credit card fraud? have you been done recently?

James

Kathy73: You've done the right thing and informed your card issuer. If you've other cards you should check your statements immediately. An option is to inform your card issuers that you THINK someone may have your card details. Tell them you've been a victim of CNP fraud. They should issue new cards.

You can take proactive steps to prevent anyone obtaining cards or a loan in your name or using your address:

Check out www.freeidprotection.co.uk (Which is applicable to ALL lenders and is Cheaper than CIFAS Protective Registration which is only applicable to CIFAS members (not all lenders are CIFAS members)).

John_Pierpoint: here a a few suggestions on a new thread started recently:

Card Security - a solution.

poohbear1

Thanks James.

John_Pierpoint

Hi fellow moneysavers,

When I went to the USA last year, the customs at the airport were collecting (on behalf of CIA & MI5/6 ?) index finger prints. First finger right hand, if I remember correctly. So we seem to be setting up two global (?) standards ?

I have also heard the inventor (?) of Iris scanning complaining that the finger print technique creates so many false positives that it is useless for mass screening. (!?!).

Finally, if you are crazy enough to start your day at 05:30, yesterday you might have heard first on "Five Live Wake-up to Money" and later at 06:15 ish on Radio4 "Today", an American representative of Trend Micro. He was claiming that organised crime is giving up physical crime and taking over the E-money or Cyber-gold business. In total E-Crime is growing exponentially, doubling every couple of years. The FBI has some world total figure that is so huge I cannot remember how many zeros are on their estimate. You have been warned. The odds are that if you are someone who conducts transactions over the net you have a one in 10 chance of being a victim in the next 12 months. You might even see your personal details being auctioned off via IRC.

John.

http://en.wikipedia.org/wiki/Internet_Relay_Chat

James

Why a Thumbprint?

Easy answer:

It's not used to prove YOU are who YOU say you are, but to deter others stealing your ID and pretending to be YOU.

Your print is only provided IF someone is stupid enough to submit their PRINT when they pretend to be YOU. (As it would be for most types of physical crime to use for elimation purposes).

Businesses and Banks are using this technique with great success. All I'm suggesting is that consumers can make it work for them too. If they so wish.

Car Rental Companies are use the system to make sure their cars are returned.

Car Hire.

Petrol stations to make sure those who've filled up and forgot their cash or cards return and pay.

Garages.

Retailers used the same system to deter card and cheque fraud. The system worked will ALL cards and Cheques, help ID crooks and not one signle disputed transaction.

Plastic Card & Cheque Fraud.

NO false positives, NO central databases.


Consumers as I've said can make this system work for themselves if they so wish. Crooks don't have a choice.

www.freeidprotection.co.uk

James

Check This Out:

Posted 13 Sep

Debit Card Fraud.

knowledgeman

I work for a bank and the official line is that whilst the card can check the pin offline i.e within the chip itself to date there has not been one known case were a fraudster has managed to access the pin from the chip or counterfeit the chip

This would be imo backed by the fact as someone who takes 100's of calls a day on fraud Ive yet to see a case were someone has had the chip counterfeited and if fraudsters had worked it out we'd get hammered with them like we were a few years ago when counterfeit scams were at their height in the UK

The truth is that a lot of people do carry their pins and in most cases they vehrmently deny it as it doesnt suit them to admit it

as for the new stuff my bank hasnt roled it out to comment but Id highly imagine if/when we do we will adopt the policy we do with all other pin items in that if it is known the cardholder has either acted negliently or it is someone known to them, well at least in the vast majority of cases

We do accept some cases will be a look over the shoulder case but these are normally identifiable through the pattern/facts

inmypocketnottheirs

The whole essence of chip and pin is to shift the blame from the bank to the customer.

knowledgeman

inmypocketnottheirs wrote: »

The whole essence of chip and pin is to shift the blame from the bank to the customer.

Simple solution is not too carry your security details with you

Frankly if your stupid enough to carry your pin you deserve all that you get and before we get the innocent victims routine if they didnt have their pin it wouldnt happen and all the stories of shoulders etc are minimal and normally covered if the bank are happy that happened

Its the idiots who think a pin should be kept as ____ ____ _pin under bank or even written as pin who get screwed and well I say it serves them right:rotfl:

inmypocketnottheirs

knowledgeman wrote: »

Simple solution is not too carry your security details with you

Frankly if your stupid enough to carry your pin you deserve all that you get and before we get the innocent victims routine if they didnt have their pin it wouldnt happen and all the stories of shoulders etc are minimal and normally covered if the bank are happy that happened

Its the idiots who think a pin should be kept as ____ ____ _pin under bank or even written as pin who get screwed and well I say it serves them right:rotfl:

Sanctimonious claptrap.

Again.

Chip and Pin is not infallible.

Stop reading your manuals and step into the real world.

knowledgeman

inmypocketnottheirs wrote: »

Sanctimonious claptrap.

Again.

Chip and Pin is not infallible.

Stop reading your manuals and step into the real world.

I deal with it every day

Trust me chip and pin is far better than any other systems, it just doesnt suit a minority who are incapable of following terms and conditions

As for reading manuals etc, I think im more likely to know the reality of it than someone whose knowledge relates to one sided consumer websites

Nothing is infallible but chip and pin is extremely reliable as long as you take simple precautions and responsibility

If someone comes on the phone their story and the facts are examined and considered,

If theres an explaination no problem

If its blatant their pin was there then a decision is made based on their history and circumstances for all, min (£50) or none

The amount of people who think a pin is ok in their wallet is unbelievable and frankly if your that thick and under 60/ not disabled then you deserve all you get