I was very stupid today

You are not the perp.
Remember that.
You were targeted by criminals.
They are skilled at what they do.
Anyone can be caught out.
You wisely contacted your bank asap and retrieved the situation.
Take heart from that.

I had phone call from someone saying he was from my bank and that someone had used my details to start a loan procedure in my name,he was extremely plausible,he said he would send an OTP to my phone and then asked me to read him the code, I said but it says on here do not share this code with anyone not even a member of staff,he told me it didn't apply to him as he was from the fraud dept,I said I wasn't going to do it and he hung up...it can happen to anyone, you're caught off guard.
My bank checked my accounts and told me they never ring you.

Thankyou @welbeck and@Flippen2

I am going to bed now and hope I sleep now!

💐

pinkpriness thank you for sharing what happened to you. We all know about bank scams but that does not prevent us falling victim to them . My good friend, an intelligent and professional person fell for a bank scam that was very similar to what you experienced. It is brave of you to tell us your story and serves as a timely warning to all of us. So pleased your bank has sorted things out for you.

Don't feel silly - these con artists are brilliant at deceiving people .
I used to answer all calls on my phone - up to three unknown calls a day .
Now I block them .
If people know me they can leave a message or text .

Thank you pinkprincess. Please don't feel silly or foolish. They are frighteningly believable. You only need to be off guard for a minute - busy with other things, things on your mind and you can slip up. At least you recognised it as a scam pretty quickly.

We all know about these scams and we all think we won't fall prey to them but it does no harm to get a reminder like this. Keeps us on our toes and keeps it in the front of our minds.

I am sorry these devious and very skilled scammed have given you this trouble.
It is so hard to know what to do.
I had a genuine active complaint lodged with my bank at their instigation. Some weeks later I had a call from their complaints department wanting to discuss it with me and it involved a request for security details which I refused to give. They said they would write to me instead which they duly did, so it was genuine.

I did feel like instigating another complaint about the phone call!

Thank you for your honesty pinkprincess.

It is good to have a reminder.

Some years bsck before we knew much about them, I could very easily have been lured into 2 scams. Sheer fluke I was not.

If it’s any comfort, OP, only a year or so ago I read of a woman who writes for the financial pages of IIRC The Sunday Times, who had fallen for a scam!

Just goes to show that nobody is immune. We all need to be absolutely hyper-vigilant. These people are extremely clever and use psychological techniques to help gain your trust. Alas it’s no longer enough to be aware that spelling and grammar mistakes in emails often means SCAM!

Thank you pinkprincess for telling us about your awful experience. It's good to be reminded that there are people who want to take our money.

What a rotten thing to happen. I hope you are not too shaken up by it. I know I'd be very anxious and stressed. However, you've done the right thing. If it's any comfort my nephew by marriage works in financial services and was scammed. He said that the person who contacted him obviously worked or had worked in the bank concerned as he knew all the correct terminology and procedures.
I hope all is well now.

These are very skilled and unscrupulous people, pinkprincess, so don't be surprised at falling for their scam.
I want to say " how do they sleep at night?", but my father would respond with " on a very comfortable bed with expensive linen": sadly true, I expect.

This very morning I had a call from someone purporting to be from Visa security saying they had locked my card as it had a 400.00 unusual on line payment to The Wine Company. When I asked who I bank with he rang off. He called me by my full name.
I then rang my bank who confirmed there was no problem with my debit card.
So because of your post I was extra vigilant.

All you need to remember is that your bank will never ring you.

I had one a while back. I wonder if his ear has recovered from the very long blast from my whistle. I sincerely hope not.

So sorry this happened to you, please be kind to yourself, these scammers are very devious and are becoming more cunning.
A friend of mine fell into a trap set by one last week. He was able to access her emails and send the scamming email, pretending to be them, to everyone in their address book. The email of course was the one asking for purchase of a gift card.

I had one a few years back, it was a scam involving them telling me there was a fault with my computer which they could sort out for me.

I shouted some choice words to them and hung up.

They had the audacity to phone me back to tell me how rude I was!

So many dubious people out there trying to part us from our cash.

Blowing a whistle down the phone doesn't work. It's frequency is too high so the sound is cut off

Don't blame yourself at all, it wasn't your fault. I do get fed up of all the mistrust there is today. It seems as if you can't believe anything anymore.

A few years ago I nearly fell for a scammer.
He rang me, purporting to be from Microsoft, and saying that my computer was
running slow and that he could fix it.
By sheer coincidence, my computer was running slow, so I believed him.

It was only when he told me to type in a code, that I got suspicious and hung up.

ALWAYS HANG UP then call your bank yourself

they can be so plausible can't they? They are very professional & its easy to catch you off guard

If I ever get to speak to a scammer I would tell them to F..k of!
That’s all that’s needed.

pinkprincess, you have my sympathy. These people are scum and are targeting all sorts of members of the public. (It's surprising how many "sensible" and intelligent people are being conned. I know of several.) IMO it's well worth looking at the "Action Fraud" website - the UK's "national reporting centre" for reporting scam crime. It's useful for accessing information on how you can protect yourself. (The Action Fraud website and line is is run by the UK police.) They cite "Five Steps to Stop Fraud" which I think are very helpful.