M
mart83
Guest
a few years ago i was unfortunately a victim of cheque fraud. i was young naive and let myself be taken advantage of financially, this is how it happened:
i was in hospital in dublin for a number of days in the run up to christmas awaiting results of a scan when i befriended a scottish man, named chris in his 40s i think who shared the ward with me. anyways after a few days he asked me could he lodge a cheque to my account and then withdraw the money once the cheque cleared. he asked this as he said he could not lodge the cheques to any other account as he was only in ireland working until he went home for xmas. eventually i agreed as i figured i could not lose out as my account was empty and the only money he would get would be his own once the cheque cleared. so with this in mind i gave him my passcard and pin no. (very naive of me) and he went to lodge the cheque into my account. the following day i was still in hospital he came back to see me and told me that the cheque stil had not cleared but that he had made contact with his brother in scotland who had lodged almost 3000 euro into my account for chris to receive. but he needed me to go to the bank with him to access it as he could not get it out of the pass machine due to the large sum he wanted to withdraw. i went to the bank wit him and withdrew the money without any questions asked. he then told me he would make contact wit me with regard the cheque he had lodged and make arrangements for me to send him the money when it cleared.
2 weeks later i receive a phone call from my bank saying i am 3000 euro overdrawn and that two large cheques had bounced. i was then told that he had lodged two cheques and that his brother lodging the money was an elaborate story he created. but wat i cannot understand is why the bank let the money be withdrawn from my account before the cheques had cleared? the bank then told me it was my responsibility to repay the 3000 euro, which i began to do in the way of a loan from the bank. i think this was very naive of me and im just wondering if anyone out there has any advice for me?
should i have repaid the money or was it the banks fault for letting the money be withdrawn without having cleared the cheques first
any feedback will be appreciated
thanking you
martin
i was in hospital in dublin for a number of days in the run up to christmas awaiting results of a scan when i befriended a scottish man, named chris in his 40s i think who shared the ward with me. anyways after a few days he asked me could he lodge a cheque to my account and then withdraw the money once the cheque cleared. he asked this as he said he could not lodge the cheques to any other account as he was only in ireland working until he went home for xmas. eventually i agreed as i figured i could not lose out as my account was empty and the only money he would get would be his own once the cheque cleared. so with this in mind i gave him my passcard and pin no. (very naive of me) and he went to lodge the cheque into my account. the following day i was still in hospital he came back to see me and told me that the cheque stil had not cleared but that he had made contact with his brother in scotland who had lodged almost 3000 euro into my account for chris to receive. but he needed me to go to the bank with him to access it as he could not get it out of the pass machine due to the large sum he wanted to withdraw. i went to the bank wit him and withdrew the money without any questions asked. he then told me he would make contact wit me with regard the cheque he had lodged and make arrangements for me to send him the money when it cleared.
2 weeks later i receive a phone call from my bank saying i am 3000 euro overdrawn and that two large cheques had bounced. i was then told that he had lodged two cheques and that his brother lodging the money was an elaborate story he created. but wat i cannot understand is why the bank let the money be withdrawn from my account before the cheques had cleared? the bank then told me it was my responsibility to repay the 3000 euro, which i began to do in the way of a loan from the bank. i think this was very naive of me and im just wondering if anyone out there has any advice for me?
should i have repaid the money or was it the banks fault for letting the money be withdrawn without having cleared the cheques first
any feedback will be appreciated
thanking you
martin