We have obtained a damning transcript where a woman telephoned Nationwide about a £7,300 bank transfer she was planning to make for a car found online. In it, Sophie Jones, 26, asks Nationwide whether she would be protected if the sale turned out to be a scam. The call handler says 'yes' and explains to Sophie that they would be able to trace the money to see where it had gone. However, this couldn't be further from the truth.
Hero who tracked bank fraudsters to win back £20k they stole from him: Banks say they won't cover fraud losses so this father turned detective
In the first case of its kind, Gideon Roseman managed to track down his stolen money after it been sent to a crook's account - and get every penny back. Gideon was conned when fraudsters posed as the builder he had hired to extend his home. They hacked into the builder's email account and sent the 39-year-old barrister a message asking him to make a lump sum payment before the work could begin.
Santander fobs off fraud victims in just 24 hours: We expose loopholes that may explain why so many of the bank's customers are being hit
Mother-to-be Claire Pearson, 38, from Surrey, main picture, was seven months pregnant when she lost almost all of the £71,700 inheritance she'd received from her late father. Daniel Hughes, 19, bottom right and Terry Allen, 75, top right have lost almost £5,000 between them and they are all among fraud victims being fobbed off by Santander. All were ripped off by fraudsters pretending to be from the bank's anti-fraud team. Customers who have lost thousands of pounds in sophisticated scams are being sent carbon-copy letters by the bank rejecting their requests for a refund, Money Mail and This is Money can reveal.
SCAMS TO WATCH OUT FOR
'We lost £3k to bogus Amazon sellers': Online giant missed chance to warn customers of fraud - and now their bank can't help
Mandy Hodges, 50, from Sevenoaks, Kent and her husband David, 52, were on the genuine Amazon website when they spotted an LG 3D 4K television - one of the highest spec TVs on the market - for £3,079, some £600 cheaper than the recommended retail price. It was being sold by a third party company on Amazon named JP Wright, which the couple had no reason to believe was not a genuine third-party firm using the website's popular Marketplace.
GUIDES TO BEAT THE SCAMMERS
Revealed: The top ten online scams - and how one victim lost his money to fraudsters who conned all his Facebook friends too...
The ten biggest online scams lost victims across the country £670million over the last year - and this figure is likely to be far higher due to unreported cases, National Fraud Intelligence Bureau data reveals. The case of a victim known only as Chris, who had thousands stolen by fraudsters who rang his bank to gain details and also conned his Facebook friends into sending money too, is highlighted by Get Safe Online Week.
MORE SCAM ADVICE AND NEWS
Can you spot the scam? Some of these are fake emails sent by financial fraudsters and some are genuine - see how many you can get right...
Britain is facing a fraud epidemic. Scammers are using an ever increasing number of methods to trick people into handing over the keys to their cash. This is Money publishes e-mails, answer phone messages, text messages and scenarios below for you to guess which ones are genuine contact, and which ones aren't...
The five signs an ATM has been tampered with: As card machine fraud soars we reveal the tell-tale signs to look out for
When using a cash machine, it is important to be alert for signs of criminal activity - of which there can be many. This graphic details just a few - from cash dispense units with false fronts to loose elements. Up to 2,500 Britons fall victim to card fraud at ATMs every week, according to Financial Fraud Action UK - and those going to the US on business or holiday have been told to take extra care. It comes after the number of machines hacked by criminals in America last year rose 546 per cent in 12 months to its highest ever level, according to New York Stock Exchange-listed software firm Fico. When using a cash machine, it is important to be alert for signs of criminal activity. Fico's fraud specialist Brian Kinch has given MailOnline some telling signs that an ATM has been tampered with. Pictured are ticket skimmers, which are gadgets superimposed to steal card information on top of real cash machines.
BEAT THE SCAMMER GUIDES
- Six steps to get your money back if you are hit by bank fraudsters
- How to spot a fraudster on the phone Six tell-tale signs that a call is a scam
- Exposed The mind tricks crooks use to steal your life savings and how to protect yourself
- Fed up with forgetting your passwords? The tricks to create and remember codes that fraudsters can't crack
- Would you fall for these scams? Donna Air, Rufus Hound and Carol Vorderman learn the tricks of fraudsters - and are shocked how convincing they are
- The internet love cheats after your cash How to protect yourself as fraudsters target dating sites to steal money and IDs
- The best ways to beat nuisance calls Security expert reveals his tips, as he warns conmen will find a chink in BT's new call-blocking armour
- A scam victim every 15 seconds in the UK as financial fraud soars 53% Five steps to protect against fraudsters
- How to avoid a banking nightmare Your rights, fraud and how to complain when things go wrong
- How to protect yourself from 'The Dark Web' 10 simple steps to keeping your details safe fraudsters and hackers
- Five tips to avoid falling victim to pension fraud And two chilling tales from savers who narrowly dodged the conmen
- From the impersonated charity boss to the ID theft victim We reveal how fraud sharks target you and how to protect your savings
- Revealed: The top ten online scams And how one victim lost his money to fraudsters who conned all his Facebook friends too...
