credit card fraud? have you been done recently?

fallenwiccan

yeah i work for a retailer too and wherever possible i will not touch the customers card but if it needs swiping i have too

i dont want to run the risk of being blamed for skimming, i wouldnt do it, my mams credit card was done last year luckily we caught it when only £15 had gone on but she never used it and the card had always been in a cupboard at home.

James

If your card's been cloned, PIN nicked and a fraudulent transaction takes place on your account - your in with a shout of recovering your loses eventually.

BEWARE: If your card is pinched, or worse still borrowed and returned, and your card is used with your PIN without your knowledge then you are in deep trouble:

Complaints to the Ombudsman relating to credit card fraud have risen by about 20% since last April. This follows an increase of 40% in the previous financial year.

The concern now is that banks and credit card providers are using the pin-encryption on cards to shift the blame for fraud onto the customer. If a PIN has been used to extract funds, banks might assume that the customer has acted negligently and is therefore liable for any losses.

patwa_2

Hi, please forgive my ignorance, but I don't understand how this fraud is still going on. I thought most online sites (particularly airlines and train companies) required your address to verify the card? And don't most also send the goods/tickets to that address too? If this was the case, would it not also be a case of identity theft? I personally have only seen a few sites that didn't need the address, and maybe only one or two that didn't need the security code.

As for me, I've been done both for fraud and for non receipt of goods. My Natwest card is being billed each month for both an online data storage service and an arbitrage service. Frequent attempts to contact the companies have resulted in no joy. In fact the data storage company told me to phone their US offices (fortunately free through TalkTalk), where a cleaner answered and told me the former owners, the company in question, had vacated the previous week. I admit I did speak to her several times, just to chat, as she seemed a bit lonely and was nice to talk to. Not that it helped as she didn't have a forwarding number. I'm now completing the claim forms for all of the transactions, which will hopefully be refunded and only then will the payments be stopped. Actually Natwest told me they had no authority to stop payments unless they were claimed against, so I might have to pay one or two more months payments before they're finally halted. A bunch of sex toys were bought on the same card, tNatwest think it was a fluke someone actually remembered my details when I was giving my card details over the phone to book a taxi whilst waiting in the street. Hmph, glad they're having fun, at least.

My Nationwide card had a claim on it just a week after opening it. Paypal non receipt of goods and services. Was really embarassing, as the girl at the bank had gotten me a really good limit on the card, actually she said it should have been impossible for a person my age, and then a week later I had to go and tell her I needed re-imbursement for a transaction gone wrong. Luckily she was really nice about it and quickly put me at ease. I still see her from time to time, although fortunately not for banking problems.

debs626

I have come to the conclusion that my debit card details were stole from some online store that I used. Like when stationary goes missing - so do ppls details.

I would like to just point this out too, it takes on average 6 weeks for credit card fraud to be sorted. I takes on average 12 (16 for me) weeks for debit card fraud to be sorted .............. is that fair ?

patwa_2

From doing a bit of reading on the subject, there does appear to be a small difference in the way in which 'debit' and 'credit' transactions are processed. However, there is surprisingly little information on this with regard to the situation in the UK.

Nevertheless, I would agree with you that the time delay difference in getting matters of fraud sorted is not fair. The only answer I can think of is that, unlike in Europe where it is the other way around, because credit card use here is that much more popular, banks are under pressure to sort out problems that much more quickly. Lame answer I know, but I can't think of anything else.

James

PIN Number Theif Targets Women.

Wonder if the card issuers asked this OAP, "How did he get your PIN?"

Luckily she didn't have several cards in her bag that all worked with the same PIN!

Surely it's safer to sign than PIN?

Cerenia

James wrote:

PIN Number Theif Targets Women.

Wonder if the card issuers asked this OAP, "How did he get your PIN?"

Luckily she didn't have several cards in her bag that all worked with the same PIN!

Surely it's safer to sign than PIN?

I've been in 3 branches of MKOne and 2 branches of New Look, signing for all times, and my signature was not checked AT ALL, neither of my cards were origionally signed! (I only realised that after all the shops however), but quite concerned that my signature wasn't checked

VenuS

You have to remember it's not just stores, or petrol stations we use our CC's for. I myself had someone use my debit card to buy top up time for their O2 phone. After proving to LLTSB that It wasn't mine, and I didn't use O2, they gave me papers to sign, and I managed to get the money refunded.

The card which was issued was a brand new debit card, and the only places I used it was over the telephone to pay my utility bills. Makes you wonder though, they do ask you EVERY detail on that card, so how hard can it be, to place another order online and use all those details. They already had my address, postcode etc, they needed no more. People who work for these places, don't need to be checked out criminally to take CC details. Any old thief can get a job if he's a good liar.

So it's not just the dodgy websites out there, it's phone companies, electric companies, etc etc.

What makes me so angry though... is when I asked if I could be told where the culprit came from, they told me they wern't allowed to let me know this information, so basically it could happen again to me.

Insult to injury was when the lady I spoke to in the fraud dept of LLTSB told me, it would be more than likely this WOULDN'T be sought after, as it costs more that £30 to trace where it came from.

Basically these people can get away with small amounts, and can keep doing it :mad:

James

If you read nothing else on this topic then read this

Fraudulent Use of PIN.

I hope the originator re-posts here.

meeeeee_2

My credit card was frauded last year and by the time i found out(when the statement came thru) and the time it took the fraud squad to sort it out we where charged interest and even thou they deducted the fraudulently used money the interest remained and of course over due charges and late payment charges etc etc