It seemed pointless. A 'Bank' with whom I have no business thanking me for making a payment to somebody I equally have had no business [It turns out to be an E-Bay trader called click here] So if it is fisching or some other - I didn't see the point and wondered if any of you out there could shed some light?
I'm not sure specifically. I get a fair few. Sometimes a couple a week, then maybe a surge of a couple of dozen. I assume it's where my e-mail address has been passed/sold on. Perhaps the scammer is hoping for you to respond and query the transaction, with a view to extract account info from you. Like you I just bin them straight away, without opening them.
I get less since I opened a 'junk mail' adress to use for buying online or registering for sites etc.
Point is, you may not have an account with bank XXX, but they send out a few million of these mails. A small percentage of recipients will have said bank account....
With the ones that quote a recent Ebay purchase, say, you may not have made a recent purchase, but amongst the many that receive the mail, some will have done so.
Overall, a very, very small percentage may fit the pattern, and even fewer will fall for the "give your details" bit... but it only needs a couple to make the sender a fair ... (erm... misuse of that word) profit.
I did receive one a few months back, about half an hour after filling in a Paypal dispute. It was titled something like... Re: your dispute... I was irritable, angry, and nearly, nearly started to click on the link before it twigged that it was pure coincidence.
For someone less computerate/more irritated, a few keystrokes is all it would take!!!
It sounds to me like a different plan of attack. Too many people are used to the 'update details' trick and many people, unlike yourself, will be curious as to what this £12 was for, especially if they have a bank account with Abbey. They could write the most nonsensical garbage with a link on it, and still there are people who would click it.