Credit card defrauded of £2600. How?

[Chris_H]

I received a letter from Egg this morning thanking me for my phone call on the 2nd and that if I called again, they'd reset my security details. Well, as I hadn't called them for months I was a little surprised.
I rang them this morning and discovered that three transactions went through over the weekend for a total of £2600. The last time I used this card was about 6 months ago!! The lady at Egg told me that someone called on the 2nd trying to reset the PIN and failed security on their DOB and their mother's maiden name. Now to me, that would be enough to block the card but apparently not enough for Egg. Is there anyone who doesn't know their own DOB??? This seems like a very careless approach to security by Egg.

How the hell do these people get the details? As I said, I've not used this card for months, I live alone and cross cut shred all paperwork, and no one even knows (I thought) that I have an Egg card, so how do they get the details?

[andy400]

I've no idea, but it's bloody worrying!

[Chilli]

Tis poor I agree, however there is ni IQ requirement for a crewdit card...Yes, some people really don't know their DOB or simply fold under questioning!

[Vesuvius 996]

Bought any petrol with it ever?

[Chilli]

Vesuvius 996 said:

Bought any petrol with it ever?

Quite.

[Neil_H]

If you used it 6 months ago is it possible that the details are held on record at a company somewhere and a rogue employee is swiping details of cards used many months ago (to make the source harder to detect) and using them?

[Olf]

Have a chat with a guy called Aerofoil. Maybe he has some advice.

[Chris_H]

Vesuvius 996 said:

Bought any petrol with it ever?

Never. I only really use a debit card for everything, only using a credit card for larger purchases where insurance may be required.

[Chilli]

Olf said:

Have a chat with a guy called Aerofoil. Maybe he has some advice.

That's brilliant. Why didn't antone suggest to the boy to get himself a part time job in a petrol station....He'd have made it all back by now.

[Vesuvius 996]

Sounds like someone wrote down the card number and the security code while you weren't looking. Then they've used it online - card number, expiry daye, security code.

Bosh.


Has the card been out of sight? Restaurant? Have you left your wallet on your desk at all?

[Chris_H]

Vesuvius 996 said:

Sounds like someone wrote down the card number and the security code while you weren't looking. Then they've used it online - card number, expiry daye, security code.

Bosh.


Has the card been out of sight? Restaurant? Have you left your wallet on your desk at all?

No, I'm retired so no desk. My wallet never leaves me at all!! I'm very careful about such things.

[Olf]

Last time my card took a hit by fraud it was beacuse a new card had been sent to me in the post as the old one was nearing the expiry date. It was intercepted and the postman went on a spending spree. New cards that are issued as updates do not require activation, they work straight out of the envelope.

Just tell you CC co. that you want the police involved now. They usually pay you back the money straight away. For some reason they are more nervous of the cops then the theives are.

[Vesuvius 996]

Chris_H said:

Vesuvius 996 said:

Sounds like someone wrote down the card number and the security code while you weren't looking. Then they've used it online - card number, expiry daye, security code.

Bosh.


Has the card been out of sight? Restaurant? Have you left your wallet on your desk at all?

No, I'm retired so no desk. My wallet never leaves me at all!! I'm very careful about such things.

OK, so somehow someone got your card number, and the expiry date, and the security code off the back.

Anyone in your family got a drug problem? (sort of joking...)

[Chris_H]

Olf said:

Last time my card took a hit by fraud it was beacuse a new card had been sent to me in the post as the old one was nearing the expiry date. It was intercepted and the postman went on a spending spree. New cards that are issued as updates do not require activation, they work straight out of the envelope.

Just tell you CC co. that you want the police involved now. They usually pay you back the money straight away. For some reason they are more nervous of the cops then the theives are.

My payment date is mid November so there's a bit of time to go yet. I did think of canceling the direct debit but I'll give them a chance to sort it out first. I did wonder about the police. I'll broach the subject when their fraud dept. calls.

[Mc Lovin]

when it comes to credit cards it seems like a bloody nightmare. I bet sorting that out is going to be fun!!!

[V8mate]

Vesuvius 996 said:

Chris_H said:

Vesuvius 996 said:

Sounds like someone wrote down the card number and the security code while you weren't looking. Then they've used it online - card number, expiry daye, security code.

Bosh.


Has the card been out of sight? Restaurant? Have you left your wallet on your desk at all?

No, I'm retired so no desk. My wallet never leaves me at all!! I'm very careful about such things.

OK, so somehow someone got your card number, and the expiry date, and the security code off the back.

Anyone in your family got a drug problem? (sort of joking...)

Family members would know his DOB

[Olf]

Chris_H said:

Olf said:

Last time my card took a hit by fraud it was beacuse a new card had been sent to me in the post as the old one was nearing the expiry date. It was intercepted and the postman went on a spending spree. New cards that are issued as updates do not require activation, they work straight out of the envelope.

Just tell you CC co. that you want the police involved now. They usually pay you back the money straight away. For some reason they are more nervous of the cops then the theives are.

My payment date is mid November so there's a bit of time to go yet. I did think of canceling the direct debit but I'll give them a chance to sort it out first. I did wonder about the police. I'll broach the subject when their fraud dept. calls.

It was EGG I was dealing with. Cancel the DD. I trusted them and they took the payment. s.

[Vesuvius 996]

Olf said:

Chris_H said:

Olf said:

Last time my card took a hit by fraud it was beacuse a new card had been sent to me in the post as the old one was nearing the expiry date. It was intercepted and the postman went on a spending spree. New cards that are issued as updates do not require activation, they work straight out of the envelope.

Just tell you CC co. that you want the police involved now. They usually pay you back the money straight away. For some reason they are more nervous of the cops then the theives are.

My payment date is mid November so there's a bit of time to go yet. I did think of canceling the direct debit but I'll give them a chance to sort it out first. I did wonder about the police. I'll broach the subject when their fraud dept. calls.

It was EGG I was dealing with. Cancel the DD. I trusted them and they took the payment. s.

Cancel the DD now.

They WILL take the money.

[Chris_H]

OK, sound advice. I will cancel it now!!

[tinman0]

Vesuvius 996 said:

Chris_H said:

Vesuvius 996 said:

Sounds like someone wrote down the card number and the security code while you weren't looking. Then they've used it online - card number, expiry daye, security code.

Bosh.


Has the card been out of sight? Restaurant? Have you left your wallet on your desk at all?

No, I'm retired so no desk. My wallet never leaves me at all!! I'm very careful about such things.

OK, so somehow someone got your card number, and the expiry date, and the security code off the back.

Anyone in your family got a drug problem? (sort of joking...)

Its been second swiped somewhere. Simple as that.

And it won't be recent either. It will have been done several months ago so you won't remember where you used it.