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Contactless card fraud cases continue to surface following MSE investigation
Former_MSE_Faye
Posts: 147 Forumite
in Credit cards
One woman had three cancelled contactless cards used by fraudsters while others have also reported being targeted...
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'Contactless card fraud cases continue to surface following MSE investigation'
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'Contactless card fraud cases continue to surface following MSE investigation'
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Comments
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As the article says, the issues have been reported before, but why on earth did it cost her £75 to talk to the Lloyds fraud team on the phone? That's appalling. At worst that number should be local rate.
gav0 -
They have both a 01 and an 0345 number but if you have an expensive non inclusive phone package any calls are likely to cost you money. I know someone who does not want to commit to an anytime call package in case they don't use it. So far for the past couple of years they have never paid less than £20 a month in call charges.As the article says, the issues have been reported before, but why on earth did it cost her £75 to talk to the Lloyds fraud team on the phone? That's appalling. At worst that number should be local rate.
gav0 -
As the article says, the issues have been reported before, but why on earth did it cost her £75 to talk to the Lloyds fraud team on the phone? That's appalling. At worst that number should be local rate.
gav
She was probably lying and inflating her call costs.DEBT FREE!
Debt free by Xmas 2014: £3555.67/£4805.67 (73.99%)
Debt free by Xmas 2015: £1250/£1250 (100.00%)0 -
In the same way that it doesn't 'really' cost a credit card company £12 in admin fees when you go over your limit, I would argue that she was within her rights (and Lloyds appeared to agree) that she could charge a flat 'fee' per call. Maybe something like £5-7 per call to cover not just the raw cost of the call but also a contribution towards her time which could no doubt be better spent doing something else.0
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Is there any way one could choose not to have their card contactless?0
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I asked Bank of Scotland to replace my new card with non contactless and received it within a week no problems - I did not want to use it after reading so many bad things about it.Saving in my terramundi pot £2, £1 and 50p just for me! :j0
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I asked Bank of Scotland to replace my new card with non contactless and received it within a week no problems - I did not want to use it after reading so many bad things about it.
Just rang the Halifax and they have deactivated the contactless bit until the new card arrives without the symbol.
Thank you for the tip!0 -
I definetly think the future of contactless payments is on mobile phones. I use Android Pay and there is no payment limit, you can have all your bank cards stored on it and it can be remotely disabled instantly without even having to phone the bank.0
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I definetly think the future of contactless payments is on mobile phones. I use Android Pay and there is no payment limit, you can have all your bank cards stored on it and it can be remotely disabled instantly without even having to phone the bank.
In theory very good idea, but how do you disable the app if your phone is stolen, or you don't notice that it's gone. They could be taking money out at the next cashpoint within minutes, or do you have to enter a key?
My purse was stolen with my cards in some time ago, luckily I realised within five minutes that it had gone, went into the bank which was just a minute or two up the road, and within that time an attempt had been made to withdraw money from an ATM at another bank 50 yards away.0 -
In theory very good idea, but how do you disable the app if your phone is stolen, or you don't notice that it's gone. They could be taking money out at the next cashpoint within minutes, or do you have to enter a key?
My purse was stolen with my cards in some time ago, luckily I realised within five minutes that it had gone, went into the bank which was just a minute or two up the road, and within that time an attempt had been made to withdraw money from an ATM at another bank 50 yards away.
Barclays are trialling contactless withdrawals from ATMs (think it's sometime in 2017) but you still need the PIN to complete the transaction.
At present Apple/Android Pay cannot be used to withdraw cash from the hole in the wall; you need your physical card still.
One thing I like about Apple Pay over Android Pay is the fact EVERY transaction requires a registered fingerprint or for the thief to know what the phone's passcode is; whereas if the thief knows the passcode (£30 or less with Android Pay) and they unlock the phone they don't need a fingerprint to complete a purchase.It's not your credit score that counts, it's your credit history. Any replies are my own personal opinion and not a representation of my employer.0
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