Credit/debit card fraud
Discussion
I got a call from my bank today advising me that there had been some activity on my debit card in Germany in the past couple of days, and could I verify that it was me. I explained to them that I have not been to Germany and that the purchases, to the tune of 1200 euros were not down to me. I am so 
angry 
that I feel I have to rant 
. Now I know that card cloning happens all the time but I am so angry that people think that they have the right to do this to other people. Now I have had to cut up my card, fill out forms to make the claim that it was not me in Germany making the purchases, then, because these purchases have taken me over my agreed overdraught, try to claim back the bank charges 
angry that I feel I have to rant . Now I know that card cloning happens all the time but I am so angry that people think that they have the right to do this to other people. Now I have had to cut up my card, fill out forms to make the claim that it was not me in Germany making the purchases, then, because these purchases have taken me over my agreed overdraught, try to claim back the bank charges vallejo said:
I got a call from my bank today advising me that there had been some activity on my debit card in Germany in the past couple of days, and could I verify that it was me. I explained to them that I have not been to Germany and that the purchases, to the tune of 1200 euros were not down to me. I am so angry that I feel I have to rant . Now I know that card cloning happens all the time but I am so angry that people think that they have the right to do this to other people. Now I have had to cut up my card, fill out forms to make the claim that it was not me in Germany making the purchases, then, because these purchases have taken me over my agreed overdraught, try to claim back the bank charges
angry that I feel I have to rant . Now I know that card cloning happens all the time but I am so angry that people think that they have the right to do this to other people. Now I have had to cut up my card, fill out forms to make the claim that it was not me in Germany making the purchases, then, because these purchases have taken me over my agreed overdraught, try to claim back the bank charges Exactly the same happened to me in February. Due to general incompetence and buck-passing I'm still waiting for the money to be refunded.
Mrs Ted's card was cloned at the same time and that took 8 weeks of chasing by her to get the money back.
To this day we've no idea how they did it as we'd not used our cards in the same shops nor online.
I had this happen to me a couple of months ago. The bank were fantastic. I reported it to them and the police and was told to destroy my cards (new ones arrived within a few days). I had to fill in some forms and within about a week of the original report, I had a full refund (c.£700) sitting in my account.
It's worth remembering that in technical terms, the bank's in the 'wrong' for allowing money out of your account without being mandated by you to do so. Therefore, provided there's no element of collusion/stupidity on the part of the defrauded party, they should pay up (and fairly quickly too, if you ask me).
It reminds me to find out if they've caught the scrotbag that stained my bank statements with purchases from Argos and O2 Prepay (I'm guessing the answer will be no, however)...
It's worth remembering that in technical terms, the bank's in the 'wrong' for allowing money out of your account without being mandated by you to do so. Therefore, provided there's no element of collusion/stupidity on the part of the defrauded party, they should pay up (and fairly quickly too, if you ask me).
It reminds me to find out if they've caught the scrotbag that stained my bank statements with purchases from Argos and O2 Prepay (I'm guessing the answer will be no, however)...
Mastercard in the US reported some sort of "compromise" in April to a load of UK card operators. 4-5,000 customers affected by this at the card comapny I use alone! My account had a balance transfer of £8,500 while I was out of the country - fraud department were able to tell me that there was no way the person that rang in was me, but obviously they got through security.
Such a lot of hassle for me, but think about how busy these card companies are coping with these.....
Such a lot of hassle for me, but think about how busy these card companies are coping with these.....
These things happen - its the world we live in.
You bank WILL NOT expect you to bear the cost of going overdrawn beacuse of it.
I used a brand new charge card only once to pay a bill in a restaurant and then went abroad.
Came back on a Sunday night to Natwest calling me at 8pm asking about 20ish transcations for around £50 each in and around Hornsey.
You bank WILL NOT expect you to bear the cost of going overdrawn beacuse of it.
I used a brand new charge card only once to pay a bill in a restaurant and then went abroad.
Came back on a Sunday night to Natwest calling me at 8pm asking about 20ish transcations for around £50 each in and around Hornsey.
I find it remarkable that Chip & Pin has almost disappeared at fuel stations. I had a call a couple of months ago from Capital One. Someone had been using my card to make multiple purchases from an online numbered sock retailer.
Capital One sent me a new card and did not post the purchases against my account. Supposedly they were sending me a list of transactions to check through, but it was never forthcoming.
Capital One sent me a new card and did not post the purchases against my account. Supposedly they were sending me a list of transactions to check through, but it was never forthcoming.
rich1231 said:
Card reader machines, that you slide your card into, and enter your pin in are being compromised left right and centre....
Rich, are you saying that chip and pin is not the security panacea we were promised? Surely, as I never give my pin out to anyone, this is much safer than some silly old signature? I'm amazed. well, well who'd have thought it etc......
