Hi Mudskipper.Originally Posted by Mudskipper
I had a cheque which I issued for £75 fraudulently altered to £2,350 and the half wits who fraudulently altered my cheque did not have a banking brain as they put a ‘2’ in front of the ‘8’ to make it ‘28th’ despite a cheque having a six month shelf life on it. I suffered no loss as I happened to take a mini statement the day my cheque was in the ‘forward posting’ (a banking term) of my current account and my bank was able to return my cheque. As soon as the bank staff retrieved my cheque they noticed that it had been fraudulently altered. I have a black and white photocopy of my fraudulently altered cheque and it looks as if I had written the cheque myself. The only thing that the fraudsters did not alter was my signature.
I reported my fraud to Strathclyde Police (it took place in January 2012). I gave them full details of where and how the fraud took place and I received a crime reference number. The WPC advised me that they would forward the details of this attempted fraud to the Metropolitan Police and I have never heard a cheep from the Met.
My father received a series of fraudulent standing orders debited to his current account and his RBS branch refunded him every time a fraudulent standing order was debited to his account. Eventually in 2017 I went to the Police Scotland Bell Street office to report this crime.
The WPC on duty told me that they could not investigate this crime as my father had received a full refund from his bank.
I was shocked and told her that this was a novel way for the SNP Government to keep the crime figures down in Scotland.
Over four months after my father died there was another attempt to debit a fraudulent standing order to his current account. I received a phone call and email from RBS asking me to contact them about this standing order. I phoned them and they asked if they could speak to my father. I told them that they would have to go to the ‘pearly gates’ if they wanted to speak to him as he had died over four months ago.
Unbelievable but all true.
In my opinion the main cause of banking fraud is that the back office work from bank branches has been removed to service centres where these staff are able to access full details of customers accounts without their knowledge. I even offered the details of these fraudulent transactions to the Money Section of the Sunday Times in October 2017 after they had been complaining about banking fraud but they never used my information.
Everyone seems happy to ‘sweep things under the carpet’ and do nothing about it resulting in the fraudsters getting away with it.
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