Main site > MoneySavingExpert.com Forums > Household & Travel > Techie Stuff > Credit card fraud used online...any advice? (Page 1)

IMPORTANT! This is MoneySavingExpert's open forum - anyone can post

Please exercise caution & report any spam, illegal, offensive, racist, libellous post to forumteam@moneysavingexpert.com

  • Be nice to all MoneySavers
  • All the best tips go in the MoneySavingExpert weekly email

    Plus all the new guides, deals & loopholes

  • No spam/referral links
or Login with Facebook
Credit card fraud used online...any advice?
Closed Thread
Views: 878
Thread Tools Search this Thread Display Modes
# 1
pegginout
Old 22-10-2011, 7:08 PM
Serious MoneySaving Fan
 
Join Date: May 2007
Posts: 938
Default Credit card fraud used online...any advice?

My bank has just rang asking if I have just bought £880 worth of chavvy jewellery online!
It would seem my card has been used fraudulently. In total they have used it to top up a mobile at o2, a few 192 transactions, £300 Travelodge and £880 of bling!
Luckily the CC company (asda/santander) rang and are now investigating.

I use avg for years, but have just bought a new laptop a few months ago so have updated that to the paid version of avg.
We also use something called sandboxie, that was recommended to us when surfing.

I always check if websites I use are https.

I shred everything with my name/address/details on.

I never let my card leave my sight in shops.

We have changed passwords for online banking and that cc has now been suspended

I just cannot for the life of me figure out where they got my info from, is there any way I can find out?
Martin Lewis Rocks!
pegginout is offline
Report Post
# 2
Plxply
Old 22-10-2011, 8:14 PM
MoneySaving Stalwart
 
Join Date: Oct 2010
Posts: 590
Default

Your card could have always been skimmed as all they need to do is write (or remember) the CVV from the back of the card. Have you ever handed it over to someone in a store for example and taken your eyes off it? These things can happen very quickly without your knowledge, don't necessarily think it was recent either as the fraudsters will have your expiration date and as such it can often take time as your card number is sold on as they are aware when the card will be stopped.
Plxply is offline
Report Post
The Following User Says Thank You to Plxply For This Useful Post: Show me >>
# 3
texranger
Old 22-10-2011, 11:00 PM
PPR
Serious MoneySaving Fan
 
Join Date: Jul 2011
Posts: 1,757
Send a message via MSN to texranger
Default

Quote:
Originally Posted by pegginout View Post
My bank has just rang asking if I have just bought £880 worth of chavvy jewellery online!
It would seem my card has been used fraudulently. In total they have used it to top up a mobile at o2, a few 192 transactions, £300 Travelodge and £880 of bling!
Luckily the CC company (asda/santander) rang and are now investigating.

I use avg for years, but have just bought a new laptop a few months ago so have updated that to the paid version of avg.
We also use something called sandboxie, that was recommended to us when surfing.

I always check if websites I use are https.

I shred everything with my name/address/details on.

I never let my card leave my sight in shops.

We have changed passwords for online banking and that cc has now been suspended

I just cannot for the life of me figure out where they got my info from, is there any way I can find out?
as mentioned several times on these forums just because a site has an ssl certificate (https or padlock) does not always mean it is not run by fraudsters.
an ssl can be purchased very cheaply from $5 a yr and installed on a site, so fraudsters can still get your details by making your think you are sending your details securely.
a way to check a site if you have never used them is check the URL at a site like http://whois.domaintools.com and you will be surprised at how many .co.uk domains are registered in china etc.
texranger is offline
Report Post
The Following 5 Users Say Thank You to texranger For This Useful Post: Show me >>
# 4
Yolina
Old 23-10-2011, 9:35 AM
Serious MoneySaving Fan
 
Join Date: May 2010
Location: London
Posts: 1,532
Default

And then of course there was the little "issue" with Diginotar... I know that their certificates were removed from the secure list fairly sharpish but they took well over a month to actually say that they had been hacked.
Now free from the incompetence of vodafail
Yolina is offline
Report Post
The Following User Says Thank You to Yolina For This Useful Post: Show me >>
# 5
PHARR
Old 23-10-2011, 9:41 AM
MoneySaving Stalwart
 
Join Date: Sep 2011
Location: UK, North East
Posts: 369
Default

Im sure your bank will be able to trace down the user especially if they have topped up their one personal mobile phone maybe.

I do not always trust HTTPS even though it does create a secure connection and certificate of approval it always can be bought as previous poster said and set up to trap you.

