Credit card fraud

[RaeB]

Got a letter addressed to my home this morning, but with a different name on, so I opened it as there has never been anyone at this address of that name (new build house). It's from a shop who are checking with the cardholder when an order is made, but the billing address and delivery address differ. It's for a £130 pair of Gucci sunglasses which neither myself or the other half have ordered.

The good news is that the mobile number given for Ashanti or Toppie (who are currently in Purfleet waiting for their Gucci sunglasses to arrive) is real and is being answered. So I have their address, phone number and e-mail account.

So a big thanks to sunglasses-shop.co.uk for being proactive and stopping card fraud. They've confirmed that they will not debit the £130 from the card. The bank will do nothing because it's attempted fraud, rather than actual.

I have a few hours to spare today, how best can I use the information that I have?

[scruffy]

Your honour, i refer to thed post on PH - the defendant clearly states intent to...

Nothing, not now, I'm afraid...

[dougc]

Forgive the silly question but how do you know its fraudulent?

[john_r]

RaeB said:

So I have their address, phone number and e-mail account.

RaeB said:

I have a few hours to spare today, how best can I use the information that I have?

Sing them up for every free dodgy magazine/subscription you can find on the internet! Ideas: Gay, Church, Ann Summers, 'call me' buttons (set times for every half hour or so?), BNP, etc etc.

[RaeB]

Is it not fraud if they've used my card details to order goods?

[dougc]

RaeB said:

Is it not fraud if they've used my card details to order goods?

Sorry - didn't get that info from the post.

[walm]

How far are you from Purfleet?

[ali_kat]

Police might find the info of interest.....

Fraud dept of CC should take note in case of other stuff happening on your card....

[Iain H]

You could pass their information to the BiB or arrange to have them shot!! Thieving scum!

[RaeB]

I'm on the south coast, so too much of a drive to go up there. Plus it would cost more than £130 in fuel! I'll see if the police are interested as the bank weren't.

[ali_kat]

anonymous said:

[redacted]

Did i forget the sarcasm smilies again

[SpeedIsProgress]

dougc said:

Forgive the silly question but how do you know its fraudulent?

It's card not present fraud (i.e. the card was not present at the time of the transaction as it was over the web) and had been picked up by the card issuers / payment processors AVS (Address Verification Service). This compares the address registered on the card against the details provided by the person making the payment. Since they didn't match the retailer has raised a question with the card holder... so in this case it would seem to be fraudulent!

RaeB said:

I have a few hours to spare today, how best can I use the information that I have?

I would speak to the card issuer and cancel that card encase they try this scam anywhere else. Also report it to the police. You will probably find that the people responsible don’t actually live at that address, but are using it for the purpose of this scam, the mobile is probably pay as you go and not registered to them. The police almost certainly won’t catch them, but if they do its another filthy criminal off the streets, so worth the report in my opinion.

FYI: It is the retailer who has to stomach the loss if this transaction did go through however since when you noticed this the card issuer would have made a chargeback to the retailer as it was them that completed the transaction. At no point would you have been out of pocket, (although you may find it affects your credit rating if they are not on the ball – or you may not manage to make a purchace since your card is maxed out for example)

Nice to see the system works to stop these fraudsters occasionally.

[SpeedIsProgress]

anonymous said:

[redacted]

Unless you are sending someone flowers or similar, Yeah --- I would be inclined to agree.

[Scott328i]

Im in purfleet now. Where abouts?

[RaeB]

From Cardwatch website...

New rules for reporting card, cheque and online banking fraud

From the 1 April 2007, new procedures came into effect in England, Wales and Northern Ireland which mean that banks and financial institutions become the first point of contact for cheque, plastic card and online fraud offences. In most cases consumers will be required to report instances of this type of fraud straight to their bank or building society and not to the police. It will be up to the financial institution involved, and not the account holder, to pass details of the relevant crime on to the police.

This change in the way fraud is reported has come about after the introduction of the Fraud Act 2006 and follows discussions between the Home Office, Association of Chief Police Officers (ACPO) and the financial sector. The aim is to reduce the level of bureaucracy involved in fraud recording and to streamline the reporting, recording and investigation of such frauds.

[Scott328i]

where in purfleet - I am here now.

[RaeB]

The address was in Oakhill Road, but as someone has said before, this is probably not where they live.

[cj_eds]

SpeedIsProgress said:

anonymous said:

[redacted]

Unless you are sending someone flowers or similar, Yeah --- I would be inclined to agree.

And because most people register they're credit cards to their home address, but are at work when deliveries typically get delivered.

Solution would be for credit card companies to maintain associated delivery addresses and billing addresses.

[Scott328i]

oooh a 2 minute walk...