Credit Card Fraud
Discussion
FiF said:
Seconded, but you are wasting your time there Red Devil.
I'm a gentleman of leisure. I no longer have to punch someone else's clock.I can go to bed and rise whenever I like and use my time in whatever way I choose.
Best of all, no more rat race and sitting in traffic jams
OddCat said:
You boys are going to hate it when Bad Company comes back on here to confirm that the email was genuinely from Lloyds.........
It won't faze me at all. 
From the start the essential point was to be extremely cautious and not blindly accept it as kosher.
No matter how convincing it appears to be.
This morning I had an email from Barclays about being wary of fraud: "please click on this link to find out more"
I believe it was a genuine email but it's just the irony of it.
I kept my tinfoil hat on and proceeded to go to their website to find out more information rather than click on the link.
I believe it was a genuine email but it's just the irony of it.
I kept my tinfoil hat on and proceeded to go to their website to find out more information rather than click on the link.
Red Devil said:
FiF said:
Seconded, but you are wasting your time there Red Devil.
I'm a gentleman of leisure. I no longer have to punch someone else's clock.I can go to bed and rise whenever I like and use my time in whatever way I choose.
Best of all, no more rat race and sitting in traffic jams
Red Devil said:
OddCat said:
You boys are going to hate it when Bad Company comes back on here to confirm that the email was genuinely from Lloyds.........
It won't faze me at all. From the start the essential point was to be extremely cautious and not blindly accept it as kosher.
No matter how convincing it appears to be.
Either way Lloyds have some serious explaining to do.
I'm sure you are aware of this, but for those who aren't, just a very small selection of their advice to customers.
"If in doubt, phone the company on a trusted number or visit their website by typing their web address directly into the address bar. Don't click on a link or copy and paste from the email itself. "
Or
"We always greet you by title and surname, as in ”Dear Mrs Smith”. We always include part of your main account number, or part of your postcode if you don't yet have an account number."
"We never ask you to confirm personal or financial information in an email."
"Our email addresses always end with lloydsbank.co.uk. All genuine emails come from lloydsbank.co.uk."
" There should never be another word in between lloydsbanking and .co.uk. (for example name@mail.lloydsbank.co.uk is correct but name@lloydsbank.mail.co.uk is wrong). If you share a suspicious email with our email scams mailbox, the automatic reply will come from lloydsbanking.com."
Either way, if it's genuine, the person responsible needs an interview without chairs or coffee, and if it's not genuine then perhaps Lloyds need to be informed about posters claiming to be employee(s) on a public website openly saying they don't stick to their declared communication promises, and not to worry about it, plus haven't actively promoted the bank's own advice. Unless they aren't who they claim to be, in which case Lloyds still need to be informed.
Edited by FiF on Thursday 23 November 08:09
FiF said:
"We always greet you by title and surname, as in ”Dear Mrs Smith”. We always include part of your main account number, or part of your postcode if you don't yet have an account number."
"We never ask you to confirm personal or financial information in an email."
"Our email addresses always end with lloydsbank.co.uk. All genuine emails come from lloydsbank.co.uk."
" There should never be another word in between lloydsbanking and .co.uk. (for example name@mail.lloydsbank.co.uk is correct but name@lloydsbank.mail.co.uk is wrong). If you share a suspicious email with our email scams mailbox, the automatic reply will come from lloydsbanking.com."
Well the original email to the OP (which has been edited to remove the name of the kid who sent it ?) was clearly from someone who didn't know the mane of the client. Hence Good Morning. "We never ask you to confirm personal or financial information in an email."
"Our email addresses always end with lloydsbank.co.uk. All genuine emails come from lloydsbank.co.uk."
" There should never be another word in between lloydsbanking and .co.uk. (for example name@mail.lloydsbank.co.uk is correct but name@lloydsbank.mail.co.uk is wrong). If you share a suspicious email with our email scams mailbox, the automatic reply will come from lloydsbanking.com."
Likely to be that the kid simply had a message (or whatever) that a fraud had been reported by a client but hadn't been given anything other than the email address. So he went freelance with his email to try to ask for as little as possible but that would allow him to identify the client. His alternative being to bin the whole thing and do nothing..........
