Card skimming - money withdrawn from cashpoints

Cash_Flow

lisyloo wrote: »

Somehow they must have got hold of my pin.[?QUOTe]

They can get your PIN from a tiny camera on the ATM.
For this reason I cover one hand with the other when using an ATM so that even a camera can't see it.

Make sure you take a good look at the key pad as fraudsters often cover these with dummy pads that record which buttons have been pressed.

http://www.infosecisland.com/blogview/10746-New-Fake-ATM-Keypads-Extremely-Difficult-to-Detect.html

ALIBOBSY

tomsco wrote: »

The telling poing will if the cash was withdrawn via chip and pin. If it was you maybe SOL because chip's at this stage cannot be duplicated. So the only way the would have been able to do it would be with the card currently in your possession and with knowledge of your pin. Let us know of any update.

Having just watched a programme (fake Britain)where they use fake readers (real machines in shops etc with "extra" tech in the insides) to produce clones of chip and pin cards this is obviously wrong. The expert on there stated the banks are sticking to the line that chip and pin cannot be copied and is secure as they are worried about a raft of fraudulent claims if the truth came out.

Good article here
http://www.metro.co.uk/money/69501-how-thieves-bypass-bank-card-pins
where the crims bypass the pin altogether.
Or here
http://www.bbc.co.uk/blogs/newsnight/susanwatts/2010/02/new_flaws_in_chip_and_pin_syst.html

It is clear the banks are using the line "you mustn't have looked after your pin" to get away with not paying out on fraud.

The only people chip and pin was ever meant to protect was the banks. Stick to your guns and insist on each transaction you didn't make. Obviously once they confirm when and where each transaction took place you can look for further evidence to support the fact it wasn't you. But don't let them bully you into believing chip and pin is secure and that's it.

Ali x

ALIBOBSY

tomsco wrote: »

The telling poing will if the cash was withdrawn via chip and pin. If it was you maybe SOL because chip's at this stage cannot be duplicated. So the only way the would have been able to do it would be with the card currently in your possession and with knowledge of your pin. Let us know of any update.

Totally wrong see the links in my post and many, many other articles online this is the line the banks are peddling to try to fob fraud onto the customer. They can fake the card and get around the pin.

As I understand it home office figures show card from has increased since the advent of chip and pin.

Ali x

antrobus

See Regulation 62 of The Payment Services Regulations 2009

payer is liable up to a maximum of £50 for any losses incurred in respect of unauthorised payment transactions ... where the payer has failed to keep the personalised security features of the payment instrument safe, from the misappropriation of the payment instrument

Complain to bank and request return of £1,500. Take it to FOS if necessary.

CLAPTON

juliatimms wrote: »

Hi
It's an old aussie debit card - without chip technology. I still have to swipe it to use it in the UK - so guessing that is why it was targetted. Somehow they must have got hold of my pin. Anyhow will keep my card safe and not cut it up. Thanks everyone.

if it's an old aussie debit card - without chip technology

so how is a pin relevant?

reclusive46

CLAPTON wrote: »

if it's an old aussie debit card - without chip technology

so how is a pin relevant?

Pins have always been used on ATMS even before chip and pin.

chattychappy

juliatimms wrote: »

Hi
It's an old aussie debit card - without chip technology.

Ah... it's likely that Australian law/regs will apply... Just as if a UK person with a UK card had a problem in Australia, the dispute would be dealt with under UK law.

Hanky_Panky

ALIBOBSY wrote: »

Totally wrong see the links in my post and many, many other articles online this is the line the banks are peddling to try to fob fraud onto the customer. They can fake the card and get around the pin.

As I understand it home office figures show card from has increased since the advent of chip and pin.

Ali x

Tomsco is correct - the bank can identify if the genuine card with genuine chip and pin is used together - all the other cases I read about are cloned cards.

James

Cash_Flow wrote: »

Good point.

My experience came about when my card was caught by a card retaining device but I though it had been swallowed by the ATM and stupidly never reported it as lost.

Because I was able to give a honest account of the indecent I had the money returned so credit to Halifax for that one.

Or maybe Halifax just confirmed there was a card trapping device present when your transaction was made.