theifing little ****ers - Skyline Owners Forum

Welcome to the SkylineOwners.Com website. We aim to provide you with the largest knowledgebase anywhere on the internet for the Nissan Skyline.


Go Back   Skyline Owners Forum > Off Topic > Lounge > Do you know what really grinds my gears?


Do you know what really grinds my gears? No, tell us, we really want to know!

Reply
 
LinkBack Thread Tools Rate Thread
Old 08-05-2012, 02:23 PM   #1
Thinks he can Drift
 
Adam-Murse's Avatar
 
Drives: R33 2 door, R33 4 door, S14, Z32
Join Date: Jul 2011
Location: Teesside
Posts: 2,619
Club ID#: 31067

Country Flag

Trade Feedback: (0)


View My Pictures
theifing little ****ers

got up this morning inspite of a cold to take my TFs driveshaft to be machined down... last job on the car for it's MoT

get to the petrol station to get some money out "insufficient funds in your account"

what the heck?! I've not seen that in years...

i know there is about 700 in there plus my over draft of 250

go to bank in town

im 247.43 over drawn and i've been using my bank card for the past week in birmingham

interesting as i've been at home in bed for the past few days ill and i've not been to brummy land in years

bank can do nothing

i have no money

great, just great!!!!!!! does anyone know if there is anything i can do :s I've been offered an emergency lone, but i dont want more debt!
__________________
Nurse, wannabe race car driver and boiled egg enthusiast.

"There's something about engines that calms me down"
"Snap-on, He who has the most tools wins"
"Burn rubber, not your soul"
Adam-Murse is offline   Reply With Quote Share on facebook
Sponsored Links
Advertisement
 
Old 08-05-2012, 02:25 PM   #2
AKA Frenchie

Administrator

 
SPEEDR33PER's Avatar
 
Drives: R33 GTS-T,FULLY MODIFIED ESCORT VAN and the SNOOPYMOBIlE 2
Join Date: May 2006
Location: tillicoultry scotland
Posts: 25,941
Club ID#: 7722

Country Flag

Trade Feedback: (13)


View My Pictures
Bollocks mate but the bank can do something however you do need to report it to the police that ur card has been cloned
__________________
WWW.JAPSPEED.CO.UK

skylineowners.com mechanic and mot tester
SCOTLAND,CLACKMANNAN
SAUDI ARABIA


Quote:
Originally Posted by andyneed4speed View Post

Nice to see the scottish contingent but I didn't realise we had the legendary Speedr33per in our midst
SPEEDR33PER is offline   Reply With Quote
Old 08-05-2012, 02:31 PM   #3
No longer a rep :( but still here :)
 
Tillysrb25's Avatar
 
Drives: Skyline No.5 R33 GTR V-Spec, VW Passat B6 Bluemotion, Vivaro van
Join Date: Jun 2010
Location: Sleaford
Posts: 6,432
Club ID#: 24745

Country Flag

Trade Feedback: (30)


View My Pictures
First things first, tell the police, secondly go to see citizens advice see what they say, then go into your bank and demand an appiontment ith the manager and relay what the cab said.

Gutted for you mate
__________________
Got myself a GTR
Tillysrb25 is offline   Reply With Quote
 
Old 08-05-2012, 02:31 PM   #4
Seasoned Member
 
Spooks's Avatar
 
Join Date: Oct 2011
Posts: 1,490
Club ID#: 32086


Trade Feedback: (1)


View My Pictures
My brother had his card cloned last year. He got a phone call saying " hello sir, have you reently been to Quala Lumpur?"
luckily it was obvious as he had one payment to the local petrol station and then a big payment coming out in Quala Lumpur. He gitvutall back in the end but had to take an emergency loan out to get by while the bank sorted it out.

You should be insured for loss or left so the bank should do their job and track it down. Good luck with it buddy.
Spooks is offline   Reply With Quote
Old 08-05-2012, 02:36 PM   #5
Seasoned Member
 
venables's Avatar
 
Drives: R33 GTS-T S2
Join Date: Aug 2009
Location: W Wiltshire
Posts: 928
Club ID#: 21071

Country Flag

Trade Feedback: (1)


View My Pictures
why can the bank do nothing? I thought they had to prove you'd been negligent (e.g written the PIN on the back of the card, told your mate the number etc) before they can refuse.

If you're in bed sick (with witnesses) and the account is used in birmingham, at least you can prove it wasnt you. They have to PROVE negligence or fraud to not pay you.. not just say "we cant do that". I had a mate that dealt with a similar problem and stood ground and got his cash back, and I'm sure I've read something recently..

Go back and ask to see the manager, and then ask him for a complaint form for the management and details on the banking ombudsman. See if that gets things moving

Just had a search - have a look on here mate - http://www.guardian.co.uk/money/2012...pin-card-fraud - seems a lot of people are hitting the same sh*t with banks.

The key bit is this -

The Financial Ombudsman Service, where lots of these cases end up, relies on the payment services directive, which came into force in November 2009.

It says that if someone is a victim of fraud, the bank must refund them immediately – unless it has good grounds to suspect that the cardholder has been negligent or acted fraudulently.