FiF said:
Either way, if it's genuine, the person responsible needs an interview without chairs or coffee, and if it's not genuine then perhaps Lloyds need to be informed about posters claiming to be employee(s) on a public website openly saying they don't stick to their declared communication promises, and not to worry about it, plus haven't actively promoted the bank's own advice. Unless they aren't who they claim to be, in which case Lloyds still need to be informed.
Except that isn't what I'm saying at all. The email is asking for information in order to be able to locate the account and deal with the query. As the sender has no account information to go on, it's not going to be possible to use the customer's title, surname and last 4 digits of the account number.As I've previously stated, I know that the email is genuine so the OP shouldn't be worried about it being fraudulent (in this instance). That doesn't mean I'm not in agreement with the bank's own advice, it's just not relevant in this case as the email is indeed genuine.
UPDATE - but not much of one I’m afraid.
I had a conversation with the manager dealing with my complaint at Lloyds. He didn’t know if the email was a scam or not. The email header looks right but he didn’t understand why anybody at the bank would send an email like that without the account holders name.
I’m going to leave the message unanswered but if any PH person would like me to add their name, postcode and last digits of their bank card I will reply with that info.
I had a conversation with the manager dealing with my complaint at Lloyds. He didn’t know if the email was a scam or not. The email header looks right but he didn’t understand why anybody at the bank would send an email like that without the account holders name.
I’m going to leave the message unanswered but if any PH person would like me to add their name, postcode and last digits of their bank card I will reply with that info.
Ok I’ll bite....
To the people claiming, against the advice on every financial organisation web sites known to man, that this email is genuine, you should do yourself a favour and use your computers a lot less. I’d recommend not at all but at a minimum you shouldn’t have an email account or access one. I fear one day you’ll open your internet banking and find you have no money in it....
To the person claiming it’s geniune who actually works for a bank, you sir need a new job. I’d try something that doesn’t involve dealing with other people’s money. Just for s
ts and giggles, go tell you immediate supervisor that based on the op’s recent fraud, you have advised them that a generic email with no customer details on it and asking for personal details is geniune and see how that works out for you.
I often wondered how the hit rates on these emails were worth all the effort scammers go to, but reading this thread has answered that for me.
To the people claiming, against the advice on every financial organisation web sites known to man, that this email is genuine, you should do yourself a favour and use your computers a lot less. I’d recommend not at all but at a minimum you shouldn’t have an email account or access one. I fear one day you’ll open your internet banking and find you have no money in it....
To the person claiming it’s geniune who actually works for a bank, you sir need a new job. I’d try something that doesn’t involve dealing with other people’s money. Just for s
ts and giggles, go tell you immediate supervisor that based on the op’s recent fraud, you have advised them that a generic email with no customer details on it and asking for personal details is geniune and see how that works out for you.I often wondered how the hit rates on these emails were worth all the effort scammers go to, but reading this thread has answered that for me.
Edited by MonTheF1sh on Friday 24th November 18:28
MonTheF1sh said:
Ok I’ll bite....
To the people claiming, against the advice on every financial organisation web sites known to man, that this email is genuine, you should do yourself a favour and use your computers a lot less. I’d recommend not at all but at a minimum you shouldn’t have an email account or access one. I fear one day you’ll open your internet banking and find you have no money in it....
To the person claiming it’s geniune who actually works for a bank, you sir need a new job. I’d try something that doesn’t involve dealing with other people’s money. Just for sts and giggles, go tell you immediate supervisor that based on the op’s recent fraud, you have advised them that a generic email with no customer details on it and asking for personal details is geniune and see how that works out for you.
I often wondered how the hit rates on these emails were worth all the effort scammers go to, but reading this thread has answered that for me.
It's amazing and worrying in equal quantities. Relative to your last sentence, it even crossed my mind that if a scammer saw one of their scams being questioned on a popular website whether they might log on to say, yeah I work for the bank it's totally kosher mate, don't worry.To the people claiming, against the advice on every financial organisation web sites known to man, that this email is genuine, you should do yourself a favour and use your computers a lot less. I’d recommend not at all but at a minimum you shouldn’t have an email account or access one. I fear one day you’ll open your internet banking and find you have no money in it....
