Victims Blamed for CHIP & PIN FRAUD

James

The Times:
"
banks and building societies try to wriggle out of refunding victims of chip-and-PIN fraud. Over the past few months, our postbag has been full of letters from readers angry at their bank’s tardiness or outright refusal to refund fraudulent cash withdrawals and purchases made using their PINs."

Article click here.

Main article and Tip for Credit Card Users (Click here).

cocktail

James wrote: »

The Times:
"
banks and building societies try to wriggle out of refunding victims of chip-and-PIN fraud. Over the past few months, our postbag has been full of letters from readers angry at their bank’s tardiness or outright refusal to refund fraudulent cash withdrawals and purchases made using their PINs."

Article click here.

Main article and Tip for Credit Card Users (Click here).

that was partly the argument for changing over the pin and chip, so liability for such fraudulent transactions lie now with the card holder.
another good reason to gaurd your pin number and frequently changing it.

AngelaSinclair

James wrote: »

The Times:
"
banks and building societies try to wriggle out of refunding victims of chip-and-PIN fraud. Over the past few months, our postbag has been full of letters from readers angry at their bank’s tardiness or outright refusal to refund fraudulent cash withdrawals and purchases made using their PINs."

Article click here.

Main article and Tip for Credit Card Users (Click here).

Just shows you, in the main article they say "thousands of angry customers..." THOUSANDS???!!! How many of us victims are there out there?

Barneysmom

How do you change you pin number?
I never use hole-in-the-wall any more as it's just too risky. If I need cash I do a bit of shopping and get cashback from the supermarket now.

the_mrs_2

Barneysmom wrote: »

How do you change you pin number?
I never use hole-in-the-wall any more as it's just too risky. If I need cash I do a bit of shopping and get cashback from the supermarket now.

Hi Barneysmom,
I am the same as you about using hole-in-the-wall,there has been that many scary stories about them copying pin numbers etc after being tampered with,so any cash I need I get cashback at the Supermarket.But I changed my Pin Number by going into my Bank that has a cash machine inside and changed it there,put your card and follow the on screen instructions,just think there is less of a chance the machine could be tampered with if its indoors.Hope this helps.

Barneysmom

Thanks the mrs :cool:

PrudentPanda

the_mrs wrote: »

Hi Barneysmom,
I am the same as you about using hole-in-the-wall,there has been that many scary stories about them copying pin numbers etc after being tampered with,so any cash I need I get cashback at the Supermarket.But I changed my Pin Number by going into my Bank that has a cash machine inside and changed it there,put your card and follow the on screen instructions,just think there is less of a chance the machine could be tampered with if its indoors.Hope this helps.

Surely you should be able to trust most cashpoints. It should be quite obvious whether a machine has been tampered with so surely just by using a little vigilence you should be safe using normal cashpoints.

Quasar

I also use the supermarket to get cash. Every time I do a shop I get some cashback. That said, the ATMs inside bank lobbies are quite safe, and I do use them from time to time.

Definitely avoid those outside stations etc.

the_mrs_2

PrudentPanda wrote: »

Surely you should be able to trust most cashpoints. It should be quite obvious whether a machine has been tampered with so surely just by using a little vigilence you should be safe using normal cashpoints.

Its not always noticeable if a machine has been tampered with,the people who do things like that are experts at conning people, reports can often be read in newpapers about cards being cloned, a Friend of mine used a machine outside a supermarket and part way through her transaction the card got stuck,her husband went into the supermarket while she waited at the machine,security from the supermarket came out to see if they could help sort it out for her only to find a cloning device slotted on to the machine she had just put her card into,it was so cleverly fitted it was not noticeable to them. Here is a piece in a newspaper that was put on MSE recently.


However, a Herts police spokeswoman added: "We are aware of card cloning incidents in the local area, but we are not treating this incident as linked at this stage."

Police have also arrested three people in connection with the nearby Barclays cash machine being "compromised", though they continue to look for further suspects.

Officers advise that people using cash machines should check for anything suspicious first and, if their card becomes stuck for no apparent reason, they should call 999.
They should then move away and wait for police while keeping the machine in sight.

James

Here is one of the comments in the Times Article:

"I recently received two identical cards when my existing card was replaced by the bank. One of these identical cards was delivered to the wrong address. If the recipient of that card had been dishonest there could have been a second card in circulation without me knowing anything about it. Scary".

(Click here - it's the 5th Comment at foot of page)

Quasar

In March my First Direct Visa card expired and in April so did my Maestro card. On both occasions the courier contracted by the bank couldn't deliver them because a signature was required and I wasn't at home. They deliver Monday to Friday from 9 to 5.

On the first instance I rang First Direct to say that happily I had a job and it would be prudent for them to assume that all their customers had one as the vast majority of people do. Delivering cards (and requiring a signature) only during working hours seems a rather stupid idea.

In the event I arranged with them to have it delivered to my local HSBC bank where I then went to collect it. In the second instance I had to ring First Direct again asking them to do the same thing.

I've never had problems with my FD account, but I sometimes wonder whether certain jobs actually require a lack of intelligence.