7500 credit on credit card but its not mine

LIP88

Hi, about a month ago someone phoned up my credit card company changed my address, ordered a new card and pin number and lifted £4250 out a post office. I have a £4000 limit and the card did not have a balance on it. Phoned up the credit card company and after around 3 weeks the transactions were refunded, going over my limit charge and interest was also refunded. On the same day £7500 was also paid onto the card. This was almost 4 weeks ago.

What should I do. Ive been told to tell them. To leave it. To cancel the card, they will send me a cheque and put it into a high interest account but does such a thing exist anymore!? But not to spend it as its still their money.

jamalfatty

I'd tell them, it's not your money and they will almost certainly come back for it. Certainly wouldnt use any of the money or cash any cheques, your only asking for trouble then.

cos_2

Wow, how bizarre!

I'd call them up and ask where the payment came from. Obviously, you know it's not your money and if you tried to use it you'd be in big doo doo.

Keep us informed, please!

LIP88

I thought someone has made a payment to their card but somewhere along the lines it has ended up on my card and thought the guy who made the payment will realise their card has not been paid and it will taken off in a week or so.

jonesMUFCforever

It could also be part of the fraud that you were an original victim of.
Tell them now or they may suspect that you may be involved in this and believe me you do not want a CIFAS indicator on your credit file.

LIP88

I have already been sent a letter saying my details have been sent to CIFAS. I read the leaflet that comes with it and found it quite hard it understand. All I understood was that if I apply for credit the company doing the search has to make further identity checks. Is this a bad thing?
RE the £7500...
£7500 left my bank account yesterday. Its the same amount that was paid onto the credit card. Phoned up the bank they said a payment was made from my bank account onto my credit card. Asked who done it they were unable to tell me.
What they could tell me was that I can upgrade the security on my account for £6/month! But i do get the first month free!
Should I have to pay to keep my money and details secure!?
PS. When phoning the bank I was not asked for any of the passwords set up after the initial fraud happened. Ridiculous.
Going into the bank on monday, closing all acounts and credit cards and changing bank.

dirtyflannel

Blimey what a nightmare get rid of the card altogether close all the accounts down and open new ones

MABLE

LIP88 wrote: »

Hi, about a month ago someone phoned up my credit card company changed my address, ordered a new card and pin number and lifted £4250 out a post office. I have a £4000 limit and the card did not have a balance on it. Phoned up the credit card company and after around 3 weeks the transactions were refunded, going over my limit charge and interest was also refunded. On the same day £7500 was also paid onto the card. This was almost 4 weeks ago.

What should I do. Ive been told to tell them. To leave it. To cancel the card, they will send me a cheque and put it into a high interest account but does such a thing exist anymore!? But not to spend it as its still their money.

You know you are not entitled to this money. A fraud has already taken place on the account and you are asking what to do. Obviously tell the credit provider. If you try to be clever they will think you are involved with the fraud.

mummytofour

Personally I would close that account and run a mile as fast as possible. Somebody has not only hacked into to your cc account but also you bank account. IMHO you need to get your money somewhere safe asap.

Pound

MABLE wrote: »

You know you are not entitled to this money. A fraud has already taken place on the account and you are asking what to do. Obviously tell the credit provider. If you try to be clever they will think you are involved with the fraud.

Read the OP's last post, the money was taken from their bank account so it is their money.

mummytofour wrote: »

Personally I would close that account and run a mile as fast as possible. Somebody has not only hacked into to your cc account but also you bank account. IMHO you need to get your money somewhere safe asap.

To me it sounds more like the CC company have made a balls-up with a direct debit. Why would a fraudster transfer money between the same person's accounts?

Edit: Unless the fraudster was transferring funds so that he could spend it?

fudgecat

Are we allowed to know the bank and credit card company involved? It would help us to avoid them!