DON'T MISS...
- Our savings picks This is Money's five favourite best buy cash Isas for 2017
- NS&I; launches new fixed-rate savings deals And the first guaranteed income bonds in eight years
- 'I cashed out my Isas and lumped half of it in Bitcoin' LEE BOYCE on a conversation with a taxi driver that reveals how far the boom has reached
- How big banks pocketed YOUR rate increase Some savers will see less than a sixth of the 0.25% base rate rise
- 'My cryptocurrency investment has gone up 40% in a month' Will the £8k Bitcoin be a Christmas cracker or suffer a New Year hangover?
- Was this the best investment of 2016? Woman from Kent scoops £1m jackpot with Premium Bond bought 18 months ago
- A black week for bank branches First Lloyds, Halifax and YBS, and now RBS says 259 branches will close - so what is going on?
- Bank customers warned of new scam Fraudsters pose as police officers to enlist victims in an 'undercover operation'
- Death of the savings habit As the amount we put aside falls towards a record low of 30p for every £100, how YOU can get back on track
- Best banking apps revealed How does your big bank score for useful features and safety?
- The Budget with ZERO mentions for savers Hammond fails to offer any cheer - and the Isa limit won't rise
- What is an Isa? We explain what they do, how to pick the best one for you and how they can make you richer
- Will this make it easier to buy and spend cryptocurrencies such as bitcoin and ethereum? London Block Exchange launches with a debit card
- 'Where's our £275k gone?!' Frantic couple's cash goes missing for ten days after they transfer it to buy a house in Cornwall - until we step in
- Is your bank playing fair on savings? Most fail to pass on the full 0.25% base-rate rise to their customers
- Are naive bank staff making it EASIER for fraudsters? Sophie lost £7,300 to eBay car con despite seeking advice
- Looking for a better bank? This is Money's five of the best current accounts
DON'T MISS
- Could you train your brain to get richer? Listen to the This is Money podcast Tackle your own temptations.
- Shield your cash from the secret 'skimmers' How fraudsters can grab your details from your pocket
- HETHERINGTON: 'I paid £3k to a debt collector to get our missing £20k back Now the firm's shut up shop, how can I get my money back?'
- More branches may close RBS head of banking Jane Howard threatens she will wield the axe again if online 'revolution' continues
- MIDAS SHARE TIPS Slap on the Warpaint, cosmetics shares look to be a winner
- Discount degrees Universities Minister Jo Johnson reveals plans for cheaper, two-year 'value for money' express courses
- Beat rising transport costs Use our ten-point guide to getting the cheapest train tickets
- 'Lunch with the Queen, then a knighthood...you can't get better vindication than that!' RUTH SUNDERLAND interviews Iceland founder Malcolm Walker
- They may think they want Lego Star Wars... But these Christmas gifts are a better way to build your child a fortune
- Thousands more households in danger of losing their homes After switch to universal credit as critical safety net is removed, banks warn
- Where are landlords raking in the biggest profits? The map that reveals where Britain's buy-to-let hotspots are
- How millennial investors can turn £100 a month into £135,000 Fund giant Vanguard launches investments for those retiring in the 2060s.
- Rush for lifetime mortgages as baby boomers shun their kids' inheritances and sign away their homes
- Investors continue to ditch UK companies and even turn away from income funds Bonds hoover up the most money.
- VW boss jailed for seven years in US over emissions scandal as legal action brews in UK over government cheerleading for diesel cars
- Fancy living in your own luxurious ski chalet? £8million home with indoor garden, glass bridge and climbing wall goes on sale in France's Val-d'Isère.
- If all diesels over ten-years-old were replaced with cleaner new cars then killer emissions would fall two-thirds (and UK motorists would save £1bn)
TOP CALCULATORS
- This is Money's calculators and tools All our calculators in one place. See how they could help you
- Historic inflation: how the value of money has changed The effects of inflation since 1900 and what past prices mean today
- True cost mortgage tool - rates AND fees Compare the cost of rival fixed and tracker rate mortgages
- Mortgage affordability: How much you can borrow Find out how much you can afford to borrow and the difference between repayment and interest-only
- Monthly or lump sum savings calculator How much a regular monthly savings scheme could make or a lump sum could be worth.