chip and pin fraud abroad

jonesMUFCforever

GingerFurball wrote: »

'my account was hacked' is the sort of meaningless, vague nonsense people come up with when they make a payment they regret.

I wonder if this transaction happened in a ''bar or club'' if you know what I mean?

ceewash

No I don't know what you mean.

GingerFurball_2

jonesMUFCforever wrote: »

I wonder if this transaction happened in a ''bar or club'' if you know what I mean?

With ladies who might dance without their clothes on?

ceewash

is that relevant?

TadleyBaggie

ceewash wrote: »

is that relevant?

Very. It's quite common for transactions in these types of places to come through quite a bit higher (like x10) than expected. I guess they hope the punters will be too embarrassed to complain.

Caladan

ceewash wrote: »

is that relevant?

Probably for the ladies involved yes, it can be chilly this time of year. Also what Tadley said.

Still I understand you're a worried mother/father. Firstly, relax. Life is dull if things never go wrong.

Secondly - the short answer is that if it was chip and pin then it is extremely unlikely that it was some sort of 'hack.' Whilst it's technically possible for that to be the case, it's about as likely as being eaten by a shark...in Amsterdam.

Cloning a card is relatively easy, stealing the pin with a small camera on a machine is also relatively easy.

Cloning a chip is not. It's very, very complicated. If the payments were made by magnetic strip and signature the bank would probably accept it's fraudulent pretty quick, but if it's chip and pin and he still has the card on him then the bank is very unlikely to offer a refund.

Sorry if it isn't what you want to hear but at best there's more to this story.

ceewash

The story is that he tried to pay for a beer with a card using chip and pin. The card was declined. When he went outside to a card machine he saw that his balance was zero.
No scantily clad girls involved.

glider3560

ceewash wrote: »

The story is that he tried to pay for a beer with a card using chip and pin. The card was declined. When he went outside to a card machine he saw that his balance was zero.
No scantily clad girls involved.

Where did the money go? Has he logged into online banking to see what transactions were made that caused the balance to reach zero? Without this information, I doubt there is much help that anyone here could actually give you.

meer53

So the money was gone before he tried to use the card for the beer. Where had he been before this ?

ceewash

I asked that but he was sure it went whilst in bar. I think we need the statement when he gets home. Thank you for all your comments.