Victim of credit card fraud

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hi people,


I have a credit that i have not used in a year , has just been in my wallet doing absolutely nothing, its even due to expire 11/10


Anyways, out of the blue i get transaction upon transaction of airline tickets ( ryainair) taking it up to my credit limit .

I rang up natwest and they were very helpful, they have blocked the card and sending me a form of declaration for refund etc.

I have a question about how this even got this far, once every few months i would get a ring from natwest security system asking me to verfiy completely normal transactions, yet in a case where transactions are completely out of character , the system is asleep! - perplexes the brain.

Comments

  • zppp
    zppp Posts: 2,476 Forumite
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    flush80 wrote: »
    yet in a case where transactions are completely out of character , the system is asleep! - perplexes the brain.

    Well how do they know it is out of character, since you don't use the credit card?
    Best Regards

    zppp :)

  • I'm confused.

    Why would Natwest phone to confirm transactions when you don't use the card?
    Wow, I got 3 *, when did that happen :j:T:p
    It is not illegal to open another persons mail unless you intend to commit fraud - this is frequently incorrectly posted:)
    I live in my head - I find it's safer there:p
  • flush80
    flush80 Posts: 6 Forumite
    edited 24 September 2010 at 6:26AM
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    im not trolling at all, and im not asking anyone to investigate my claim here either as im already getting my money back.


    i get called on my other cards once every few months through the automated security check .

    i have a visa debit , and 2 x mastercard , all with natwest.


    a card not used for a year and then 2k worth of airline tickets, at 226-250 quid a piece , i would call out of character? it should have been picked up by this system.
  • fozmcfc
    fozmcfc Posts: 3,098 Forumite
    First Anniversary Combo Breaker PPI Party Pooper Debt-free and Proud!
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    Having been a victim of fraud on a Natwest card, I can understand where the OP is coming from.

    They constantly queried my normal £20 - £50 purchases on my card, but when I use it to buy something completely different and much more expensive, it never was queried.

    OP, just make sure if you don't receive the form within a couple of days, you get back onto them. They didn't send mine, after the phonecall, so I had to chase them up.
  • moonrakerz
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    Don't worry about it - it isn't your problem - it isn't your money !

    I don't quite understand you saying "im already getting my money back" - first rule on a disputed credit card item - don't pay it - EVER !
  • Fiddlestick
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    flush80 wrote: »
    im not trolling at all, and im not asking anyone to investigate my claim here either as im already getting my money back.

    It's not your money, it's the bank's.
  • king100
    king100 Posts: 1,565 Forumite
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    Ok they bought airline tickets, so very easy to trace so surely cops could turn up and arrest the passengers who committed the fraud?
    I all have learnt is from others on many sites.
    Seek legal help if unsure.
    Dont pay Private Parking tickets - they are mere invoices.

    PRESS THANKS
    }
  • chexum
    chexum Posts: 546 Forumite
    First Anniversary
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    flush80 wrote: »
    a card not used for a year and then 2k worth of airline tickets, at 226-250 quid a piece , i would call out of character? it should have been picked up by this system.

    I don't fly more than few times every few years. It would seem pretty straightforward for me to keep a card empty but ready until I need to buy a more expensive airline ticket, and it could be much more of a problem to arrange alternative payments for that, losing out of offers, than for groceries...

    If you think about it, it's less critical anyway - it's much more difficult to get away with an airline ticket, for which they need to show all sorts of IDs, and where they can be stopped any time before the suspect leaves the destination airport, bought a few weeks before the flight than with a few bottles of expensive spirits.
    Enjoy the silence...
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