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Turbofocus
Original Poster
313 posts
27 months
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The other day my card must have been cloned and was then used to buy car insurance.
I realised straight away my account was overdrawn before it fully cleared and spoke to the bank.
They were able to confirm a payment for car insurance was pending and were able to give me the insurance companies name so I was able to phone them up and confirm a policy had been taken out fraudulently.
My question is,does the insurance company have to refund the money to my bank and if yes how quickly should it be done.
So far it has been 17 hours since I spoke to the insurance companies customer service department and there is no sign of a refund.
I also get the feeling they have no intention of making one,leaving me short of a lot of money and overdrawn.
I know in the end i will probably get a refund from the bank but i was hoping i could get the insurance company to refund straight away as they were made aware it was fraud straight away.
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E31Shrew
4,918 posts
62 months
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Had over £6000 pinched a couple of years ago. The woman bought airline tickets, furniture, ferry tickets as well as various other items. Police had zero interest, but money was refunded by bank within 7 days, after having highlighted the dodgy payments on a statement.
I don't think the insurance company are liable for the refund but may be wrong?
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daz3210
5,000 posts
110 months
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I ad it a few years ago.
Bank are the ones, you sign a few papers and they sort it.
What they didn't refund me though were the extra bank charges and interest for being overdrawn!
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eybic
1,974 posts
44 months
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The police will not be interested unless the bank get them involved. The bank wont get the police involved as this goes down as a "black mark" against them.
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DiseasalDriver
781 posts
17 months
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How on earth is this not a cut and dry case?
Hello insurers, police here, could you confirm who has been insured using this card?
Knock knock... why did you insure a car in your name using this card.
You're nicked.
FFS, if its in a fake name on a stolen car or something then the insurance is useless. Flag up the registration.
How is that not simple?
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eybic
1,974 posts
44 months
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My card was used/cloned a couple of years ago. I managed to get the delivery name and address that the goods were ordered for. The police were not interested unless the bank asked them to get involved as technically it wasn't me that was stolen from (as the bank gave the money back).
The policeman I spoke to told me thjat they very rarely actually do anything in relation to this kind of stuff as the banks never get them involved unless it's a LOT of money.
So guys you will be safe using someone elses card as long as you don't spend too much on it.
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joewilliams
1,511 posts
71 months
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DiseasalDriver said: How on earth is this not a cut and dry case?
Hello insurers, police here, could you confirm who has been insured using this card?
Knock knock... why did you insure a car in your name using this card.
You're nicked.
FFS, if its in a fake name on a stolen car or something then the insurance is useless. Flag up the registration.
How is that not simple? I would imagine that the car is not registered to current user, so no need for them to give the insurance company their actual address. Purchasing insurance just reduces the risk of being stopped by ANPR whilst going about their perfectly lawful business 
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Jasandjules
45,852 posts
99 months
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E31Shrew said: Had over £6000 pinched a couple of years ago. The woman bought airline tickets, furniture, ferry tickets as well as various other items.Police had zero interest, That's really quite a shame, surely with airline/ferry tickets it isn't exactly going to be hard to arrest the person? If nothing gets done, little wonder people continue to do this.
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Turbofocus
Original Poster
313 posts
27 months
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joewilliams said: DiseasalDriver said: How on earth is this not a cut and dry case?
Hello insurers, police here, could you confirm who has been insured using this card?
Knock knock... why did you insure a car in your name using this card.
You're nicked.
FFS, if its in a fake name on a stolen car or something then the insurance is useless. Flag up the registration.
How is that not simple? I would imagine that the car is not registered to current user, so no need for them to give the insurance company their actual address. Purchasing insurance just reduces the risk of being stopped by ANPR whilst going about their perfectly lawful business These are my thoughts on the matter. I would guess the car is not registered to the new keeper and was insured just to stop it being pulled over.
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DiseasalDriver
781 posts
17 months
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Turbofocus said: joewilliams said: I would imagine that the car is not registered to current user, so no need for them to give the insurance company their actual address. Purchasing insurance just reduces the risk of being stopped by ANPR whilst going about their perfectly lawful business These are my thoughts on the matter. I would guess the car is not registered to the new keeper and was insured just to stop it being pulled over. I agree with that logic. However, an ANPR marker on the registration of the car that the insurance has been taken out on will cancel any chance of that working and will actually end up attracting more attention and a further fraud charge? Or have I missed something?
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oldsoak
5,587 posts
72 months
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So there is now a car of which the registration number of it is known now uninsured and probably swanning around the roads of the UK as we discuss this matter.
