I would like to warn everybody who reads this about what has happened to me recently so that hopefully no one else will have to suffer what I have.
Earlier this month I got an email from what I thought was Paypal, it was exactly the same as Paypal and thought nothing of it when they asked me to verify my card details, which I did. The nightmare then started as monies were being taken out of my personal Bank Account that I had not authorised. I spoke to the Fraud Department of the Royal Bank of Scotland who were very helpful and refunded me the money they fraudsters had taken. I then cancelled my debit card and the RBS issued me with a new one and was told that would be the end of it.
Today, 22/01/2013 my bank paid out another lump sum of money, on my old and cancelled card, saying that the money was applied for before the card was cancelled and so had to pay it. once again spoke to the Fraud Department who, this time, asked me a lot of questions making me feel as it was my fault, but it all ended well as the monies taken were once again refunded.
I then went into my local branch in Wollaton to see whether there was anything I could do to stop any more monies being stolen from my Account and the silmple answer is no. I am not allowed to cancel my Account if there are any pending payments, even if they know that the payments are fraudulent, the thieves will still get their money and there is no way of stopping them, amazing but true.
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My card was cancelled on the 17th January and the latest theft was applied for on the 6th January, that means that from the 6th to the 17th any other monies applied for will be paid which means that I have to be qizzed each time by their Fraud Dept and probably made to feel that I'm at fault. Once those 11 days have lapsed, ie form the 6th to the 17th, I can then relax, but there is nothing the Bank system can do to stop it, even after cancelling the card, cancelling the my Account or highlighting each theft before it happens! There is no system in place to protect me or my money!
The thieves are now free to access my account and take from it whatever they want and there is nothing anybody can do to stop them! I would like to say that RBS are tried to what they can do and my branch has helped me as much as they can but it still stuns me to think that someone else is sitting at home and earning a fortune from stealing from me and other accounts once they have got the information required from illegal and fraudulent means.