SO go back in with that info and see what Mr Manager says.

Kev

Kev
__________________
Please note:
The light at the end of the tunnel has been switched off due to budget constraints.
venables is offline   Reply With Quote
Old 08-05-2012, 05:52 PM   #6
Thinks he can Drift
 
Adam-Murse's Avatar
 
Drives: R33 2 door, R33 4 door, S14, Z32
Join Date: Jul 2011
Location: Teesside
Posts: 2,619
Club ID#: 31067

Country Flag

Trade Feedback: (0)


View My Pictures
Quote:
Originally Posted by SPEEDR33PER View Post
Bollocks mate but the bank can do something however you do need to report it to the police that ur card has been cloned
I've been to the police and gotten a crime referance number... im not sure what will happen now, I'll have to go back to the bank

Quote:
Originally Posted by Tillysrb25 View Post
First things first, tell the police, secondly go to see citizens advice see what they say, then go into your bank and demand an appiontment ith the manager and relay what the cab said.

Gutted for you mate
didn't think of CAB but i've been to the police at least

Quote:
Originally Posted by Spooks View Post
My brother had his card cloned last year. He got a phone call saying " hello sir, have you reently been to Quala Lumpur?"
luckily it was obvious as he had one payment to the local petrol station and then a big payment coming out in Quala Lumpur. He gitvutall back in the end but had to take an emergency loan out to get by while the bank sorted it out.

You should be insured for loss or left so the bank should do their job and track it down. Good luck with it buddy.
I think the problem is im not insured... i've got no protection on my account as far as identity fraud etc is concerned

Quote:
Originally Posted by venables View Post
why can the bank do nothing? I thought they had to prove you'd been negligent (e.g written the PIN on the back of the card, told your mate the number etc) before they can refuse.

If you're in bed sick (with witnesses) and the account is used in birmingham, at least you can prove it wasnt you. They have to PROVE negligence or fraud to not pay you.. not just say "we cant do that". I had a mate that dealt with a similar problem and stood ground and got his cash back, and I'm sure I've read something recently..

Go back and ask to see the manager, and then ask him for a complaint form for the management and details on the banking ombudsman. See if that gets things moving

Just had a search - have a look on here mate - http://www.guardian.co.uk/money/2012...pin-card-fraud - seems a lot of people are hitting the same sh*t with banks.

The key bit is this -

The Financial Ombudsman Service, where lots of these cases end up, relies on the payment services directive, which came into force in November 2009.

It says that if someone is a victim of fraud, the bank must refund them immediately unless it has good grounds to suspect that the cardholder has been negligent or acted fraudulently.

SO go back in with that info and see what Mr Manager says.

Kev

Kev
hmm thanks for this info kev, i'll start looking into it... im not sure if i will get anywhere though as I've got no insurance to claim off, effectivly i think the bank is takeing the stance of "if you've been stolen from then so have we" and are looking to the police... who said they will feed the info to the local forces but that the chances of recovering the money are very small... i did enjoy how they pointed out that it wouldn't be a priority as it was such a "small" amount!!!

small amount!!! i've had 2 months wages stolen! thats all the cash i have plus my savings gone! it might be sod all to a police officer on mid 20sK a year+ but for me on a student nurse bursary it's a flipping fortune!
__________________
Nurse, wannabe race car driver and boiled egg enthusiast.

"There's something about engines that calms me down"
"Snap-on, He who has the most tools wins"
"Burn rubber, not your soul"
Adam-Murse is offline   Reply With Quote
Old 08-05-2012, 07:21 PM   #7
Seasoned Member
 
Spooks's Avatar
 
Join Date: Oct 2011
Posts: 1,490
Club ID#: 32086


Trade Feedback: (1)


View My Pictures
The bank is insured mate not you. They have to be covered for fraud. It's all underwritten by the government I think.
Spooks is offline   Reply With Quote
Old 08-05-2012, 08:12 PM   #8
Seasoned Member
 
nazams's Avatar
 
Join Date: Sep 2009
Posts: 662
Club ID#: 21655

Country Flag

Trade Feedback: (0)


View My Pictures
How was the money taken?


Sent from my iPhone using Tapatalk!!!!
nazams is offline   Reply With Quote
Old 08-05-2012, 08:12 PM   #9
Seasoned Member
 
Jags's Avatar
 
Join Date: Mar 2008
Posts: 761
Club ID#: 14716


Trade Feedback: (1)


View My Pictures
As above mate, you don't need to have insurance, the bank need to sort this out and refund you if you've been the victim of fraud. Whoever at the bank it is who's told you it's nothing to do with them needs a slap
Jags is offline   Reply With Quote
Old 08-05-2012, 08:25 PM   #10
Seasoned Member
 
nazams's Avatar
 
Join Date: Sep 2009
Posts: 662
Club ID#: 21655

Country Flag

Trade Feedback: (0)


View My Pictures
Iv been in your shoes a few times mate BUT if YOU have not used the money the bank HAS to pay it Back how ever it's been taken.


