Unknown Transactions On My Account

seahorse13

I looged into my internet banking this morning to check my balance and noticed the 2 transactions had been made on my account that werent from me.
This is my current account, and i still have my debit card (its not lost or stolen)
The transaction were for 2 mobile topups, one tesco and one O2. Considering im on vodafone, this certainly wasnt me!

I have rung the back fraud team and they were very good and helpful, Im just scared and want to know how someone can get my details to make these transactions??

Dr_Baird

seahorse13 wrote: »

I looged into my internet banking this morning to check my balance and noticed the 2 transactions had been made on my account that werent from me.
This is my current account, and i still have my debit card (its not lost or stolen)
The transaction were for 2 mobile topups, one tesco and one O2. Considering im on vodafone, this certainly wasnt me!

I have rung the back fraud team and they were very good and helpful, Im just scared and want to know how someone can get my details to make these transactions??

I've had to cancel 2 of my credit cards in the last year due to this. I never use my card in petrol stations etc and never let it out of my site. However I do use it for internet purchases and the bank tell me that is the source of the problem as someone has got hold of my details even though I only use supposedly safe sights. They tend to make test purchases for a few pounds that people might not notice and then they'll hit you with a bigger loss. Some crook used my card for a £3 itune download and then for a youth hostel in Canada. I also had a few mobile phone topups. My banks were good and I carefully check my statements.

seahorse13

Thanks for that, im glad i noticed the 2 smaller transactions before they went for the big one!
Yeah i only spend in supermarkets and take cash out of cash machine, and like you, on internet purchases!
From now on i think i will make cash purchases wherever possible!

xjlmummy

Just logged into MSE to see what posts there were on debit card fraud - discovered today that around £3000 has been spent using my A&L debit card in the past two days. Like the OP, the card is still in my possession, and I can't think of any occasions it's left my sight but...

The bank's fraud team are sorting it out - does that mean a full refund? They've stopped the card now anyway.

mouthscradle

£1000 was paid off my card as a payment to HBOS. Saw it on my online banking this morning. I've phoned Barclays, they said someone has used my card to make a mortgage payment. I don't even have a mortgage. They've stopped my card and are sending me the forms to fill out.

This happened to me less than 3 months ago, same account, someone bought 2 x £200 worth of things on the carphonewarehouse website. So this card has hardly been used.

Really fed up

Is it worth me reporting this to the police? How rigorously do the banks actually investigate these things? Do they involve the police? Last time I got the money refunded then never heard anymore about it. I want to know who is doing this, how, whether they are caught, and whether they are arrested/charged etc.

Mikeyorks

mouthscradle wrote: »

£1000 was paid off my card as a payment to HBOS. Saw it on my online banking this morning. I've phoned Barclays, they said someone has used my card to make a mortgage payment. .

99% certain it's an error - and your account number has been captured from a badly written manual payment slip... instead of the correct one. How many fraudsters pay off their (highly traceable) Mortgage using stolen funds????

mouthscradle wrote: »

Is it worth me reporting this to the police? How rigorously do the banks actually investigate these things? Do they involve the police? Last time I got the money refunded then never heard anymore about it. I want to know who is doing this, how, whether they are caught, and whether they are arrested/charged etc.

Only report it if the Bank ask you to. Yes they investigate .. and work in tandem with fraud squads. No - they're not going to give you detail ....... after all :-

Last time I got the money refunded

....... it's their money they're pursuing .. not yours!

mouthscradle

Mikeyorks wrote: »

How many fraudsters pay off their (highly traceable) Mortgage using stolen funds????

None if the mortgage is traceable, but many if the mortgage is taken out using someone elses identity. My sister has just found out that her "landlord" is infact using other peoples identities to take out mortgages on new build flats, not paying the mortgages but taking the rents. She didn't know anything about it until the police arrived on her doorstep looking for him. Luckily she rented through a reputable agent who are fulfilling the 6 months of the contract.

Mikeyorks wrote: »

....... it's their money they're pursuing .. not yours!

It will be once I get the refund aye, and I am probably just one of hundreds they've done the same to, but it still feels really personal that someone out there knows MY name, address, bank number etc, and so soon after the last time Scumbags the lot of them.

Mikeyorks

mouthscradle wrote: »

not paying the mortgages .

Exactly. So no one is going to defraud your account to pay a mortgage? If it's a legitimate Mtge (as 99% are) ... it's instantly traceable. If it's not legitimate ... they don't pay it, that's the whole point?

In which case :

mouthscradle wrote: »

.. but it still feels really personal that someone out there knows MY name, address, bank number etc

.... no one knows your name etc. I know it's unsettling - but I think this one will turn out to be an error.

The OH was shouting down the 'phone yesterday morning at GE Money, after they'd sent a letter freezing her Frasercard because the minimum payment hadn't been made! She'd noticed the Ref on the letter wasn't hers .... so was telling the poor girl on the other end 'it was fraud'. She had a receipt showing the payment had been made, in store, in full some 5 days prior the due date. While she was still shouting I looked at the receipt but couldn't work out why the (truncated) Ref on the receipt didn't match the Statement she'd paid on. Got her to get her card out - and found it was new this month and they'd changed the account Ref! So the receipt and the letter from yesterday - did match the new card.

So 'all' that's happened is that the payment (checked her Bank a/c whilst she was on the 'phone and the debit is there) hasn't been allocated properly. Which I assume has something to do with the new account ... and probably GE Money are getting their ears bent by a number of cardholders who've been blacklisted similarly?

But it's certainly not the 'fraud' she initially thought. And I think you'll find yours goes the same way ... hopefully? However, as yourself ....she's not happy!:p