Bank Fraud Help Needed

[mrhairy]

One of the young members of my family tried to buy a Festival ticket though a facebook page. They transfered money to a given name and account. Of course now the email is bouncing and it looks like they have been done.
I understand it was done with a Debit Card not a Credit Card. Is there any hope on them getting their money back? Yes I know they were stupid and I would like to take a baseball bat to these people who prey on kids hard earned money.

 

[Falkor]

The Bank should have a fraud department and get a crime report number also

 

[desprateseagull]

i would also report to the genuine site, and facebook / police. what utter buztards.,

 

[tgretton87]

A friend of my Mrs had her card taken by an ex and he swiped £300 from a cashpoint. I thought there would be no chance of getting the bank to compensate as she didnt ensure that it was safe (IE change of pin ETC) but within a week they reimbursed her account along with a pack explaining security online and with bank cards etc etc.

Tell the bank and police explain whats happened and hopefully they will be good enough to reimburse if it was less than £ 300 then should be ok I would guess.

 

[The Fifth Column]

It's not a high enough value for either the bank or police to expend too much time pursuing it. It's such an anonymous crime that I wouldn't expect too much from either of them, and I say this from experience as it is incredibly difficult to identify the actual person responsible. Even if the money has gone to a named bank account I wouldn't expect too much as the banks are notoriously unhelpful in police investigations of such low value and if it is out of the county you then have the problem of Sussex police trying to get another force to do their enquiries and arrest attempts which again is less likely than you might imagine. Report it by all means but I can almost guarantee you won't see the money again.

 

[Beach Hut]

Think you may struggle with this as Junior got done buying a ticket through Facebook as well. Also a debit card payment is not covered as opposed to a credit card payment that is.

 

[Herr Tubthumper]

Can I ask what you mean by purchasing a ticket through Facebook. I have heard of bogus websites which closely mimic the real website, but I prsume this is different.

 

[pauli cee]

on the contrary always found banks really helpful with this sort of thing, (nationwide, anyway)
had a bit of fraud a few times on my card, only small amounts, (guessing they thought a regular small amount might go unnoticed), but always refunded immediattely by bank whilst they supposedly carry out their own investigation.
never found out the outcome, but money always refunded.
my brother also had a large amount disappear out of chelsea building society, got it back no probs

 

[Vegas Seagull]

They either transferred money to an account OR gave them debit card details for them to carry out the transcation, your message is unlcear, if the latter phone the bank immediately & cancel card as a spending spree is going on right now

 

[Cheshire Cat]

"However, it is important to note that claims can only be made under section 75 where the payment was made using a credit card. Other types of plastic card payments (for example, debit cards or charge cards) are not covered by section 75. Consumers and card issuers can sometimes get confused on this point, as we illustrate in case 78/02.
The contracts that card issuers have with their card network providers are likely to have provisions that – in certain circumstances – allow card issuers to attempt what are known as "chargebacks". If successful, a chargeback allows a card issuer to claim back a payment from the retailer’s bank, on the consumer’s behalf. However, the provisions allowing chargebacks are not consumer rights provided by law. And the terms of the contracts – including the grounds on which a chargeback may be attempted – vary from network to network.
Consumers are not generally aware of the circumstances in which a chargeback might be attempted. However, we expect card issuers (who should understand the terms and conditions of their own contracts with the network providers) to consider making a chargeback claim if the consumer has made them aware of a situation where this might be appropriate.
Chargeback attempts are not guaranteed to succeed, and card issuers cannot force suppliers’ banks to refund money paid by plastic card. Although card issuers will sometimes make an interim refund to their customer’s account, pending the outcome of the chargeback, this is likely to be removed if the chargeback is unsuccessful. So it is important that the card issuer makes it clear to the consumer that their card account may be re-debited if the supplier’s bank does not agree to the chargeback.
There are time limits for attempting a chargeback, and we would expect the card issuer to bear that in mind if a consumer contacts it about a situation that might entail a chargeback request. If, in a particular case, the card issuer fails to act within the time limit, and we conclude that a timely chargeback attempt would probably have been successful, then we may say the card issuer should compensate the consumer for its failure to act in time. This is what happened in case 78/04 below.
Sometimes the consumer has made the plastic card payment through a third-party payment processor, rather than direct to the retailer. This is quite common in purchases made from online retailers. In such cases the consumer/credit provider/supplier chain that is required to bring a claim under section 75 may be broken – and the card issuer’s right to attempt a chargeback may also be affected."

