Always check your notes when drawing money out, I've been stung today!
 

I drew 100 pounds out of the post office and later discovered that 4 of them were counterfeit, when I tried to use 1. I went to the bank and they checked them all, only 1 was genuine. My bank are trying to help with the post office but they are saying I need to prove that's where I got them? Fuming.

The Post office has full CCTV facing the customer

It's your money. They need to change the notes for you.

I mean you can prove that you got money from them today, maybe they should be checking their other cash in case they have more counterfeit money

Including all the little sub branches that don’t even look like post offices ?


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I only use Banks to get Cash Out
as sometimes when its in 10's
you get an extra 10-pound note.

As New Notes stick together a lot


Thats the Banks Problem
not mine

Yes of course

Regardless of whether they have camera's (which I'm sure they do) or not they would have a record of her having withdrawn money from whichever branch. How she could prove it was those specific notes she got is another question, not sure how that could be proven

Did you use the counter or the cash machine at the post office?

The counter. They accept I was there but not that they gave me those specific notes. I'm so upset. I've not been able to pay my keep or anything.

It was 5 x 20 pound notes. 4 of them weren't genuine.

Who discovered they were fake?

What happened to the notes - did the Bank keep them or give them back to you?

A shopkeeper when I tried to.use one to pay for stuff.

The post office have retained them for now, they said they will get back to me but were quite insistent they didn't give them to me.

I'm surprised a financial agent like the Post Office wouldn't use a note checker when taking cash from people (presumably the fake notes were taken from another customer initially)

They are meant to report any fake notes to the Police and should have taken your details as the Police will want to know where the notes came from. I would go back to the Post Office and ask if they have been reported to the Police and then possibly ask for the reference number and speak to the Police yourself and ask what the procedure is as you are now out of pocket.

Yes. I would go to the police and report it if they aren't going to do it

I've never seen them check in my branch.

Really? That's odd. I can't even remember the last time I was in a shop where they don't check notes never mind an actual financial institute. pretty bad really that they don't check

They should check. Sometimes it's hard to tell otherwise.

It was hard to tell. Apparently the fakes are shinier.

Crazy that a Post Office would give you fake bank notes, not notice they're fake (meaning they must be good enough to fool a post office who usually deal with large sums of cash daily) then the first shopkeeper you take them to notices 4/5 are fake. Incredibly unlucky.

I would contact the police. Which is what the post office was supposed to do.

No the shopkeeper only identified one note, it was my bank who told me it was 4 of them. I went there just to make sure. Then I went back to the post office.

Did they bank say it was on you to report it, or the post office? I guess you both should tbf.

The bank said the post office should report it. I'm assuming they are doing so cos they took all my contact details and said that they'd get back to me ASAP.

Then you tell the post office by doing that they're assuming responsibility. That's it their error. If they thought you were trying to scam them by giving them back dodgy bank notes, they'd either report you, or say it's not their problem. They can make a claim on their insurance or whatever.

I'm surprised your bank allowed you to keep the notes. They should have confiscated them and followed their own procedures for counterfeit notes. They have an obligation to stop them being used elsewhere (you could have used them in a shop that doesn't check).

This link from ActionFraud tells you what you should do:
https://www.actionfraud.police.uk/bl...0force%20area.

If the post office report it, that means they're assuming responsibility maybe? But yeah, the bank most likely have to follow some kind of protocol when dealing with fake notes, even if you're just going into check them.

Kick up a fuss in the Post Office. That's what I would do.

Yes, the bank told me to go straight back to the post office with the notes, it's right across the road, 2 minutes walk away.

I got upset, and think they just wanted to get rid of me. I gave them all my contact details.

They're at fault for having counterfeit money. So liable. They need to refund you.

If you present fake notes to a bank they are legally obliged to confiscate them not give you them back

"Possession of a counterfeit banknote

The Bank will then authenticate the banknote before forwarding all counterfeits to the
National Crime Agency for analysis. Counterfeit banknotes are worthless therefore no
reimbursement will be given unless the banknote submitted is subsequently found to be
genuine."

"The bank will complete a "Retention of Counterfeit Currency Form" and give
you a copy for your records."

….ouch, that must have been a pretty grim experience …I mean, it doesn’t help our faith in financial institutions and procedures that they’ve put in place themselves to protect those who bank with them… if the onus of proof is then going to be on you…you were given bad cash/prove it…?…wow, that’s as bad as the bad cash …being kicked twice, eh…sorry that you had to go through that, Kate….

You would expect banks and Post Offices to have robust procedures to ensure giving out fake notes did not happen, keep pestering Kate and get your money back, can you get in touch with your Universal Credit adviser to see if you can get an advance?

oh that does not sound good

if you used a card terminal to get your cash, it's logged when you did the withdrawal. If it was at a cashpoint or in a post office, they will have video. I'm not absolutely certain, but i believe they also record the serial numbers of every note dispensed. So don't let them wriggle out of it

Yes I wouldn't give up. They're responsible for it. The money come from them.