Credit card thieves !

Briony

Briony

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Nicki.
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Just opened my bank statement and to my disbelief I have been scammed and account cleared, Bast**rds.

My debit card must have been scammed somewhere along the lines, I suppose I have got zillions of forms to fill in now before they decide if they are going to give me my money back, so inconvenient also, everything has been cancelled.:shake: :bang:
 
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I spent 4 years working in credit card fraud, so I have some experience of this.

My advice:

Under no circumstances tell the bank or suggest that you may have written your pin number down or stored it in your phone etc.

If your partner, wife etc knows your pin, do not tell the bank this.

Play dumb, don't say anything that may give them an angle to pass the blame onto you.

Call the card centre, inform them of everything and they will record everything and send the forms out for you to check and sign.

You will be entitled to a full refund.

Don't expect the Police to do anything as financial crime is not taken seriously I'm afraid as there is no personal loss, just financial.
 
Thanks, It has been used somewhere in London at a place where I have never heard off, so someone must have doubled swiped the card and then used it to pay for stuff. What makes me andgry is how did they know my pin number etc.?

No one has my number anyway, just makes me so cross and thank god I checked my statement.

It was a debit card also not a credit card so in future I am not keeping much money in the bank.
 
Briony said:
Thanks, It has been used somewhere in London at a place where I have never heard off, so someone must have doubled swiped the card and then used it to pay for stuff. What makes me andgry is how did they know my pin number etc.?

No one has my number anyway, just makes me so cross and thank god I checked my statement.

It was a debit card also not a credit card so in future I am not keeping much money in the bank.
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or just put the money in a savings account without a debit card, just a normal bank card :)
 
Blake wrote:-

"Don't expect the Police to do anything as financial crime is not taken seriously I'm afraid as there is no personal loss, just financial."

Vast bulk of it is not even recorded as a crime (one way of getting the stats down).

Dreadfull thing to happen, Nicki.
Need to try to think if the card was out of your possession anywhere.
Anything odd about any cash dispenser you used. If one has been tampered with the bank will know of other incidents there too.
 
Go back to cheque books do you mean not many places take cheques nowadays, :shrug:
 
arclight said:
Blake wrote:-

"Don't expect the Police to do anything as financial crime is not taken seriously I'm afraid as there is no personal loss, just financial."

Vast bulk of it is not even recorded as a crime (one way of getting the stats down).

Dreadfull thing to happen, Nicki.
Need to try to think if the card was out of your possession anywhere.
Anything odd about any cash dispenser you used. If one has been tampered with the bank will know of other incidents there too.
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Never normally let my card out of sight and always question it if it does and want to see whare it is going. Never use a cash dispenser as always get money out from the bank.

trying to rack my brains and sitting here with statements as to where I have used it and trying to remember in what circumstances.:thinking:
 
Briony said:
Thanks, It has been used somewhere in London at a place where I have never heard off, so someone must have doubled swiped the card and then used it to pay for stuff. What makes me andgry is how did they know my pin number etc.?

No one has my number anyway, just makes me so cross and thank god I checked my statement.

It was a debit card also not a credit card so in future I am not keeping much money in the bank.
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Use a credit card as much as possible. If it gets scammed it's the bank's money and you don't need to wait on your account being credited like you do with a debit card.

Cash machines can be fitted with a card reader AND a tiny camera (button size) above the keypad so always shield the keypad anywhere you put your number in.
Watch for anyone looking over your shoulder.
No one should get to touch your card - ever! Chip & Pin - only you need to handle your card.
 
Just take reasonable precautions when using your card.

If you are using cash machines check them carefully beforehand for anything out of place.
If you are paying for something don't let the card out of your sight, there's no reason for a shop assistant or waiter to take your card from you.

Being scammed like this is painful but your bank will refund your money and they won't take too long doing it.
 
have u used it on-line..?...........camera shop ?

as you have to put in your 3digit security code
 
It does not matter where you last used it or how you used it people can get money/nimbers etc etc from absolutely anywhere.
I have been a victim of credit debit card fraud in the last 2 years 3 times and each tine it was painless to get my money back, on my debit card the bank set up a free over draft limity for me will it was sorted out.
My mam had all her investment money stolen from some one down south (she lives in newcastle) and her investments have no cards at all but they still got all her details security passwords etc and took all the money.
Its quite easy to do if you are a good hacker apparently.
It has never stopped me from buying online, you just have to keeep track of eberything and as i do alot of banking online its easy to follow.

Spike
 
This happened to me about a year ago. I only ever used this particular card once - debit card purchase of a lens over the internet, so I knew who and when. I got my money back and informed police, trader etc. The trader seemed concerned but blamed their card authorising company but nothing has ever come of my information to my knowledge. I was pleasantly surprised how easy it was to get my money back but I have to say that I was lucky in that my account was not cleaned out just dipped into a bit.
 
I had my credit card cloned once and it hit me so hard, the bank reduced my limits and tried charging me for all the interest that occured during the time the money was out of my account.

