Author Topic: The 3 Towns Arms  (Read 363551 times)

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Offline Ajllandudno

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Re: The 3 Towns Arms
« Reply #735 on: May 02, 2013, 09:16:14 am »
Fester:

They have the receipt stating that they had made the deposit, The branch manger has been made awear of this which is being looke din to. if i hear anything else with regards ill keep you all updated.

Offline Michael

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Re: The 3 Towns Arms
« Reply #736 on: May 02, 2013, 08:44:27 pm »
  I reckon neither of you are with Barclays. As I wrote originally, Barclays no longer have paying in slips, so, if you have no slip, you have no receipt. All you get is a tear off slip of paper on which YOU YOURSELF fill in the amount of cash. Doubt that will hold much water if later on there is a dispute. Its not stamped in any way at all by the Bank, no signature, nothing.
   I told you I couldn't believe it. It doesn't appear to have sunk in to you two gentlemen either


Offline Bri Roberts

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Re: The 3 Towns Arms
« Reply #737 on: May 02, 2013, 09:06:59 pm »
Mike, as an existing customer why don’t you order a paying-in book from Barclays and use that?

Offline Fester

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Re: The 3 Towns Arms
« Reply #738 on: May 02, 2013, 11:42:09 pm »
I was in Barclay's Llandudno earlier today... it seemed to me that there were lots of paying-in slips, pens, the lot!
Fester...
- Semper in Excretum, Sole Profundum Variat -

Offline Michael

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Re: The 3 Towns Arms
« Reply #739 on: May 09, 2013, 08:18:17 pm »
Hello and 2 replies. First to Bri. I don't pay in very often so its many many years since I had a paying in book. I didn't ask for one now as I was told by the cashier that they were no longer considered necessary.
Second to Fester. Sorry, I don't know w hat you have seen. Yes, there are plenty of pens but DEFINAT
ELY not the lot. No paying in slips, not now and, according to the cashier, not never.

Offline Michael

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Re: The 3 Towns Arms
« Reply #740 on: May 09, 2013, 08:46:27 pm »
   Whilst we are on the subject of banks, do you check your bank statements carefully? Well if, like me, you don't, I suggest you start now===at once.
    This is a very shortened version of my experience over the last five/six days.
    Many text messages and phone calls, all automated,all telling me by a computerised voice naming me, correctly, to press keys on my phone to continue.
   I didn't fancy this, Ive heard too much about hugh phone bills incurred by pressing keys, so I didn't respond.
  Next morning a letter from the bank fraud dept. Listing five attempted withdrawals starting with #10 to O2 pay as u go, two for #1800 odd each, one in USA one in Hong Kong, all five totalled around five thousand pounds,all within 5 seconds of each other. No payees of course.
  As instructed I phoned the banks number, 15 minutes at least on the phone, no I didnt know anything about any of them. The original #10 to 02 had gone through but all the others had been stopped.
   So I went to a local branch today and said I have never, ever had anything to do with 02. How do I get my #10 back.? Given another phone number and told to ring that.
  Now I'm not very happy. 2 lengthy phone calls at my expense and #10 gone.
   So I look at my bank statement online and I see, immediately before these five fraud entries, two withdrawals of #20 each to Vodaphone, same day.
   So I go to Vodaphone, whats this about? They said without a reference numbrs they couldnt help. Fair enough.
  So back to the Bank. Whats these two entries about? Now passed on to a customer advisor so slowly getting somewhere.
   And to add insult to injury now Ive been charged #22 for going into my reserve.
   Around half an hour later I came out having been told that all seven entries were a fraud and I would be refunded the #50 plus the #22 today.
   No idea how this has arisen and as far as I can tell at the moment no one is inclined to tell me what its all about or how they nearly got away with it.
?
« Last Edit: May 10, 2013, 08:45:30 am by Ian »

Offline Yorkie

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Re: The 3 Towns Arms
« Reply #741 on: May 09, 2013, 08:58:37 pm »
An immediate move of all your banking to another bank seems to be the order of the day!  ££$
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Offline Michael

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Re: The 3 Towns Arms
« Reply #742 on: May 09, 2013, 09:54:57 pm »
   Yorkie, do you really think there is any difference between one and another? I don't. I decided many, many years ago that they are all painted with the same brush.