I feel for you, its a cruel world!
PHARR is offline
Report Post
The Following User Says Thank You to PHARR For This Useful Post: Show me >>
# 6
texranger
Old 23-10-2011, 9:54 AM
PPR
Serious MoneySaving Fan
 
Join Date: Jul 2011
Posts: 1,757
Send a message via MSN to texranger
Default

Quote:
Originally Posted by Paddy H View Post
Im sure your bank will be able to trace down the user especially if they have topped up their one personal mobile phone maybe.

I do not always trust HTTPS even though it does create a secure connection and certificate of approval it always can be bought as previous poster said and set up to trap you.

I feel for you, its a cruel world!

if its been used to top up a PAYG mobile phone unless they have registered the phone/sim then their is no way to trace this and if they are scammers i doubt they would have registered the phone.
texranger is offline
Report Post
The Following User Says Thank You to texranger For This Useful Post: Show me >>
# 7
PHARR
Old 23-10-2011, 10:05 AM
MoneySaving Stalwart
 
Join Date: Sep 2011
Location: UK, North East
Posts: 369
Default

Quote:
Originally Posted by texranger View Post
if its been used to top up a PAYG mobile phone unless they have registered the phone/sim then their is no way to trace this and if they are scammers i doubt they would have registered the phone.
Respectfully true, at a last desperate option they could request location information from the service provider of that number for each of the calls which may help in finding the person but that's pretty limited.
PHARR is offline
Report Post
The Following User Says Thank You to PHARR For This Useful Post: Show me >>
# 8
texranger
Old 23-10-2011, 10:55 AM
PPR
Serious MoneySaving Fan
 
Join Date: Jul 2011
Posts: 1,757
Send a message via MSN to texranger
Default

Quote:
Originally Posted by Paddy H View Post
Respectfully true, at a last desperate option they could request location information from the service provider of that number for each of the calls which may help in finding the person but that's pretty limited.

Only the police through a court order could request this type of investigation
texranger is offline
Report Post
The Following 2 Users Say Thank You to texranger For This Useful Post: Show me >>
# 9
ChiefGrasscutter
Old 23-10-2011, 11:43 AM
Serious MoneySaving Fan
 
Join Date: Oct 2008
Location: South Midlands
Posts: 1,391
Default

I've heard that credit card numbers and CVV are now being generated by the millions by scammers.
99.9% of course won't work
Occasionally they get lucky.
Your card/number need not have been comprimised at all

Then of course there is the dreaded inside job possibility - though again I gather that call centre operatives are only given access to a limited amount of your credit card details - not the full number etc to reduce this possibility.

All you can do is continue to check your statements......

In the past I've suggested that a text to your mobile from the CC company every time an item is bought with the card would at least mean that only the first fraudalent purchase would go through. It did not get a favourable reaction on MSE people claiming they would be receiveing texts every 5 minutes from their genuine purchases (yeah?), and that it would transfer some responsibility onto the user to actually check their texts and whose responsibility would it be if more fraudalent purchases were made after the text listing the first dodgy one had been sent: which I agree is an issue.
ChiefGrasscutter is offline
Report Post
The Following User Says Thank You to ChiefGrasscutter For This Useful Post: Show me >>
# 10
Farway
Old 23-10-2011, 3:41 PM
Fantastically Fervent MoneySaving Super Fan
 
Join Date: Sep 2006
Posts: 4,405
Default

OP has opened two identical threads on this same subject

Moderator please close one down

http://forums.moneysavingexpert.com/....php?t=3565307
Farway is offline
Report Post
The Following User Says Thank You to Farway For This Useful Post: Show me >>
# 11
pegginout
Old 23-10-2011, 3:52 PM
Serious MoneySaving Fan
 
Join Date: May 2007
Posts: 938
Default

Quote:
Originally Posted by Farway View Post
OP has opened two identical threads on this same subject

Moderator please close one down

http://forums.moneysavingexpert.com/....php?t=3565307
I'm sorry, I posted in techie forum first, but then decided it would be better in credit card section.

I was just frantic after the phone call, and desperately worried!

I am sorry but I didn't know how to delete the post
Martin Lewis Rocks!

Last edited by pegginout; 24-10-2011 at 7:35 AM.
pegginout is offline
Report Post
# 12
morganedge
Old 23-10-2011, 3:52 PM
Serious MoneySaving Fan
 
Join Date: Apr 2007
Posts: 1,262
Default

Similar thing happened to me last Christmas.
Well, unfortunately I didn't get a call from my bank, but I happened to check my online statement when I saw that £1000 had been spent (basically my whole account) on Tiffany's jewellery!
I rang the bank, they sent me some forms, and I got my money back within 3 days I think.

It's not worth worrying about how it happened if you are careful (as you say you are, and as I also am)
Im convinced that it happened after buying contact lenses online, as that was basically the only place I ever used my card.

