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fraud on my card, am I covered?
Chrysalis
Posts: 4,744 Forumite
in Credit cards
Ok after responding to a post here I checked my statement online, and I noticed some fraud back in november, for whatever reason I didnt notice this before.
6 payments of 39.95 to a car insurance company followed by 2 others of 17.95.
capital one don't seem keen to mark this as fraud tho, they have temporarily blocked my card and say thats all they will do for now.
full details as I know of events.
I paid for my sister to hire a car, personally I thought the company looked a bit dodgy but I went ahead with it, company was called euro cars. It was a face to face transaction, I went in with her.
We paid £90 for the car and £35 for the deposit waiver. This was back in november, I cannot remember the exact date. My sister has lost the receipt she had.
On my statement it appears as expected euro rental 35 and 90.
However the fraudelent payments appear as WWW.INSURANCE4CARHIRE. The first ones show 5 times 39.95 5 days before euro rental.
The others appear a day and 2 days after euro rental.
When I rang capital one however they told me the transactions were the same day only a few minutes before the euro rental. This made them hesitant to mark it as fraud. To me with that info I am now assuming its the guy at euro cars who did the fraud so when I ring them tommorow I will probably be fed some rubbish.
What are people's thoughts on this please as I dont want to be liable for these payments.
The plan is to ring this euro cars tommorow, if they either dont answer or say its nothing to do with them then to ring capital one back and get them to mark as fraud. I cannot go in face to face again without my sister and she dont seem keen and this came about after I did her a favour.
6 payments of 39.95 to a car insurance company followed by 2 others of 17.95.
capital one don't seem keen to mark this as fraud tho, they have temporarily blocked my card and say thats all they will do for now.
full details as I know of events.
I paid for my sister to hire a car, personally I thought the company looked a bit dodgy but I went ahead with it, company was called euro cars. It was a face to face transaction, I went in with her.
We paid £90 for the car and £35 for the deposit waiver. This was back in november, I cannot remember the exact date. My sister has lost the receipt she had.
On my statement it appears as expected euro rental 35 and 90.
However the fraudelent payments appear as WWW.INSURANCE4CARHIRE. The first ones show 5 times 39.95 5 days before euro rental.
The others appear a day and 2 days after euro rental.
When I rang capital one however they told me the transactions were the same day only a few minutes before the euro rental. This made them hesitant to mark it as fraud. To me with that info I am now assuming its the guy at euro cars who did the fraud so when I ring them tommorow I will probably be fed some rubbish.
What are people's thoughts on this please as I dont want to be liable for these payments.
The plan is to ring this euro cars tommorow, if they either dont answer or say its nothing to do with them then to ring capital one back and get them to mark as fraud. I cannot go in face to face again without my sister and she dont seem keen and this came about after I did her a favour.
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Comments
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Basically as you never authorised these the lender is responsible for sorting them out. Chances are someone has bought car insurance using your details either on Recurring Payments or similar. Its easy to get sorted; have a read here: http://www.moneysavingexpert.com/banking/recurring-payments
Regards to your case, the card provider should credit your account and deal with the fraud internally, you do not need to get the police - usually it is their own fraud dept that do it, after all nobody stole from you - they stole from the lender therefore the lender must report the theft/fraud.
They are incorrect if they tell you to contact the police, the police will do nothing. Stand firm and tell them to sort it and issue a new card/number immediately. If necessary, close the account and just repay the minimum amount.....
2010 - year of the troll
Niddy - Over & Out :wave:
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the funny thing is they wouldnt even block the card until I told them to. Only a temporary block at that, I assumed the procedure would be cancel card and issue a new one. I will ring back tommorow morning and say as you have told me and report back what happens.
All these payments appeared in november 5 on 6 nov and the rest on 11 nov, since then there has been no more. The euro rentals was 8 nov.0 -
ok here is whats happened now.
The morning after, (5th jan) I rang the company on the statement, they said a insurance policy was taken out in my sisters name using my card. They asked if we had hired a car I said yes but I said no way was we told this policy would be taken out, they agreed to refund all the duplicate payments as 9 policies were taken out. But the initial one has stayed on my card. Not wanting hassle I have decided to let the one payment go and write it off as I had the bulk refunded. Informed capital one who reactivated the card but I did tell them if I see anything else suspicous I will be contacting them again.0
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