Win 7 Security 2011 $59.95 - Urgent Help Please

RussJK

Deleted_User wrote: »

Would you believe they 'hacked' into this and actually presented it as a secure transaction. The issue is on going with Halifax Credit Card Customer Services but can you believe that my 'Secure' code was breached. Halifax (unless they suggest I am lying) cannot hold me responsible for this. I have posted this on Consumer Rights but wanted to post it here - just as a follow up because I posted my problem here first.

No good. Was the 'secure code' written somewhere on the computer? If so, they could have easily accessed that. The other main possibility is that they used a keylogger depending on how the code is entered.

When you had originally changed your passwords, was this over the phone?

Do you have a new 'secure code', and was it the new or the old 'secure code' which they used?

[Deleted User]

RussJK wrote: »

No good. Was the 'secure code' written somewhere on the computer? If so, they could have easily accessed that. The other main possibility is that they used a keylogger depending on how the code is entered.

When you had originally changed your passwords, was this over the phone?

Do you have a new 'secure code', and was it the new or the old 'secure code' which they used?

Hi RussJK - What a long story but it is on the brink of being resolved now.

The secure code, as far as I know, was not written on my computer as such - although when, in the past, I legitimately bought goods on line I, in response to the window requesting it appropriately, gave my secure code details.

When I originally changed my on line banking passwords the gentleman from the credit card company gave me 'half' a password numerals on the telephone and told me he would immediately send me an email with the remainder of the password. The instructions (which I followed) were to log in with the complete new password and a window would come up (and it did) asking me to reset my password. I did this - but - it did not occur to me to, separately, also change the password for Halifax Secure. Because the transaction was on 07 May 2011 and I changed my password for logging in on 08 May (at about 1 am) I am assuming that the 'old' Secure Code was used. I did not know to change my Secure Code password until much later - although I changed it as quickly as I realised I had to do that as well as changing the 'main' on line banking password.

I now have a new Secure Code because I did this myself as quickly as I found out that the Secure Code had been 'breached' - if that is the right terminology. (I really am 100% sure I never keyed in the Secure Code during the transaction.)

The up to the minute update is that a lady from Customer Services telephoned me and this morning she said that the request for the money has 'dropped off' my account and I would now not be charged anything for the transaction - it would have been $59.95. So it is no longer pending - thankfully. She gave me her direct contact details should there be any problems relating to this transaction in the future. She said that she would personally monitor my Credit Card Account over the next few days to ensure that this company did not try again to claim the money. She was very reassuring.

I can only say that I have learned a hard lesson and I'll be super vigilent in the future.

The positive thing is that the techie folks on this site (you in particular gave a massive amount of time) have helped so much. I would have (technically speaking of course!) sunk - well and truly - without this valuable help, information and practical support.

Thank you again just doesn't cover it - if you know what I mean.

Crimson

RussJK

Deleted_User wrote: »

So it is no longer pending - thankfully. She gave me her direct contact details should there be any problems relating to this transaction in the future. She said that she would personally monitor my Credit Card Account over the next few days to ensure that this company did not try again to claim the money. She was very reassuring.

I can only say that I have learned a hard lesson and I'll be super vigilent in the future.

I'm really glad! And it would have been a relief to have someone be more sympathetic on the phone as well. Thanks for the followup.

It might be worthwhile to get an external drive (e.g. Western Digital elements) to back up all your personal files, just in case you have this trouble again. Take care.

[Deleted User]

RussJK wrote: »

I'm really glad! And it would have been a relief to have someone be more sympathetic on the phone as well. Thanks for the followup.

It might be worthwhile to get an external drive (e.g. Western Digital elements) to back up all your personal files, just in case you have this trouble again. Take care.

Thank you, RussJK. I don't no exactly what an external drive is - but I'll do some homework!

I have my files copied to a USB stick and I have two disks which I copied to CD's - Toschiba Recovery Media.

I also have - I think it was already on my computer but Ihad to activate it - backup file running.

I am about my lack of knowledge but I really am learning!

With some apprehension but mostly major relief :j!

Crimson

brummiekev

Deleted_User wrote: »

I know this is a separate but related issue but any help/information will be appreciated. If this is not the right place to post this please let me know. I have just had a stressful telephone conversation with my Credit Card Disputes Department regarding this problem.

They are not willing to refund the disputed amount for this scam ($59.95 to a rougue company) because they say I cannot prove that they did not provide me with the service they have charged for. They think I should have a link, email or other address for this company to send to them as proof and I have nothing.

As soon as I paid by credit card the icon completely disappeared. The gentleman from the credit card company said that because I had willingly giveln my card details and I am resposible for payment. The fact that it was a scam, because I cannot provide any evidence, he tells me is irrelevant.

I explained exhaustively about it being a scam etc. etc. but no no avail. I suggested that since Ihad not received any 'protection' as they described the non existent product was not fit for purpose.

The gentleman said I would have to prove that they had not provided me with it - it was malware or something so I have no evidence at all. I was advised to seek a computer expert's report to prove that my computer had not received this product. Of course I am upset - but how can they do this? The expert report they wish would probably cost more than the $59.95 I was fraudulently charged in the first place and could (even if it existed) never have been fit for purpose. It seems so unfair. Can they actually force me to pay (I pay my credit card bill in full every month by direct debit) even though they don't accept my dispute? The conversation, which was very upsetting, had me going round in circles and, in the end, I had to admit defeat - he was too 'strong' for me to continue to challenge.

The credit card say that the $59.95 is pending and that, unless I can prove it was fraudulent, they will pay and I will have to agree to it.

Any comments or advice please?

Thank you all.

Crimson

i fell for the same scam also. just had a call from disputes dept at lloyds/tsb. they said i paid for a service which i recieved, therefore they cannot do anything about it. i explained that it was a criminal activity and that i was duped. they are just not interested, stating i paid for a service, i recieved a service.
i gave an example that i could send armed robbers to their bank to get my refund. if i paid them to do this service for me would that be alright even though its a criminal activity.
they re=itterated. i am responsible for giving out my details. i got what i paid for.
they basically condone fraud, if it doesnt cost them.
i also pay £6.99 per month credit card protection. still they wont listen.
i cant see a solution to this other than to write of my loss and cancel all lloyds/tsb accounts/ cards that i have.
i hope this will give other people trying to claim some tips.

kevin