Card fraud - reasonable care?

sophies_4

Guys,

I'm hoping someone can offer some advice here. Not sure where to post this - so picked this bit.

Last week I had my other half call me and tell me my debit card details so I could order something over the phone. I wrote the details down on a piece of paper on my office desk. While I was on the phone, I stashed it under some other papers, and totally forgot about it. I went on leave, came back, and noticed the paper had had the card number (with ccv, exp date etc) ripped off. I checked my online banking, and low and behold, two transactions online, one for a clothing store website, one for a computer suppliers store website to the pricely sum of £750. Phones Lloyds TSB, told them, they killed the card, and said they would re-debit my account. I got in touch with one of the companies and they said they had already refunded the card, so it looks like I caught that order before it went through. However, Lloyds are sending me a form where I assume I have to declare I took reasonable care of the card details. The office is locked, 100% of the time, no exceptions. Only keyholders can get in here, and that's only 4 people, plus the cleaner. I would say it's about as secure an office as you get (there's a lot of IT kit in here, so even if we go away and make a cup of tea, the door is locked.)

Now, Lloyds didn't ask me on the phone anything specific, other than 'is the card normally kept somewhere secure and do you have it.' to which I replied, 'Yes.' which was true, but having read the banking code, I am wondering whether I will need to tell them I wrote it down and left it on my desk, and subsequently, they will take the money out again? Although I did think they would investigate, and then refund, the girlk on the phone at Lloyds seemed to be saying that they would refund it, and if I didn't send the form back, they would take the money back, so opposite of what I was expecting.

Any advice?

Many thanks.
Sophie x

Rafter

Sophie,

You have probably breached the strict terms and conditions but seem to have taken reasonable care to keep the details safe. I guess much will depend on whether they intercepted the transactions, before the goods were despatched.

R.

sophies_4

I got a message back from one company (the one where there was a transaction of £500) and they confirmed the goods had not been shipped, and they appear to have issued the refund.. The other seems to have gone through.

seasidepom

Apart from the issue of dealing with the expenditure, I'd report the matter to your company - someone you work with is a thief and who knows what else they're stealing and who else they're ripping off?