SANTANDER FOBS OFF FRAUD VICTIMS IN AS LITTLE AS 24 HOURS

A YEAR ago, I got what seemed like a genuine text from my bank. But when I went into the branch, I was told it was fake and to ignore it. Staff didn’t show any interest in investigating further. It’s so easy to get caught out that I avoid any transactions online. C. R., Shrewsbury, Shrops. BANKS have encouraged people to use online banking so they have a duty to do better when it comes to fraud. They should be one step ahead, not behind. D. D., Chelmsford, Essex. IT’S easy to blame the banks, but what are they meant to do when people authorise payments?

We need to take responsibility for our actions. When you get a random call, think: why is this firm asking for my bank details? K. L., Newcastle. THE company I work for takes security seriously. Each month, it sends out a convincing fake email with a link to a free coffee or asking you to update your details so people get used to spotting them. Maybe banks and internet providers need to do the same. C. P., Glasgow. IF ANYONE calls you saying there is a problem with your account, tell them to freeze it immediately and that you’ll visit your local branch as soon as you can. That way you can be sure you’re not being scammed. J. T., Manchester. WHEN you open an account, you need to hand over a birth certificate, bills, a passport and even a driving licence.

With all of this, the bank should know exactly where the stolen money has gone. Shouldn’t it just be a case of following the trail? If not, the system is at fault and the bank should be held liable. S. S., London.