Bank fraud

[Charltonstrek]

Hi I've posted before on this but twice I've had money go missing from my bank account and been told it was somebody going in person into branch and signing so whoever it is must have somehow got my bank details and proof of signature. Its a joint account with with my partner the the account was frozen for 2 weeks and both our cards stopped but now the bank have finished investigations and they say this was carried out by the police monies refunded account back up and running and I'm assured that my account is safe. My card is now working again and a new one has come through for my dp. I can only guess that maybe it was my dp signature that was forged been as they only issued him a new card.
Anybody understand how on earth this fraud could have happened maybe somebody who works in a bank etc I'm confused as both cards have been in our possession and I can't think where I've given bank details.

My gut is… the person is someone you know very well very well

And if it’s in person fraud… the bank will be able to pull up cctv

You don’t seem to have reported this to your bank

Yes it's been reported and I've been refunded but they won't share much only that the culprit was going in person into branch

The bank was the ibe investigating and they got their money back so obviously not OP or partner involved.

I was on the Op’s other thread about her partner spending money like water whilst away abroad…. So I assumed it followed that

Might a son be involved? I learned to forge my mum's signature to get out of PE, never used it for anything more nefarious than that though.

They just said somebody somehow got our details and access to the account I just don't get it I even asked was it mine or dp signature that was forged and they couldn't tell me said it was a police investigation

First time it happened we was both on holiday

I can't get my head around this one I understand that people can commit fraud with card details but whoever did this had bank details so account number etc

Sounds suspiciously like it’s someone close to you rather than an unknown scammer. A scammer isn’t going to waste time (or take the risk) of physically going into a branch. That’s just not profitable enough vs the risk involved for them.

Do you trust your DP?

But your bank details (sort code and account number) will be on your bank card so what are you not understanding?

Been together 10 years never had a reason to not

Have you spoken to your son recently Op?

It's not on mine

He doesn't live with me it's Highley unlikely anything to do with my son

It's more likely to be your son or your DP than anyone else. Occam's razor.

You see if someone suggested my son was defrauding me…. It would be so utterly utterly unfathomable that I could barely answer it

“highly unlikely” is particularly convincing

Oh god no no no way nothing to do with my son

On your last thread about your partner spending money like water and getting you in more and More in debt, you said that when he returned - there would be no more joint finances?

Does he have another son outside your relationship?

Account in joint names that's true but he never accesses it doesn't even know the details he leaves me to manage it all

He doesn't have any relations here

Your bank details are given out everywhere to make direct debits and to friends and family members when transferring money between accounts or if anyone has paid you for goods/services. I have plenty of people’s account numbers saved in my online banking app who I’ve paid before.

If your account is secure and you’ve been paid back then I would just leave it rather than drive yourself crazy or start accuse friends or family members.

These things happen and people sometimes scam others or steal from others. If there was a concern re a family member, I’m sure the police would tell you

Yeah my sister went in and emptied my bank account over the counter years ago. Forged my signature. She admitted it after I realised the money was gone. I stupidly didn't involve the police or the bank as she promised to pay it back and did (eventually). It's always someone close to you.

If the account is in joint names, and the bank have paid the money back (which means their investigation turned up fraud), then it wasn't OP's husband, who is entitled to take money from a joint account with his name on it.

In theory it could have been someone acting on his behalf, with his knowledge. Or it could be someone close to OP/her husband who'd gained access to their details and signed as one of them to withdraw the money. It could also have been a completely unrelated fraudster who'd obtained their details somehow.

I suspect given that they've issued a new card to your husband that it was his card/signature that was used to sign for the withdrawal. It could be that the police investigation is still ongoing.