From: john boyle 
Newsgroups: uk.finance
Subject: Re: Times: Fraud victims left in the lurch by banks
Date: Thu, 19 Jan 2006 21:27:59 +0000

In message , Ronald Raygun 
 writes
>john boyle wrote:
>
>> In message <2auzf.3437$wl.2766@text.news.blueyonder.co.uk>, Ronald
>> Raygun  writes
>>
>>>  If the bank involves the police, this is a process of
>>>supplying just such information and it would result in the customer
>>>being charged if the CPS felt there were sufficient prima facie
>>>evidence for there to be a case to answer.
>>
>> Rubbish, but acceptable due to your lack of experience. The victim is
>> the customer, not the bank. The customer must supply the information,
>> not the bank The bank will gladly supply evidence as required if
>> authorised by the customer, or by court order. I have never ever ever
>> ever ever ever ever ever known a 'customer' charged with fraud in the
>> circs of card misuse, but I have known a number of customers 'try it on'
>> ( see posts passim).
>
>No, what you say is what would happen in the case where a third party
>is the fraudster, and the bank believes this.  Then the customer
>together with the bank would involve the police in an attempt to
>identify, apprehend, and charge the culprit.
>
>What I was writing about is what would happen if the bank did not
>believe this, and suspected the customer of trying to defraud, erm,
>well, initially himself I suppose, but subsequently the customer
>would seek compensation from the bank and would therefore be
>defrauding the bank.

Again, I will put this down to your lack of experience. The banks stance 
would be (initially) to tell the customer to report it to the police and 
give us the authority to disclose info about their account to the 
police.

If the customer goes to the polise, then the bank could disclose its 
info.

However, I only know of one occasion in which the bank was absolutely 
sure the pin had been disclosed to a third party by the customer. In all 
the other cases it was just 'suspicion' and so we couldnt do anything, 
except tell the client to report the theft to the police.


>

-- 
John Boyle