Things stolen - not strictly DIY

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

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

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

I couldn't find much else except:

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

Says it all, really ...

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!

i`ll retreat back under my bridge

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 ?

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

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!

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 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

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

Pete (ex RBS bank officer)

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.

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

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.

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.

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!

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-CONSUME>CONFORM>OBEY

Circumcision- A crime and an abuse.

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-CONSUME>CONFORM>OBEY

Circumcision- A crime and an abuse.