card fraud....

mumOf2wonderfulkids

Hiya everyone,

a friend of mine has just realised she has been a victim of card fraud, she went in the bank today to draw out some money and was told that she was £500 over her overdraft limit (we think about £2000 has been taken at the moment) She has told me she only uses this card to take money out of the machine but the bank have said that it is internet purchases. I am going out to see her tonight to help her out a bit but to be honest i am a bit unsure of what she should do, the bank has said unless she can prove it wasnt her that ordered the goods they wont reimburse her. As far as i am aware it is a debit (not credit) card, i have advised her to contact citizens advise but would any wise MSE'ers have any advice?


it makes me worried - they say these things come in 3's and my sister in law was burgled over the weekend

hethmar

Oh dear, not a very helpful bank were they. Well I hope she has cancelled the card first of all so they cant use it any more.

drsquirrel

mumOf2wonderfulkids - you owe me £1000000, now you have to prove that you don't owe it to me.
Rubbish isn't it, this is essentially what the bank is saying.

Considering internet purchases would have needed to have been delivered (unless services) the retailers must have some kind of address and details - the bank really needs to investigate this and get the Police involved.

dacouch

Don't cut the card up

mumOf2wonderfulkids

drsquirrel wrote: »

mumOf2wonderfulkids - you owe me £1000000, now you have to prove that you don't owe it to me.
Rubbish isn't it, this is essentially what the bank is saying.

Considering internet purchases would have needed to have been delivered (unless services) the retailers must have some kind of address and details - the bank really needs to investigate this and get the Police involved.

I do think the bank have given her some ''slightly'' incorrect info - going to make sure that she has had the card cancelled, i will also tell her to inform the police.

I know some retailers wont give out addresses due to DPA but if i remember rightly the police can obtain this from them?, would said friend be able to get any confirmation from police that the goods weren't delivered to her?
My friend is a bit nieve (sp?) and doesn't really understand her rights too well. She has just had her first wages after starting her new job and the bank have taken most of it to pay back her overdrawn balance

mumOf2wonderfulkids

dacouch wrote: »

Don't cut the card up

hiya dacouch, just out of interest, why?

Ivory_Tinkler

If she only normally uses the card to take money out of a cashpoint then the bank should be able to see a pattern of her usual spending habits and will notice straightaway that something is wrong if suddenly there are loads of internet transactions taking place. There will be delivery addresses for the goods which won't match her address which the bank can verify by contacting the companies who have processed the orders made with her card. Your friend will need to liaise with them, probably through their security department/s, but I don't think that card fraud is reportable, in the first instance, to the police any more - I'm sure the rules changed a couple of years ago to make it reportable to the bank and they in turn contact the police. However, there is nothing wrong with contacting the local police for advice and see what they say as obviously someone has obtained goods by deception using your friends card.

neilmcl

She should ask to speak to the Banks card fraud dept.

dacouch

mumOf2wonderfulkids wrote: »

hiya dacouch, just out of interest, why?

There was a program on recently, they had a card security consultant. I disputed cases, people like him can read the information on a card and produce a report that is accepted by courts which would show whether a card had been used at a certain cash point etc etc. This can help prove cases where there were phantom atm payments etc.

He stated if the card is cut up they cannot read the data and how the banks advise people to cut up their cards. He was a bit coy as to whether he thought the banks deliberately told people to cut up their cards to aid their cases

I realise the phantom payments were internet purchases but you never know you may need to

hethmar

I do hope she gets it sorted. Is she off to the CAB? Trouble with using debit cards, its just like cash -