IMHO Plod should be notified of these 'goings on' and the car stopped asap, 'the tree' shaken vigorously just to see what falls out.
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Turbofocus
Original Poster
313 posts
27 months
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DiseasalDriver said: Turbofocus said: joewilliams said: I would imagine that the car is not registered to current user, so no need for them to give the insurance company their actual address. Purchasing insurance just reduces the risk of being stopped by ANPR whilst going about their perfectly lawful business These are my thoughts on the matter. I would guess the car is not registered to the new keeper and was insured just to stop it being pulled over. I agree with that logic. However, an ANPR marker on the registration of the car that the insurance has been taken out on will cancel any chance of that working and will actually end up attracting more attention and a further fraud charge? Or have I missed something? I do not think you have missed anything.Those are still all my thoughts on the matter.Just needs the insurance company and bank to want to go down that route. I just want my money back. 
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Turbofocus
Original Poster
313 posts
27 months
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oldsoak said: So there is now a car of which the registration number of it is known now uninsured and probably swanning around the roads of the UK as we discuss this matter.
IMHO Plod should be notified of these 'goings on' and the car stopped asap, 'the tree' shaken vigorously just to see what falls out. I spoke to the insurance comopany and said give me the car registration and make and model. Them,sorry sir data protection we can not give you that information. Me,I have paid to insure that car though according to you. Them,Sorry sir data protection.We can give that information to the bank or the police though. 
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ARH
1,084 posts
109 months
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some years ago (about 5) my card was cloned. About £3k. the bank contacted me to ask if I had made these payments. they refunded all the money. 2 weeks later a policeman from Bristol contacted me and asked if I would like to be witness in a court case for card fraud. 4 guys were charge and sentenced some time later. I did not have to go to court as 60 odd people were willing to testify. I was informed of the sentencing etc. with regular updates from said BiB. Apparently they had tried to spend £250k in 1 week.
This restored my faith in the systems the banks have in place
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E31Shrew
4,918 posts
62 months
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Jasandjules said: E31Shrew said: Had over £6000 pinched a couple of years ago. The woman bought airline tickets, furniture, ferry tickets as well as various other items.Police had zero interest, That's really quite a shame, surely with airline/ferry tickets it isn't exactly going to be hard to arrest the person? If nothing gets done, little wonder people continue to do this. I managed to find out the name of the person and where she lived. Nigerian woman based in Dublin. She ordered the furniture and gave an empty house for the address. She then called the company on the arranged day of delivery and waited on the pavement for the van to arrive. Helped unload, signed the docs and then got her chums to take it to her real address. She did the same for a load of clothing. It did boil my piss, but the powers that be had absolutely no interest.
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oldsoak
5,587 posts
72 months
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Turbofocus said: I spoke to the insurance comopany and said give me the car registration and make and model. Them,sorry sir data protection we can not give you that information. Me,I have paid to insure that car though according to you. Them,Sorry sir data protection.We can give that information to the bank or the police though. Then you go to your local nick...tell them the story and advise them that the insurance company have all the details of the vehicle...and/or demand the insurance company involve the police if for no other reason than to prevent an uninsured vehicle being allowed on the roads I understand your main concern is getting your money back, although I feel if enough people who find themselves in a similar position to yourself, actually pressed the powers that be to get off their asses and do something about it they would be forced to do something. Data protection is IMO often quoted as a reason to get out of doing something that would be too much trouble to do.
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Decky_Q
788 posts
47 months
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Especially as according to another thread here it seems that the data protection act is totally toothless when someone does breach it, so it can only work against the people who try to play be the rules!
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supermono
6,246 posts
118 months
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I wonder if anyone's calculated the misery caused by this type of crime compared with the time I was drifting along the A11 harmlessly failing to display the right number on the speedo.
They seemed highly interested in that.
SM
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Turbofocus
Original Poster
313 posts
27 months
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oldsoak said: Then you go to your local nick...tell them the story and advise them that the insurance company have all the details of the vehicle...and/or demand the insurance company involve the police if for no other reason than to prevent an uninsured vehicle being allowed on the roads
I understand your main concern is getting your money back, although I feel if enough people who find themselves in a similar position to yourself, actually pressed the powers that be to get off their asses and do something about it they would be forced to do something.
Data protection is IMO often quoted as a reason to get out of doing something that would be too much trouble to do. I informed them the last time my card was cloned and heard...............nothing back.
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oldsoak
5,587 posts
72 months
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Turbofocus said: I informed them the last time my card was cloned and heard...............nothing back. Was it used to insure a car that time too? ETA...you don't seem to have much luck with credit cards do you?
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