Debit Card Scam

usefulmale

The question I would want answering is why you would enter your card details to complete a survey.

robatwork

As your lawyer friend is probably more qualified to give you an answer than anyone here, I would opt for his opinion.

Perhaps he can also help you too.

glentoran99

usefulmale wrote: »

The question I would want answering is why you would enter your card details to complete a survey.

To get the "promised" payment for doing so

tuggy12

usefulmale wrote: »

The question I would want answering is why you would enter your card details to complete a survey.

The OP said:


"It also had my card details displayed. It asked me to verify card as I had moved address."


That implies the OP did not enter the details as they were already there on screen.

wealdroam

tuggy12 wrote: »

The OP said:


"It also had my card details displayed. It asked me to verify card as I had moved address."


That implies the OP did not enter the details as they were already there on screen.

Yes, if you take that sentence in isolation, I agree.

But the very next sentence after the one you quoted was:

tara0000 wrote: »

Stupidly now (I realise) I innocently put the details in.

...which implies that things are not as clear cut as you were trying to make out. Don't you agree?

jrtfan

Bank staff (in branch I mean, not necessarily manning call centres) are often aware of these scams being in existence, I discovered this when I visited a branch of my own bank, after having fallen for a different type of scam.

Do you still have details of the site you visited in your browser history? If so, then I'd suggest you make some screen shots of these particular pages - like those appearing on the link supplied by unholyangel earlier (http://myonlinesecurity.co.uk/congratulations-just-eat-survey-phishing/) - and email these to your bank to pass on to their Fraud Department if needs be. It would't harm to send them a note of the link either, while you're at it, by way of evidencing it's a known scam. You possibly won't be telling them anything they didn't know already but at least you'll be doing something proactive while you're waiting to hear back.

Also, you say the transactions were made somewhere in France. I would think it more likely they were routed via a number of different servers all over the world before reaching France, and the person who made them was using a computer in a completely different country; but don't quote me on this because in your case, it might be different. The Fraud Department must have some way of checking the IP address of the French computer and it might well turn out to belong to a school or a library or similar, so this would be a point in your favour. (I suppose it is theoretically possible that you would have made the transactions yourself and sent them bouncing half-way around the globe so they couldn't easily be traced back to your own machine - but really, how likely is that?!)

Finally:

tara0000 wrote:

It took me onto a website which looked totally genuine and even had the padlock security sign (I always check this as a matter of course). It also had my card details displayed. It asked me to verify card as I had moved address. Stupidly now (I realise) I innocently put the details in.

suggests that before you moved to wherever you are now, you've used your debit card to purchase things from JustEat. Again, it's another point in your favour because when you were asked to confirm all of your details in order that "JustEat" could credit your account with £10, as payment for having taken their survey, it was plausible enough not to ring any alarm bells with you straight away. It could be argued that yes, you did supply these details willingly but on the other hand, you gave them in good faith and they were misused. If that doesn't qualify as fraud, then I don't know what does.


When I was scammed, after visiting my branch in person to alert them to what had happened, I put anything and everything I could think of which might be relevant into an email and sent it over to them. I think I sent 3 emails in total because other things kept coming to mind. Any details you can think of, such as ordering from JustEat in the past for example, just put them in writing and send them to your bank if you haven't already done so. It won't do you any harm and can only strengthen your case that you had reason to believe this was a genuine offer and you were not grossly negligent in giving your details out.

https://www.citizensadvice.org.uk/debt-and-money/banking/banking-security-and-fraud/#identity_theft
https://www.citizensadvice.org.uk/debt-and-money/banking/banking-security-and-fraud/#h-your-account-has-been-used-without-your-permission
https://www.citizensadvice.org.uk/consumer/different-ways-of-buying/buying-goods-and-services-on-credit-or-by-debit-card/extra-protection-when-you-buy-on-credit-or-debit-card/extra-protection-when-you-buy-with-a-debit-card/

These links might have some further information for you.

Meanwhile, has the bank suggested to you that you contact Action Fraud and report this?

jrtfan

wealdroam wrote: »

...which implies that things are not as clear cut as you were trying to make out. Don't you agree?

Hmm, I read that differently. I thought the OP was saying that with hindsight, they realise it was a stupid thing to input their details but everything seemed in order at the time. It's only now that the fraud has taken place, they can see their mistake.

wealdroam

jrtfan wrote: »

Hmm, I read that differently. I thought the OP was saying that with hindsight, they realise it was a stupid thing to input their details but everything seemed in order at the time. It's only now that the fraud has taken place, they can see their mistake.

Yes, I agree with you, but tuggy12 was suggesting that the OP did not enter her details.

SnowTiger

wealdroam wrote: »

Yes, I agree with you, but tuggy12 was suggesting that the OP did not enter her details.

If the scammer had the OP's details already I wonder what the point of the survey was.

Perhaps the webpage contained text that gave consent for them the swipe £770 from the OP's card. Or, perhaps, they had the debit card number already but needed addition information to proceed with a transaction.

Message to OP: the padlock symbol alone is fairly meaningless. I could have one on the websites I run if I paid a few quid.

jrtfan

wealdroam wrote: »

Yes, I agree with you, but tuggy12 was suggesting that the OP did not enter her details.

You're quite right, so they did - my apologies