mich wrote:
but I hope people might know more than UK legal where trolls and silly
persons seem to be in residence.

I had a burglary/ car theft and lost all my cards ( a hand bag and two
purses and several other things)

The cards were all stopped as soon as I found out . The cheque book was
stopped as soon as I found out.

One of my building society accounts has been cleaned out despite my having
stopped the card to it.

SNIP

It seems to me if I dont get my money first, it will al go to pay shops for
fraudsters and I will have been taken to the cleaners.


I'm not an expert, but your bank's attitude stinks. I cannot conceive
of a reason to leave your account with them. Honour the cheques? The
shops taking them are not checking the signatures are they? Banking
Ombudsman / your lawyer next stop!!

I'd move my A/C PDQ.

A sock under the bed seems just as safe as your bank, care to name & shame?

Best of luck, and a plague of boils to the scum that turned your house over!

Andrew

Have you spoken to the organ grinder, or are you still being fobbed off by
the monkeys? Insist of speaking to the manager.

Longer term solution to reclaim might be
http://www.financial-ombudsman.org.uk/ although you may have to prove that
your storage of the cq book and guarantee card were separate.

but I hope people might know more than UK legal where trolls and silly
persons seem to be in residence.

I had a burglary/ car theft and lost all my cards ( a hand bag and two
purses and several other things)

The cards were all stopped as soon as I found out . The cheque book was
stopped as soon as I found out.

One of my building society accounts has been cleaned out despite my having
stopped the card to it.

I am having a sticky time in lots of ways. The banks seem to be applying a
policy of debit me first and ask questions after. So have the building
society.

This is especially worrying with my current account. Earnings go in there
and there is a substantial ( like £k's many) cos I is too lazy to shift it
to a deposit or building society account and bank is several miles away.

Now bank tell me that they are debiting cheques written by thief/ fraudster
after I cancelled both the cheque book and the card ( card is a switch card
and a guarantee card.).
They say they must honour the cheques because of the guarantee card - and
their fraud dept MIGHT see about re crediting me sometime! BUT they do not
promise!

Meanwhile these people seem to have had a field day on my cheques and card
and now the things are coming in.

Soon I wont have money to pay my own bills as these things are being paid
instead . This despite , as I said, my having cancelled the card and
stopped the cheques before these people even hit the shops on Sunday!!!!!

I am worried.

Does anyone know if it would be legal for me to clean out and close my bank
accounts ( I have a current account and a deposit account - closing the
second so they dont use my savings to cover stolen cheques) and open another
somewhere else?

Is it true that they ( me) has to honour these cheques just because they
got both the switch card and the cheque book ( bank argue they shouldn't be
together but they were not. They were in two purses in my property)
They were together in that they were both in my property.

But does this not miss the point anyway? Surely no mother F8cker of a
thief should be on my property stealing my things in the first place,
whether or not I keep them together is irrelevant.

It seems I am paying here because the banks are taking a stinging! It seems
these criminals have done over the whole area recently and a lot of fraud is
taking place ( info from girl in bank who says they are having a spate of
this right now)

So bottom line.
can I close the accounts ( not withstanding the problems of paying my
bills - all DD through the bank at the moment) and if I do can the bank
still make me pay for these stolen cheques?

It seems to me if I dont get my money first, it will al go to pay shops for
fraudsters and I will have been taken to the cleaners.

"mich" wrote
| I am having a sticky time in lots of ways. The banks seem to be
| applying a policy of debit me first and ask questions after. So
| have the building society.

Write to Anne Ashworth at The Times, or ask your bank manager for details of
the Banking Ombudsman. Address from bank manager - all banks are duty bound
to give you this information. Also put formal complaint in writing to the
bank's security or operations director - name will be in annual report or on
bank corporate website

| This is especially worrying with my current account. Earnings go in there
| and there is a substantial ( like £k's many) cos I is too lazy to shift
it
| to a deposit or building society account and bank is several miles away.

You'd better stop being lazy and shift most of those £ks many to a known
safe account PDQ before you lose that too. It is a stable door that can be
bolted before that horse is gone.

Owain

mich wrote:
"Andrew Chesters" wrote in message
...

mich wrote:

but I hope people might know more than UK legal where trolls and silly
persons seem to be in residence.

I had a burglary/ car theft and lost all my cards ( a hand bag and two
purses and several other things)

The cards were all stopped as soon as I found out . The cheque book was
stopped as soon as I found out.

One of my building society accounts has been cleaned out despite my

having

stopped the card to it.

