what happens next?

camuk81

Just to clarify shops can still sign, they don't like to but they are obliged to.

Prime example how can a blind person enter a pin number into a pin machine. They can however make a mark.

Card cloning is very easy, this is why you are reminded not to let your card out your site and then they can use any "blank card" in the past they have been found to use mobile phone top up cards to create a clone.

Mat_hev

please forgive me for being a novice but what is a 'SAR' and how do I go about getting one? Thanks

eddddy

Mat_hev wrote: »

... Another strange detail is that when i received a copy of the fraudulent transactions the cc had a different expiry date than the genuine article...

If the cc expiry date is wrong, your card almost certainly wasn't swiped in the reader. (Magnetic readers either read a card or fail to read a card, they don't 'mis-read' an expiry date.)

So I would guess the number was keyed in. Does it have the word "KEYED" on the copies of the receipts that you received?

But I'm very surprised that keyed transactions with the wrong cc expiry date were accepted. Checking the expiry date is supposed to be a basic security check to stop this type of fraud.

Have you ever lost a credit card statement (in the post or otherwise)? Or any other document with your cc number on?

It could be that somebody got your cc number from a statement and keyed it into the machine at the shop. CC statements don't have cc expiry dates on them (partly for security reasons - precisely to stop this type of fraud).

If this is really what happened, I guess the shop keeper must have been involved in the fraud - keying in a credit card number from a piece of paper, and allowing the customer to sign.

jonesMUFCforever

camuk81 wrote: »

Just to clarify shops can still sign, they don't like to but they are obliged to.

Prime example how can a blind person enter a pin number into a pin machine. They can however make a mark.

Card cloning is very easy, this is why you are reminded not to let your card out your site and then they can use any "blank card" in the past they have been found to use mobile phone top up cards to create a clone.

Just to clarify - you sign if you have a chip and signature card.
With a chip and pin card a pin should be entered and the terminal says yes or no.
If the reader for any reason cannot get a positive reply and the shop lets you sign, the liability of any fraud changes from the bank to the retailer.

Mat_hev

Our cc's were about to expire. We did not receive replacements ahead of time which make me wonder if somehow they were intercepted. It just seems v odd that they were only (to my knowledge) used twice and on the same day that I went into the store. Not before or since.Guess it will remain one of life's little mysteries.

WRINKLES

Mat_hev wrote: »

please forgive me for being a novice but what is a 'SAR' and how do I go about getting one? Thanks

Hi Mat a SAR is a subject access request / you send a ten pounds postal order or cheque with your request / they have 40 days to send back all information they hold on you going back six years / this will include all recorded phone calls and any information on computer or paper / in fact everything / they have 40 days to comply with your request / they have no way out of this / send your request recorded delivery / download proof of delivery and signature from the royal mail website this will be on your receipt from the post office / keep this safe / await their response / if they fail to comply with your request you should then make a complaint tp the Information Commissionairs office / sugest you go to the Debt Free Wannabe Board AND FIND THE CORRECT SAR TEMPLATE as there are more than one I am a regular on DFW and will guide you if you have problems finding what you need . ps MAKE SURE YOU KEEP COPIES OF ALL LETTERS YOU SEND ...MOST IMPORTANT