I had £800 stolen in phone fraud

The Daily Telegraph - Your Money - - READERS’ LETTERS -

I was con­tacted by some­one on my mo­bile phone who was pos­ing as an em­ployee of my bank, San­tander. This per­son ran through a se­lec­tion of my direct deb­its as well as nam­ing my Isa and a credit card and quot­ing my cor­rect bal­ances. They said they were in the midst of stop­ping two sus­pi­cious with­drawals and needed the par­tial let­ters of my ac­count pass­word and then the mem­o­rable num­ber, which I gave them. I was on my way to a fu­neral and thought I must clear this be­fore I ar­rived. There­fore I did not think care­fully.

Please can you get back the £800 stolen in this fraud? It is a sig­nif­i­cant chunk of my monthly salary. CORINNA DEAN, LON­DON.

You had had gen­uine calls from San­tander in the past about pos­si­ble fraud­u­lent with­drawals, although no code had been asked for then. On those oc­ca­sions ev­ery­thing had been prop­erly re­solved.

In or­der to pay a new ben­e­fi­ciary, a One Time Pass­code (OTP) is sent to a San­tander cus­tomer’s reg­is­tered mo­bile tele­phone num­ber. Dur­ing a vul­ner­a­ble time when you were not think­ing straight you di­vulged this OTP to a fraud­ster who then used it to au­then­ti­cate a pay­ment. Some­how fraud­sters seem to have a psy­chic knack of pick­ing up on peo­ple when they are at their low­est.

Your sus­pi­cions were aroused even as this was hap­pen­ing and you made San­tander aware of the scam at 1:37pm while the fraud­sters were still on your other line. San­tander im­me­di­ately placed a block on your ac­count and can­celled the man­date. My re­search via San­tander and Bar­clays, the re­cip­i­ent bank, show San­tander con­tacted Bar­clays at 2:01pm to se­cure any funds re­main­ing in the re­cip­i­ent’s ac­count.

How­ever, the fraud­ster had trans­ferred all the money out at 1:31pm, be­fore you spoke to San­tander. Bar­clays has closed the ac­count and shared the de­tails with fraud agen­cies. You are a sin­gle mother on a tight bud­get. I wish I could help but sadly I have not been able to al­ter things.

the taxi ser­vice, which said the flats were rented in­de­pen­dently. I sug­gested that, armed with the crime num­ber you ac­quired when you re­ported this mat­ter to Ac­tion Fraud, the UK’s na­tional fraud and cy­ber crime re­port­ing cen­tre, (0300 123 2040 and ac­tionfraud.po­lice.uk), you should urge the lo­cal po­lice to pay a visit. It seems pos­si­ble that the fraud­ster may soon be ap­pre­hended.

Newspapers in English

Newspapers from UK

© PressReader. All rights reserved.