SNIP

It seems to me if I dont get my money first, it will al go to pay shops

for

fraudsters and I will have been taken to the cleaners.



I'm not an expert, but your bank's attitude stinks. I cannot conceive
of a reason to leave your account with them. Honour the cheques? The
shops taking them are not checking the signatures are they? Banking
Ombudsman / your lawyer next stop!!

I'd move my A/C PDQ.

A sock under the bed seems just as safe as your bank, care to name &

shame?

Best of luck, and a plague of boils to the scum that turned your house

over!

The bank is the RBS ( Royal Bank of Scotland). I have had an account with
them for 30 years. I cant believe their approach either.
Its just I dont know if I am allowed to move my account/ close it/ take my
money out or not . If I do will they keep billing me for thiese stolen and
stopped cheques ?
Will they run me up an " unofficial overdraft" to pay them?

Has anyone been here and had this happen?

I am worried sick because my pay ( for the month) will also go in this
weekend and it could be used to if am not allowed to take it out/ close it
down.


I can't be much help, but suggest you look at:

http://www.citizensadvice.org.uk/win.../getadvice.htm

and find your nearest CAB office asap

I couldn't find much else except:

http://www.bankingcode.org.uk/pdfdocs/bankcode.pdf

which apart form being so vague its almost worthless has these sections
which might be appropriate:

9.8 If, within a reasonable period after the entry has been
made on your statement, there is a dispute with us
about a cheque paid from your account, we will give
you the cheque or a copy as evidence. If there is an
unreasonable delay after you have told us about it, we
will add the amount of the cheque to your account until
we have sorted the matter out.

12.10 Unless we can show that you have acted fraudulently
or without reasonable care, your liability for the misuse
of your card will be limited as follows:
• If someone else uses your card before you tell us it
has been lost or stolen or that someone else knows
your PIN, the most you will have to pay is £50.
• If someone else uses your card details without your
permission for a transaction where the cardholder
does not need to be present, you will not have to
pay anything.

Good luck and hope you get the best possible outcome.

Chris

--
Cut along the dotted line to reply

"mich" wrote in message
...
but I hope people might know more than UK legal where trolls and silly
persons seem to be in residence.

I had a burglary/ car theft and lost all my cards ( a hand bag and two
purses and several other things)

The cards were all stopped as soon as I found out . The cheque book was
stopped as soon as I found out.

One of my building society accounts has been cleaned out despite my having
stopped the card to it.

I am having a sticky time in lots of ways. The banks seem to be applying
a
policy of debit me first and ask questions after. So have the building
society.

This is especially worrying with my current account. Earnings go in there
and there is a substantial ( like £k's many) cos I is too lazy

Says it all, really ...

"mich" wrote:

Does anyone know if it would be legal for me to clean out and close
my bank accounts ( I have a current account and a deposit account -
closing the second so they dont use my savings to cover stolen
cheques) and open another somewhere else?

Stolen cheques are not covered by the cheque guarantee scheme, as long as
you tell the bank (which you have), so it sounds like they are fobbing you
off.

Might be worth getting a crime number from the police to back up your claim.

You should certainly stop further monies being paid into the account if
possible and move any credit balance to another bank or draw as cash to
"protect" it till the dispute is resolved, otherwise you could find yourself
going hungry!

but I hope people might know more than UK legal where trolls and silly
persons seem to be in residence.

cough i`ll retreat back under my bridge /cough

RBS sound like a gang of w*nkers - have you got a crime reference number
from the police, and have you passed this to them ?

Perhaps uk.legal.moderated too ?

--
Please add "[newsgroup]" in the subject of any personal replies via email
--- My new email address has "ngspamtrap" & @btinternet.com in it ;-) ---

Adrian Boliston wrote:
"mich" wrote:


Does anyone know if it would be legal for me to clean out and close
my bank accounts ( I have a current account and a deposit account -
closing the second so they dont use my savings to cover stolen
cheques) and open another somewhere else?


Stolen cheques are not covered by the cheque guarantee scheme, as long as
you tell the bank (which you have), so it sounds like they are fobbing you
off.

Might be worth getting a crime number from the police to back up your claim.

You should certainly stop further monies being paid into the account if
possible and move any credit balance to another bank or draw as cash to
"protect" it till the dispute is resolved, otherwise you could find yourself
going hungry!


