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Banking fraud is an ever-growing concern, and many of our clients at Specialised Security Services have found themselves victims of scams involving fraudsters pretending to represent their bank. SSS aims to educate the public on how banks manage fraud cases, their responsibilities in such situations, and the necessary steps to take if you have fallen victim to financial fraud.
THE BANK'S RESPONSIBILITY:
If you are defrauded by someone impersonating a bank employee, the bank is not automatically held responsible.
The deciding factors include:
Whether the bank's systems or procedures contributed to the fraud.
Whether the bank failed to comply with industry standards or laws, such as protecting your personal information.
If negligence on your part, such as sharing your banking details, played a role in enabling the fraud.
Banks are legally required to implement strong security measures to protect clients.
However, in most cases, banks argue they are not liable for the loss if you voluntarily share sensitive information (e.g., your PIN, OTPs, or login details) with a fraudster.
THE BANKING OMBUDSMAN:
If you feel the bank acted negligently or unfairly, you can escalate the matter to the Ombudsman for Banking Services.
CONTACT THE BANK:
Report the fraud to your bank immediately.
Request a formal investigation and keep all correspondence for your records.
OBTAIN A COMPLAINT REFERENCE NUMBER:
The bank will provide you with a reference number for your case.
CONTACT THE OMBUDSMAN:
Visit the Ombudsman for Banking Services' website and complete the complaint form: https://www.obssa.co.za
Include all necessary details and attach supporting documents (e.g., correspondence, transaction records).
RECORD YOUR OMBUDSMAN REFERENCE NUMBER:
After submitting the form, you will receive a reference number.
Write this number down and send it to SSS via WhatsApp.
WHAT TO EXPECT FROM THE OMBUDSMAN:
Once the Ombudsman gets involved:
They will contact your bank and request a full report.
Both parties will present their evidence.
The Ombudsman will mediate, investigate, and issue a decision.
This process can take several weeks, depending on the complexity of the case.
10 COMMON AREAS WHERE BANKS MAY DEFAULT:
Potential bank oversights that could strengthen your claim if fraud occurs:
Failure to notify clients about suspicious transactions.
Delays in flagging or freezing fraudulent transactions.
Inadequate security on their online banking platforms.
Insufficient employee training on fraud prevention.
Poor communication about known scams targeting clients.
Failing to provide secure methods for OTP delivery.
Mismanaging sensitive client information.
Neglecting to verify large or unusual transactions.
Not updating outdated security systems.
Refusing to investigate legitimate complaints promptly.
Specialised Security Services is committed to protecting the victims of such fraud.
Contact Mr. Mike Bolhuis for assistance.
A dedicated Specialist Investigator will guide you through the Ombudsman process and provide the support you need.
Remember, never share your banking details with anyone, even if they claim to be from your bank. Always verify first.
Specialised Security Services invites the public to the Mike Bolhuis Daily Projects WhatsApp Channel.
This channel is important in delivering insights into the latest crime trends, awareness, warnings and the exposure of criminals.
How to Join the WhatsApp Channel:
1. Make sure you have the latest version of WhatsApp on your device.
2. Click on the link below to join the Mike Bolhuis Daily Projects WhatsApp Channel:
3. Follow the prompts to join the channel.
4. Make sure you click on "Follow", then click on the "bell"-icon (🔔)
CONTACT MR MIKE BOLHUIS FOR SAFETY AND SECURITY MEASURES, PROTECTION, OR AN INVESTIGATION IF NEEDED.
ALL INFORMATION RECEIVED WILL BE TREATED IN THE STRICTEST CONFIDENTIALITY AND EVERY IDENTITY WILL BE PROTECTED.
Regards,
Mike Bolhuis
Specialist Investigators into
Serious Violent, Serious Economic Crimes & Serious Cybercrimes
PSIRA Reg. 1590364/421949
Mobile: +27 82 447 6116
E-mail: mike@mikebolhuis.co.za
Fax: 086 585 4924
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EXTREMELY IMPORTANT: All potential clients need to be aware that owing to the nature of our work as specialist investigators there are people who have been caught on the wrong side of the law - who are trying to discredit me - Mike Bolhuis and my organisation Specialised Security Services - to get themselves off the hook. This retaliation happens on social media and creates doubt about our integrity and ability. Doubt created on social media platforms is both unwarranted and untrue. We strongly recommend that you make up your minds concerning me and our organisation only after considering all the factual information - to the exclusion of hearsay and assumptions. Furthermore, you are welcome to address your concerns directly with me should you still be unsatisfied with your conclusions. While the internet provides a lot of valuable information, it is also a platform that distributes a lot of false information. The distribution of false information, fake news, slander and hate speech constitutes a crime that can be prosecuted by law. Your own research discretion and discernment are imperative when choosing what and what not to believe.
STANDARD RULES APPLY: Upon appointment, we require a formal mandate with detailed instructions. Please take note that should you not make use of our services – you may not under any circumstance use my name or the name of my organisation as a means to achieve whatever end.
POPI ACT 4 of 2013 South Africa: Mike Bolhuis' "Specialised Security Services" falls under Section 6 of the act. Read more here: https://mikebh.link/fntdpv
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Mike Bolhuis Specialised Security Services
PO Box 15075 Lynn East
Pretoria, Gauteng 0039
South Africa
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