Sent from my iPhone using Tapatalk!!!!
nazams is offline   Reply With Quote
Old 08-05-2012, 10:18 PM   #11
Seasoned Member
 
venables's Avatar
 
Drives: R33 GTS-T S2
Join Date: Aug 2009
Location: W Wiltshire
Posts: 928
Club ID#: 21071

Country Flag

Trade Feedback: (1)


View My Pictures
Quote:
Originally Posted by Adam-MGTF View Post
hmm thanks for this info kev, i'll start looking into it... im not sure if i will get anywhere though as I've got no insurance to claim off, effectivly i think the bank is takeing the stance of "if you've been stolen from then so have we" and are looking to the police... who said they will feed the info to the local forces but that the chances of recovering the money are very small... i did enjoy how they pointed out that it wouldn't be a priority as it was such a "small" amount!!!

small amount!!! i've had 2 months wages stolen! thats all the cash i have plus my savings gone! it might be sod all to a police officer on mid 20sK a year+ but for me on a student nurse bursary it's a flipping fortune!
You shouldnt need insurance mate - the rules apparently say that they HAVE to pay you back unless they have grounds to prove fraud or negligence.

Go back and tell them that you're off to the ombudsman as they're breaking the 2009 Payment Services directive..

if you quote legal sh*t to them, they often think again. They're used to people not giving a thought to it and backing down.

Kev
__________________
Please note:
The light at the end of the tunnel has been switched off due to budget constraints.
venables is offline   Reply With Quote
Old 09-05-2012, 12:42 AM   #12
Seasoned Member
 
najames's Avatar
 
Drives: r33 n/a rb25de
Join Date: Jun 2009
Location: HAMPSHIRE
Posts: 788
Club ID#: 20395

Country Flag

Trade Feedback: (0)


View My Pictures
as above the banks will 'TELL' you theres nothing you can do, you have to be very insistent and firm. It happened to a friend, bank said no, he shouted ombudsman, lawyers etc etc, bank paid.
najames is offline   Reply With Quote
Old 09-05-2012, 12:43 AM   #13
Car work on a budget, a very SMALL budget :(
 
GazJones's Avatar
 
Drives: R33 GTS-T
Join Date: Jun 2008
Location: Warrington
Posts: 3,080
Club ID#: 15772

Country Flag

Trade Feedback: (5)


View My Pictures
Happened to me as well, someone took money out in London 10 minutes after I did from Sainsburys in Chester.

Bank asked how I can prove it was not me, I asked them how to go 300 miles in 10 minutes and if they knew to tell me...

That was obvious fraud, they still ask dumb questions though...
GazJones is offline   Reply With Quote
Old 09-05-2012, 12:44 AM   #14
Car work on a budget, a very SMALL budget :(
 
GazJones's Avatar
 
Drives: R33 GTS-T
Join Date: Jun 2008
Location: Warrington
Posts: 3,080
Club ID#: 15772

Country Flag

Trade Feedback: (5)


View My Pictures
Quote:
Originally Posted by najames View Post
as above the banks will 'TELL' you theres nothing you can do, you have to be very insistent and firm. It happened to a friend, bank said no, he shouted ombudsman, lawyers etc etc, bank paid.
+1, not your fault, bank wont want to pay out but its not your problem, its theirs.

Threaten them (politely) with everything under the sun and they will back down.

While you are there ask them for an interest free overdraft increase to cover your losses until they put the money back in your account.

Realistically they cant say no...
GazJones is offline   Reply With Quote
Old 09-05-2012, 12:21 PM   #15
Seasoned Member
 
j_jskyline79's Avatar
 
Drives: Skyline gts25t 1995, 260z, 200sx S1 S14, Toyota 3lt twin cab ute and my wife completely Insane
Join Date: Sep 2007
Location: Far away from a lot of complete knobheads
Posts: 4,045
Club ID#: 12622

Country Flag

Trade Feedback: (2)


View My Pictures
My old man and myself have been in this situation

Lucky enough the bank spotted it

I was actually using my card at the same time it was being used in Malasia. They actually managed to work out and track back to where and when the card had been cloned.

Turns out it was a shell garage. Dirty thieving scum.
j_jskyline79 is offline   Reply With Quote
Reply

Bookmarks


Currently Active Users Viewing This Thread: 1 (0 members and 1 guests)
 
Thread Tools
Rate This Thread
Rate This Thread:

Posting Rules
You may not post new threads
You may not post replies
You may not post attachments
You may not edit your posts

BB code is On
Smilies are On
[IMG] code is On
HTML code is Off
Trackbacks are On
Pingbacks are On
Refbacks are On




All times are GMT +1. The time now is 08:31 AM.


Powered by vBulletin®
Copyright ©2000 - 2019, Jelsoft Enterprises Ltd.
Search Engine Optimization by vBSEO 3.6.1
vBulletin Security provided by vBSecurity v2.2.2 (Pro) - vBulletin Mods & Addons Copyright © 2019 DragonByte Technologies Ltd.
Copyright ©2002 - 2019, Verticalscope Inc.