Fraudulent activity on my current account

inaspin_3

II logged onto my internet banking earlier today and I have apparrently bought tickets off Ticketmaster on friday for a gig/concert that night... with a 5 month old baby it wouldn't even be possible to go! My bank have filed a fraud claim and my card has been blocked. I never put my card details on the internet apart from with well known sites, such as Teso, play.com, etc. I get emails asking me to update my account so to enter my card details.... I never do it as I know that they're fake.... some I get from Natwest and I don't even bank with them! I am just so upset that this has happened, I can't really understand it. How long would it take for me to get my £60 back if at all? has anyone got any idea what I could do to stop it happening again? And I know its all behind scenes, but the people that got my card details would they be found out or would it just be 'one of those things' people get away with these days? Sorry for all the questions, it's one of those things where you think it wouldn't happen to you :mad:

James

You should get your money back, hopefully within the next 6 weeks.

I'd do the following:

Ask NatWest in Wrting how the fraud occured? i.e. was it your Card Details and Personal Information which was used for the purchase.

I'd also report it to the Police and get a crime or incident reference number.

How did they get your details - easy latest breach of NatWest details can be found by clicking here.

And a more efficient means of protecting yoursel from ID Theft (FREE) can be found by clicking here.

I hope you make a posting soon to tell us all you've got your money back - Good luck.

Oblivion

It happened to me a couple of years back. Only a few days after we returned from a holiday at a guest house in Cornwall, my card details were used to purchase nearly £2,000 worth of electrical goods.

The hotel were still using the old mechanical credit card swipe machine with a paper (and copy) transaction document. I noticed at the time that the manager wasn't very diligent about putting the paperwork away afterwards and would leave stuff out on the reception desk which was frequently left unmanned. I think another guest just took the opportunity to copy down my card details.

I know how you feel. It's very frustrating to have been the victim of card fraud, but you just have to move on. The banks should accept responsibility for the fraud and re-credit your card statement. They should then issue you with a replacement card with a new number.

It's quite possible your card has been cloned when you used it in a store. Petrol stations are one of the riskiest places to use a card. They employ a lot of foreign workers who are really into the card cloning racket. I'm afraid it's just a fact of modern life.

Dave.

Oblivion

James wrote: »

I'd also report it to the Police and get a crime or incident reference number.

The police are not remotely interested in card fraud and will simply tell you to resolve it with your bank.

Dave.

James

Oblivion wrote: »

The police are not remotely interested in card fraud and will simply tell you to resolve it with your bank.

Dave.

Some Police Forces in some areas via the local press are asking members of the public to report Card Fraud and here's why:

Click here.

lonestar1

Oblivion wrote: »

The police are not remotely interested in card fraud and will simply tell you to resolve it with your bank.

Dave.

I would hope that with them having booked tickets the local plod would lie in wait for them to attend and use/claim tickets

Alas however I suspect you are correct and the rogues will once again escape scott free (Pc Plod much preferring being warmer sat on his butt in a police car waiting to catch anyone doing 61 in a 60)

Oblivion

James wrote: »

Some Police Forces in some areas via the local press are asking members of the public to report Card Fraud and here's why:

Click here.

Quote from the Home Office website ...

"In 2007, the Home Office changed the way people in England, Wales and Northern Ireland report cases of fraud involving credit cards, online banking and cheques.
Now, instead of calling the police, you should report these types of fraud directly to your bank or card company. Credit card companies and banks are responsible for verifying the crime, and reporting it to the police.
These changes were designed to reduce bureaucracy, and speed up investigations."

Dave.

summermummy

Similar thing happened to my husband a few yearsago. Luckily we have internet banking so are able to check balance frequently. The card had been used in Morocco even though we have never visited the country. As long as card has been stopped immediately your bank will refund the stolen funds. Ours took around 3 weeks to return. Best thing to do is not to worry - the card details could have been taken anywhere. We received a replacement card and then moved on.

shimmershelly

I checked my account at the weekend, and I had two ATM withdrawals from Bangkok come out of it. I was on holiday in Turkey at the time and didn't use my card over there at all (I don't use ATM's at all at home for cash either, just the ones inside the bank for mini statements).
The man I spoke to at Abbey's fraud department (in Portugal!) asked if I travelled via Thailand (does he own a map!). My card has obviously been cloned somewhere along the line as they had my pin to make the withdrawals, but they were as helpful as a chocolate teapot. I am incensed that it will take them up to 3 weeks to give me my money back, when they should not have authorized the transactions in the first place, they should refund you, then do their investigation. I put money in my account before I went on holiday so I would be able to do food shopping etc on my return, now I am scrimping and borrowing money right left and centre.
The lady I spoke to in branch said they had a new policy that you should let them know if you are going abroad, which would be fine if they practiced what they preached and didn't let people steal from your account wily nilly.

inaspin_3

Thank you all for your replies, I feel a lot better now after reading them. My bank told me that the police don't deal with card fraud anymore unless it's on a big scale of money (as it's not worth it apparently). Banks have the facility to investigate themselves now. When I spoke to Ticketmaster they wouldn't give me any details of the address or name, etc on the account that was created with my card or anything (I can kind of understand it) but they said they wouldn't tell me anything as I was not the person who bought the tickets.... well if they're that contious about data protection and law, why don't they check the address of the cardholder against the address they were given on the account?! Oh well... Need to forget about it otherwise i'll just get myself worked up again. Thank you all again.