From: "Tim" 
Newsgroups: uk.finance
Subject: Re: Times: Fraud victims left in the lurch by banks
Date: Mon, 16 Jan 2006 12:21:47 +0000 (UTC)

> > "Tumbleweed" wrote
> >> This confrms absolutely what many of us here have been saying about
> >> how C&P puts the onus on customers, and makes a mockery of
> >> those who made statements about how C&P was safer for customers,
> >> and how the onus was on banks to prove fraud had occurred...
> >> ...
> >> And Tim, here's a snippet from you?
> >>
> >> "Tim"  wrote
> >> > Anyway - and more to the point - the customer
> >> > doesn't need to prove it *wasn't* them.  But
> >> > the bank needs to prove it *was* them!
> >>
> > "Tumbleweed" wrote
> >> Doesn't appear so without a shed load of hassle does it, much of the
> >> hassle beyond the means of the average citizen, who, if he presses
> >> it, has to weigh up the possibility he might be prosecuted for fraud.
> >
> "Tim" wrote
> > I give you the following snippet from the quoted article:
> > 
> > After refusing to accept a "full and final settlement" of £350,
> > the Parkers wrote to Sir Fred Goodwin, chief executive
> > of Royal Bank of Scotland, the banking group that owns
> > NatWest, threatening to take their compensation claim
> > to the Financial Ombudsman Service. This prompted
> > NatWest to offer a full refund "in the spirit of conciliation",
> > along with £500 compensation.
> > 
> >
> > Result - even got £500 compo!
> > And didn't even need to go to the FOS or court!
> >
> > The moral of this story is, that when the counter staff don't know
> > what they are doing - go straight to the top of the organisation.
> > Those at the top will realise that the bank needs to prove the customer
> > was involved, and (where they can't) will therefore back down.
> >
> > Oh, and don't think that it'll be loads of bother.
> > At the first sniff of "... it's your fault, sir...", go
> > home and write one letter to the top man...
>
"Tumbleweed" wrote
> Thats fine for those 'in the know', I:m sure everyone posting here
> will be fine. For the weak, uninformed, and perhaps many of the
> elderly, they will suffer aggravation, stress and possible financial loss.

Unfortunately, that's life.

Just because some people don't know what to do in this
situation, doesn't mean that my earlier comments were invalid!