Thank you Barclays!

They were rubbish and I even tried a formal complaint and they didn't send me the forms out!
 
This happened to me a couple of years ago, I'm 99.999999999 percent certain I know where it happened and it was in a shop, not online, about six weeks before the money was taken from my account.
 
Also, when the bank prints off the reports for the transactions, there are different codes which tells the bank various info. So they will know it was not the genuine card used and also if pin was used or not.
 
Got my works card done over the past few weeks. Thankfully Coutts stopped it after three 'taster' transaction worth £200 when the thieves got greedy and tried for £2,500, £1,200 and £4500 (my limit is £1000 so they were screwed on that front). Still, means some scummer has £200 or my employer's money.....
 
arclight said:
Blake wrote:-

"Don't expect the Police to do anything as financial crime is not taken seriously I'm afraid as there is no personal loss, just financial."
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Actually, the last fraud case I investigated - a member of hotel staff stealing some cheques out of a guest's book - was de-railed entirely because of the bank's failure to cooperate. They took weeks to acknowledge any requests (6 weeks for confirmation of signature, 8 weeks to acknowledge initial account information), and even longer to send any information through. They made it perfectly clear that they weren't interested in dealing with low-level frauds with outside parties (even though I have an obligation to investigate) and I had to end up filing the case as undetected, even though it was eminently solvable. After 3 months of no progress, I simply had to move on - leaving it in the hands of the bank.

So, while I take some of what you say, don't write all police officers off. It's not always so simple.
 
Anyone ever read the terms of using a Debit card with pin.

Most banks will not listen if the card was used with the correct pin number. Their terms made YOU responsible for the fraud if the pin number was used. It's in their T&C's and was part of the change over to chip and pin.

As for Cheques whilst they are still legal tender most places now refuse them as they require a signature not a pin number. See above statement.

I work in retail computing and have never trusted chip and pin for security. What should have been done is take more care to properly check signature.

As for contactless cards they can shove them where the sun don't shine. If a card can be read by a shops reader it can be snooped when it transmits.

Biometrics is the real way to go for the future.
 
Photo Plod said:
Actually, the last fraud case I investigated - a member of hotel staff stealing some cheques out of a guest's book - was de-railed entirely because of the bank's failure to cooperate. They took weeks to acknowledge any requests (6 weeks for confirmation of signature, 8 weeks to acknowledge initial account information), and even longer to send any information through. They made it perfectly clear that they weren't interested in dealing with low-level frauds with outside parties (even though I have an obligation to investigate) and I had to end up filing the case as undetected, even though it was eminently solvable. After 3 months of no progress, I simply had to move on - leaving it in the hands of the bank.

So, while I take some of what you say, don't write all police officers off. It's not always so simple.
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That's rather disappointing to hear. Until last year I worked for a bank and in our branch at least we always worked very closely with the police in these cases, often giving priority to extracting the information they required despite a heavy workload. :)
 
Blake said:
I spent 4 years working in credit card fraud, so I have some experience of this.

My advice:

Under no circumstances tell the bank or suggest that you may have written your pin number down or stored it in your phone etc.

If your partner, wife etc knows your pin, do not tell the bank this.

Play dumb, don't say anything that may give them an angle to pass the blame onto you.
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So basically your advice is to commit fraud?
 
goldenlight said:
That's rather disappointing to hear. Until last year I worked for a bank and in our branch at least we always worked very closely with the police in these cases, often giving priority to extracting the information they required despite a heavy workload. :)
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I've no doubt it will be down to the individuals and the team I dealt with at the bank concerned...as you say, my understanding was that we always had a good working relationship, but that wasn't the experience in this case. I'm not a financial investigator, though, so I don't have much of a track record in the field :D
 
But, it is all your fault.The Daily Mail says so..........;)
 
I've twice been scammed. Once from a well known online photography supplier, that was a well known story, who I don't go anywhere near anymore.

The second time from a local Shell petrol station. They had an alternative card reader that recorded your info & pin number. Luckily the banks fraud detection system kicked off almost immediately when my details were used to buy plane tickets from Rome airport!
 
Briony said:
Just opened my bank statement and to my disbelief I have been scammed and account cleared, Bast**rds.

My debit card must have been scammed somewhere along the lines, I suppose I have got zillions of forms to fill in now before they decide if they are going to give me my money back, so inconvenient also, everything has been cancelled.:shake: :bang:
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I have two cards from the same bank one with a good limit, and one set at £250.00 i use this one for on line shopping and general purchases, the other i use for bigger purchases which are normally at reputable dealers, this will not stop CC fraud but may limit the collateral damage.

i also tell my CC when i am going away and the route through spain i will be taking anything along that line up to £100.0 is fine anymore refuse it till confirmed. and they input this into the system.

regards Merc.

hope this helps

Merc.
 
mercmanuk said:
I have two cards from the same bank one with a good limit, and one set at £250.00 i use this one for on line shopping and general purchases, the other i use for bigger purchases which are normally at reputable dealers, this will not stop CC fraud but may limit the collateral damage.

i also tell my CC when i am going away and the route through spain i will be taking anything along that line up to £100.0 is fine anymore refuse it till confirmed. and they input this into the system.

regards Merc.

hope this helps

Merc.
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That is probably quite a good way to maintain security.
In principle prepaid debit cards give excellent security since you can maintain a zero balance until you want to top it up to buy something.
However, they seem to incur all sorts of charges for their use.
 
