Unauthorised transactions on my cc

michaeln2

I got a phone call this morning from "Virgin wines" asking me to confirm an order of £111. I told the person that i did not know anything about ordering from them & the caller said that they were suspicious about the order as whovever it was ordering did not know the security number for the credit card. They got my telephone number from directory enquiries so they could contact me.

She advised me to contaqct the credit card company (Goldfish) which i did immediately.

They read out a list of 3 other transactions that i knew nothing about, one for a £50 vodafone top up, one for an O2 top up and one for an "Itunes" purchase. They said that these 4 transactions were done via the internet (Totalling around £150)

They said that they would send me the relevant paperwork to fill in and return. They also said that ,when my statement arrives, to ignore the 4 transactions that had been made & that i would only be responsible for the ammout that was standing on my account before the fraudulent transactions were made (This account had a balance of £189 before the scam took place)
This credit card has never left the house since i have had it & the last 3 times i have used it were all internet purchases early this year, so it seems that the fraudulent transactions have come about by purchasing over the internet.

As i do not have any insurance protection that covers me against fraudulent transactions will i be responsible for paying for these unauthorised purchases?

wyebird

No, you should be fine. Happend to my OH when someone used his details to do £600 of online gambling! Took a few weeks to sort though.

PROLIANT

You may have some sort of malware/spyware on your computer which has copied your card details, download and install spybot search and destroy, run this freeware application and see if it picks anything up, the reason I have suggested this is because you have been useing your CC online, this could be the reason. Let me know how you get on.

benf90

Spybot search and destroy is a good program so it's worth getting that as it's free.

However, the OP stated that the fraudster trying to use it with Virgin Wines didn't know the CVV/security code for the card. If anything was on their computer capturing card details it would've almost certainly captured that aswell.

It could be that where they've made a purchase, online or offline, has been hacked and card details stolen. Some shops will automatically store the card details but not the CVV, like those online shops that show you the last 4 digits of the card number and ask you to enter the CVV again when another purchase is attempted, so that could maybe be one explanation.

To the OP, you don't need insurance against fraudulent use. The card company will have seen it all before and will no doubt get their money back from the retailers that have processed the fraudulent orders.

I know Virgin Wines were covering their backs but I think we should also give them some credit here, they could have simply just cancelled the order without getting in touch with the genuine card holder if they felt something wasn't quite right.

michaeln2

Thank you for the replies everyone. I have used the spybot program for quite a few years now & i tend to be a little cautious with regular (at least once a week) virus\spywear scans etc.

Maybe this one just caught me out but i sure will be more carefull in future!

With regard to Virgin wines, i couldnt agree more with you benf90. They went out of their way to inform me of this & maybe their quick action would be a good example for other companies to follow? I am sending them an email thanking them for the way they acted when they thought something wasnt quite right. Good on them.

Thank you again.

PROLIANT

Virgin wine? Does that come bottled or in a fury cup?