Will your employer pay you cash/cheque in an emergency? It USED to be
the case that you had a right to cash payment, and bank transfer etc was
only at YOUR discretion. (Known as the "Tommy Note Act")

Andrew

"Andrew Chesters" wrote:

Will your employer pay you cash/cheque in an emergency? It USED to be
the case that you had a right to cash payment, and bank transfer etc
was only at YOUR discretion. (Known as the "Tommy Note Act")

As long as they have not yet sent the BACS payment they *should* be able to
divert it into another account if you explain that it will be lost (at least
for the time being) if it's paid normally. Hungry staff are probably not
the most productive!

"Andrew Chesters" wrote in message
...
mich wrote:
but I hope people might know more than UK legal where trolls and silly
persons seem to be in residence.

I had a burglary/ car theft and lost all my cards ( a hand bag and two
purses and several other things)

The cards were all stopped as soon as I found out . The cheque book was
stopped as soon as I found out.

One of my building society accounts has been cleaned out despite my
having
stopped the card to it.

SNIP

It seems to me if I dont get my money first, it will al go to pay shops
for
fraudsters and I will have been taken to the cleaners.


I'm not an expert, but your bank's attitude stinks. I cannot conceive
of a reason to leave your account with them. Honour the cheques? The
shops taking them are not checking the signatures are they? Banking
Ombudsman / your lawyer next stop!!

I'd move my A/C PDQ.

A sock under the bed seems just as safe as your bank, care to name &
shame?

Best of luck, and a plague of boils to the scum that turned your house
over!

The bank is the RBS ( Royal Bank of Scotland). I have had an account with
them for 30 years. I cant believe their approach either.
Its just I dont know if I am allowed to move my account/ close it/ take my
money out or not . If I do will they keep billing me for thiese stolen and
stopped cheques ?
Will they run me up an " unofficial overdraft" to pay them?

Has anyone been here and had this happen?

I am worried sick because my pay ( for the month) will also go in this
weekend and it could be used to if am not allowed to take it out/ close it
down.

Adrian Boliston wrote:
"Andrew Chesters" wrote:


Will your employer pay you cash/cheque in an emergency? It USED to be
the case that you had a right to cash payment, and bank transfer etc
was only at YOUR discretion. (Known as the "Tommy Note Act")


As long as they have not yet sent the BACS payment they *should* be able to
divert it into another account if you explain that it will be lost (at least
for the time being) if it's paid normally. Hungry staff are probably not
the most productive!


I think I may be having a "Grumpy (not very) Old Man" moment. Your pay
is your money. Do with it as you damned well please!! If RBS can't
stop cards or cheques, that's their problem! (Surely? Please tell me
it is?)

" I am worried sick because my pay ( for the month) will also go in this
weekend and it could be used to if am not allowed to take it out/ close
it
down.


Instruct your employers to pay you by cheque or cash till your bank account
is sorted.

Pete
(ex RBS bank officer)

I am worried sick because my pay ( for the month) will also go in this
weekend and it could be used to if am not allowed to take it out/ close it
down.


Ensure your pay dosn't go into that account. As your employer to pay you
by cheque and thn open an account elsewhere to pay it in.

--
David Clark

$message_body_include ="PLES RING IF AN RNSR IS REQIRD"

"Andrew Chesters" wrote in message
...
.....
Will your employer pay you cash/cheque in an emergency? It USED to be the
case that you had a right to cash payment, and bank transfer etc was only
at YOUR discretion. (Known as the "Tommy Note Act")

That was the Truck Acts (various dates from 1831 to 1940) and The Payment of
Wages Act 1960, although the right only extended to manual workers. The
Wages Act 1986 finally removed the right to payment in cash.

Colin Bignell

mich wrote:
snip
The bank is the RBS ( Royal Bank of Scotland). I have had an account with
them for 30 years. I cant believe their approach either.
Its just I dont know if I am allowed to move my account/ close it/ take my
money out or not . If I do will they keep billing me for thiese stolen and
stopped cheques ?

Will they run me up an " unofficial overdraft" to pay them?
It's your money.
If you take the money out, then the worst that can happen is that they will
honour the cheques, and the account will go into unauthorised overdraft.

After having informed them that the card is stolen, if they do this,
I'd personally say I'd be delighted to see them in court, if they wish
to recover the money.

I believe closing the account does not mean that they will bounce cheques
for free.

You need to go in, and either take the money out, or transfer it to another
account (mail me for my bank details ), or get confirmation that the
cheques will not be honored.

"Adrian Boliston" wrote in message
...
"mich" wrote:

Does anyone know if it would be legal for me to clean out and close
my bank accounts ( I have a current account and a deposit account -
closing the second so they dont use my savings to cover stolen
cheques) and open another somewhere else?

