chip and pin fraud abroad

ceewash · 21 September 2016 at 2:59PM

Any advice please? My son is abroad had has had his account hacked and all his money has gone (£700). What does he need to do? Can he do anything? He has reported it to his bank but they were unhelpful because it was whilst he was using chip and pin. Is this right?

[Deleted User] · 21 September 2016 at 3:32PM

What do you mean 'whilst he was using Chip and Pin'?

He took the money out with the PIN? Or someone else used the PIN? Where was the withdrawal made and where was your son?

mt99 · 21 September 2016 at 3:44PM

Yes and do you mean his account abroad was 'hacked' or his UK bank? What do you mean by 'hacked'?

ceewash · 21 September 2016 at 4:13PM

He is in Denmark. Details a bit sketchy but he thinks it was a fake card reader and when he checked his UK Santander bank account £700 was gone.

eddddy · 21 September 2016 at 4:23PM

ceewash wrote: »

He is in Denmark. Details a bit sketchy but he thinks it was a fake card reader and when he checked his UK Santander bank account £700 was gone.

You need to get precise details, rather than sketchy ones.

For example:
Has he got his card or was it stolen?

Were the fraudulent transactions chip & pin, or something else?
(A fake card reader could be used gather card numbers etc, or to copy a magnetic stripe, but not to create a duplicate chip.)

ceewash · 21 September 2016 at 4:27PM

I think he still has the card. Just wanted to know if he has a chance of getting his money back and if there is anything he should do now or will it wait until he gets home.

meer53 · 21 September 2016 at 4:44PM

He needs to speak to his bank.They're the ones who will confirm whether he'll get his money back. You've not provided enough info for any constructive advice really.

ceewash · 21 September 2016 at 4:46PM

ok his bank was not very helpful

eskbanker · 21 September 2016 at 5:04PM

Maybe he wasn't very clear about exactly what happened - it's obviously a stressful time, and probably more so for being abroad, but terminology like being 'hacked' isn't very meaningful. If he hasn't already, he needs to follow Santander's disputed transaction process for the fraudulent transactions, which will initiate an investigation - they won't be able to say at this stage if he'll get his money back even though that may come across as unhelpful given that that's what he'll really want to know....

eDicky · 21 September 2016 at 5:31PM

It sounds like his PIN was used when the money was withdrawn, so the bank would be dubious about it being fraud. However, his PIN could have been read by a keyboard overlay or a hidden camera on the ATM at the same time a his card was skimmed, then a clone card used with the PIN to withdraw.

But as said, we are only speculating without clearer details of what happened and what the bank are saying.

GingerFurball_2 · 22 September 2016 at 11:38AM

'my account was hacked' is the sort of meaningless, vague nonsense people come up with when they make a payment they regret.

chip and pin fraud abroad

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