My Credit Card chip has been cloned,Help!!

NickX

bert&ernie wrote: »

I suppose to be defamed as well would just add insult to injury?:rotfl:

Thanks, I've corrected the typo

luvagoose

Quite alright as long as people dont believe that my husband myself or my friends, family , and any body i have ever come into contact with has done this, as MBNA are suggesting. They even had the cheek to ask for details of everybody we knew so they could ""investigate "" them.

James

luvagoose wrote: »

To James,
thank you for your PM message, i have tried to PM you back but for some reason it is not recognising your user name. Please PM me again.
Luvagoose

Done.


As requested

oxmatt

Have you reported the transactions to the Police and obtained a crime reference number. You may find that MBNA are more helpful if this has been done - in fact you may also find that the police may tell you whether any similar cloning incidences have happened locally which would support your case.

TheLastMinute

Further to what oxmatt said, have you (or the police) tried contacting Barclays to ask for any CCTV footage they may have of the ATM at the time of the withdraw?
M

HeadInSand_2

Don't the ATMs themselves have cameras built in to them?

moonrakerz

luvagoose wrote: »

.We feel that we are David fighting Goliath (the big bully wearing white shirt and tie!!)

Don't forget who won that little dispute !

1. They have libelled you.
2. It is their money that the "baddies" have stolen - not yours.

ALIBOBSY

No cloned chip and pin cards eh. The BBC and the police must be liars then
http://news.bbc.co.uk/1/hi/business/7557956.stm

and
http://news.bbc.co.uk/1/hi/programmes/newsnight/7265437.stm

Press them for where the ATM's were, if they were abroad or the type that don't read chips (I have read of a case where the bank lied about this to the customer and finally confirmed to the police that the chip hadn't been read).

I have seen a few techie posts on other websites stating the chip can and has been cloned, so definately pursue this.
The only people chip and pin protects is the banks.

oops just noticed you said the ATM's were in the UK.


Good luck
ali x

Incisor

luvagoose wrote: »

I wish it were that simple. They have sent us a letter very discretly saying that myself or my husband are guilty of fraud, have to pay the £1,700 and the matter is closed.. They have stated that they will not enter into anymore correspondance. that the letter is their final response, and go to Financial Ombudsman if not happy. (and we all know just how not independent they are). The point that makes our case different from others is that we had the original card in our possesion while money was taken from an ATM (cashpoint) machine( that suposedly read the chip) in this country. using according to MBNA the original. . But one embedded chip and pin card cannot be in two places at once. and according to the banking industry it is impossible to clone the chip.

Tough one, but put that way, you cannot concede, it would effectively be an admission of fraud.

ALIBOBSY

another interesting article here
http://www.lightbluetouchpaper.org/2007/02/08/financial-ombudsman-on-chip-pin-infallibility/

ali x