Stolen cheques are not covered by the cheque guarantee scheme, as long as
you tell the bank (which you have), so it sounds like they are fobbing you
off.

Might be worth getting a crime number from the police to back up your
claim.

You should certainly stop further monies being paid into the account if
possible and move any credit balance to another bank or draw as cash to
"protect" it till the dispute is resolved, otherwise you could find
yourself
going hungry!

Thanks. I already have a crime number and the bank know that . they knew
last week. yesterday they rang me up and told me about two more cheques they
had honoured in my account!
I told them again and thats when I was told I liable because it was
guarenteed by the switch card .
I was not fully with it I have to say ( tired , no sleep worried that
burglars will come back. No car , trashed and was in garage etc.)

Today i am taking the day off ( going sick ) and going into the bank ( its
about 30 miles away) and I am telling them and moving my money to a "safe"
building society ( its safe because I have the passbook and its a locked
account- need notice to get money out.)

Then I will go back on Monday and get more out just in case.

"Colin Wilson" wrote in message
t...
but I hope people might know more than UK legal where trolls and silly
persons seem to be in residence.

cough i`ll retreat back under my bridge /cough

RBS sound like a gang of w*nkers - have you got a crime reference number
from the police, and have you passed this to them ?

Perhaps uk.legal.moderated too ?

I have a crime number. The bank know this and have the crime nmber too.
I thought all OK until they rang up and said different yesterday. Now I am
back to square one.
irony is, I have no cards ( well just replaced yesterday!) so I couldnt get
at my money even they can give it away to others!

On Tue, 25 Jan 2005 21:32:20 -0000, "mich" wrote:

but I hope people might know more than UK legal where trolls and silly
persons seem to be in residence.

I had a burglary/ car theft and lost all my cards ( a hand bag and two
purses and several other things)
Unfortunately this seems to be stnadard practice for most banks. They
allow credit card fraudsters and thieves to conrinually clear out
peoples accounts and run up bills even though you have informed them
of the theft. The best thing you can do is fight back by telling your
bank that you are changing bank accounts if they dont prevent these
debits immediately,if it continues,issue a sample small claims summons
against the bank,,you must take positive action,they are going to
clear you out!!!!! Ive seen it happen to friends,then you have no
money for bills or deirect debits and you incur more charges....
Remove antispam and add 670 after bra to email

Be a good Global citizen-CONSUMECONFORMOBEY

Circumcision- A crime and an abuse.

On Tue, 25 Jan 2005 21:54:35 -0000, "mich" wrote:



I am worried sick because my pay ( for the month) will also go in this
weekend and it could be used to if am not allowed to take it out/ close it
down.

Tell your employer NOW to stop that payment and collect it in some
other way...
Remove antispam and add 670 after bra to email

Be a good Global citizen-CONSUMECONFORMOBEY

Circumcision- A crime and an abuse.

On 25 Jan 2005 23:48:53 GMT, Ian Stirling
wrote:

mich wrote:
snip
The bank is the RBS ( Royal Bank of Scotland). I have had an account with
them for 30 years. I cant believe their approach either.
Its just I dont know if I am allowed to move my account/ close it/ take my
money out or not . If I do will they keep billing me for thiese stolen and
stopped cheques ?

Will they run me up an " unofficial overdraft" to pay them?
It's your money.
If you take the money out, then the worst that can happen is that they will
honour the cheques, and the account will go into unauthorised overdraft.

quite right and the crazy thing is that if there is no money in the
account,they'll probably bounce the cheques so you'll have a
result!!,your account is just run by a big machine that doesnt know
you are being ripped off,,,
Remove antispam and add 670 after bra to email

Be a good Global citizen-CONSUMECONFORMOBEY

Circumcision- A crime and an abuse.

Post this message on uk.legal they know their stuff on there!

Steve

"mich" wrote in message
...
but I hope people might know more than UK legal where trolls and silly
persons seem to be in residence.

I had a burglary/ car theft and lost all my cards ( a hand bag and two
purses and several other things)

The cards were all stopped as soon as I found out . The cheque book was
stopped as soon as I found out.

One of my building society accounts has been cleaned out despite my having
stopped the card to it.

I am having a sticky time in lots of ways. The banks seem to be applying
a
policy of debit me first and ask questions after. So have the building
society.

This is especially worrying with my current account. Earnings go in there
and there is a substantial ( like £k's many) cos I is too lazy to shift
it
to a deposit or building society account and bank is several miles away.

