Debit card fraud... bad day for me.

timbstoke

cabbie141 wrote: »

Yesterday i notice my Clydesdale debit card had been used on 2 occasions total of £130.00 When i phoned the bank, they advised one was in morrisons and the other in marks & Spencer in Wigan. the bank advised it was a card transaction so they think i was present and wont refund the money, tried to explain i live in the very far North of scotland. but they still wont budge took them over a day to cancel my card as they forgot when i first phoned, police say chances of catching anyone are remote. So i have just lost £130.00 so much for chip & Pin

Call the bank and tell them you wish to make a formal complaint. Ask for a copy of their complaints procedure, and follow it. You WILL get a refund before it gets to the ombudsman stage - it costs the banks a fairly substantial sum to have a case referred to the ombudsman, so they don't like to do it.

Often, just mentioning that you'd like to formalise your complaint makes them give in, because making it formal means they have to acknowledge it as a complaint rather than "Customer agreed that they were present after all"

missesther

Can I just say that Barclays have always been fantastic when it's come to my debit card being cloned. They have stopped transactions that I didn't have the money for (I've been with them 16 years and they know I don't go over) and have always rung me when they think it isn't me. I remember once I was eating at a Wetherspoons and they rung me to say that someone had just tried to buy a car for £600 on my card but they knew I'd just bought a meal so they allowed that transaction through and blocked the other ones. It may be a little "big brother" but it's helped me a lot, the only hassle I've had is waiting for my new card to arrive.

kscivs

My debit card appears to have been 'cloned' and 3 transactions 1 to a beauty salon & 2 to More Than & AA insurance) made. I reported it straight away to the bank & they initally refunded the money & told me they would investigate. I got a letter yesterday to tell me that as my secuirty number was used in the transactions it must have been me using the card & now they are going to make me repay the money.
I also reported it to the police & gave them details as one purchase was a massage in a salon in London (I live in Portsmouth), I gave them the appointment time & date, but did they turn up to arrest them - NO, appartantly it's classed as catorgory 3 (not important). So they could have arrested 2 criminals which were handed to them on a plate, but they did nothing.
The bank (HSBC) has been no help at all & has basically said, I will have to take legal action to claim the money back & clear my name. The insurance companies say it's nothing to do with them as again as my security number was given they are not liable. They can't give me the policy numbers or cancel the policy's or discuss the policy's as I'm not the policy holder - it's an absolute joke, I just don't know what to do next as it looks like I'm going to lose in the region of £1000.00 which I can't afford to do.

Golden_sunshine

In March 2012, my husband got an authomatic phone call from Lloyd bank asking to confirm three transactions used by his debit cards. Upon listening to the list of the transactions, we were shocked to learn that somebody has used the information of our debit card buying things in Ireland which cost around 300 pounds in one day. So we didn't confirm those transactions and wait on the line to talk to the officer. However, the line was always busy. We checked the internet banking and found those transactions appeared. We were sure that we didn't make those transactions and were very worried that our money were used by someone we didn't know. We decided to go to the local branch to report this. The bank officer helps us talking to the fraud department officer and told him that we confirmed that those three transactions weren't made by us and we never let other people access the information of the debit card. The bank officer told us that the fraud department will transfer money back to my husband account within one week and will also send the form by post to our address that needs my husband's signature to confirm that he didn't make those transactions and send it back to the fraud department. When we arrive home, we check our on-line banking and were very delighted to know that those money had already transferred back to my husband's account within only one day. Two weeks later, my husband received the letter from the fraud department which he signed his name and sent it back. So it is happy ending. However, I certainly want to have this kind of experience again. And we also cancelled our debit card and request for the new one. I hope this information is useful for those who are having this problem. Don't worry the bank officer can help you.

tdh_2

i read that card fraud has occurred to forum members just after an amazon purchase.

exactly what happened to me.

