When WILL banks refund scam 犠牲者s? They 約束d 補償（金） for '押し進める 支払い（額）' 詐欺 犠牲者s four months ago... we're still waiting

  • The 財政／金融 産業 appeared to have made a 打開 last year
  • A new code of 行為／行う and 補償（金） 計画／陰謀 were 提案するd?
  • But the new 支配するs are still not in 軍隊, and every day 犠牲者s lose another £1 million to conmen

By Victoria Bischoff and Amelia Murray For The Daily Mail

Updated:

Money Mail today calls on major banks to stop dragging their heels and help find a 解答 to 再会させるing scam 犠牲者s with their cash.

The 財政／金融 産業 appeared to have made a 打開 last year when a new code of 行為／行う and 補償（金） 計画／陰謀 were 提案するd に引き続いて years of inaction.

But four months on, the new 支配するs are still not in 軍隊, and every day 犠牲者s lose another £1 million to conmen.

Scammed: Emma Harper, 50, from Cambridgeshire, was tricked out of £19,756 by crooks posing as NatWest in October

Scammed: Emma Harper, 50, from Cambridgeshire, was tricked out of £19,756 by crooks 提起する／ポーズをとるing as NatWest in October

にもかかわらず this, banks continue to resist calls to 補償する 犠牲者s and are now turning on their 顧客s.

In a 300-page 報告（する）／憶測 published last week, 主要な 貸す人s 警告する the new 支配するs could mean 顧客s みなすd to be 攻撃を受けやすい to scams are 否定するd bank accounts.?

Banks 追加する that they may also have to 延期する 支払い（額）s for 本物の 顧客s while they carry out the 要求するd checks and 供給する 警告s, which could 原因（となる） people to 行方不明になる out on house 購入（する）s.

However, the main 原因（となる） of 論争 is that banks do not believe they should foot the 法案 for the 補償（金） 計画／陰謀.

They have agreed they should refund 顧客s if the bank is at fault. But for 犠牲者s of scams where no one is to 非難する, banks 辞退する to 基金 a 計画／陰謀.

Lloyds Bank said 顧客s should be made to 支払う／賃金 'a plastic 捕らえる、獲得する-style 税金' on some or all 処理／取引s. Money collected from these 料金s could then 基金 補償（金） for scam 犠牲者s.

Leading lenders warn the new rules could mean customers deemed to be vulnerable to scams are denied bank accounts

主要な 貸す人s 警告する the new 支配するs could mean 顧客s みなすd to be 攻撃を受けやすい to scams are 否定するd bank accounts

It 追加するs: 'Since most 消費者s would 支払う／賃金 this [hopefully] trivial 告発（する），告訴（する）／料金 比較して frequently it would 供給する a continual 思い出の品 of the importance of taking steps to 妨げる scams.'

HSBC, however, said 'it would be against the spirit of the code for 顧客s to 基金 the reimbursement'. Santander said it was keen to use 犯罪の money frozen in accounts to 基金 a 補償（金） 計画／陰謀, while others 示唆するd telecoms and data handlers should 与える／捧げる.

Many banks also （人命などを）奪う，主張するd giving 顧客s the 権利 to 補償（金） could 増加する 詐欺 as 犠牲者s may take いっそう少なく care.

Barclays hinted that banks could take 合法的な 活動／戦闘 if the code 軍隊s them to refund scam 犠牲者s when they have done nothing wrong.

It said: 'To place 財政上の 義務／負債 in such 事例／患者s upon 支払い（額） service providers would be manifestly 不正な, and 始める，決める out a dangerous precedent which 支払い（額） service providers would likely be 軍隊d to challenge through all 利用できる 大勝するs.'

The most 最近の 人物／姿／数字s from banking 貿易（する） 団体／死体 UK 財政／金融 show 犠牲者s lost £145 million to いわゆる authorised 押し進める 支払い（額） 詐欺 in the first six months of last year ― around £1 million a day.?

The true 人物／姿／数字 is even higher, as many people are too ashamed to come 今後.

Gareth Shaw, 長，率いる of money at Which?, says: '顧客s might be 関心d at the more draconian 対策 存在 提案するd by some banks.?

'It's important that changes are 速く introduced to 保護する people against scams, but they must not 除外する people from 決定的な services.

'People are still losing life-changing sums every day. An 協定 must be reached to 確実にする banks reimburse 犠牲者s who lose money through no fault of their own.'

The most recent figures from banking trade body UK Finance show victims lost £145 million to so-called authorised push payment fraud in the first six months of last year - around £1m a day

The most 最近の 人物／姿／数字s from banking 貿易（する） 団体／死体 UK 財政／金融 show 犠牲者s lost £145 million to いわゆる authorised 押し進める 支払い（額） 詐欺 in the first six months of last year - around £1m a day

In some 事例／患者s, banks only 支払う／賃金 out after Money Mail 介入するs. 内部の designer Emma Harper, 50, from Cambridgeshire, was tricked out of £19,756 by crooks 提起する／ポーズをとるing as NatWest in October.

'Katie' （人命などを）奪う，主張するd unusual 支払い（額）s had been made from her account in Bristol. She said Emma must move her money to another 内部の account to keep it 安全な.

But the fraudsters had 接近d her online account and transferred the money to themselves. It was not until the next day that NatWest called regarding a 怪しげな 支払い（額）. The bank knew nothing about the call she received the night before.

'I felt 荒廃させるd and sick,' Emma says. But NatWest 辞退するd to refund her money. Sheena Andrews, of Romford, Essex, was tricked into transferring £14,200 on Christmas Eve.?

She was called by a conman 提起する／ポーズをとるing as a NatWest 詐欺 視察官 （人命などを）奪う，主張するing there were 怪しげな 処理／取引s on her account.

Sheena, 53, asked him how she could be sure he was 本物の. He told her to check the number on her 動きやすい phone which matched the one on her debit card.

The crook was also able to 確認する the last three direct debits to leave her account.

He then told Sheena, a PA for a furniture company, to 移転 her £14,200 貯金 to a '安全な' account. She was told to visit the 詐欺 team at her 支店 on ボクシング Day but when she turned up it was の近くにd.?

She says: 'My world fell apart and I went into panic 方式.' But she later 設立する out the money didn't leave the account until the day after she had 報告（する）／憶測d the 詐欺.

After Money Mail stepped in both Sheena and Emma received a 十分な refund. Yet NatWest 辞退するd to explain how the fraudsters had got 持つ／拘留する of their 詳細（に述べる）s and why it let the 怪しげな 支払い（額）s through.

Stephen Jones, 長，指導者 (n)役員／(a)執行力のある of UK 財政／金融, says: 'The 産業, 消費者 groups and the regulator are working hard together to 配達する a code which 始める，決めるs out （疑いを）晴らす 必要物／必要条件s for 消費者 保護 and the 原則s for reimbursement.'

詐欺@dailymail.co.uk

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