Now bank tell me that they are debiting cheques written by thief/
fraudster
after I cancelled both the cheque book and the card ( card is a switch
card
and a guarantee card.).
They say they must honour the cheques because of the guarantee card -
and
their fraud dept MIGHT see about re crediting me sometime! BUT they do not
promise!

Meanwhile these people seem to have had a field day on my cheques and
card
and now the things are coming in.

Soon I wont have money to pay my own bills as these things are being paid
instead . This despite , as I said, my having cancelled the card and
stopped the cheques before these people even hit the shops on Sunday!!!!!

I am worried.

Does anyone know if it would be legal for me to clean out and close my
bank
accounts ( I have a current account and a deposit account - closing the
second so they dont use my savings to cover stolen cheques) and open
another
somewhere else?

Is it true that they ( me) has to honour these cheques just because they
got both the switch card and the cheque book ( bank argue they shouldn't
be
together but they were not. They were in two purses in my property)
They were together in that they were both in my property.

But does this not miss the point anyway? Surely no mother F8cker of a
thief should be on my property stealing my things in the first place,
whether or not I keep them together is irrelevant.

It seems I am paying here because the banks are taking a stinging! It
seems
these criminals have done over the whole area recently and a lot of fraud
is
taking place ( info from girl in bank who says they are having a spate
of
this right now)

So bottom line.
can I close the accounts ( not withstanding the problems of paying my
bills - all DD through the bank at the moment) and if I do can the bank
still make me pay for these stolen cheques?

It seems to me if I dont get my money first, it will al go to pay shops
for
fraudsters and I will have been taken to the cleaners.

"mich" wrote in message
...
but I hope people might know more than UK legal where trolls and silly
persons seem to be in residence.

Try uk.legal.moderated or even uk.finance

--
LSR

On Tue, 25 Jan 2005 21:54:35 -0000, "mich" wrote:

The bank is the RBS ( Royal Bank of Scotland). I have had an account with
them for 30 years.

I wish people would stop believing that having an account with a bank
for a long period of time makes any difference. 30 years / 30
minutes...it makes absolutely no difference.

Of course the banks would like you to believe this myth so you don't
change accounts when they **** you off.

M.

tarquinlinbin wrote:
On 25 Jan 2005 23:48:53 GMT, Ian Stirling
wrote:

mich wrote:
snip
The bank is the RBS ( Royal Bank of Scotland). I have had an account with
them for 30 years. I cant believe their approach either.
Its just I dont know if I am allowed to move my account/ close it/ take my
money out or not . If I do will they keep billing me for thiese stolen and
stopped cheques ?

Will they run me up an " unofficial overdraft" to pay them?
It's your money.
If you take the money out, then the worst that can happen is that they will
honour the cheques, and the account will go into unauthorised overdraft.

quite right and the crazy thing is that if there is no money in the
account,they'll probably bounce the cheques so you'll have a
result!!,your account is just run by a big machine that doesnt know
you are being ripped off,,,

A charge is often incurred to bounce cheques :

mich wrote:

The bank is the RBS ( Royal Bank of Scotland). I have had an account with
them for 30 years. I cant believe their approach either.
Its just I dont know if I am allowed to move my account/ close it/ take my
money out or not . If I do will they keep billing me for thiese stolen and
stopped cheques ?
Will they run me up an " unofficial overdraft" to pay them?

Has anyone been here and had this happen?

yes sort of. My wife had her cards lifted while in the library just
before xmas before last. Bright and early next morning in a 40min spree
they walked into main bank branches (including RBS) in Edinburgh and
withdrew amounts in the order of £800 per transaction. The credit limits
on the credit cards were exceeded but apparently this was not a problem.
Credit cards and the Barclays account were cleared up quickly, no
problems though it took time and we had a lean xmas.

RBS on the other hand were terrible, instead of my branch handling
things they tried to get us to deal with the branch in Edinburgh. They
refused to credit the money until the police finished the investigation.

I strongly suggest you complain, loudly and persistently, we wrote a
letter to the manager, we were polite but very firm. We noted that RBS
were the only institution who had yet failed to return the money. The
thing was wrapped up fast, and we got two bottles of wine out of them to
say sorry.

Oh yes, we mentioned the words banking ombudsman in the letter, in the
part about what would happen if we were not satisfied.

Peter
--
Add my middle initial to email me. It has become attached to a country

"Markus Splenius" wrote in message
news
On Tue, 25 Jan 2005 21:54:35 -0000, "mich" wrote:

The bank is the RBS ( Royal Bank of Scotland). I have had an account with
them for 30 years.

