Mike Brewer Scammed
Discussion
I saw Mikes video last week. Whilst he says he followed all the correct procedures I bet he only got a photo of the drivers licence but not the person - when I have had to do this for an authentication process I've been asked to hold the ID photo next to my face so the organisation can check that I am the person who matches the ID.
Edit - Mikes video https://www.youtube.com/watch?v=5vYNvooM0kY
Edit - Mikes video https://www.youtube.com/watch?v=5vYNvooM0kY
Unusual that the transaction didn't trigger some kind of validation with the genuine card holder.
What is to stop someone buying a car with their own card then saying to the bank "it wasn't me guv" ?
Most odd that the bloke would call back re a dash light. If he was a scammer, and had already had it away with a car, that simply wouldn't happen.
There's something not quite right about this......
What is to stop someone buying a car with their own card then saying to the bank "it wasn't me guv" ?
Most odd that the bloke would call back re a dash light. If he was a scammer, and had already had it away with a car, that simply wouldn't happen.
There's something not quite right about this......
OddCat said:
Unusual that the transaction didn't trigger some kind of validation with the genuine card holder.
What is to stop someone buying a car with their own card then saying to the bank "it wasn't me guv" ?
Most odd that the bloke would call back re a dash light. If he was a scammer, and had already had it away with a car, that simply wouldn't happen.
There's something not quite right about this......
I would agree - whenever I have carried out a large transaction using my card- my bank will want to verify the payment, usually within the banking app. I know this happened when I paid a £500 deposit for a car and then again when I taxed it on the government web site.What is to stop someone buying a car with their own card then saying to the bank "it wasn't me guv" ?
Most odd that the bloke would call back re a dash light. If he was a scammer, and had already had it away with a car, that simply wouldn't happen.
There's something not quite right about this......
Boringvolvodriver said:
OddCat said:
Unusual that the transaction didn't trigger some kind of validation with the genuine card holder.
What is to stop someone buying a car with their own card then saying to the bank "it wasn't me guv" ?
Most odd that the bloke would call back re a dash light. If he was a scammer, and had already had it away with a car, that simply wouldn't happen.
There's something not quite right about this......
I would agree - whenever I have carried out a large transaction using my card- my bank will want to verify the payment, usually within the banking app. I know this happened when I paid a £500 deposit for a car and then again when I taxed it on the government web site.What is to stop someone buying a car with their own card then saying to the bank "it wasn't me guv" ?
Most odd that the bloke would call back re a dash light. If he was a scammer, and had already had it away with a car, that simply wouldn't happen.
There's something not quite right about this......
Then they make me use banking app authentication to pay for a £1.30 parking ticket in a local council car park. Useless muppets.
It seems from the vid that Barclays don't have any way of doing MFA on a remote terminal transaction. This makes sense, a lot of remote terminals don't have the ability to prompt a user to do the mfa, and even if they would, how do you offer the user the ability to choose app or SMS when they're not looking at the device?
If the scammer has intercepted both the card and license of the account holder, it's feasible they have redirected alerts away from the user too (ie changed their phone number). That said, I'm curious what the contract for fraudulent terminal use says, I'd kinda assume they're stuck because they didn't hand / deliver the goods to the account holder or to their address
If the scammer has intercepted both the card and license of the account holder, it's feasible they have redirected alerts away from the user too (ie changed their phone number). That said, I'm curious what the contract for fraudulent terminal use says, I'd kinda assume they're stuck because they didn't hand / deliver the goods to the account holder or to their address
spookly said:
I paid £40k in a BMW dealership on a debit card. All went through with no further authentication after normal chip'n'pin.
Then they make me use banking app authentication to pay for a £1.30 parking ticket in a local council car park. Useless muppets.
With chip and pin, it means you are there in person so no checks required. Then they make me use banking app authentication to pay for a £1.30 parking ticket in a local council car park. Useless muppets.
OddCat said:
Unusual that the transaction didn't trigger some kind of validation with the genuine card holder.
I've bought loads of cars on a card and never once had the transaction validated. In fact the only time I've been asked to validate anything is by scammers trying to get my details
What is to stop someone buying a car with their own card then saying to the bank "it wasn't me guv" ?
Presumably because they'd own a car which is a bit of a giveaway
Most odd that the bloke would call back re a dash light. If he was a scammer, and had already had it away with a car, that simply wouldn't happen.
Perhaps he wanted to check if his scam had been discovered yet so he could try another one
There's something not quite right about this......
I've bought loads of cars on a card and never once had the transaction validated. In fact the only time I've been asked to validate anything is by scammers trying to get my details
What is to stop someone buying a car with their own card then saying to the bank "it wasn't me guv" ?
Presumably because they'd own a car which is a bit of a giveaway
Most odd that the bloke would call back re a dash light. If he was a scammer, and had already had it away with a car, that simply wouldn't happen.
