gambling fraud

notsurewhat2doo

i know this is to do with credit cards but there is no fraud forum and i have seen threads to do with fraud here so thought i'd give it a bash.

i have been gambling in an online casino for over the past 7 months - even though this has been most days, there have never been any problems.

but this time my fiance who i had an argument with has decided to use my own account (don't need card details just the verification code and verified by visa password) to gamble 10,000 worth of transactions on my online account with the gambling company. so it blatently looks like it was me. he won some back but that's not the point. in the whole 5 months that i've been gambling myself there has never been anything to this amount, maybe a few thousand but it's clear this is a one off.

i don't live with him, but have been with him a number of years and would happily press charges as i am so depressed right now i feel like life isn't worth living and i don't want anything to do with him right now. he's a gambling addict but that's with his own money, he's the one who got me into it and now he's stole my money to feed his addiction.

but the question is, am i right in saying that if i go to my bank to report the fraud, even though i can produce evidence via letter that i have been to the police to report this, and that i was at a hospital appointment during the time that the deposits were made, so there is evidence that it wasn't me... is there any chance of my money back?

ess0two

You obviously failed in your responsibility to keep the password safe?

Totally unsure how it'll pan out,this is the first question the card issuer will ask,re : password etc

notsurewhat2doo

Thank you ess0two.

I never gave out any passwords, but all my email passwords, online groceries passwords etc are all the same so for someone who knew me it would have probably been easy to guess. Not that you'd ever expect someone to do that!

Can hardly say I failed to keep it secure to the average joe bloggs as they wouldn't have a clue, if you get me.

I feel like there is no life anymore

HappyMJ

So you did not have a secure password. You need to have a different password for each and every web site. If you join my web site I can read your password as I am the network administrator. I can then use that password to read your emails to see what gamblling sites you are a member of. I can then use your saved card details to deposit some money from your account and gamble on a football match. I can also lay that money off on a betting exchange and when your bet loses I win on the exchange and I have all your money. If the bet wins I can just bet again until your account is empty. None of this is traceable except by IP address but that can easily be masked. I would never do it but this is how important it is to keep each and every password different and secure.

As you know who took the money the bank can't do anything. It's a criminal matter and a civil claim against him to recover the money. If he has no money it may take many many years to get it back...

dzug1

They can certainly say totally reasonably that you failed to keep your password secure. Having it the same everywhere - insecure. Having it easily guessable - insecure. Giving him (physical) access to the card - insecure.

Unless he pays you back the chances of seeing the money again are slim to zero. Sorry.

AngelsMadv

HappyMJ wrote: »

So you did not have a secure password. You need to have a different password for each and every web site. If you join my web site I can read your password as I am the network administrator. I can then use that password to read your emails to see what gamblling sites you are a member of. I can then use your saved card details to deposit some money from your account and gamble on a football match. I can also lay that money off on a betting exchange and when your bet loses I win on the exchange and I have all your money. If the bet wins I can just bet again until your account is empty. None of this is traceable except by IP address but that can easily be masked. I would never do it but this is how important it is to keep each and every password different and secure.

As you know who took the money the bank can't do anything. It's a criminal matter and a civil claim against him to recover the money. If he has no money it may take many many years to get it back...

This really should be made a sticky somewhere for anyone with multiple accounts.

The other option is to use a password manager that randomises passwords for you. The problem with this is if you want to access that site with a password like SDgnjkfj7m8706k0tf_+_" but don't have the password manager.

The best way to do it is to keep some of it standard but make the other bits site-specific like (for example - it's obviously not mine!):

Angel_MSE_1 this uses caps, numbers and punctuation. :money:

There are hundreds of scams at the moment trying to hack Hotmail accounts because generally, once you have this, people store their password e-mails in this! :eek:

RE: The gambling. My friend had this done to her, by a friend who'd she'd given the password out to to take over in a poker game whilst she went shopping. He not only took over this game, but entered thousands of pounds on others. It was her fault for giving the pw out but she did recover some of it as a good will gesture. I do not think your bank will do anything though unless you pleed absolute ignorance and deny it was your transaction. You would then have to help them prosecute your ex.

meer53

AngelsMadv wrote: »

This really should be made a sticky somewhere for anyone with multiple accounts.

