Loydstsb credit card fraud. Now taking payment from saving account. Help!

YorkshireBoy

trebormint wrote: »

...for the past 10 months I haven't had a choice but to shop on-line!

Maybe it's where you shop that's the problem? I'm sure the likes of Tesco, and other large companies, etc are OK, but I'd be careful of giving my card details to foreign companies and I never buy fuel from small retailers (a popular source of fraud?), preferring instead to use the supermarkets.

How do you stop people getting your card details? As far as I am aware I have all the necessary security on my computer. Is there anything else I should do?

I'll leave that to others more experienced to answer.

pandora205

I'm sure there is a guide on MSE somewhere about safe online shopping. The things that spring to mind are:

try to make purchases via a Paypal account whereever possible
avoid buying from a company without a UK address and telephone number
google the company to check it out
if using ebay, check out the feedback from other users

I once had fraudulent transactions using debit card details, which Lloyds TSB reported to me (as they were overseas transactions). These were dealt with immediately and I was reimbursed within days.

As someone else has mentioned, go into a branch to get this sorted if you haven't had success over the phone.

trebormint_2

Hmmm, maybe you're right about where I shop, didn't think about that!

jonesMUFCforever

Can I just correct one point made by YorkshireBoy - a right of set off from a current/savings account to a credit card or loan is not restricted to minimum payment. They could take the whole amount if it was on the current/savings account if they wanted to.

YorkshireBoy

jonesMUFCforever wrote: »

Can I just correct one point made by YorkshireBoy - a right of set off from a current/savings account to a credit card or loan is not restricted to minimum payment. They could take the whole amount if it was on the current/savings account if they wanted to.

Things would have had to have been going on a while for them to "want" to do that though. In the OP's case they have probably only missed one payment (possibly 2), being as the issues only came to light at the end of May.

At the moment, all that is 'due' is the minimum payment as advised on the statement.

Taking, for example, £1,000 from a savings account when only £20 is due on a £1,000 (alleged, and in dispute) fraudulent transaction would be viewed very badly by the FOS I would have thought, once the complaint had been escalated.

dazza.mk

pandora205 wrote: »

try to make purchases via a Paypal account whereever possible.

Bear in mind that if the transaction is over £100 you will have to fight for Section 75 protection (if needed) by following this advice, as theoretically you are not buying the item by credit card, you are buying 'paypal money' and that Paypal money is being used to buy the item.

NickX

dazza.mk wrote: »

Bear in mind that if the transaction is over £100 you will have to fight for Section 75 protection (if needed) by following this advice, as theoretically you are not buying the item by credit card, you are buying 'paypal money' and that Paypal money is being used to buy the item.

Very Good point, I was just about to post a warning on this myself.

There have been several cases on this board where the Card Provider has quite legitimately absolved themselves of any Section 75 responsibility because the purchase has been made through Paypal. Personally I avoid Paypal like the plague.