Perhaps he wanted to check if his scam had been discovered yet so he could try another one
There's something not quite right about this......
It does not make sense to me?
If the card said Gary Knight on it and it was stolen and the bank were informed so they refunded the money to Gary Knight, then Gary Knight was the victime who was scammed so how is Gary Knight a fraudster in anyway.
How can there be a ring of £100,000 cars stolen in the one name of Gary Knight? Gary Knight must exist for the money to be refunded to him.
The banks cannot possibly keep allowing refunds to a Gary Knight to the tune of £100,000 without some sort of concern.
It does not make sense to me!
If the card said Gary Knight on it and it was stolen and the bank were informed so they refunded the money to Gary Knight, then Gary Knight was the victime who was scammed so how is Gary Knight a fraudster in anyway.
How can there be a ring of £100,000 cars stolen in the one name of Gary Knight? Gary Knight must exist for the money to be refunded to him.
The banks cannot possibly keep allowing refunds to a Gary Knight to the tune of £100,000 without some sort of concern.
It does not make sense to me!
It didn't occur to Mike to query why the buyer wanted to give him 2 payments of 5,250 instead of one transaction of 10,500?
We're in a different market (USA) but we do multiple distance transactions every week, often for six figure sums. We have certain rules - max $5k on a card, DL scanned in by customer using a link that we send them which confirms that the DL is genuine, valid and also checks it against federal databases. We also require a valid, current insurance card. We do not allow the customer to arrange their own transportation, we arrange everything through our broker. Cash balances must be by wire or certified check which we clear on receipt before releasing the car.
Obviously Mike is just a small dealer but there are plenty of sensible precautions you can take.
We're in a different market (USA) but we do multiple distance transactions every week, often for six figure sums. We have certain rules - max $5k on a card, DL scanned in by customer using a link that we send them which confirms that the DL is genuine, valid and also checks it against federal databases. We also require a valid, current insurance card. We do not allow the customer to arrange their own transportation, we arrange everything through our broker. Cash balances must be by wire or certified check which we clear on receipt before releasing the car.
Obviously Mike is just a small dealer but there are plenty of sensible precautions you can take.
I didn't watch it all. But is it mentioned via which method the payment was made?
Banks have various rules, limits and flags in place on how high they set their limits on certain things. it's why buying something via chip & pin tends to be safer than just contactless. Banks have safeguards in place to look into these things. If the bank failed to protect the victim adequately they can get the money bank.
Unfortunately for him, as a dealer, he doesn't seem to have any regulation or protection for his business, which is a shame.
Banks have various rules, limits and flags in place on how high they set their limits on certain things. it's why buying something via chip & pin tends to be safer than just contactless. Banks have safeguards in place to look into these things. If the bank failed to protect the victim adequately they can get the money bank.
Unfortunately for him, as a dealer, he doesn't seem to have any regulation or protection for his business, which is a shame.
johnoz said:
spookly said:
I paid £40k in a BMW dealership on a debit card. All went through with no further authentication after normal chip'n'pin.
Then they make me use banking app authentication to pay for a £1.30 parking ticket in a local council car park. Useless muppets.
With chip and pin, it means you are there in person so no checks required. Then they make me use banking app authentication to pay for a £1.30 parking ticket in a local council car park. Useless muppets.
I paid for a car a few years back with debit card. There was a limit to the dealers payment terminal that couldn't take more than £75k in one payment (a bit odd considering the type of cars they sold) and hence I paid 2 x £45k.
Natwest let the first payment go through (chip + pin) without any authorisation - but the second one was blocked until I confirmed it was me paying. I was actually a little upset that they were happy to let the first one go without checking.
I have very little sympathy for him - it's a big payment to get on a card without ever seeing the customer. And to trust the customer's courier to pick it up too... it's inviting fraud.
When we do card payments at work, it's a golden rule that the address must match the card, and we can only dispatch goods to the card address.
He'd have been much safer with a BACS transfer, while these can be frauded, they are much harder to do so. And you can check the name on the sending account matches up too.
When we do card payments at work, it's a golden rule that the address must match the card, and we can only dispatch goods to the card address.
He'd have been much safer with a BACS transfer, while these can be frauded, they are much harder to do so. And you can check the name on the sending account matches up too.
I have recently bought 2 cars of around £7k each on my card. I had no notification to make sure it was me. One of the dealers said to me " will most likely not get asked to prove its you as the banks are used to that level of payment to this account". Whether this is true or not I have no idea, just know I didn't get asked for proof.
ARHarh said:
I have recently bought 2 cars of around £7k each on my card. I had no notification to make sure it was me. One of the dealers said to me " will most likely not get asked to prove its you as the banks are used to that level of payment to this account". Whether this is true or not I have no idea, just know I didn't get asked for proof.
But you were present at the dealership and entered a PIN ?Gassing Station | Speed, Plod & the Law | Top of Page | What's New | My Stuff