I wish people would stop believing that having an account with a bank
for a long period of time makes any difference. 30 years / 30
minutes...it makes absolutely no difference.

Of course the banks would like you to believe this myth so you don't
change accounts when they **** you off.

Well they have p'd me off and I have been in today and taken all the money
in cash out of my two accounts. 30 years or 30 minutes. Prbably what has
hurt them is the amount I have taken.

I have told them I will not pay for any cheques since I have not written
any. I will not pay for any switch transactions since I have had my switch
card stolen. There is no pin number ( except in my head) and if someone has
accepted a chip and pin switch card without a pin number then thats their
fault!
The fact that my switch card is also a cheque guarentee card does not make
me responsible for honouring the fraudulent cheques.
I told them to bounce the bl**dy cheques and be done with.

The answer was odd - they couldnt bounce the cheques because if they did it
would not be fraud ???? Work that one out! They said I would get my money
back after an investigation!
I have now seen these cheques , they dont have anything like my signiture
on them. The shops should never have taken them.

Offending shops by the way ( apparently it is well known to the bank and the
thieves that these shops will cash frauded cheques and ask no questions.....
Debehams, Woolworths, Argos House of Fraser. Also several "tat chains" -
those selling rubbish and cheap clothes and sports wear.

I have moved all my money out . Given instructions to pay ONLY my current
bills and left them with barely enough to do that. Told them if they needed
more for that then to phone me and I would bring them cash - but only to pay
my bills.

I couldnt organise a bank account quickly enough to make a transfer of
account. I couldnt stop my pay because its gone. It hasnt been credited
yet, but tomorrow or Friday I will be drawing it all out via cash.

The bank do tell me the money is mone and I am entitled to take it out and
away in cash!!!!
Or through an ATM if I wish.

They claim I will not incurr charges for the account running into debt if
frauded cheques exceed the amount in the account. They claim I will get all
my money back - eventually. They dont say when.
Since as of this morning there have been some £800 of cheques gone through
I do not trust them.

They also say they will pay all my DD and SO's without my incurring any
charges whatver the apparent state of the account.

The stolen cheque book was a new book. If each cheque were for £100 , thats
£2,500 to come in and be debited!
I do not see why I should have to accept that.

I dont see why they cannot just bounce the cheques back to Debenhams as
"Stolen - refuse to pay" on them
I dont see why they need them to go through my account so that they can
"demonstrate fraud" .

I think its all cock eyed.

I will be changing accounts. I will close this one as soon as I can organise
it to be done. The bank admit they cannot stop me.

I were running round though when I went in and demanded my money and told
them it was safer in a sock than with them in front of a bank full of
customers. The manager came to try and talk me out of it and thats how I got
to see the cheques and signitures etc.


I have told them that I will not pay for bounced cheques on a stolen book
and card which were reported and should have been stopped.

I have closed my deposit account.

No way am I leaving them with more than a few hundred pounds in that
account.

I walked up the road with a five figure sum in a plain brown envelope and
put it in the Building Society. The building society could accept it all in
my one account and had to open a second one for it.

Whilst RBS cannot question frauded cheques, the building society wanted to
know where I had got my money from before they accepted it. Would you credit
it? ( sorry about the pun)

Sorry to have gone on at length.
I hope others remomber this in case it happens to them ( God forbid it does)

"mich" wrote in message
...

Whilst RBS cannot question frauded cheques, the building society wanted
to
know where I had got my money from before they accepted it. Would you
credit
it? ( sorry about the pun)

Sorry to have gone on at length.
I hope others remomber this in case it happens to them ( God forbid it
does)


My advice would be to write a polite but firm letter to the Chief Exec. at
the RBS if your case is not resolved locally.
It's amazing how a phone call from his Edinburgh office sorts out the locals
!!
I have personal local experience !

Pete (RBS bank officer - retired)

"mich" wrote
| The answer was odd - they couldnt bounce the cheques because if they
| did it would not be fraud ???? Work that one out!

If they bounce the cheques, the money isn't taken from your account, so no
fraud is perpetrated -- against you. There would be fraud against the store
that gave value for the cheque.

| Offending shops by the way ( apparently it is well known to the bank
| and the thieves that these shops will cash frauded cheques and ask
| no questions..... Debehams, Woolworths, Argos House of Fraser. Also
| several "tat chains" - those selling rubbish and cheap clothes and
| sports wear.