To the person claiming it’s geniune who actually works for a bank, you sir need a new job. I’d try something that doesn’t involve dealing with other people’s money. Just for s
ts and giggles, go tell you immediate supervisor that based on the op’s recent fraud, you have advised them that a generic email with no customer details on it and asking for personal details is geniune and see how that works out for you.I often wondered how the hit rates on these emails were worth all the effort scammers go to, but reading this thread has answered that for me.
Edited by MonTheF1sh on Friday 24th November 18:28
Also noticed one of the suspects has deleted a post since I looked early this morning.
bad company, maybe you can suggest that your complaint manager emails the disputes team or the name of the sender directly to confirm what this is in relation to?
FiF said:
Also noticed one of the suspects has deleted a post since I looked early this morning.
No, the post was deleted by a moderator for the same reason that one of Red Devil's posts were removed.Edited by bugmenot on Friday 24th November 19:55
Yes, received my first email ever from PH telling me my post had been deleted ! Because I mentioned the name of the sender of the original Lloyds email. Odd behaviour really if the name is a made up scan name...
Anyway, people on here seem to be mixing up two things:
1. Whether this specific email was genuine
2. General guidance for dealing with unexpected emails
These are different things. I have made comment on this specific email - and why I believe it to be genuine (which it is).
I have no comment to make on what people should do as a general rule. Thats up to them.
Anyway, people on here seem to be mixing up two things:
1. Whether this specific email was genuine
2. General guidance for dealing with unexpected emails
These are different things. I have made comment on this specific email - and why I believe it to be genuine (which it is).
I have no comment to make on what people should do as a general rule. Thats up to them.
OddCat said:
Yes, received my first email ever from PH telling me my post had been deleted !
Snap!OddCat said:
Because I mentioned the name of the sender of the original Lloyds email.
Did the e-mail spell it out or just leave you guessing? Mine didn't and the PH team have yet to respond to my query.OddCat said:
Odd behaviour really if the name is a made up scan name...
Not only odd but inconsistent/OTT because they merely edited out that name in the OP.Yet they didn't see fit to excise only the offending section in my post (or yours). Double standards or what?
OddCat said:
Anyway, people on here seem to be mixing up two things:
1. Whether this specific email was genuine
2. General guidance for dealing with unexpected emails
These are different things.
Semantics. They are intimately connected. Unexpected e-mails, especially of this type, are almost always bogus.1. Whether this specific email was genuine
2. General guidance for dealing with unexpected emails
These are different things.
It is good practice never to click on an embedded link in, nor open an attachment to, an unexpected e-mail.
Before I changed my e-mail addy I used to get loads of them purportedly from Amazon about a delivery.
Despite never having bought anything from them in my entire life!
OddCat said:
I have made comment on this specific email - and why I believe it to be genuine (which it is).
On what do you base your belief?You can't then go on to claim it is genuine if that belief is all you have with no supporting evidence.
Have you received the same e-mail and had it officially confirmed in writing by Lloyds that it originated from them?
I think some posters haven't taken notice of what the OP wrote.
bad company said:
For the third time in my life I’ve been a victim of fraud. A few weeks ago I checked my Lloyds Avios credit card statement and saw several transactions I didn’t recognise, all priced in US$. No problem, Lloyds refunded the money
This morning I received the email below which looks like the scammers know who’s accounts they compromised and want another go:-
Good Morning
I regret I am unable to locate your account with the information you provided.
Could you please resubmit your email, providing your full surname, post code and the last 4 digits of your account number.
This morning I received the email below which looks like the scammers know who’s accounts they compromised and want another go:-
Good Morning
I regret I am unable to locate your account with the information you provided.
Could you please resubmit your email, providing your full surname, post code and the last 4 digits of your account number.
bad company said:
Just to clarify, I have been in contact with my bank regarding disputed credit card payments but by telephone, I never sent them an email.
bad company said:
I didn’t send an email to Lloyds and the email account this arrived at is not the one I use for banking. Also on checking Lloyds website they always name their customer in genuine emails so it would be addressed Dear Mr Bad Company.
Given the OP has already been in contact and they have refunded him, I find it very hard to believe Lloyds don't know who he is and what his account details are.I still say that e-mail is either as dodgy as £2 note or, if it is genuine, the author is not complying with the bank's stated policy on communications.
If so, then it should be a matter of concern for its account holders.
