Fraud..

jasons_2

Just has a call from my card issuer this morning asking whether I've made any big purchases this morning.

It would appear that my card has been used fraudelenty to order clother in excess of £1000.

Apparantly it was used yesterday to order £300 of clothers from Abercrombie.com which was declined and a couple of other token payments the day before.

The accounts been closed etc but I was wondering how 'they' could of got hold of my details as I only use the card for Ebay and Paypal?

I've changed all my passwords this morning, but I'm wondering whether its conected to some contract phones that were ordered/delivered whilst I was on holiday in August?

Any thoughts anyone?

The_Boss

My thought is that it is someone in America that was using your card is if it was abercrombie.com

jasons_2

Could be, but the delivery address was Erith in Kent......

The_Boss

jasons wrote:

Could be, but the delivery address was Erith in Kent......

Ahh, ok, maybe not then!

James

jasons wrote:

Just has a call from my card issuer this morning asking whether I've made any big purchases this morning.

It would appear that my card has been used fraudelenty to order clother in excess of £1000.

Any thoughts anyone?

There are that many ways to get cardholders details and use them that it's not worth thinking about. IMHO there are two crimes here - ID theft by using your good name and card details, and the theft of goods at point of delivery.

Good news is you will be recompenssed but it's more than likely that the retailer wont.

This story (click here) has just appeared and these transactions were more than likely made by Chip & PIN.

darkcloudi

My card was used fraudently roughly about 4-5 years ago when I purchased a contract mobile phone from a reputable phone company so I guess you have a similar situation as myself. I suspected it may be one of the staff who was dealing with the mobile sale.

The details you give them is your name, address and credit card number so I guess the member of staff could have cloned the card and copied your details.

The person was able to rack up at least a £1000 on my card - spending nights out in a London hotel using my details and invoices sent a month later to my home address. As I keep close eyes on my account by checking regularly online on whats going out I phoned Barclaycard immediatly after seeing the transaction to put a stop on the card. Lucky enough I was comepensated and you will be to.

I don't think they would have got them through Ebay \ Paypal although you do occasionally here peoples accounts being hacked - if it was hacker they would have more likely changed your password.

jasons_2

darkcloudi wrote:

My card was used fraudently roughly about 4-5 years ago when I purchased a contract mobile phone from a reputable phone company so I guess you have a similar situation as myself. I suspected it may be one of the staff who was dealing with the mobile sale.

The details you give them is your name, address and credit card number so I guess the member of staff could have cloned the card and copied your details.




Unfortunately the phones ordered were in someone else name using our address. They grabbed the parcels from the postie after he put the card through the door.- we were away on holiday at the time...

Astaroth

James wrote:

IMHO there are two crimes here - ID theft by using your good name and card details, and the theft of goods at point of delivery.

Technically not ID theft but a simple case of unauthorised useage - ID theft would have been them using your name to apply for their own credit card and then using that to buy the goods etc.

There are millions of ways to get credit card details - after all their is a worryingly high proportion of merchants that dont even get authorisation codes for credit cards (including some very big name companies) let alone do things like checking the name on the card is correct etc.... given this and how a credit card number is created it only takes about 15 minutes to write a programme which will randomly generate potentially valid card numbers and then use a low security store to run through the next 3 years of expirey dates to get a number you can use with companies with low security settings.

The possitive thing out of all of this in the OPs case of cause is that the bank was on the ball enough to actually spot the issues, stop payments and contact you.... I know of at least one banking group that really wouldnt have cared (the misses who works in counter fraud for a bank moans about them all the time)

James

Astaroth wrote:

Technically not ID theft but a simple case of unauthorised useage - ID theft would have been them using your name to apply for their own credit card and then using that to buy the goods etc.

There are millions of ways to get credit card details - after all their is a worryingly high proportion of merchants that dont even get authorisation codes for credit cards (including some very big name companies) let alone do things like checking the name on the card is correct etc.... given this and how a credit card number is created it only takes about 15 minutes to write a programme which will randomly generate potentially valid card numbers and then use a low security store to run through the next 3 years of expirey dates to get a number you can use with companies with low security settings.

The possitive thing out of all of this in the OPs case of cause is that the bank was on the ball enough to actually spot the issues, stop payments and contact you.... I know of at least one banking group that really wouldnt have cared (the misses who works in counter fraud for a bank moans about them all the time)

Technically you're right - but there is a simple and effective way of preventing crooks for using your personal details and here's how to hold banks to account:

See Identity Theft - Self Help

Bargainbabe_2

I had this happen to me a few weeks ago when I used my Egg card to purchase a washing machine from Dixons. I hadn't used my card for about 12 months. Next thing I know my card has been used a dozen times racking up a spend of £3k. Luckily I was refunded, but I can only assume that it must of been a Dixons employee who nicked my details?

Thank god I used a credit card and not my debit.

Joe_Bloggs

There is valuable information to be had from the CIFAS association here.
This details many precautions and actions you can take.
J_B.