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  • FIRST POST
    • pegginout
    • By pegginout 22nd Oct 11, 7:08 PM
    • 954Posts
    • 1,469Thanks
    pegginout
    Credit card fraud used online...any advice?
    • #1
    • 22nd Oct 11, 7:08 PM
    Credit card fraud used online...any advice? 22nd Oct 11 at 7:08 PM
    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!
Page 1
  • Plxply
    • #2
    • 22nd Oct 11, 8:14 PM
    • #2
    • 22nd Oct 11, 8:14 PM
    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.
  • texranger
    • #3
    • 22nd Oct 11, 11:00 PM
    • #3
    • 22nd Oct 11, 11:00 PM
    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?
    Originally posted by pegginout
    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.
    • Yolina
    • By Yolina 23rd Oct 11, 9:35 AM
    • 2,003 Posts
    • 1,694 Thanks
    Yolina
    • #4
    • 23rd Oct 11, 9:35 AM
    • #4
    • 23rd Oct 11, 9:35 AM
    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
    • PHARR
    • By PHARR 23rd Oct 11, 9:41 AM
    • 375 Posts
    • 730 Thanks
    PHARR
    • #5
    • 23rd Oct 11, 9:41 AM
    • #5
    • 23rd Oct 11, 9:41 AM
    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!
  • texranger
    • #6
    • 23rd Oct 11, 9:54 AM
    • #6
    • 23rd Oct 11, 9:54 AM
    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!
    Originally posted by Paddy H

    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.
    • PHARR
    • By PHARR 23rd Oct 11, 10:05 AM
    • 375 Posts
    • 730 Thanks
    PHARR
    • #7
    • 23rd Oct 11, 10:05 AM
    • #7
    • 23rd Oct 11, 10:05 AM
    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.
    Originally posted by texranger
    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.
  • texranger
    • #8
    • 23rd Oct 11, 10:55 AM
    • #8
    • 23rd Oct 11, 10:55 AM
    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.
    Originally posted by Paddy H

    Only the police through a court order could request this type of investigation
    • ChiefGrasscutter
    • By ChiefGrasscutter 23rd Oct 11, 11:43 AM
    • 2,006 Posts
    • 1,897 Thanks
    ChiefGrasscutter
    • #9
    • 23rd Oct 11, 11:43 AM
    • #9
    • 23rd Oct 11, 11:43 AM
    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.
    • Farway
    • By Farway 23rd Oct 11, 3:41 PM
    • 4,740 Posts
    • 3,864 Thanks
    Farway
    OP has opened two identical threads on this same subject

    Moderator please close one down

    http://forums.moneysavingexpert.com/showthread.php?t=3565307
    • pegginout
    • By pegginout 23rd Oct 11, 3:52 PM
    • 954 Posts
    • 1,469 Thanks
    pegginout
    OP has opened two identical threads on this same subject

    Moderator please close one down

    http://forums.moneysavingexpert.com/showthread.php?t=3565307
    Originally posted by Farway
    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
    Last edited by pegginout; 24-10-2011 at 7:35 AM.
    Martin Lewis Rocks!
    • morganedge
    • By morganedge 23rd Oct 11, 3:52 PM
    • 1,262 Posts
    • 1,319 Thanks
    morganedge
    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!!
  • closed
    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_malwarebytes_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.
    !! ------> . !!!! ----> .
  • AliceJenkins
    Aww that's awful hope it all gets sorted x
    • DCFC79
    • By DCFC79 23rd Oct 11, 4:40 PM
    • 26,193 Posts
    • 16,637 Thanks
    DCFC79
    The good thing is its not your money as its the credit cards money.
    Je Suis Charlie
    • pegginout
    • By pegginout 24th Oct 11, 3:41 PM
    • 954 Posts
    • 1,469 Thanks
    pegginout
    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
    • By pegginout 24th Oct 11, 3:42 PM
    • 954 Posts
    • 1,469 Thanks
    pegginout
    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_malwarebytes_anti_malware/

    No need to pay for av in future - http://www.filehippo.com/download_avast_antivirus/
    Originally posted by closed
    can i download this as well as my avg, will it affect it in anyway?
    sorry , Im not very techie x
    Martin Lewis Rocks!
  • closed
    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.
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