Banking scam

[anobium]

Your text message sounds identical to the one I get from HSBC, which turned out to be legitimate.

What happened when you replied N?

I thought mine was a scam and was too worried to reply. So, I rang the fraud line instead.

Nothing immediately. I received a telephone about 2 hours later purportedly from the bank saying it was in connection with the text message sent earlier.

 

[MNW67]

Nothing immediately. I received a telephone about 2 hours later purportedly from the bank saying it was in connection with the text message sent earlier.

If you find out what actually happened, I would be interested to know. If HSBC don't even know how the money left the account, then that is very worrying!

 

[anobium]

The security question is designed so that they ask the question, and your reply is the correct recorded answer, from when you first chose the security question.
e.g., security question chosen in opening the account: What is the name of your first pet? Correct answer: Fido

It was me that asked them the security question, and they had the correct answer. I never gave it to them.

 

[anobium]

If you find out what actually happened, I would be interested to know. If HSBC don't even know how the money left the account, then that is very worrying!

I agree, if I had given card details, password etc then at least I would know what not to do in the future.
I found it very strange that the bank person I spoke to said and I quote, we will have to inform all the other banks immediately. He didn't say branches.
Quite honestly I didn't expect to be refunded and so quickly.

 

[Deleted member 323070]

It was me that asked them the security question, and they had the correct answer. I never gave it to them.

I've never thought of it being used in that direction.
I would have just just ended the discussion and phoned the banks publicised telephone line.
Friday, I had a SMS message from the bank informing me that an account of mine was being closed if I did not use it in the next 12 months.
I couldn't trace the account number (just the last 4 digits) so I phoned to check with the bank, and they told me those last 4 digits are not any of my accounts.
But I do, from time to time, empty accounts, create new ones and allow the old ones to expire, and under different names, e.g. business names, etc.
So I was not overly concerned.

 

[Atgni]

1 sure way to spot if its a scam call is by how heavy the Pakistan accent is and how quick they get annoyed if you say "you are a scammer mate" and they then start being rude which a genuine bank operative caller would not.

 

[anobium]

1 sure way to spot if its a scam call is by how heavy the Pakistan accent is and how quick they get annoyed if you say "you are a scammer mate" and they then start being rude which a genuine bank operative caller would not.

Funny enough the scammer had what I would call a BBC accent but when I spoke to the real bank the receiver had definitely a Indian/Pakistani accent.
So bad at times I had to ask him to repeat several things. I must stress that he was extremely polite and efficient.

 

[MNW67]

Funny enough the scammer had what I would call a BBC accent but when I spoke to the real bank the receiver had definitely a Indian/Pakistani accent.
So bad at times I had to ask him to repeat several things. I must stress that he was extremely polite and efficient.

Was it HSBC decision to close the account.

 

[anobium]

Was it HSBC decision to close the account.

Yes

 

[ReganAndCarter]

when I spoke to the real bank the receiver had definitely a Indian/Pakistani accent.

Poacher turned gamekeeper.

 

[ReganAndCarter]

Maybe I have read this wrong, and I stand to be corrected, but did banks have security questions 50 years ago?

I remember a man's handshake and maybe his signature being enough to transact banking matters in those days.

 

[anobium]

Maybe I have read this wrong, and I stand to be corrected, but did banks have security questions 50 years ago?

I remember a man's handshake and maybe his signature being enough to transact banking matters in those days.

Maybe I've got it wrong in terms of time, but it was a long time ago, and there is no way he could have guessed the security question.
It was probably when on line banking came into being, when was that?

 

[MNW67]

It was probably when on line banking came into being, when was that?

Late 1990s or early 2000s, I think.

 

[transam]

Not to clued up on all of this caper

But is this scam relevant to on line banking

I.e if you don’t bank or what ever online this scam would not happen ??????

 

[Deleted member 323070]

Not to clued up on all of this caper

But is this scam relevant to on line banking

I.e if you don’t bank or what ever online this scam would not happen ??????

If a scammer has all the relevant details, they can open an online access to your account, and setup their ID to access your account.
And you would be unaware of it.