Thief ordered a takeaway using my current account details, card kept in a safe since it was issued.

Yorkshire_Pud

So I received a text from Lloyds bank saying they noticed my debit card was used for a transaction and to message back YES if it was me or NO if it wasn’t. It wasn’t so I texted NO and fifteen minutes later the message was still in send and then undeliverable!
Then I got a call from Lloyds asking about the transaction, I confirmed no it wasn’t me. I was then asked a series of questions like had I been asked to pay for a Royal Mail delivery recently No etc. 

I checked my online account and there it was deliveroo pending £37.35.
Now the card was issued in late 2019 has been locked away ever since and never used for a single transaction for purchasing anything at all. An organisation had paid INTO my account a few times and they and one other person were the only ones who I had given the sort code and account number to. Apart from that I had made faster payments to one nominated account in my name externally. The details have never been put on any site like PayPal Amazon etc.
So on the face of it this scam shouldn’t or couldn’t have happened being as neither the long card number or 3 digit number on the back of the card are recorded anywhere and I haven’t used the card.

So apart from if I was the scammer, which I’m not, how could this have happened? The bank didn’t know. I read out ALL the payments out since I got the card, every single one a faster payment to my own account elsewhere. I was issued with a new card but I’ve used the freeze card option in online banking as I’m unsure how an order could be placed when the only details available, and even then shouldn’t have been except to pay me, were a sort code and account number. I find the lack of explanation worrying. I did verify the first call was genuine, took me one hour on hold to get through to the Lloyds fraud department! They were courteous and professional throughout and I have no complaint about the service I received, but how could this happen. Also I have never used deliveroo in my life and don’t have an account with them.

Armorica

It's deliveroo - in theory your bank ought to be able to find out where the delivery was made to via deliveroo....
Faster payments aren't made via card details so that's a red herring/not relevant. And card payments aren't made using your sort-code and account number so neither is that.
Have you ever had a deliveroo account?

Yorkshire_Pud

Armorica said:

It's deliveroo - in theory your bank ought to be able to find out where the delivery was made to via deliveroo....
Faster payments aren't made via card details so that's a red herring/not relevant. And card payments aren't made using your sort-code and account number so neither is that.
Have you ever had a deliveroo account?

No never had a deliveroo account, ever. Didn’t know what they were until this week! I only mentioned FP to show how I have used the account. Lloyds know all this and said they would be contacting deliveroo.

Armorica

Thanks - that's seems the sensible approach. Deliveroo would need to help unravel what's happened. I assume Lloyds will make sure the payment doesn't actually debit you / refund you? (If it does somehow go through, you can get the chargeback process initiated - which will probably show whatever it was wasn't delivered anywhere near you).

Rich2808

I lost my debit card recently - luckily not contactless (I would never have contactless on my main current account!) - and within an hour before I noticed the person who found it had made two taxi bookings.
Surely deliveries and taxi bookings - if made from to or from your home are a bit more traceable - but its so low level the police probably don't bother.

Sea_Shell

Rich2808 said:

I lost my debit card recently - luckily not contactless (I would never have contactless on my main current account!) - and within an hour before I noticed the person who found it had made two taxi bookings.
Surely deliveries and taxi bookings - if made from to or from your home are a bit more traceable - but its so low level the police probably don't bother.

You'd think the thief wouldn't be that daft as to use a card for deliveries or taxis...but they must get away with it more often than not, so to them it's not a problem.  Free food and transport!! 😡

jimjames

Are you sure it was Lloyds calling you? They initiated the call to you so how can you be sure?

Yorkshire_Pud

jimjames said:

Are you sure it was Lloyds calling you? They initiated the call to you so how can you be sure?

That was my initial thought! But I logged in to my account and the transaction was there.
I took that as meaning it was legit but in fact that could be part of the ruse, place a transaction on an account that they know is fraud then follow through with a call to my mobile although how would they know it but of course even that’s not impossible depends on where they got my info and how much. That’s why I spent an hour on hold that evening to Lloyds fraud number and they verified it was legit. Mobile number from the Lloyds text was almost 100% saying scam do not answer but none of them had been scammed whereas the ones who said it was legit said it was Lloyds however it just shows you can’t take anything for granted! Even one of the tabloids had a story about the number being a scam which it wasn’t.

Eco_Miser

Sea_Shell said:

You'd think the thief wouldn't be that daft as to use a card for deliveries or taxis...but they must get away with it more often than not, so to them it's not a problem.  Free food and transport!! 😡

You'd be surprised at the stupidity of some criminals. A few years back a murderer ordered a taxi home using his victims landline.

Yorkshire_Pud

Armorica said:

Thanks - that's seems the sensible approach. Deliveroo would need to help unravel what's happened. I assume Lloyds will make sure the payment doesn't actually debit you / refund you? (If it does somehow go through, you can get the chargeback process initiated - which will probably show whatever it was wasn't delivered anywhere near you).

Lloyds stopped my card and issued a new one received two days later. The payment was at pending for a day and Lloyds said they HAVE to pay it so I went overdrawn but was told as soon as it was paid Lloyds would reimburse me. Initially it doubled and so another 80 minutes on hold next day and told it’s just the process then it halved, then I was credited the money but the new pending payment was still there! Was told just wait until tomorrow and after 9am it disappeared and I was back in credit. I wasn’t prepared to fund my account to avoid the overdrawn status and Lloyds assured me it won’t affect any credit report as I’m not at fault. 

I’m sort of glad about this because I have some sense of the process, pit falls etc and hope others might benefit. If Inwas to do anything different it would have been to end the mobile call from Lloyds initially and phone their dedicated fraud number and ask for the staff member by name who had phoned me.

To their credit the first text I received was within 15 minutes of the transaction time and their systems picked it up as possible fraud.

colsten

Sea_Shell said:

Rich2808 said:

I lost my debit card recently - luckily not contactless (I would never have contactless on my main current account!) - and within an hour before I noticed the person who found it had made two taxi bookings.
Surely deliveries and taxi bookings - if made from to or from your home are a bit more traceable - but its so low level the police probably don't bother.

You'd think the thief wouldn't be that daft as to use a card for deliveries or taxis...but they must get away with it more often than not, so to them it's not a problem.  Free food and transport!! 😡

Deliveroo deliver to anywhere, and taxis go everywhere, too, doesn't have to be the place where you ordinarily live.