Avoid Barclaycard... £10000 stolen from my barclaycard

zppp

foxyuk wrote: »

oh i will get my money back..!!!.. thats only part of it all... i feel as if someone has trampled all over me..

where was barclaycard security???? when blocking the card , then the person doing a change of address, 2 new cards and 2 new pins and for the record they spent £2000 each day for 5 days... surely there are alerts that should be put in place for each amendment..... the downfall is india and i am convinced of it.....
as a company only security is mothers maiden name ..... scandalous........ they should be asking what was last balance? how you pay it|? passwords?

As a poster said i have been told its been used in co-op for furniture, newsagents, petrol stations etc so there will be cctv at end of the day crook never gets done and its me the victim left with the scars

at end of day its fine to say i will get money back that is the result but the cause will never be rectified.... i am now going to pay cash for everything, avoid internet transactions u might say im rash but thats the way i feel at mo.

Yes police wont be interested when i see them later because barclaycard pick up the bill.... problem is these crooks will continue to do it as system must be easy to abuse

I think you need to take a deep breath and calm right down.

They will end up footing the bill for this because you have not made the transaction. At the end of the day, what has happened has happened. It is unfortunate, everyone sympathises with you.

See the police, get the crime reference number and give this to the CC company and then let them deal with it as it is the CC company's problem. Once you have had a refund, you may want to try and ascertain what they think happened. You do not know that the cause will not be rectified, you are just assuming this. Let them investigate it themselves. At the end of the day it is their money we are talking about not yours.

Triker

Happened to us too but I agree the banks hold too much power in their, don't ask us too many questions re our security breaches...especially when they'll readily hold you accountable for something you may not be aware of.

We'd been on a ferry trip and hubby had used his card onboard, when we returned and he checked his statement we found someone had used his details from his card on another ferry travelling to a different destination.

Plus saying the banks will give you your money back isn't good enough, there should be reassurances that this won't or can't happen again.

rhodod

2k a day over 5 days....... and no phone calls.

I bought a iphone the other day from Apple, 1 hour later i got a hpone call to ask if i authorised the transaction.

foxyuk

rhodod wrote: »

2k a day over 5 days....... and no phone calls.

I bought a iphone the other day from Apple, 1 hour later i got a hpone call to ask if i authorised the transaction.

they would have called but as the person changed my address and contact nos i would not have got call

knightfox

foxyuk wrote: »

oh i will get my money back..!!!.. thats only part of it all... i feel as if someone has trampled all over me..

where was barclaycard security???? when blocking the card , then the person doing a change of address, 2 new cards and 2 new pins and for the record they spent £2000 each day for 5 days... surely there are alerts that should be put in place for each amendment..... the downfall is india and i am convinced of it.....
as a company only security is mothers maiden name ..... scandalous........ they should be asking what was last balance? how you pay it|? passwords?

Maybe the person who copied your card knew your last transaction. So they would have answered that question.

I know that its upsetting. But have a good sleep / rest.

You will use credit cards again as they give you the security. You know what cc offers. When a company goes bust without giving your products to you. When ordering something on the internet. etc etc.

I prefer my card to be cloned / used. Instead of being mugged by a hoodie for £10k. Sorry but thats life.

27col

The poster who made the comment about someone finding out your mothers maiden name or first name via one of the ancestry websites has a good point. However, you do not have to use the actual name, you can choose any name you like, just so long as you remember it when logging on. The same applies to 'make of first car' or 'last school'. All they require is an answer that is the same as the one stored in their security system.

BugsyBrowne

27col wrote: »

The poster who made the comment about someone finding out your mothers maiden name or first name via one of the ancestry websites has a good point. However, you do not have to use the actual name, you can choose any name you like, just so long as you remember it when logging on. The same applies to 'make of first car' or 'last school'. All they require is an answer that is the same as the one stored in their security system.

Remember these people who clone cards are pro's so won't of thought they would of even had to bother with mothers maiden name and all that.

If they wanted to set up say william hill account like the sh*its done with mine all they need is the long number in the middle.

timbo58

I dont think the banks DO bear the brunt of it:
The cardholder bears the stress even though they get their money back.
The banks then pass on chargebacks against fraudulent transactions to the retailers!
The banks also add their own charges to this!
The retailer loses everything: goods, money paid and a IRO £15 charge per transaction for each chargeback.
Outrageous, perhaps it's time the punishment fitted the crime?
If you rob a post office of £10k you'd get a long prison stretch, card thieves and benefit cheats for that matter should do the same.

zppp

timbo58 wrote: »

I dont think the banks DO bear the brunt of it:
The cardholder bears the stress even though they get their money back.
The banks then pass on chargebacks against fraudulent transactions to the retailers!
The banks also add their own charges to this!
The retailer loses everything: goods, money paid and a IRO £15 charge per transaction for each chargeback.
Outrageous, perhaps it's time the punishment fitted the crime?
If you rob a post office of £10k you'd get a long prison stretch, card thieves and benefit cheats for that matter should do the same.

Completely agree with your point that not enough people get convicted for fraud and it makes a mockery of our judicial system.

On the point re the retailer, many now take out merchant chargeback insurance which covers them if the above were to happen, and is covered for any chargeback reason. Sometimes it is automatically intergrated into their package for processing payments, other times it is standalone.

knightfox

zppp wrote: »

Completely agree with your point that not enough people get convicted for fraud and it makes a mockery of our judicial system.

On the point re the retailer, many now take out merchant chargeback insurance which covers them if the above were to happen, and is covered for any chargeback reason. Sometimes it is automatically intergrated into their package for processing payments, other times it is standalone.

I didnt know about the insurance, I do feel sorry about the retailers.