It got me very stressed over the Christmas period, but like i say, it was all resolved quickly enough.

Funny thing is that i still get sent brochures to my address in another persons name telling me how much of a valued customer i am!!
morganedge is offline
Report Post
# 13
closed
Old 23-10-2011, 3:56 PM
Deliciously Dedicated Diehard MoneySaving Devotee
 
Join Date: Jul 2009
Posts: 10,825
Default

the details could have been obtained from anywhere, not necesarilly pc related

Scan with malwarebytes, and post a hijackthis log if you want to check your pc out http://www.filehippo.com/download_ma..._anti_malware/

No need to pay for av in future - http://www.filehippo.com/download_avast_antivirus/
!! ------> . !!!! ----> .

Last edited by closed; 23-10-2011 at 3:58 PM.
closed is offline
Report Post
The Following User Says Thank You to closed For This Useful Post: Show me >>
# 14
AliceJenkins
Old 23-10-2011, 4:30 PM
PPR
MoneySaving Convert
 
Join Date: Oct 2011
Location: England
Posts: 158
Default

Aww that's awful hope it all gets sorted x
AliceJenkins is offline
Report Post
The Following User Says Thank You to AliceJenkins For This Useful Post: Show me >>
# 15
DCFC79
Old 23-10-2011, 4:40 PM
Deliciously Dedicated Diehard MoneySaving Devotee
 
Join Date: Aug 2008
Location: Gloucestershire
Posts: 22,913
Default

The good thing is its not your money as its the credit cards money.
DCFC79 is online now
Report Post
The Following User Says Thank You to DCFC79 For This Useful Post: Show me >>
# 16
pegginout
Old 24-10-2011, 3:41 PM
Serious MoneySaving Fan
 
Join Date: May 2007
Posts: 938
Default

thank you everyone, I feel a bit more at ease now. I just felt like it was all my fault and yet I am always so careful x
Martin Lewis Rocks!
pegginout is offline
Report Post
# 17
pegginout
Old 24-10-2011, 3:42 PM
Serious MoneySaving Fan
 
Join Date: May 2007
Posts: 938
Default

Quote:
Originally Posted by closed View Post
the details could have been obtained from anywhere, not necesarilly pc related

Scan with malwarebytes, and post a hijackthis log if you want to check your pc out http://www.filehippo.com/download_ma..._anti_malware/

No need to pay for av in future - http://www.filehippo.com/download_avast_antivirus/
can i download this as well as my avg, will it affect it in anyway?
sorry , Im not very techie x
Martin Lewis Rocks!
pegginout is offline
Report Post
# 18
closed
Old 24-10-2011, 6:48 PM
Deliciously Dedicated Diehard MoneySaving Devotee
 
Join Date: Jul 2009
Posts: 10,825
Default

1st one, yes you can install it and run alongside and antivirus package, but don't install the 14 day trial if you are prompted after installation.

2nd no, not at the same time as avg, it's a (free) replacement for avg, when your subscription runs out, or before if you are willing to uninstall avg first.
!! ------> . !!!! ----> .
closed is offline
Report Post
Closed Thread

Bookmarks
 
 




Thread Tools Search this Thread
Search this Thread:

Advanced Search
Display Modes

Posting Rules
You may not post new threads
You may not post replies
You may not post attachments
You may not edit your posts

BB code is On
Smilies are On
[IMG] code is On
HTML code is Off

 Forum Jump  

Contact Us - MoneySavingExpert.com - Archive - Privacy Statement - Top

Powered by vBulletin® Copyright ©2000 - 2014, Jelsoft Enterprises Ltd.

All times are GMT. The time now is 7:00 PM.

 Forum Jump  

Free MoneySaving Email

Top deals: Week of 29 October 2014

Get all this & more in MoneySavingExpert's weekly email full of guides, vouchers and Deals

GET THIS FREE WEEKLY EMAIL Full of deals, guides & it's spam free

Latest News & Blogs

Martin's Twitter Feed

profile

Cheap Travel Money

Find the best online rate for holiday cash with MSE's TravelMoneyMax.

Find the best online rate for your holiday cash with MoneySavingExpert's TravelMoneyMax.

TuneChecker Top Albums

  • TAYLOR SWIFT1989 (DELUXE)
  • VARIOUS ARTISTSBBC RADIO 1'S LIVE LOUNGE 2014
  • ED SHEERANX (DELUXE EDITION)

MSE's Twitter Feed

profile
Always remember anyone can post on the MSE forums, so it can be very different from our opinion.
We use Skimlinks and other affiliated links in some of our boards, for some of our users.