Most stores have poorly-paid untrained staff. It's been shown that shops
will accept cheques signed Mickey Mouse. You could possibly take a civil
action against those stores to recover your money - each amount is likely to
be below the small claims threshold.

| Whilst RBS cannot question frauded cheques, the building society
| wanted to know where I had got my money from before they
| accepted it. Would you credit it? ( sorry about the pun)

I think any cash transaction over £5k has to be reported to The Authorities
in case it's moneylaundering. The building soc would have to show it took
reasonable steps to satisfy itself the money wasn't the proceeds of crime.

Owain

I think any cash transaction over £5k has to be reported to The
Authorities
in case it's moneylaundering. The building soc would have to show it took
reasonable steps to satisfy itself the money wasn't the proceeds of crime.

Yes, this is normal now. They ask where it came from and write it on the
back.

I got a few looks when I handed in a cheque for 60,000GBP in the Whitley
branch of Barclays, though! Shame it wasn't mine to spend, though...

Christian.

On Thu, 27 Jan 2005 10:03:35 -0000, "Christian McArdle"
wrote:

I think any cash transaction over £5k has to be reported to The
Authorities
in case it's moneylaundering. The building soc would have to show it took
reasonable steps to satisfy itself the money wasn't the proceeds of crime.

Yes, this is normal now. They ask where it came from and write it on the
back.

I got a few looks when I handed in a cheque for 60,000GBP in the Whitley
branch of Barclays, though! Shame it wasn't mine to spend, though...

Christian.



Did you have somebody riding shotgun? ;-)

My son was always amused if I drove that way to go to B&Q because I
would always lock the car doors.

That was until one day when we stopped at a junction and somebody
grabbed the handle of the passenger door and tried to open it.....
They'd seen him using his mobile phone.....








--

..andy

To email, substitute .nospam with .gl

That was until one day when we stopped at a junction and somebody
grabbed the handle of the passenger door and tried to open it.....
They'd seen him using his mobile phone.....

You stopped at a junction?

Christian.

On 26 Jan 2005 13:56:19 GMT, Ian Stirling
wrote:


quite right and the crazy thing is that if there is no money in the
account,they'll probably bounce the cheques so you'll have a
result!!,your account is just run by a big machine that doesnt know
you are being ripped off,,,

A charge is often incurred to bounce cheques :
No point in charging an empty account..

For all those mugs who pay bank charges, i suggest you go along to
nationwide and open a flexaccount.
Remove antispam and add 670 after bra to email

Be a good Global citizen-CONSUMECONFORMOBEY

Circumcision- A crime and an abuse.

On Fri, 28 Jan 2005 09:19:15 +0000, tarquinlinbin wrote:

A charge is often incurred to bounce cheques :

And normally in the =A320 to =A330 a time bracket.

No point in charging an empty account..

Oh yes there is they'll take you to court for the money. The accounts
T&C's allow them to make those charges, you have agreed the T&C's so
you are liable.

For all those mugs who pay bank charges, i suggest you go along to
nationwide and open a flexaccount.

The very few times, less than the fingers of one hand in 27 years of
having bank ac****s, is when I have balls up or miss timed something.
The banks have occasionally tried to charge me for their cock ups but
they get very short thrift and accounts closed if they persist.

Basically I don't pay any charges at all for running any of my cheque
or deposit accounts, indeed they pay me for having the accounts open
and in credit. This is with High Street banks not obscure ones or tiny
building societies.

--
Cheers
Dave. pam is missing e-mail

"tarquinlinbin" wrote in message
...
On Tue, 25 Jan 2005 21:32:20 -0000, "mich" wrote:

but I hope people might know more than UK legal where trolls and silly
persons seem to be in residence.

I had a burglary/ car theft and lost all my cards ( a hand bag and two
purses and several other things)
Unfortunately this seems to be stnadard practice for most banks. They
allow credit card fraudsters and thieves to conrinually clear out
peoples accounts and run up bills even though you have informed them
of the theft. The best thing you can do is fight back by telling your
bank that you are changing bank accounts if they dont prevent these
debits immediately,if it continues,issue a sample small claims summons
against the bank,,you must take positive action,they are going to
clear you out!!!!! Ive seen it happen to friends,then you have no
money for bills or deirect debits and you incur more charges....

I might be an innocent - although I've had various bank ccounts since 1945 -
but what's the problem with withdrawing all your money and cancelling all
payments, as well as stopping payments in?

Of course you have card protection too.

