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    • ceewash
    • By ceewash 21st Sep 16, 2:59 PM
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    ceewash
    chip and pin fraud abroad
    • #1
    • 21st Sep 16, 2:59 PM
    chip and pin fraud abroad 21st Sep 16 at 2:59 PM
    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?
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    • zx81
    • By zx81 21st Sep 16, 3:32 PM
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    zx81
    • #2
    • 21st Sep 16, 3:32 PM
    • #2
    • 21st Sep 16, 3:32 PM
    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
    • By mt99 21st Sep 16, 3:44 PM
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    mt99
    • #3
    • 21st Sep 16, 3:44 PM
    more questions
    • #3
    • 21st Sep 16, 3:44 PM
    Yes and do you mean his account abroad was 'hacked' or his UK bank? What do you mean by 'hacked'?
    • ceewash
    • By ceewash 21st Sep 16, 4:13 PM
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    ceewash
    • #4
    • 21st Sep 16, 4:13 PM
    • #4
    • 21st Sep 16, 4:13 PM
    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.
    Save 9K in 2015

    No. 179 Total = £3180.00 / £9000
    • eddddy
    • By eddddy 21st Sep 16, 4:23 PM
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    eddddy
    • #5
    • 21st Sep 16, 4:23 PM
    • #5
    • 21st Sep 16, 4:23 PM
    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.
    Originally posted by ceewash
    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
    • By ceewash 21st Sep 16, 4:27 PM
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    ceewash
    • #6
    • 21st Sep 16, 4:27 PM
    • #6
    • 21st Sep 16, 4:27 PM
    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.
    Save 9K in 2015

    No. 179 Total = £3180.00 / £9000
    • meer53
    • By meer53 21st Sep 16, 4:44 PM
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    meer53
    • #7
    • 21st Sep 16, 4:44 PM
    • #7
    • 21st Sep 16, 4:44 PM
    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
    • By ceewash 21st Sep 16, 4:46 PM
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    ceewash
    • #8
    • 21st Sep 16, 4:46 PM
    • #8
    • 21st Sep 16, 4:46 PM
    ok his bank was not very helpful
    Save 9K in 2015

    No. 179 Total = £3180.00 / £9000
    • eskbanker
    • By eskbanker 21st Sep 16, 5:04 PM
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    eskbanker
    • #9
    • 21st Sep 16, 5:04 PM
    • #9
    • 21st Sep 16, 5:04 PM
    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
    • By eDicky 21st Sep 16, 5:31 PM
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    eDicky
    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
    • By GingerFurball 22nd Sep 16, 11:38 AM
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    GingerFurball
    'my account was hacked' is the sort of meaningless, vague nonsense people come up with when they make a payment they regret.
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    • jonesMUFCforever
    • By jonesMUFCforever 22nd Sep 16, 10:30 PM
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    jonesMUFCforever
    'my account was hacked' is the sort of meaningless, vague nonsense people come up with when they make a payment they regret.
    Originally posted by GingerFurball
    I wonder if this transaction happened in a ''bar or club'' if you know what I mean?
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    • ceewash
    • By ceewash 22nd Sep 16, 10:52 PM
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    ceewash
    No I don't know what you mean.
    Save 9K in 2015

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    • GingerFurball
    • By GingerFurball 22nd Sep 16, 11:02 PM
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    GingerFurball
    I wonder if this transaction happened in a ''bar or club'' if you know what I mean?
    Originally posted by jonesMUFCforever
    With ladies who might dance without their clothes on?
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    • ceewash
    • By ceewash 22nd Sep 16, 11:07 PM
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    ceewash
    is that relevant?
    Save 9K in 2015

    No. 179 Total = £3180.00 / £9000
    • TadleyBaggie
    • By TadleyBaggie 22nd Sep 16, 11:33 PM
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    TadleyBaggie
    is that relevant?
    Originally posted by ceewash
    Very. It's quite common for transactions in these types of places to come through quite a bit higher (like x10) than expected. I guess they hope the punters will be too embarrassed to complain.
    • Caladan
    • By Caladan 22nd Sep 16, 11:43 PM
    • 376 Posts
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    Caladan
    is that relevant?
    Originally posted by ceewash
    Probably for the ladies involved yes, it can be chilly this time of year. Also what Tadley said.

    Still I understand you're a worried mother/father. Firstly, relax. Life is dull if things never go wrong.

    Secondly - the short answer is that if it was chip and pin then it is extremely unlikely that it was some sort of 'hack.' Whilst it's technically possible for that to be the case, it's about as likely as being eaten by a shark...in Amsterdam.

    Cloning a card is relatively easy, stealing the pin with a small camera on a machine is also relatively easy.

    Cloning a chip is not. It's very, very complicated. If the payments were made by magnetic strip and signature the bank would probably accept it's fraudulent pretty quick, but if it's chip and pin and he still has the card on him then the bank is very unlikely to offer a refund.

    Sorry if it isn't what you want to hear but at best there's more to this story.
    • ceewash
    • By ceewash 25th Sep 16, 7:08 AM
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    ceewash
    The story is that he tried to pay for a beer with a card using chip and pin. The card was declined. When he went outside to a card machine he saw that his balance was zero.
    No scantily clad girls involved.
    Save 9K in 2015

    No. 179 Total = £3180.00 / £9000
    • glider3560
    • By glider3560 25th Sep 16, 8:39 AM
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    glider3560
    The story is that he tried to pay for a beer with a card using chip and pin. The card was declined. When he went outside to a card machine he saw that his balance was zero.
    No scantily clad girls involved.
    Originally posted by ceewash
    Where did the money go? Has he logged into online banking to see what transactions were made that caused the balance to reach zero? Without this information, I doubt there is much help that anyone here could actually give you.

    • meer53
    • By meer53 25th Sep 16, 10:03 AM
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    meer53
    So the money was gone before he tried to use the card for the beer. Where had he been before this ?
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