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TV Licensing Online Bank Fraud - Clydesdale Bank wont refund me

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I got spoofed out of £1,000 by these fraudsters and the bank have refused to give me my money back.

I was stupid enough to fill in the form on line and then I found it strange

called bank to stop cards and they said it was online Sc@m.

They said they would watch my account, not to worry, and issued new card and pin.

 

3 days later my cards came and i got a call from "the bank" but it was the sc@mmers.

(They had my number from the online form I filled out for the fake refund).

 

They said they would send me a code to my phone and to confirm the code for security reasons.

I gave them the code and they started talking to me about what had happened and said someone tried to take £500 out my account but they blocked it and was calling to make sure it was not me.

During this time, they downloaded the bank app onto their phone and using the code, transferred online 3 transactions totalling £994.

 

After the call, I checked my account and noted then called the bank who stopped the account but could not stop the transactions.

 

After an investigation they said because I gave this code to them I am liable.

 

I have complained and they said I won't get my money back.

 

I want to know if this is right.

They knew this fraud was happening but did nothing to warn me and had a duty of care to watch out for me and protect my money.

 

I did not authorise these transactions, even though they had the code to download the app, the actual authorisation and transfers were not done by me.

 

I have been sick and unwell because of this and wondered if there was anything I can do because the bank should have done more to protect me and the transactions were not authorised.

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Youve been here for 7 yrs and got taken in by a very well known sc@m?

 

You bank cant refuse and the fca are down on record as saying as much.


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PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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I know.. I was really stupid and it all happened so fast and didn't think they could be so scandalous in the way they manipulated me.

i complained and they sent me a final letter saying they won't refund me.

 

Can you tell me if i should give them a letter before action

- I am unsure of the content though

- legal stance or what information i can put in the letter to encourage them to pay me back.

 

Any help with the letter would be appreciated.

Edited by dx100uk
spacing

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relate them to my article and give them 14 days before escalate this to the FCA/FOS etc.

  • Confused 1

PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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Update: Today I obtained the DSAR.

They said on the letter "your request for credit information", I actually was explicit in what I wanted. Anyway, they only sent me bank statements and a password protected disk.

 

They did not send:

Account notes

Translation/transcript of calls

Any information relating to my banking app

No information about text messages sent to me from the bank.

 

1. What is my next step regarding this. As far as i am concerned, they have deliberately withheld this information/failed to comply with my GDPR/SAR request??

2. I have sent them a recorded letter giving them 7 days to refund me. They already sent a final letter clarifying their position, which is; they won't be refunding me. I am filing in a small claims court application after 7 days and will update you thereafter.

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Update: Court papers filled out and submitted. Awaiting bank defending/responding.

 

Question: Can anyone advise me of any terminology or rules or onus which refers to a bank having a duty of care when it comes to protecting customers accounts/money? Is there any information I can refer to at all regarding this information? The general bank contract/agreement is void of any such information. Thanks in advance.

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After sending a LBA, it seems the bank have accepted wrongdoing and have issued a full refund. They say it is a gesture of goodwill. I have still complained to ICO.

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well done!

 

dx


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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Whats happening with the court claim you issued ?

 

Andy


We could do with some help from you.

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David can you update me i am currently fighting a 13k fraud with YB

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please create your own topic by hitting create in the top red banner


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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