Fraud on Debit Card.

bunny_brainz

Last week, my debit card details were compromised. I was victim of attempted robbery - someone rummaged through my bag, took my debit card out my wallet, and has clearly copped a look at the Pay Slip I had in my bag as well.
Because my card wasn't taken, I didn't think to cancel my card at the time - stupid I know - but the person who went through my bag was caught, detained and arrested, so I genuinely didn't think anything untoward had happened.

A few days later, a charge of £69.99 was applied to my debit card via the internet by a company called myloan. Never heard of them, and not so stupid as to ever pay a loan broker for credit, so I went to my Bank - Barclays - who told me I was SOL and that I would have to call the company concerned and tell them I've changed my mind and want my ££ back.

Now bear in mind that I never even entered into this agreement and it's a fraudulent transaction, surely Barclays are in the wrong? As it is, they were so unhelpful, I contacted the company, who were actually really helpful. They took the crime reference number, and have said they're more than satisfied it wasn't me who applied for this loan, and they're going to refund me the money. Which is nice of them.

They've also said they'll send me a letter confirming that it wasn't myself who agreed to this, with confirmation that I'll have the funds returned to me, and that they'll contact Lothian and Border Police with the details of another person on the application who *isn't* me.

Surely this shouldn't even have to happen? Isn't it Barclays responsibility to sort this out? Or should I just !!!!!! and be grateful I'm getting my money back?

Better_Off_1983

Hmm... Barclays are in the wrong and right here.

Right because there is not alot they can do because the card details have been provided so it is like you have authorised the payment. But given the circumstances, you advised them that it is fraud and they shouild have really forwarded it to their fraud department and investigated it thoroughly.

The reason why I say they are in the right is because I have had payday loans or had services from companies where they have only had my card details as a method of payment and if I contacted my bank to stop the payment, they would tell me that I would have to put a permanent stop on the card because the companies will keep trying.

I have a Barclays account, they are not my main bank. Are your sort code and account number on the card as well because I am not sure if they would be compromised as well? Make sure you do not have any bogus direct debits or standing orders set up.

You are quite fortunate to get the money back, it is great that they took a crime ref. number. Did you get a name of the person you spoke to and the time so if there are any problems, you can say you spoke to such and such at whatever time on whatever date?

meer53

As you're being refunded i'd let it go and make sure that no-one has access to your handbag again.

Barclays haven't suffered a loss so they won't be interested in doing anything else now.

dealer_wins

Dont believe that a mugger would take a debit card out of a purse then put it back.

That must a first amongst the criminal community! I call BS

meer53

dealer_wins wrote: »

Dont believe that a mugger would take a debit card out of a purse then put it back.

That must a first amongst the criminal community! I call BS

The other unusual thing is that they used the card just the once ?

p00hsticks

dealer_wins wrote: »

Dont believe that a mugger would take a debit card out of a purse then put it back.

That must a first amongst the criminal community! I call BS

On the contrary, if someone simply takes a note of all the card details (name, number, expiry date and CVV) and puts it back, they will have all the details needed to make purchases online and probably valid for a much longer period of time than if they had removed the card and the person had subsequently reported the card as stolen.

jonesMUFCforever

p00hsticks wrote: »

On the contrary, if someone simply takes a note of all the card details (name, number, expiry date and CVV) and puts it back, they will have all the details needed to make purchases online and probably valid for a much longer period of time than if they had removed the card and the person had subsequently reported the card as stolen.

Where this argument falls down is that retailers will check the cardholder's registered address before proceeding - so why would a fraudster go to the bother of ordering stuff to come to your home address?

Mrs_Ryan

Barclays, I've discovered to my cost in these last few days, are useless when it comes to fraud.

Firstly when six transactions I didnt recognise popped up on my account, they refused to cancel my debit card. Thats right, refused. It was only because I shouted long enough and loud enough and insisted they did that they stopped it. Then they said because I've dealt with payday loan companies in the past (yes, I know, but I've learned my lesson) that it was clearly one of them as 'they dipped into peoples accounts when they owed them money' Er, but I dont owe them any money, I said. The advisor then said I would have to call every company I had ever dealt with and ask them had they taken any money - unbelievable!!
I got quite annoyed then and said I was fairly sure it wasnt any of those and was there anyone who could tell me anything as it was costing me a fortune already and I refused to call these companies as I shouldnt have to.
Fraud told me within about 2 minutes who the payments had gone to and provided me with a phone number. It turned out to be my Debt Management Company - their systems had gone gaga and duplicated the transactions 5 extra times :eek:
Im moving my account to RBS....

bunny_brainz

dealer_wins wrote: »

Dont believe that a mugger would take a debit card out of a purse then put it back.

That must a first amongst the criminal community! I call BS

Call it whatever you like, asshat It wasn't replaced in my wallet either, it was left loose in my bag.

And it wasn't a mugger - if you'd read the post properly - and I assume you didn't, I'm guessing you got a stiffy at the chance to be a jerk to a n00b - I was a music practise with a drumming group. Someone, who we assumed to be connected with the proprieter of the venue came into watch us, and about ten minutes later, he was caught surreptitiously rummaging through our bags. Hardly the legal definition of mugging, is it?

And there's two fraudulent charges on my account, though the card's now been cancelled.

marleyboy

Originally Posted by dealer wins
Dont believe that a mugger would take a debit card out of a purse then put it back.

That must a first amongst the criminal community! I call BS

You can do far more damage to someones bank account, if the holder is unaware their details have gone astray. Generally, as soon as an account holder realizes their cards are missing they cancel them straight away, rendering the stolen card worthless.

Account\ID theft is far more common than card theft, because it is much easier to use the details of an account that has NOT been cancelled or closed as a result of an unsuspecting theft. Only a complete n00b wouldn't know this to be the case.

meer53

Mrs_Ryan wrote: »

Barclays, I've discovered to my cost in these last few days, are useless when it comes to fraud.

Firstly when six transactions I didnt recognise popped up on my account, they refused to cancel my debit card. Thats right, refused. It was only because I shouted long enough and loud enough and insisted they did that they stopped it. Then they said because I've dealt with payday loan companies in the past (yes, I know, but I've learned my lesson) that it was clearly one of them as 'they dipped into peoples accounts when they owed them money' Er, but I dont owe them any money, I said. The advisor then said I would have to call every company I had ever dealt with and ask them had they taken any money - unbelievable!!
I got quite annoyed then and said I was fairly sure it wasnt any of those and was there anyone who could tell me anything as it was costing me a fortune already and I refused to call these companies as I shouldnt have to.
Fraud told me within about 2 minutes who the payments had gone to and provided me with a phone number. It turned out to be my Debt Management Company - their systems had gone gaga and duplicated the transactions 5 extra times :eek:
Im moving my account to RBS....

So it wasn't fraud at all and Barclays were correct then ?

Why are you moving your account ? Barclays aren't at fault here are they ? It was your Debt Management Companys fault.