Just got scammed out of almost 1k

[BonneMamanAbricot]

Please be so careful of phone calls from your bank. Always call them back, as caller ID can be faked. My actual bank said they had never seen this scam. They duplicated everything, all the spiels, the robot connecting voice, the hold music.

Second month of being paid after 5 months of no income. Back to nothing again. FFS.

Agreed. Which is why banks shouldn't have systems that rely on their customers being infallible, with perfect responses in all situations 24 hours a day seven days a week. Banks provide a service to customers, supposedly, not the other way around. We don't exist in order to conduct their business for them.

Good luck getting through to an actual person at your bank these days, is the drawback here.

What would you suggest banks do to secure customer accounts online. Bearing in mind there are criminals whose job it is too find the weaknesses in the systems. Banks upgrade their system to make it more secure for example and straight away p hackers are looking at how they can get in it. IT systems the bank use can and do have vulnerabilities nothing is 100% unhackable. Banks are not resting on their laurels doing nothing, mine spend millions on fraud awareness and prevention every year. We get fined if we are lapse with it.

This isn't true. Unless you were completely negligent the bank doesn't wait to get the money back before they reimburse the customer, and we do chase money that has moved multiple times. It's not unheard of for banks to recover funds 12 months after the fraud..we don't always get it back though.

Can your bank recover the money?

This is awful im so sorry to hear this xx

@Keepoffmyartichokes I don't need to suggest anything because I'm not a bank. That's up to them. I wouldn't even pretend to have the answer because I genuinely don't know. They at the moment seem content to have their security be reliant on customer perfection. I think that's a fool's errand.

I get regular emails from my bank stating that they would never phone up customers and ask for information over the phone, this is also in messages when I call them
im with Lloyds Bank

i got scammed for £551 3 days before Christmas on PayPal trying to buy something from TikTok shop 🤦🏻‍♀️
Trouble is I authorised a transaction for £11.99 to come out of my PayPal balance and next thing I know I had emails stating that I’d authorised multiply
transaactions for payments equating £551!!
paypal was a nightmare to get hold of, my bank couldn’t do anything about it to start with, I eventually got to speak with someone at PayPal and they kept on insisting I had authorised the transactions, I kept telling them that the transactions happened on 22/12 and yet all tracking information on my account stated items had been delivered to different addresses in the US on 15/12, 16/12 & 17/12, I kept telling them that my registered address was in the UK!
i went through my bank again and they gave me back the money but if PayPal insisted that I authorised the transactions then they would claim it back, last week PayPal actually said it was fraud and I got my money back, I had more trouble trying to give the money back to the bank because I’d had my money back from PayPal too 🤣🤣

But there is now way for a bank to have secure systems for a customer to log into without the customer having to enter some information. Whilst that's the case then there is always a risk that customers can compromise themselves. Unless the customer has been completely negligent the banks reimburse the customer. The faults lies with the criminals they are the ones in the wrong who take advantage of people and weaknesses in systems.

You should read this - I’ve been to one of his talks - he goes through how he did it. Fascinating but you are still sitting there thinking ‘you should be in jail’ very conflicting

www.bbc.co.uk/programmes/articles/1MLjDmT4N3QTgRYwb48qCnK/i-was-a-scammer-now-i-fight-fraud

This exact scam happened to my MIL a few weeks ago and they took £5000 but she was very lucky and the bank decided to pay her the money back.

Did you read the OPs updates? If you did you'd have seen the bank did reward this stupidity by refunding for the OPs error in falling for this obvious scam.

Unless you were completely negligent

Well....... 🤷‍♀️ and they refunded anyway.

RTFT

I had this hapoen, it started with a 'missed delivery' notification from 'Royal Mail' asking me to pay a small amount for redelivery, except this was a scam, I used my bank card and they got my details then I got the phone call. Luckily at the last minute when they were on about moving money to a new acct, something made me say 'how do I know you aren't scammers?' He said 'look on your banks website, you will see this phone number' I then said 'ok hang on I'll check' and he hung up. I rang my bank and they confirmed no money had been moved and they cancelled my card. It can happen to any of us, they can be so convincing 🫤🫤

So sorry this has happened op. I’m pretty certain that a friend of mine was scammed in a very similar way and this is going back quite a few years now so I don’t buy it that they haven’t heard of this scam before.

What a bank will never ever do is ask for your bank account number/ card number or CVV number or security code over the phone. Even if it’s to ‘verify’ something.
Scammers are extremely clever so I never ever give any details about myself or my account over the phone, even if they sound legit.
I had this with someone claiming to be from BT the other week who sent me a verification code while I was on the phone then asked me to repeat it to him. I told him no and that if he was genuine, to put everything in writing and send via the post.
Never give your account details or personal details over the phone to anyone.

They can’t scam you though with just an account number and sort code

otherwise every single business that isss bank transfers would be at huge risk.

Contact us - Report Fraud https://share.google/CRQDIeosKvEPhBSnZ contact them

Cant understand why Bank staff tell you to use on line banking....thus doing themselves out of s job.

Is there really anyone who doesn't know about missed delivery scams? I would have thought they are now one of the least convincing ones. There has been so much publicity about those ones over the years

Calling the bank back to verify always needs to be on another phone as they can feign disconnection and stay on the line as you dial...so you are checking the scam with the scammers

Really sorry OP they are utter bastards 💐💐💐💐💐

This!!!
Banks do endlessly give out info telling you not to give v out your bank details… and people STILL fall for it and expect to be reimbursed.

I had this a couple of years ago.. they generated OTP to my phone and everything. Seemed so genuine. Realised after I’d been a complete idiot but was frazzled after a manic day… called the bank right away and got it sorted. Can see you have too which is great news

I nearly got caught by one about 7/8 years ago.

Started with an email claiming to be from Thames Water saying they needed my bank details or something. Was Christmas Day, I was away and a bit drunk and I typed them in stupidly.

A couple of days later, I get a phone call claiming to be from my bank, saying the Thames Water thing was a scam. Went through all sorts and the guy seemed credible. I was also out for the day with the kids and not fully concentrating.

Got to the point where I had to request an access code from the actual bank. Guy on the phone says read it out to me. The message from the bank said “do not under any circumstances read this out to anyone”. So I said this to the guy. He says, no it’s alright I’m from the bank. I said “but the message said anyone”. At that point he started getting angry and then I obviously knew he was a fraudster.

He says hang up the phone and redial the number on your credit card if you don’t believe me. Now this is a good trick because what happens then is that they don’t hang up and when you redial the fraudster is still there, and you think you’ve just got through.

But somehow I was lucky, and must have left it a bit too long for him to stay on the line. Got through to the actual bank, and of course they confirm the call id just had was a scam. Lucky escape!!

It doesn't need to be on another phone, I'm not sure whether this trick is even possible on a mobile nowadays, just call any old number and see who answers

As landlines die out so will that scam

My bank (or rather my credit card) did call me once. We stalled on providing my identification - I was surprised they even asked me! But when I called the security number (yes, after making sure the line had cleared!) it proved to be kosher. Someone had notified a change of address, requested a replacement card AND asked for the credit limit to be raised! ‘We’re guessing that wasn’t you?’ No, it wasn’t :-)