Got a phone call from my bank two days before going on the last EuroHoon and they asked "Mr H, did you make these purchases from two days ago?"...I'm ummed and ahhhed, checked my receipts (I'd spent alot that month) and said no, it wasn't me
Thanks they said, your card has been cloned and fradulently used. We will cancel your card immediately and send you a new one. It was a bit of a pain because I was intending to use the Visa all through Europe for fuel but overcame that problem.
Bank really were great. Basically, I had to do nothing and they sent me a new card.
Thanks they said, your card has been cloned and fradulently used. We will cancel your card immediately and send you a new one. It was a bit of a pain because I was intending to use the Visa all through Europe for fuel but overcame that problem.
Bank really were great. Basically, I had to do nothing and they sent me a new card.
It's easy to bribe minimum wage slaves behind the counter or in processing centres in India or some other dodgy country.
Also a lot of meth addicts find it an easy source of income, at least in the US, not sure about the UK
The drugs and the crime fit neatly together; addicts strung out on meth can stay awake and focused for days at a time, making them expert hackers and mailbox thieves. And ID theft is easy money, the perfect income for drug addicts who have no other way to fund their habit.
www.msnbc.msn.com/id/4460349/
Also a lot of meth addicts find it an easy source of income, at least in the US, not sure about the UK
msnbc said:
The drugs and the crime fit neatly together; addicts strung out on meth can stay awake and focused for days at a time, making them expert hackers and mailbox thieves. And ID theft is easy money, the perfect income for drug addicts who have no other way to fund their habit.
www.msnbc.msn.com/id/4460349/
r988 said:
It's easy to bribe minimum wage slaves behind the counter or in processing centres in India or some other dodgy country.
Also a lot of meth addicts find it an easy source of income, at least in the US, not sure about the UK
The drugs and the crime fit neatly together; addicts strung out on meth can stay awake and focused for days at a time, making them expert hackers and mailbox thieves. And ID theft is easy money, the perfect income for drug addicts who have no other way to fund their habit.
www.msnbc.msn.com/id/4460349/
Also a lot of meth addicts find it an easy source of income, at least in the US, not sure about the UK
msnbc said:
The drugs and the crime fit neatly together; addicts strung out on meth can stay awake and focused for days at a time, making them expert hackers and mailbox thieves. And ID theft is easy money, the perfect income for drug addicts who have no other way to fund their habit.
www.msnbc.msn.com/id/4460349/
Now that's scary!
ledger said:
Zod said:
I had £18k taken in April from my debit card. It got it all back from the bank.
why would you have £18k in a current account ? (or do you have a massive overdraft ?)
Happened to me last year, bank called to ask about 2 suspect transactions through Ebay. Total about $1100.
They gave me the name of the recipient of the money as I had to make a statement that I didn't know them (middle eastern sounding name) They also told me that there was no-one by that name in Australia. The bank refunded the money to our account, never did find out whether they caught the crook...
They gave me the name of the recipient of the money as I had to make a statement that I didn't know them (middle eastern sounding name) They also told me that there was no-one by that name in Australia. The bank refunded the money to our account, never did find out whether they caught the crook...
If that wasn't bad enough, his brother has just found out he has only a few months to live. My fiancee just had to cut up her card as a couple of payments for O2 prepay vouchers had been made on it.
Only place the card had been used that wasn't a chip&pin was our local Pizza place (big chain owned by Jabba). now with the bank's fraud department and witing on a refund. Not much money but bloody annoying to deal with.
Only place the card had been used that wasn't a chip&pin was our local Pizza place (big chain owned by Jabba). now with the bank's fraud department and witing on a refund. Not much money but bloody annoying to deal with.
It doesn't help when companies use bloody stupid names for their merchant IDs.
I rang up Lloyds TSB to query a debit on my bank statement (and was annoyed to find that I was put through to an Indian Call Centre, but that's a separate rant) to find out who the hell "AESEL RECEIVABLES" were and why they'd recently debited £200-odd. After finally spelling out what I wanted in words of one syllable to the div in the Call Centre it finally became clear that this was American Express.
Would have saved a lot of hassle of the Merchant ID had been "American Express" or "AMEX".
I rang up Lloyds TSB to query a debit on my bank statement (and was annoyed to find that I was put through to an Indian Call Centre, but that's a separate rant) to find out who the hell "AESEL RECEIVABLES" were and why they'd recently debited £200-odd. After finally spelling out what I wanted in words of one syllable to the div in the Call Centre it finally became clear that this was American Express.
Would have saved a lot of hassle of the Merchant ID had been "American Express" or "AMEX".
Edited by JonRB on Wednesday 7th June 15:55
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