£500 to William hill online and £1 to the racing post from my account using my card details JUST ONE DAY AFTER AMAZON PAYMENT. ON FRIDAY AND SATURDAY THIS WEEK. i still have the card and the ONLY company that i pay directly with the card on line is amazon. everyone else is paid through a processor such as paypal.

i have no arrangement or account or any other connection with either William hill or racing post.

seems to me that amazon and William hill need to take a look at their security arrangements

William hill said the account name didn't match my card name - well of course it didn't - but do they carry out thorough card verification checks before taking a payment? it seems not

what is the amazon link i wonder?

i do not believe in coincidences and other people having a similar experience might suggest a pattern.

saxonsdad

My Wife had her Debit cards (x3) stolen from work on Friday and did not notice until this morning (monday). The Bank - Nationwide have been excellent and had already put a block on the cards at the weekend after noticing strange movements.

Interestingly the perpertrator was able to transfer £500 from one of the "wealthy accounts" to a poor account and then withdraw £500 from each of the three accounts in two seperate branches within 2 hours on the Friday. All of this was achieved over the counter without the need for or access to the PIN numbers nor, it woud seem any proof of ID. Strange that I can not withdraw £500 from a cashpoint machine with my PIN but can withdraw £500 over the counter (the maximum apparently) without a PIN!!!!

They also managed to make purchases on two of the cards in Kew Branch of M&S on the Saturday without using the PIN. When we contacted M&S this morning to question why they allow spends on cards without the PIN they weren't interested and stated that it was their policy to accept payents on Debit Cars with a signature for any amount of money and will only refuse if the bank has notified them. What is the point then of Chip and PIN?

DCFC79

saxonsdad wrote: »

My Wife had her Debit cards (x3) stolen from work on Friday and did not notice until this morning (monday). The Bank - Nationwide have been excellent and had already put a block on the cards at the weekend after noticing strange movements.

Interestingly the perpertrator was able to transfer £500 from one of the "wealthy accounts" to a poor account and then withdraw £500 from each of the three accounts in two seperate branches within 2 hours on the Friday. All of this was achieved over the counter without the need for or access to the PIN numbers nor, it woud seem any proof of ID. Strange that I can not withdraw £500 from a cashpoint machine with my PIN but can withdraw £500 over the counter (the maximum apparently) without a PIN!!!!

They also managed to make purchases on two of the cards in Kew Branch of M&S on the Saturday without using the PIN. When we contacted M&S this morning to question why they allow spends on cards without the PIN they weren't interested and stated that it was their policy to accept payents on Debit Cars with a signature for any amount of money and will only refuse if the bank has notified them. What is the point then of Chip and PIN?

Well surely questions need to asked, if someone can't remember the pin then surely 1 would suspect the card has been stolen ?

System

saxonsdad wrote: »

My Wife had her Debit cards (x3) stolen from work on Friday and did not notice until this morning (monday). The Bank - Nationwide have been excellent and had already put a block on the cards at the weekend after noticing strange movements.

Interestingly the perpertrator was able to transfer £500 from one of the "wealthy accounts" to a poor account and then withdraw £500 from each of the three accounts in two seperate branches within 2 hours on the Friday. All of this was achieved over the counter without the need for or access to the PIN numbers nor, it woud seem any proof of ID. Strange that I can not withdraw £500 from a cashpoint machine with my PIN but can withdraw £500 over the counter (the maximum apparently) without a PIN!!!!

They also managed to make purchases on two of the cards in Kew Branch of M&S on the Saturday without using the PIN. When we contacted M&S this morning to question why they allow spends on cards without the PIN they weren't interested and stated that it was their policy to accept payents on Debit Cars with a signature for any amount of money and will only refuse if the bank has notified them. What is the point then of Chip and PIN?

As I understand it in this scenario the bank will refund you the money. Its M&S who lose out on the transaction as the Bank won't insure M&S for card fraud where a pin number wasn't obtained (unless they obtain special authorisation over the phone).

I assume M&S have made a business decision to take this risk.

saxonsdad

goater78 wrote: »

As I understand it in this scenario the bank will refund you the money. Its M&S who lose out on the transaction as the Bank won't insure M&S for card fraud where a pin number wasn't obtained (unless they obtain special authorisation over the phone).

I assume M&S have made a business decision to take this risk.

The Bank have started to refund the money and, to be fair, the local branch have been very supportive over this. Thing I founf surprisung was the attitude of M&S when we spoke to them, essentially they weren't interested. Have since e-mailed their customer services on this and still waiting for an response!