http://www.financial-ombudsman.org.uk/publications/ombudsman-news/78/78-claiming-back-payments.html


It is possible to get money refunded on a debitcard transaction usingthe chargeback mechinism but you need to speak to your bank

 

[mrhairy]

Can I ask what you mean by purchasing a ticket through Facebook. I have heard of bogus websites which closely mimic the real website, but I prsume this is different.

No I believe this was through the actual site not a mirror one. However the Bank seem to state that it is not fraud as the person transferred funds willingly so there is nothing they can do.

 

[Mowgli]

I work in disputes at a bank, best thing to do would be to dispute the charge with your bank, because you family member engaged in the transaction the bank will most likely not investigate it as fraud, however there are plenty of different reasons cardmembers dispute transaction, and using the chargeback facility I would say 9 times out of 10 would get there money back. Good luck

 

[Herr Tubthumper]

No I believe this was through the actual site not a mirror one. However the Bank seem to state that it is not fraud as the person transferred funds willingly so there is nothing they can do.

I would go to the police. At the very least they might be able to advise. I presume a bogus account was set up to receive the funds?

 

[happypig]

Out of interest, which festival ?

 

[Lord Bracknell]

I found the Co-op Bank to be brilliant when I was the victim of fraudulent withdrawals from an ATM (in South Africa, as it happens), using my debit card details. Immediate cancellation of the card, with a replacement sent within three days (it was the week before Christmas) - and, two weeks later, a refund of every penny that had been lifted from my account. All I needed to do was make one phone call to the bank.

 

[seagullsovergrimsby]

No I believe this was through the actual site not a mirror one. However the Bank seem to state that it is not fraud as the person transferred funds willingly so there is nothing they can do.

So taking money under false pretences (not providing a ticket) isn't fraud If the transaction was done with a Visa debit card then it is covered under Section 75 so dispute it and then they will have to make a chargeback.

 

[mistahclarke]

I found the Co-op Bank to be brilliant when I was the victim of fraudulent withdrawals from an ATM (in South Africa, as it happens), using my debit card details. Immediate cancellation of the card, with a replacement sent within three days (it was the week before Christmas) - and, two weeks later, a refund of every penny that had been lifted from my account. All I needed to do was make one phone call to the bank.

different scenario as would have been clear counterfeit fraud.

I use to work in Disputes and Fraud in Amex - In this case there is nothing to say the merchant will not provide the tickets until the festival starts, The bank may refund, but Amex would not in this case until the festival is over when a chargeback can be made. And that's being directed by the credit card consumer acts, banks are within their rights to say they will not help.

 

[Herr Tubthumper]

So taking money under false pretences (not providing a ticket) isn't fraud

I presume MrHairy means it's not a banking issue. Therefore I'd go to the police.

 

[mistahclarke]

So taking money under false pretences (not providing a ticket) isn't fraud If the transaction was done with a Visa debit card then it is covered under Section 75 so dispute it and then they will have to make a chargeback.

It's not fraud, it's a dispute. Goods and services not received to be precise

 

[Lord Bracknell]

It's not fraud, it's a dispute. Goods and services not received to be precise

Hold on. There's enough evidence in the original post to demonstrate that something dodgy is going on. Money has been transferred to a given name and account and emails are bouncing. This is fraud, not a dispute about how goods and services are being supplied. A bit of support from the bank is needed, not a retreat into "terms and conditions" that are irrelevant to what has happened.