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Please help

winkworth
winkworth Posts: 4 Newbie
in Credit cards
I have recently returned of holiday from Poland, while I was in a nightclub my card was cloned and maxed out to roughly £6000. The bank is not believing me as they used my pin, I don't know how they got my pin number as I wasn't negligent. I have been to citizens advice and they are looking into it but the guy didn't seem very knowledgeable on the subject. PLEASE HELP AS THIS IS REALLY STARTING TO AFFECT ME.
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Comments

  • dealer_wins
    dealer_wins Posts: 7,334 Forumite
    If your card was used in a Chip and Pin machine it cannot be a clone, as a cloned card wont be able to be used in a chip and pin machine.
  • winkworth
    winkworth Posts: 4 Newbie
    How did they manage to use my card as I still have it so it wasn't stolen.
  • HiToAll
    HiToAll Posts: 1,297 Forumite
    de ja vu post
  • bargainbetty
    bargainbetty Posts: 3,455 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    You can ask for copies of the bills from the nightclub to show how the costs mounted up. Then try to work out what has happened from there.

    If it was a chip and pin transaction then you probably authorised it. Sorry to ask, but how drunk were you?
    Some days, it's just not worth chewing through the leather straps....
    LB moment - March 2006. DFD - 1 June 2012!!! DEBT FREE!



    May grocery challenge £45.61/£120
  • gb12345
    gb12345 Posts: 3,055 Forumite
    winkworth wrote: »
    How did they manage to use my card as I still have it so it wasn't stolen.

    Did you check the amounts that you were authorising when you entered the PIN?

    Also, how many "fraudulent" transactions were there?

    And finally out of interest (I'm sure everyone else wants to know as well) did the "nightclub" offer certain private function?
  • grumbler
    grumbler Posts: 58,629 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    If it wasn't chip&pin transactions, that seems to be very likely in Poland, it really could have been a cloned card and IMO the bank doesn't have a leg to stand on.
  • HiToAll
    HiToAll Posts: 1,297 Forumite
    https://forums.moneysavingexpert.com/discussion/4568815
  • winkworth
    winkworth Posts: 4 Newbie
    I wasn't drunk and I only used the card once (yes it was a strip club) but I didn't pay for anything, I have looked at trip advisor and it seems to be very common there I would post the link but its not letting me.
    I defiantly did not enter the pin myself our authorise these fraudulent transactions.
  • gb12345
    gb12345 Posts: 3,055 Forumite
    winkworth wrote: »
    I wasn't drunk and I only used the card once (yes it was a strip club) but I didn't pay for anything, I have looked at trip advisor and it seems to be very common there I would post the link but its not letting me.
    I defiantly did not enter the pin myself our authorise these fraudulent transactions.

    Did you enter your PIN at any time and how many transactions have been processed?
  • grumbler
    grumbler Posts: 58,629 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    edited 29 May 2013 at 4:37PM
    winkworth wrote: »
    I only used the card once
    Once or once in the club?

    I think that it's not a fact that the card details were intercepted in the club. This could have happened in any other place or even ATM.

    Were all the extra transactions made in the same club?
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