Don't cut up your chip n pin card

System

derrick wrote: »

Didn't the bank say she admitted giving her PIN to someone,(her sister?), which she never denied or admitted.

Proof she was in work does not prove she had the card with her or where it actually was, therefore someone with the details could have used it.

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I don't think so. From what I can remember the woman was adament that she was in work with her card at the time of the transaction. The bank "lost" the cctv footage and their transactions log said her card had been used to withdraw the money.

The only proof that her card hadn't been the one to withdraw the money was in the chip on her card, which she had destroyed on the advice of the bank.

It therefore just seems common sense if you are a victim of fraud to keep hold of your card and not destroy it.

I don't understand why people believe its a good idea to destroy the only piece of evidence that can prove it wasn't your card that withdrew the money! It seems idiotic!

vax2002

Nilrem wrote: »

That's what I thought, the chips have yet to be compromised AFAIK.
However that doesn't rule out all kinds of fraud, but does tend to make it much more likely the fraud was at least partly helped by the user being less careful than they should have been with the card/pin.

A published UNIVERSITY research paper 4 years ago shot this pedalled myth out of the water first hit.
The banks "opted" for cheaper security and ignored dozens of security experts warnings, the data can be intercepted with a safety pin, 30 pence of wire and a laptop or PDA from any chip and pin reader and the banks bloody well know this, well not everyone at the banks does, they certainly dont tell those who's job it is to deny it happens.
Once the crook has the data, the card and chip are cloned very quickly.
The banks spent millions on legal bills and injunctions fighting the research paper, they failed to suppress the truth.

derrick

goater78 wrote: »

I don't think so. From what I can remember the woman was adament that she was in work with her card at the time of the transaction. The bank "lost" the cctv footage and their transactions log said her card had been used to withdraw the money.

The only proof that her card hadn't been the one to withdraw the money was in the chip on her card, which she had destroyed on the advice of the bank.

It therefore just seems common sense if you are a victim of fraud to keep hold of your card and not destroy it.

I don't understand why people believe its a good idea to destroy the only piece of evidence that can prove it wasn't your card that withdrew the money! It seems idiotic!

Doesn't matter where she was, where was her card?

In the video, @ 6 minutes in, the bank state that security was supplied including photo I.D.

@ 24 minutes and 15 seconds in, the bank says that she admitted to them that "she had shared her PIN with people she trusted".


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System

derrick wrote: »

Doesn't matter where she was, where was her card?

In the video, @ 6 minutes in, the bank state that security was supplied including photo I.D.

@ 24 minutes and 15 seconds in, the bank says that she admitted to them that "she had shared her PIN with people she trusted".


.

The bank may state that security was supplied but they don't say what security it was, i believe they say it should have been photo id. However they have very conveniently lost the CCTV footage that proves this. The only proof we have is that the cashier said she asked for security and photo ID. I think that it is in the cashiers interest to say that this was provided otherwise they may lose their job.

I believe that everybody will have told someone their pin number. My ex knew my pin number, just because you've told someone you trust your pin number does should not mean that if your card is copied someone has the right to take the money out of your account!

I feel I must go back to the main point which is that the only definitive proof that it was or wasn't her card rests on the chip of her card. This is why you should not destroy your card!

If it happens to you then obviously you will just destroy your card and accept the banks decision when they say that it was definietly your card and they won't refund £17k.........

maninthestreet

goater78 wrote: »

I believe that everybody will have told someone their pin number. My ex knew my pin number, just because you've told someone you trust your pin number does should not mean that if your card is copied someone has the right to take the money out of your account!

Well, I certainly haven't divulged any PIN number to anybody.

System

maninthestreet wrote: »

Well, I certainly haven't divulged any PIN number to anybody.

To be honest if you've got nobody in your life who you trust with your pin number then i feel a bit sorry for you.

blondie7

goater78, I would still have to order the 9k, and it would be 24hrs notice.

I think the northern rock was a completely different situation.

As for cloning the cards this can be done as my mam's card and clearly the chip was cloned, it happened at the cash machine outside the branch where the card was registered. It was then used 3 months later to withdraw cash from a cash point in another country, and no my mam had not left the country.

I was told all the above information from the fraud department and yes she got the money back with no problems.

System

blondie7 wrote: »

goater78, I would still have to order the 9k, and it would be 24hrs notice.

I think the northern rock was a completely differant situation.

As for cloning the cards this can be done as my mam's card and clearly the chip was cloned, it happened at the cash machine outside the branch where the card was registered. It was then used 3 months later to withdraw cash from a cash point in another country, and no my mam had not left the country.

I was told all the above information from the fraud department and yes she got the money back with no problems.

I don't think thats the chip, its the stripe on the back of the card which is cloned for cash machine fraud. I believe this is alot easier to do.

andygb

maninthestreet wrote: »

Well, I certainly haven't divulged any PIN number to anybody.

No, and neither do I or I suspect most people.

cherie1122

I wouldn't dream of divulging my PIN to anybody else and yes, I do trust the people around me

My card got cloned recently the the fraudsters paid a large parking fine, bought road tax and insured two cars with Tesco car insurance. I got my money back but never did find out if the thieves got caught. I thought it a bit stupid to insure and tax cars with a fraudulant card.