Red Devil said:
Given the OP has already been in contact and they have refunded him, I find it very hard to believe Lloyds don't know who he is and what his account details are.
I still say that e-mail is either as dodgy as £2 note or, if it is genuine, the author is not complying with the bank's stated policy on communications.
If so, then it should be a matter of concern for its account holders.
I’m inclined to agree with you. As you say Lloyds have refunded the money taken fraudulently and ALL of my contact with them has been over the telephone. I haven’t sent them any emails and the only one received was the subject of this thread.I still say that e-mail is either as dodgy as £2 note or, if it is genuine, the author is not complying with the bank's stated policy on communications.
If so, then it should be a matter of concern for its account holders.
bad company said:
Did anybody find out why Red Devil and Oddcat’s posts were deleted?
All mine said was "maybe you could ask the Manager to contact xxxxxxxxx in the xxxxxxxxx department and ask him" (i used the name if the Lloyds kid and the dept. Ame as per your original email). Just that one line. The email i got fronm PH said: 
I don't appear to have been banned though. Which is nice. Must be because I used the kids name. Has also been deleted from Bad Companies original post (although not the whole post).
OddCat said:
All mine said was "maybe you could ask the Manager to contact xxxxxxxxx in the xxxxxxxxx department and ask him" (i used the name if the Lloyds kid and the dept. Ame as per your original email). Just that one line. The email i got fronm PH said:
I don't appear to have been banned though. Which is nice. Must be because I used the kids name. Has also been deleted from Bad Companies original post (although not the whole post).
Got it. Yes they have removed the name of manager at Lloyds who apparently sent me the email. It may have been good if a moderator had posted something on the thread to explain why this had happened.I don't appear to have been banned though. Which is nice. Must be because I used the kids name. Has also been deleted from Bad Companies original post (although not the whole post).
OddCat said:
I don't appear to have been banned though. Which is nice. Must be because I used the kids name. Has also been deleted from Bad Companies original post (although not the whole post).
Nor have I. You guessed correctly: see below.bad company said:
Got it. Yes they have removed the name of manager at Lloyds who apparently sent me the email. It may have been good if a moderator had posted something on the thread to explain why this had happened.
I e-mailed Haymarket asking for an explanation. There are 24 rules you can fall foul of.As the e-mail didn't give any detail I wanted to be clear which one in case I sinned again and risked a ban!
I don't have an issue with moderation but I was concerned about the lack of clarity.
Their reply arrived this morning and it confirmed OddCat's guess above is correct.
Whether that be done via the thread or via e-mails to those affected I have no particular view.
But I do think clarity is needed and Haymarket have taken this on board.
It raises another question though: namely the differing standards which appear to have been applied.
BC's post was merely edited. OddCat's and mine were not: they were totally excised.
Seems OTT to me and I'll be very interested to know how that treatment can be justified.
I have just fired off a follow up e-mail.
I'd suggest that seeing as the opening post had been amended to remove the name of an individual, that could be taken as a yellow card, a repeat of the offence required a greater censure. Yes I do know that neither of you had committed the first " offence" so personally not repeat offenders, it was just the easiest way I could explain it.
Edited to add, I have had a reply removed and likewise have no idea what it was for, certainly don't recall naming the individual, unless it was inadvertently in an embedded quote. Frankly the moderation on here is so haphazard all it does is confuse people, explanation of which rule has been infringed would help enormously.
Edited to add, I have had a reply removed and likewise have no idea what it was for, certainly don't recall naming the individual, unless it was inadvertently in an embedded quote. Frankly the moderation on here is so haphazard all it does is confuse people, explanation of which rule has been infringed would help enormously.
Edited by FiF on Monday 27th November 13:45
FiF said:
I'd suggest that seeing as the opening post had been amended to remove the name of an individual, that could be taken as a yellow card, a repeat of the offence required a greater censure. Yes I do know that neither of you had committed the first " offence" so personally not repeat offenders, it was just the easiest way I could explain it.
That's all very well, but given I wasnt even aware at the time that the opening post had been amended how was I supposed to know I was committing a 'repeat of the offence'?Indeed I'm not convinced it had been. Even if I'm wrong about that, it is quite unrealisitic imo to expect members, every time they post to a thread, to check each OP to find out whether a mod has edited it!
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