I allowed for first time in 44years of banking a financial advisor employee of Santander Bank to arrange meeting and recommend where best to invest part of my inheritance funds from my mothers estate. Biggest mistake I would never have believed actions of young management teams employed to investigate disputes between customers and bank . Firstly it was financial advisor employee of bank assurance that investment funds would be completely safe in a 123account Santanders multi million pound monitoring system scans my account 24/7 and highlights any slightly unusual transaction and alerts security personnel who contact me to check I was one making slightly unusual transaction on my account and printed brochure stating same assurance about visa debit card transactions so it was financial advisor account was opened. If I hadn’t allowed santanders financial advisor to recommend best place to invest part of my inheritance funds I would still have £35,000 in my other savings account with Santander Bank. It only took 52 days for security personnel not to contact myself when slightly unusual transaction occurring on my account as financial advisor assurance would happen when monitoring system highlighted slightly unusual transaction on my account and alerted security personnel who chose to approve each transaction instead of contacting myself once to check I was one making slightly unusual transaction on my account. As in allowing account to be completely emptied of £21,950 in 3hrs18mins to an offshore bingo site based in Malta and account opened with just visa debit card details needed which branch manager stated security personnel should have been monitoring account even closer with this type of account as monitoring system clearly highlighted all transactions occurring and account 75 transactions total £500 every ten minutes till Account completely empty besides each transaction the word approved which branch manager stated would be security personnel till Account at 6.04 am morning of 22nd March blocked any further transactions occurring stating insufficient funds available as internal statements clearly showing monitoring system clearly highlighted all transactions occurring and alerts security personnel who’s actions not to contact myself to check I was one making slightly unusual transaction on my account. And branch manager sent emails to security personnel reporting fraudulent transactions on account and identity fraud cancelling visa debit card But he also sent emails to complaints asking head of complaints mr Andrew eadles to investigate why security personnel hadn’t contacted me once to check I was one making slightly unusual transaction on my account . It took eight weeks for mr eadles to get back to branch manager with answer as to security personnel’s actions but his verbal answer was it’s nothing to do with Santander Bank it’s a civil matter totally avoids any reference to security personnel’s . So mr eadles Handed case on to one of his investigations team a Mr Jiten mistry to do in-depth investigation into my losses from my newly opened 123 account. Who report totally ignores that financial advisor employee of Santander Bank was 100% reason 123account was opened and her assurance that investment funds completely safe and explained about santanders multi million pound monitoring and printed brochure about visa debit card transactions same assurance covered by monitoring system. Secondly totally ignores branch manager reporting fraudulent transactions on account identity fraud and cancelling visa debit card to security personnel and complaints asking for investigation into security personnel actions regarding approving each transaction and not contacting myself once to check I was one making slightly unusual transaction on my account as internal statements given to me by branch manager showing security personnel actions fully aware of every transaction highlighted by monitoring system and alerts security personnel who chose to approve each transaction till Account completely empty as in 75 transactions total £500 every ten minutes £21,950 in 3hrs18mins then at 6.04am morning of 22nd March only eight hours earlier security personnel blocked any further transactions occurring as approved changes to insufficient funds available. But still chose not to contact myself once to check I was one making slightly unusual transaction on my account must have considered £21,950 all highlighted by monitoring system and alerts security personnel not slightly unusual transaction. Mr Jiten mistry ignores all of this and his report stated santanders multi million pound monitoring system doesn’t garrentee to pick up all slightly unusual transactions or when it might alert security personnel to contact myself and the monitoring system cannot block further transactions or payments being made after branch manager reported fraudulent transactions on account to security personnel who again failed to block further payments being made two days later £11,000 to offshore bingo site Now as internal statements clearly highlighted all transactions occurring and details needed to block further payments being made. But santanders head of complaints and Mr Jiten mistry head of investigations totally ignore fca governing body of banks and rulings banks must follow regarding identity fraud and especially if account opened with just visa debit card details needed. Rulings very clear customer cannot be held responsible for losses of his own savings and if Account opened with just visa debit card details as in my case card in my wallet whole time and being used as normal till an hour before branch manager reported fraudulent transactions on my account by email to security personnel and complaints. Bank must refund losses immediately and if any further payments being made after branch manager reported fraudulent transactions on account bank must refund losses immediately totally ignored by head of investigations and complaints.