Mary

Remove antispam and add 670 after bra to email

Be a good Global citizen-CONSUMECONFORMOBEY

Circumcision- A crime and an abuse.

"Dave Liquorice" wrote in message
ll.com...



Basically I don't pay any charges at all for running any of my cheque
or deposit accounts, indeed they pay me for having the accounts open
and in credit. This is with High Street banks not obscure ones or tiny
building societies.

Me too. HSBC and First Direct.

Mary

--
Cheers
Dave. pam is missing e-mail

On Sat, 29 Jan 2005 17:39:58 -0000, Mary Fisher wrote:

They allow credit card fraudsters and thieves to conrinually clear
out peoples accounts and run up bills even though you have informed
them of the theft.

Once the bank(s) have been told you the customer are no longer liable
for the losses but the fraudulant transactions will still appear on
your account.

Ive seen it happen to friends,then you have no money for bills or
deirect debits and you incur more charges....

Those charges and any incurred as knock ons due to a genuine payment
not being honoured the bank should pick up as well. Mind you banks
being banks you *will* almost certainly have to spell out and provide
supporting evidence of any other associated losses.

I might be an innocent - although I've had various bank ccounts
since 1945 - but what's the problem with withdrawing all your money
and cancelling all payments, as well as stopping payments in?

I wouldn't be at all suprised that the banks can come chasing you with
the force of law for anything you owe them before or after you close
an account. The key is telling the bank(s) as soon as you loose you
card(s) or cheque book(s) don't put it off 'till the morning as
generally you are liable untill you tell 'em. And the fraudsters know
that with cards at least they have very short time before the card
number is blocked, cheques are a little different.

Of course you have card protection too.

Card Protection is really only a single point of contact for all your
card issuers. Looks in wallet at a good dozen or so bits of plastic,
it would be a right PITA having to find the numbers for and call each
issuer if my wallet went AWOL. One call to the card protection Co and
everything is stopped and new cards ordered.

--
Cheers
Dave. pam is missing e-mail

"Dave Liquorice" wrote in message
ll.com...

Card Protection is really only a single point of contact for all your
card issuers. Looks in wallet at a good dozen or so bits of plastic,
it would be a right PITA having to find the numbers for and call each
issuer if my wallet went AWOL. One call to the card protection Co and
everything is stopped and new cards ordered.

Yes, we've used it for years.

But there are a couple of PsITA, one is ensuring that the information is
updated every time you get a new or replacement card - that means listing
them ALL again.

The other is tht if you lose just one card and report it ALL the cards on
your list are stopped.

That might have been changed now but it happened twice to us a few years
ago. It was a great inconvenience but worth the hassle. Even though on one
occasion the card had been used we weren't held liable.

Speed of reporting is vital.

Mary

--
Cheers
Dave. pam is missing e-mail

I work for HSBC but am also a student who has come across this in my
studies

firstly, under Section 24 of the Bills of Exchange Act 1882 (yes this
is still the basis of the legal position today!!) a forged drawer's
signature is inoperative; therefore the cheque is invalid. in essence
if the customer's signature is forged the bank has no authority to pay,
and if it does has no authority to debit the customer's account.
(although this presumably doesnt stop the 'available' balance being
different from the statement balance)

on the guarantee side however one would imagine the situation is
different, but even though the Banking Code states that the cheque
books and cards should be kept apart, the legal position is that the
bank is not entitled to debit the customers account when if has paid a
forged cheque, and this is unaffected by the fact that a cheque card
was presented along with the forged cheque
quote the section of the act to the manager.....

Ian

"mich" wrote in message
...

"Mary Fisher" wrote in message
et...

"Dave Liquorice" wrote in message
ll.com...

Card Protection is really only a single point of contact for all your
card issuers. Looks in wallet at a good dozen or so bits of plastic,
it would be a right PITA having to find the numbers for and call each
issuer if my wallet went AWOL. One call to the card protection Co and
everything is stopped and new cards ordered.

Yes, we've used it for years.

Dont rely on your card protection! I have card protection and I have
also
had it for years and its still happening.
I reported all the cards stolen before then shops opened and I am still
paying. I also doubly reported all the cards individually to the card
companies and the bank separately ( belt and braces approach - again all
before any were used!)

I am not sure anymore what I have been paying insurance for!

Having said that, they only stroppy Buggers are the Royal bank of Scotland
( switch, cheque book credit card). My other credit/ bank facility ( Co
operative Bank) have been brilliant!

I am always weary of anything with the word Royal in it. The co-op speaks
for itself.


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