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

Armorica

yup - you shouldn't need to pay overdraft fees. At least they seem to have responded sensibly. 
Better if they had stopped it in the first place...but there is a trade-off between speed/ease of genuine transaction vs. enough friction to prevent fraud. 

quirkydeptless

On the 8th of March, I had text from MNBA about a £28.99 Deliveroo transaction with the YES/NO to approve, and I said NO. I contacted the MNBA fraud team and said that this transaction was not mine. They said it had been blocked, but another one had gone through, which was debited from my balance.

The fraud team put a permanent block on my old card, send me a new one, the money was refunded, and they said they would investigate by checking the transaction with Deliveroo.

MNBA is part of the Lloyds banking group. I've never used Deliveroo in my life. My MNBA card had only been used for an 0% interest offer, and had no other transactions, and the card itself never left my secret little locked safe since I got it.

Yorkshire_Pud

Armorica said:

yup - you shouldn't need to pay overdraft fees. At least they seem to have responded sensibly. 
Better if they had stopped it in the first place...but there is a trade-off between speed/ease of genuine transaction vs. enough friction to prevent fraud. 

I think deiiveroo get their money for the transaction as they provided the food ordered?

It’s the fraudulent payment that’s the issue and it just doesn’t add up how it could have happened.

Thrugelmir

Yorkshire_Pud said:

Armorica said:

yup - you shouldn't need to pay overdraft fees. At least they seem to have responded sensibly. 
Better if they had stopped it in the first place...but there is a trade-off between speed/ease of genuine transaction vs. enough friction to prevent fraud. 

It’s the fraudulent payment that’s the issue and it just doesn’t add up how it could have happened.

Someone had your card details. 

unforeseen

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!! 😡

I've had my card used by some low life to not only pay an instalment to a debt collecting company but 2 lots of flowers to his girlfriend. So there are thieves short of a brain cell out there. 

Sea_Shell

unforeseen said:

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!! 😡

I've had my card used by some low life to not only pay an instalment to a debt collecting company but 2 lots of flowers to his girlfriend. So there are thieves short of a brain cell out there. 

Did the police arrest and charge them?

Yorkshire_Pud

quirkydeptless said:

On the 8th of March, I had text from MNBA about a £28.99 Deliveroo transaction with the YES/NO to approve, and I said NO. I contacted the MNBA fraud team and said that this transaction was not mine. They said it had been blocked, but another one had gone through, which was debited from my balance.

The fraud team put a permanent block on my old card, send me a new one, the money was refunded, and they said they would investigate by checking the transaction with Deliveroo.

MNBA is part of the Lloyds banking group. I've never used Deliveroo in my life. My MNBA card had only been used for an 0% interest offer, and had no other transactions, and the card itself never left my secret little locked safe since I got it.

Maybe the answer is closer to home and not mine nor yours.

unforeseen

Sea_Shell said:

unforeseen said:

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!! 😡

I've had my card used by some low life to not only pay an instalment to a debt collecting company but 2 lots of flowers to his girlfriend. So there are thieves short of a brain cell out there. 

Did the police arrest and charge them?

No idea, I left it to the card company to deal with

born_again

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?

Bank will not be interested in where it was delivered. They will claim the money back from Deliveroo.

While OP may not have used this card, if it was a replacement card that had been used before. It is very easy to guess the expiry date change.
You will never find out where or when your card details were compromised. That is not information any customer needs. As it will either be a individual taking the details from a till receipt, or a retailer being hacked.
All you need to know is there is nothing you can do to stop it.

coffeehound

Is the upshot here that the bank's data has been compromised?