An account or facility takeover can happen when a fraudster poses as a genuine customer, gains control of an account and then makes unauthorised transactions.
Any account could be taken over by fraudsters, including bank, credit card, email and other service providers.
Online banking accounts are usually taken over as a result of phishing, spyware or malware scams.
Fraud has been committed if money has been lost.
If fraud has been committed, report it to Action Fraud.