Warning- Barclaycard possible security risk.

chattychappy

michael1983l wrote: »

That is because those two types of fraud cover about 90% of all fraudulent activity. If you receive paperless statements,

Not applicable in the OP's case. So your 90% figure is irrelevant. Where did you get it, by the way?

michael1983l wrote: »

Stop being so defensive and have your computer checked out for viruses, it won't do any harm will it?

Ah now you are implying I have something against virus checkers. Irrelevant.

michael1983l wrote: »

And the point about myself not having and fraud on any of my barclaycard accounts that I have held for over a decade means that their system cannot be so open to fraud as you suggest.

No, it doesn't mean that at all. And I wasn't suggesting that anyway.

Just to clarify, my suggestion is that you have lept to conclusions about the cause of the OP's problem.

michael1983l

I have offered information on the most common cause of fraud, which hadn't been suggested this far. This thread isn't about who's got the biggest dongle its about stopping it happening again. If there is a virus on the computer and the OP doesn't remove it, the likliness is that the fraud will happen again.

chattychappy

michael1983l wrote: »

I have offered information on the most common cause of fraud, which hadn't been suggested this far. This thread isn't about who's got the biggest dongle its about stopping it happening again. If there is a virus on the computer and the OP doesn't remove it, the likliness is that the fraud will happen again.

Yeah only you suggested it because only you didn't read the OP properly. But I'm sure we're all grateful for your advice.

Still waiting for you to cite your 90% source - or is that just a figure that came into your head?

michael1983l

chattychappy wrote: »

Yeah only you suggested it because only you didn't read the OP properly. But I'm sure we're all grateful for your advice.

Still waiting for you to cite your 90% source - or is that just a figure that came into your head?

What an arrogant !!!!!! you are.

chattychappy

michael1983l wrote: »

What an arrogant !!!!!! you are.

Charming....

michael1983l

Well for starters you accuse somebody of having an irrelevant point by accusing them of not reading the original post yet lets summise what was said.

The Barclaycard fraud team assured me my details must have been gleaned from some paper details that had fallen into the wrong hands

Assurances is not Barclaycard stating by fact that this happens, they allude more to the point that they thought it was the case

not from me - I keep all securely or cross-shred everything

As the OP said that this is the case and it is unlikely that their mail has been intercepted, then the next best place to get these details, it would be fair to assume would be online.

So, my DH decided he would register his card with the site

Obviously the OP has a computer and is quite capable of putting their bank details into it

He discovered they need the credit card number (obviously), expiry date, holder's birthdate, the 3-digit security code from the back of the card and credit limit!

So as the OP has not stated the card has been stolen, the only likely options for the 3 digit code to be taken are by somebody close to them or via key stroke loggers whilst they have been shopping online. All of those details will be easily available with the use of key stroke loggers as the fraudster will have their details and email passwords. Estatements are often sent by email, so yes every detail should be accessable.

If your interested in reading the facts about online fraudulent activity then this article might answer you question about my facts

http://www.iii.co.uk/articles/articledisplay.jsp?article_id=4461801&section=Planning

chattychappy

Well, you did say:

michael1983l wrote: »

~Or more likely that your computer has a virus and somebody has been farming your personal details from it.

Next in line would be the OP falling for a phishing scam.

I have been with Barclays for years and have never ever been the victim of fraud.

That seemed pretty categorical to me. You then went onto talking about the OP accessing statements online:

michael1983l wrote: »

All of those details will be easily available with the use of key stroke loggers as the fraudster will have their details and email passwords. Estatements are often sent by email, so yes every detail should be accessable.

But she doesn't access the account online, does she? And are you just assuming Barclaycard emailed her a statement? Because they've never sent me one - I have to log on to get it.

So you are still trying to fit the OP's case to your theory.

michael1983l wrote: »

If your interested in reading the facts about online fraudulent activity

Thanks, actually I'm a lawyer working in financial crime. It's my day job.

michael1983l wrote: »

this article might answer you question about my facts

Ah... at last... Is this where you got your 90% "fact" from?

Article says "In 2005, online banking fraud rocketed by 90% to £23.2 million a year"

From which you get:

michael1983l wrote: »

That is because those two types of fraud cover about 90% of all fraudulent activity.

Out of date and the wrong figure anyway.

michael1983l

For a lawyer your not too sharp are you. I have already stated that there are other ways to get the details rather than logging into her barclays account or by estatements.

The fact that keystroke loggers log everything, so if they have made any credit application recently on their PC the fraudster would have every detail they needed, and if not they could easily use the details off the skimmed application to call barclaycard and get their details or even sign up to credit report providers, where the credit limits will be available there too.

Almost every online transaction these days asks for the 3 digit security code too.

I am not saying that this is the case, I am just saying that it is the most likely cause of the fraud.

The OP checking out their computer for viruses will not cost them anything, yet it potentially could save them from it happening again.

chattychappy

michael1983l wrote: »

For a lawyer your not too sharp are you.

Yep, personal insults again.

michael1983l wrote: »

I am not saying that this is the case, I am just saying that it is the most likely cause of the fraud.

The OP didn't access her statements online but the fraud involved the use of her credit limit.

You can "say" that a key logger is the most likely cause of the problem, but it just doesn't stack up, does it?

michael1983l wrote: »

That is because those two types of fraud cover about 90% of all fraudulent activity.

Now, again, can you support this? Or is this also just something you "say"?

Mrs_Money

scorpiolady wrote: »

Mrs Money you said "a few transactions went through"

How? because when i made 2 transactions recently barclaycard was straight on the phone asking if i did them or not

Well, I haven't got the details from the fraud team yet, but they implied that these were the "try out" transactions - i.e. -if they go through then they try for a "big" one - fortunately that was declined because it was way over what I have ever spent in one transaction!