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RE: I Finally Got My Money Back...
On a related note, I've had around 100 kNOK in a frozen bank account for almost two months now without any explanation given. I guess I should complain a bit more loudly than what I've done until now.
That sucks! I do not know if writing a Steemit post will help, but I would be happy to read about your story. 100 kNOK is a lot of money, so the whole thing sounds pretty crazy to me. Norwegians banks are not allowed, according to my understanding, to steal the client's money though, so I guess you will get them back eventually.
I've just been selling Bitcoins. I've had issues with different banks earlier (including frozen banks account), I thought Nordea was the worst, but this one really tops it all. Well, I'm very good at procrastination, and I don't really want to spend energy on this - I've written a number of complaints through the contact-form in the banking system, and got a reply on my first message: "the person that will look into the case is ill and will be back tomorrow". Of course I should have escalated through other means of contact. This is Sparebank1, so they have lots of local outlets where it's actually possible to talk with people.
I do know there have been more than a handful of scam issues, despite that I'm trying to prevent it as much as I can. One of the issues is when some scammer gets someone to pay in advance to my bank account for goods they want to "sell" on our online market place finn.no, at the same time as they contact me and want to "buy" bitcoin. In the cases where the victim has been reaching out to me, I've usually offered 50% payback or 75% payback on the condition that they include all my documentation if they report it to the police - and sometimes even 100% payback, on the condition that they will report the case to the police and include all documentation from my side, but no ... the fraud victims always wants 100% payback, and that without forwarding my documentation to the police. Some of them are threatening to make my life miserable. My guess is that it's one of those fraud victims that have told the bank to freeze my account.
From my point of view I believe I'm morally obliged to share the loss with the fraud victims, but I don't think I have a legal responsibility. The scammer had an agreement with the victim that he would send an iPhone, but broke this agreement - from a legal point of view I don't really think that concerns me. The scammer had an agreement with me that I would send bitcoins when I got money on my account, and I upheld my part of the agreement.
The biggest problem is that I often hear about those cases long after the fact, hence instead of one fraud case there can be 5-6 fraud cases. Then I think a bit about what I can do to protect myself against such frauds and change my rules. Then the fraudster thinks a bit, finds some smart way to get around my new rules, and manage to fraud some 5-6 more people before I've figured out.