The other option is to use a password manager that randomises passwords for you. The problem with this is if you want to access that site with a password like SDgnjkfj7m8706k0tf_+_" but don't have the password manager.

The best way to do it is to keep some of it standard but make the other bits site-specific like (for example - it's obviously not mine!):

Angel_MSE_1 this uses caps, numbers and punctuation. :money:

There are hundreds of scams at the moment trying to hack Hotmail accounts because generally, once you have this, people store their password e-mails in this! :eek:

RE: The gambling. My friend had this done to her, by a friend who'd she'd given the password out to to take over in a poker game whilst she went shopping. He not only took over this game, but entered thousands of pounds on others. It was her fault for giving the pw out but she did recover some of it as a good will gesture. I do not think your bank will do anything though unless you pleed absolute ignorance and deny it was your transaction. You would then have to help them prosecute your ex.

Pleading ignorance is absolutely the wrong thing to do. The OP needs to continue with prosecuting their ex for theft.

XXSCOTSLASSXX

I think the fact that he had access to the verification code and verified by visa password plus ur online gaming account password and username regardless of whether the passwords are all the same will strongly go against you. Re the verification code this is not a password etc set by you so they would be unable to guess it using info they already know about you.

You have said your fiance does not and did not live with you..... the gaming company will be able to see whether the account was logged into at the usual address..... i work for an online gaming company... and one way security on the account is checked is through an individual ip address. accounts often get flagged and blocked as player has signed in at a different location.. can I ask did your ex also have an account with the same company? as this would have been an immediate flag for a duplicate account.... most if not all gaming companies allow only 1 account per person. it may well be worth requesting the gaming company check this out.

With regards to money back..... the t&cs on both banks and gaming companies are very clear re passwords and card info I would doubt very much any claim would be looked into sorry x u have said you have been to the police I would follow his up...... do you have actual proof that it was fiance or are you assuming it was them, as you said anyone that knew you would be able to guess passwords etc if u have physical proof it was your ex then take that along to the police and request they prosecute. good luck x

By the way are u still with this fiance it doesnt actually state anywhere you are no longer together??

chattychappy

I disagree with what has been written so far.

If the OP did not authorise the transaction, then the OP should dispute the transaction.

As for fraud/theft, it is the CC that is the victim here. The fiance stole the money from the CC, not the OP. So the CC should report the matter and make a civil claim if they wish.

NB negligence in taking care of the password etc., is not sufficient to impose liability on the OP. What is important are the T+Cs and whether the OP gave permission to the fiance to use the card. Note also that just because something is written in the T+Cs doesn't mean it is enforceable.

See http://www.financial-ombudsman.org.uk/publications/ombudsman-news/46/46_plastic_cards.htm on credit tokens, which might come as surprise to some.

It's a tough life being a CC issuer in the UK!

notsurewhat2doo

Thought I'd update you and ask for answers.

Called the gambling site and because I already have an account that's used they are pretty much doing nothing.

Called the bank and because they are secure transactions by verified by visa they say pretty much that it was me so they won't do anything - after transferring me from pillar to post

Called the police got a reference number but they directed me to an actionfraud website which is just for support they don't investigate individual cases etc etc.

No-where to run to.

My only option is to tell the police (which I haven't done yet but I guess I'll have to) that it was my fiance and get him charged and get him to admit (which he says he'll do, surpisingly) that he got my details whilst with me and watching me type the passwords etc etc.

Does anyone know if this would be enough for the bank to refund the withdrawals and deposits which will get me about £20,000 back (there are about 40,000 of deposits and 20,000 of withdrawals). Or if I could go to the ombudsman, would they side with me with the proof it was not me that given any details etc.

Will I ever see my money?

XXSCOTSLASSXX

no offence however have read through your other posts and removed my post

one of the original posts here ...

.....https://forums.moneysavingexpert.com/discussion/3394862

will just wish you good luck with whatever issues u facing at the moment.