Fraud!

Juicy_Tube

I checked my current account on Monday via mini statement and discovered that almst £2000 had been fraudulently taken from my account!

This was done with a switch card, presumably via telephone/post, and paid to a well known computer company.

I am not sure how this has happened, still have card with me?

Awaiting bank to get back to me with further details and in the meantime have signed a disclaimer form saying I know nothing about this transaction. But how do i stand from a legal point of view?

Has anybody been in a similar situation? I would appreciate any info you have/experiences.

I am very careful with cards and shred everything too.

Help please!

Thanks JT x

pickle

My husband was visiting the UK and someone had copied his card during a transaction and found someone had taken thousands of dollars out. The credit card company, Amex, wiped the expenses out without any hassle. That was almost 10 years ago now.

Becles

I bank with Smile and someone cloned my debit card. It had never been used on the net or been out of my sight. It was being used with a totally different name on, so Smile thought the number had been generated with special software.

Someone was spending money in Hong Kong using it. The first I realised anything was wrong was trying to get cash while on a holiday in London and the machine 'ate' my card.

I phoned Smile who were great. They blocked the card immediately. As I was on holiday with no money, they made arrangements for me to pick up some money from a Co-op bank branch in London. I thought that was a nice touch and felt well looked after.

I had to sign something to declare I didn't make the transactions and they refunded the money to me.

shiller_supreme

Kiss that money good by baby.....thats the last you will see of it.What computer did they buy.Do you know the spec. :beer:

sunflower_2

when i moved house, halifax didnt change my address and sent my debit card to old house

the "thing" in there used my debit card to pay her bills over the telephone for months before i realised (came to just under £700).

halifax didnt take it very seriously at first
i had to go into the branch and complete a form detailing all the unauth debits

i didnt hear anything for a couple of weeks
but when i complained to a manager in the fraud department, the money was credited to my account the next day

the "thing" got a police caution :mad:

if its fraud - you are entitled to your money back

the banks are insured for this type of thing...

IvanOpinion

There used to be no argument about getting your money back but now many credit/debit card providers are putting out statements that the onus is going to be on the owner of the card - which is somewhat worrying.

I personally think it would be better if the majority of cards only allowed deliveries to the registered address of the card holder (I know that would not help in one case cited above - i.e. the horror movie starring 'the thing'). A lot of people want stuff delivered to alternative addresses maybe such addresses could be registered with the credit card company or possibly a second card that allows delivery to other addresses could be provided (with a lesser credit limit and the option of insurance to cover you in case of fraud).

Either way I think that insurance companies are going to start jumping on the band wagon and selling insurance to cover credit card misuse (some already do). This is just another form of insurance to add to the never ending list of policies that we seem to need in modern society.

Ivan

rchrisp

in Australia, new cards are never sent by post - you have to go into a branch with ID and sign for it. obviously it's not going to work with some of the online bank etc, but there's no reason why it couldn't be done with the big four...

rachael

Juicy_Tube

shiller_supreme wrote:

Kiss that money good by baby.....thats the last you will see of it.What computer did they buy.Do you know the spec. :beer:

Blumming hope not!!

Just signed a disclaimer form today. Bank still waiting for the computer company to get back to them with all the details. It seems it has been done over the phone-presume that because the address given by them won't be mine, it should help??

Some one told me today that it is up to the company to prove that I made the purchase. It will be them liable to pay back the money, if I am correctwith this info.

Thanks for your replies,

Will keep you updated. Still worrying me how on earth these people get hold of information.

JT x

Natelle_2

We received a telephone call, ysterday, from HSBC card fraud department querying 2 transactions that were trying to be charged to our card for computer equipment for a combined total of £1950 from an internet order. We confirmed that the card was still in our position and that the transactions were fraudulant. The HSBC acted promptly, cancelled the card, confirmed new cards would be issued, and that the transactions would not be charged to us. On this occassion well done the HSBC.

I would point out that in order to ensure this was not a scam to obtain further personal details from us, no questions were answered by during the first call. I telephoned the HSBC on customer services, using alternative number, not 0870 or 0845, to verify authenticity of original call, before disclosing personal details.

Juicy_Tube

Thank the lord! Money been refunded to acount today -yippee! Thanks to Natwest for updates etc.

Still not sure how this was done though, but do hope to get some info from fraud department...

JT x

jaimeo

On what info they had to have in order to make online purchases. If it was just the number, then they could have got it off any old receipt or even had it internet generated. Your card was probably skimmed and then the details used by a thief too lazy to clone it!

Its really easy to buy stuff from certain sites...which is why your bank refunded you....the onus is on the merchant having never actually seen the physical card and yet accepted payment.