Offline Yorkie

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Re: The 3 Towns Arms
« Reply #743 on: May 09, 2013, 10:22:19 pm »
   Yorkie, do you really think there is any difference between one and another? I don't. I decided many, many years ago that they are all painted with the same brush.

The problem is that someone must have your present bank details, so to my mind they need changing. 
Can't agree that they are all the same with regard to security or service, but at the end of the day it is a matter of personal choice. 
I keep very little in my current account, don't use an overdraft and do most of my spending on the Credit Card from which I get a cash back refund at the end of each year.   There has been attempts on my Card but all have been foiled by the Bank security measures.
Hope you don't have further problems.   ZXZ
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Offline Ian

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Re: The 3 Towns Arms
« Reply #744 on: May 10, 2013, 08:44:51 am »
Quote
Yorkie, do you really think there is any difference between one and another?

It it's of any use, Mike, First Direct have consistently been coming top of Which's Bank charts for years, now.  Might be worth investigating them?
Nothing is so firmly believed as that which we least know.  ― Michel de Montaigne

Si hoc legere scis, nimis eruditionis habes.

Offline DaveR

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Re: The 3 Towns Arms
« Reply #745 on: May 10, 2013, 08:50:27 am »
I wonder if the attempted frauds were committed using Mike's actual bank account details or maybe his debit/credit card details?

Offline Yorkie

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Re: The 3 Towns Arms
« Reply #746 on: May 10, 2013, 09:16:24 am »
I wonder if the attempted frauds were committed using Mike's actual bank account details or maybe his debit/credit card details?

Your Debit Card carries the details of your Name, Sort Code and Account Number and possibly your Signature on the reverse, so all the info is there.  Easily skimmed if you are a regular user of ATM's.
 >:(
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Offline Michael

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Re: The 3 Towns Arms
« Reply #747 on: May 10, 2013, 01:22:44 pm »
 The very first thing the bank did was to stop my debit card.. Told me to destroy it because it was useless.
 Within a couple of days I had a new card with a different card number but otherwise identical. The bank acted well here, even if it was closing the door after the horse had gone. So Yorkie guess looks likely.
 Yes, I use ATMs a lot. Maybe I might to have a rethink. I never have much money in my account but I do have a fairly high overdraft limit which I only use if I have to. But of course any scammer could take it up to the limit. So perhaps I had better have a rethink about that as well.

Offline mull

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Re: The 3 Towns Arms
« Reply #748 on: May 11, 2013, 12:29:22 pm »
After a similar experience in August 2011 I would recomend everyone to check thier bank account daily.

Our experience started when I was about to go out to the local shop to top up my phone card and shouted to the wife, did she want me to pick anything up for her. At the time she was on the internet checking our account and advised me that I had paid o2 £10 just 2 days before. She thought I was having a senior moment, but this was serious.

Checking the account further revealed the outgoing to o2 had been followed by £86 to Clinton cards and £194 to ASDA on line shopping.
We immediatly called the bank to report what was happening, and have our cards cancelled, it being a joint account.

My wife then decided to do some investigation of her own and managed to get ASDA to reveal the address the shopping was delivered to in Brierley Hill. Street view showed it as a block of flats, a long way from the Isle of Mull.

Having got this information we then rang West Midlands Police so they could investigate only to be told by them, it is the banks problem not thiers. Despite 3 fraud crimes having taken place in thier area they refused to get involved .

So next time a Chief Constable proudly announces a drop in crime figures in thier area just think how many more crimes they have failed to register.

The only time I had used my card in the Midlands was the previous March when I had attended Crufts with my Search Dog and SARDA Southern Scotland. Even then it was only used to pay for meals in two restruants, and I suspect it may have been cloned. I make a point of not using ATMs for this reason, also I dont like standing  in the street handling money. If I want cash I would rather go a Post Office or get cash back when shopping.

As you can see it pays to check your account daily if possible.
It seem these people test it with a small transaction then if it works the take gets bigger and bigger.



Offline Yorkie

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Re: The 3 Towns Arms
« Reply #749 on: May 11, 2013, 01:25:26 pm »
I recommend card verification for all online purchases!

Verified by Visa - Visa Europe

www.visaeurope.com/en/cardholders/verified_by_visa.aspx

Verified by Visa protects your card against unauthorised use and gives you peace ... signed up for Verified by Visa and that only you and your bank know about.
 *&(
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