Card fraud attempts - is it me?

wmb194

lr1277: "I would love to have a backup account but due to my lack of income, I don't think any bank (that I would want to bank with) would take me on as a customer."

This shouldn't be an issue, just give it a go.

flaneurs_lobster

wmb194 said:

lr1277: "I would love to have a backup account but due to my lack of income, I don't think any bank (that I would want to bank with) would take me on as a customer."

This shouldn't be an issue, just give it a go.

Agreed, especially as you have (had?) a credit card, shouldn't be a problem

sheramber

Theleak250 said:

I once had fraud twice. The first a payment for £50 for some kind of subscription service. I called the bank and said it wasn’t me, they gave the money back, and sent a new card. Within two weeks of the new card another fraud occurred with a £1500 tv from a company up north. Again I called the bank and they gave the money back. 

It is therefore possible either it is an inside job, or someone has taken your card for a short time to make these purchases. Another alternative is that the card details have been randomly generated and they happen to get it right, but this is unlikely three times.

I never got to the bottom of mine but it didn’t occur after I moved to the third card. I came to the conclusion someone at work perhaps took my card from my wallet or it was an inside job. As the second card was brand new and not even saved anywhere. 

The same happened to
my husband but the second fraud on the new card happened before the new card had been delivered.

penners324

Sounds like you've over reacted to a scam attempt. Ie the phone calls and text messages 

jimjames

It doesn't appear that you've actually had fraud occur on your card just a few scam phone calls. From the info though is it possible that they might have been able to access your email account? If you haven't changed the password on that it would be worth doing so to make sure it is secure.

PRAISETHESUN

jimjames said:

It doesn't appear that you've actually had fraud occur on your card just a few scam phone calls. From the info though is it possible that they might have been able to access your email account? If you haven't changed the password on that it would be worth doing so to make sure it is secure.

From the online security standpoint I'd highly recommend changing your passwords for every service you use, and make unique passwords for each login. Use a password manager to manage them all and them they can all be 99 character fully random alphanumeric + symbols that you never need to actually remember. I'd also highly reccomend setting up 2FA on every service that offers it (ideally an authenticator-based solution, but SMS is okay if it is the only option offered).

For your email specifically, I'd also go into your security settings and have a look at where active login sessions are - I'd suggest you force log out all active sessions, especially if there are any you don't recognise. I'd also suggest looking at where your information might have actually been leaked from using a services that monitor for data breaches such as https://haveibeenpwned.com/ 

RAS

Regardless of income, unless you have CIFAS or Hunter markers, you can get a new basic bank account. Most banks offer them, but some only to people who fail their current account requirements.

No overdraft but all other activities allowed. I pay cash into mine and use it solely for on-line purchases. 

hazelli42

I discovered two fraudulent transactions with British AIrways totalling over £2500 on my credit card, two days apart, one Heathrow, one London. I haven’t been to either place for years, nor booked with BA.  Strangely, the second amount was refunded £10 on the same day, and the balance 2 days later.  What does this indicate? I have reported to the bank, who have started fraud proceedings, and cancelled and replaced my card. Thanks for any insight/ knowledge.

flaneurs_lobster

hazelli42 said:

I discovered two fraudulent transactions with British AIrways totalling over £2500 on my credit card, two days apart, one Heathrow, one London. I haven’t been to either place for years, nor booked with BA.  Strangely, the second amount was refunded £10 on the same day, and the balance 2 days later.  What does this indicate? I have reported to the bank, who have started fraud proceedings, and cancelled and replaced my card. Thanks for any insight/ knowledge.

So all the money taken without your authorisation was returned? 

Not fraud then, an error.

born_again

hazelli42 said:

I discovered two fraudulent transactions with British AIrways totalling over £2500 on my credit card, two days apart, one Heathrow, one London. I haven’t been to either place for years, nor booked with BA.  Strangely, the second amount was refunded £10 on the same day, and the balance 2 days later.  What does this indicate? I have reported to the bank, who have started fraud proceedings, and cancelled and replaced my card. Thanks for any insight/ knowledge.

BA did internal fraud checks & realised card holder had not made the payments.