My debit card was scammed for about £700 quid about 6 months ago with a Western Union transfer. Had to open a new account as the bank froze the scammed one. The woman in the bank didn't fill me with confidence though as she didn't even know what Western Union was to begin with. I got the money back in the end, but it was annoying.
 
neil_g said:
one mention of "western union" should ring alarm bells with everyone to be honest.
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they do have legitimate uses - but one mention in terms of payment or sending money to anyone you don't know I'd agree
 
The second time from a local Shell petrol station.
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LOL I wouldn't use a card in a Shell garage anywhere in Manchester, their staff where skiming cards with dodgy chip and pin units for months.

Some of their garages now bolt down the chip and pin to stop some of the monkeybusiness that was going on :D
 
ChrisH said:
LOL I wouldn't use a card in a Shell garage anywhere in Manchester, their staff where skiming cards with dodgy chip and pin units for months.

Some of their garages now bolt down the chip and pin to stop some of the monkeybusiness that was going on :D
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thay's why i try to use tesco:eek:

Merc
 
Garages seem to be something of a high risk. They feature in a lot of fraud reports.
I always use cash when paying in a garage.
 
thats not good news to here Briony, I had one of my cards done last year. they spent around £400 on top up cards bought along the entire m4. The building society were great, all I had to do was let them know the transactions that were fraudulent and then sign a letter to say that they were fraud and that I would be prosecuted if I had lied to get money back which im sure is fairly normal. Had the money back in my account in under 2 weeks. It's just the hastle and annoyance of having to go through it all!
 
I usse cash rather than cards for as many things as possible. I use machines both inside and outside but do check them for signs of tampering etc. I always shield the number pad and use the raised dot on the 5 to help me navigate to the numbers I need. I also change my PIN from time to time, just in case. I NEVER let the card out of my sight (apart from when I'm asleep and when it's in my wallet in a zipped pocket). Despite these precautions, I had 2 cards compromised a while back and one of them has never been used online (or on the high street).
 
arclight said:
Garages seem to be something of a high risk. They feature in a lot of fraud reports.
I always use cash when paying in a garage.
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Hi. What rotten luck. Hope you get your money back.
I had a credit card frauded on 2 separate occasions. Once in a Petrol station. Someone bought a £500 holiday. I only ever use a credit card in petrol stations, never my debit card. Later, I used the card in a store in Bluewater and then found someone had bought £400 of Chelsea tickets. On both occasions it got sorted. My biggest annoyance was the attitude of Chelsea. They were content to cover the cost and told me not to worry they would fix it and when I asked why they didn't ask to see the card when buyers came to collect the tickets was that 'it was too expensive and slow'. They'd rather pay out than employ a few more people.
 
I am sorry I have not read all the replies, just going out, I am covered with http://www.cpp.co.uk/, cards on one policy and personal id on other. They cover passports, keys, money. Fraud on your accounts. Hope you get sorted out.
 
I've been done before - and I think it was in a Chinese restaurant in Chinatown, central London. Within a fortnight, someone had bought Aer Lingus flights to Ireland, then a couple of holiday souvenirs in Tel Aviv! Natwest were very good about it, though - money was put back immediately, but I never heard if they got to the bottom of any of it.

The gangs that are often behind a lot of this make an absolute fortune out of it. I've arrested dozens of thieves before - sometimes for Going Equipped when I catch them with a Lebanese Loop, sometimes for various fraud offences if I catch them with cloned cards, sometimes for theft if they're with someone else's - but I never see them get much in the way of punishment. My personal record is 18 months imprisonment for a guy who was manufacturing credit cards, then distributing them to South American drug dealers in London for them to use as petty cash. That was for his third time of being convicted of the same crime. He also had piles of pin numbers and other personal information in his room, along with all the software and kit he needed to re-make anybody's card.
 
My card got cloned twice - both times caught promptly by HSBC before any costs went out. Once was online after a couple of different websites tried to charge £1-2 to my CC, then tried to hit it with a couple of transactions for £500+.

The other time was after I bough some rugby boots in a shop. The first time I tried to enter my PIN the transaction just didn't appear to go through - just came up on the handset as "error, please try again" and had to remove my card, replace my card and enter my PIN again. I got a call saying that in one afternoon it had been used to try and buy petrol in Newcastle, Sussex, Cornwall and Cork :S why would you try it is so many varying locations so quickly????

Both times was a nuisance waiting for a new card to come but that's hardly the bank's fault
 
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