I was recently the victim of cheque fraud and received all the cheques to have a look at. The signature on them was all capital letters, all individual whereas mine is just a squiggle....
With this the bank had no choice but to repay me the money. My question however is I still have all the interest charges in the account and I cannot pay it back, but the bank are insisting that I do. Surely if the bank accept that the cheques were forged n I was eventually not liable for the money then they should not hold me responsible for the charges that this built up?
2006-12-16 06:59:29 · 18 answers · asked by Anonymous in Politics & Government ➔ Law Enforcement & Police
true...u shouldnt be liable
2006-12-16 07:04:01 · answer #1 · answered by [ jD ] 3 · 1⤊ 0⤋
yes you are correct, the bank should not be charging you. you have options though. 1) Book an appointment with your branch manager and take all the evidence you have with you and demand to no why you are being hld responsible for the interest an dcharges to do with this money? if he doesnot help you then demand to no how to contact the area manager and if he doesnot help go higher then him etc. 2) Seek independant advice from either the C.A.B. or welfare rights. you may also be able to have them come to your appointment with the bank with you. 3) speak to a solicitor about this. they will be able to advice you more about your rights and advice you on what you can do. they may also cntact the bank for you . If these still dont work then you may be able to file a case with the small claims court and include any charges you incurre/ incurred because of the bank but the solicitor would be able to advice you on this. BUT be warned the bank will claim for costs witch they have occured if you lose the case. Good luck with it all.
2006-12-16 10:39:10 · answer #2 · answered by Mrs Bond 3 · 0⤊ 0⤋
Sit down with a bank manager, point out that it was their error and that you shouldn't have to pay interest charges on their mistakes. (I'm assuming you pointed out the error as soon as you found out about it and not two or three months later.) If they refuse tell them you will be contacting the bank examiner, then a lawyer.
If you want to be evil, try this, look at your watch when you're just about done, then say
"Excuse me, but I'm going to be late for my interview with (insert name here) for the (insert name of newspaper here) were they want to interview me about cheque fraud and the what I've gone though so for."
Stand up and leave.
Who know they might see the light.
Just a thought.
2006-12-16 07:44:14 · answer #3 · answered by Richard 7 · 1⤊ 0⤋
Go back to the bank and speak to the branch manager, by appointment if necessary, and ask for a refund of all charges and interest.
If the bank has decided that the transactions are fraudulent and have refunded you then you should not be liable for any other costs incurred as a result.
Go ask for the refund, if you were my customer you would get the refund.
2006-12-16 07:12:01 · answer #4 · answered by phooey 4 · 1⤊ 0⤋
I notice that you were careful not to mention the bank's name but if you tell them that you intend to go to the press, name names and details and so forth they might be more co-operative.
I have found that threatening a major company with bad publicity can make them want to drop the subject or refund the money. Of course, it might depend on how much the interest charges come to.
2006-12-16 07:20:09 · answer #5 · answered by nicechap 1 · 0⤊ 0⤋
No of course you are not liable for charges you did not create. One thing does puzzle me though,where did the fraudster get your cheques? Did you lose ,your cheque book, or was it stolen? If so did you report it to your bank? Where did the person get your cheques?
2006-12-16 15:47:16 · answer #6 · answered by Social Science Lady 7 · 0⤊ 0⤋
No, the bank should NOT hold you responsible at all in any way. You might want to sit down with their manager and tell him/her that if this cannot be rectified then you will have NO choice except to change banks as well as seek legal guidance. If you are forced to take this action you will be looking at damages as well as legal expenses. They may very well remedy this quicker than you think possible.
2006-12-16 07:04:48 · answer #7 · answered by GRUMPY 7 · 2⤊ 0⤋
Call you bank's call center and ask for the Executive Office.
The Executive Office is a higher level call center management team when the idiots who you initially call into can't handle something simple, as reversing overdraft charges from forged checks.
2006-12-16 09:28:41 · answer #8 · answered by Anonymous · 0⤊ 0⤋
There is no way that you are liable for charges on fraudulant cheques. Go to the banking ombudsman and they will sort it out for you xxxx
2006-12-16 07:02:44 · answer #9 · answered by starlet108 7 · 2⤊ 0⤋
True, these charges aren't yours. I'd call them this minute and tell them you are getting a lawyer to look into this and until he tells you to pay these charges you aren't. There are free lawyers in most area's and if not find a cheap one, it shouldn't take him much time on this and in some cases you can get your lawyers fees paid. Sometimes just the threat does it.
2006-12-16 07:08:59 · answer #10 · answered by Mercadies2000 7 · 0⤊ 0⤋
The ombudsman will sort it out for you and when he does the bank should apologise and send you some flowers, If they don't
change banks after it is resolved.
2006-12-17 00:23:15 · answer #11 · answered by st.abbs 5 · 0⤊ 0⤋