Credit Card Fraud

[Hidden]

Well, I would never of thought it would happen to me.

On Saturday I didn't go out until the evening. I got petrol at Tesco's and Paid with my card and then went to a cash machine just outside. I went through all the motions and the machine said that I had taken out the maximum for the day. I thinking wtf, but Ok I go and check on another Cash Machine just incase something was wrong with the one I just tried and guess what? the same thing happened. So I then went to my own branch Cash Machine and got a mini-statement and on that I lost approx £300.

When I got home that night I spoken to the Bank Helpline and they suggested I waited until Monday as there was nothing showing up on the system that the money had gone out apart from the Account Balance and Available Balance.

Next morning I thought I go and check my account again just incase there was an internal problem and could be easily fixed. I checked my account again and to my surprise I lost another £300 and that means I couldn't take any money out.

I went to the Police station and gave all the information I needed to give them and they suggested I phone up the helpline again and ask them to cancel my card (which I have done this time) and even then they said call back Monday and talk to us again when we have enough on the system as it still wasn't showing anything on the system.

So, Monday comes (today) I have spoken to a member from the helpline and they put me on hold...................40 mins later..........still on hold..........I then speak to someone and explain what had happened and they say that I'm in the wrong department I'll transfer you. Now I'm on hold again for another 20 mins or so and I finally speak to someone who could help me. He says 'I'll just have a look into your account to see if I can help you'. A further 10 mins on the phone on hold he then comes back to me saying he couldn't see anything on the system to prove that there was fraud going on and he passed me onto another department. I'm on hold again for another 20 mins and a lady answered the phone, so again, I explained the problem and she then said your in the right department but I'm a receptionist so I cannot help you, hold on and I'll put you through to the right person (I mean ffs) I'm on hold for a further 20 mins before I actually speak to the right person and to be fair they helped me alot, but after me explaining to them and them looking on the system they found that there has been some activity on my account from abroad. Looks like who ever done it put a clone into the ATM machine with a video camera hidden in the corner of the machine so nobody see's it. After all this she then tells me that she has filed the report and will look into it ASAP and they will phone me tomorrow and let me know the outcome.

Hopefully I will get my money back (which I should).

Has anybody come accross this before and any help you could pass onto here that would be great.

 

[Fafnir]

Had this happen to me a while back, but was in the grocery store, they had a breakin a week before where some good got stolen but that was just a coverup for what they really did was to change one of the machines reading the cards at the cashier. When
i notice i was missing money around 700 Euro i also. Went to closest ATM put in my card and punched in wrong pincod three times and the machine chewed the card. Had the same problem the bank helpline didnt want to close the card so i didnt it for them.

But in the end i got my money back, and a new card

 

[Adrianicus]

Shit sorry to hear what has happened to you!

Sort of similar happened to me only two weeks ago.

Working nights so was lying in till lunch time but my mobile rang.

Was an automated call from Lloyds Fraud Dept. Thought it may have been a con call but it was genuine. Some computer voice read out my last 5 transactions and where they had occurred. One was 85quid from a cash point from fucking Romania of all places. Something definately wasnt right. A withdrawl was attempted but nothing was taken out luckily.

Within 5mins I had been put through to an English speaking person - I was shocked at not only how quick but that they also spoke english!
Really helpful - straight away they checked my account, confirmed nothing had been taken, cancelled my card, issued a new (got that in 5days), and told me to watch my account.

Bloody impressed with the service tbh - only downer was that I got another 3 calls from the automated service to my landline and mobile so had to call back and double check nothing else was going on lol. But that stopped as soon as had spoken to another operative.

Hope you get it sorted - scary how easily they can get your details.

 

[soze]

I have had it twice both times on credit cards and both times Lloyds have been more than helpful in sorting it out very quickly. They even paid for my new TV but then i though if they investigate fraud is serious so i said they messed up

I can imagine its much worse on your current accout as it is real money then

 

[Mojo]

I had an issue with my credit card about 5 years ago, the first I knew about it was when the fraud department of my bank called me to confirm that I had not made a purchase which looked dodgy and had been flagged on their system. With 10 seconds my cc was cancelled, my money refunded and a new card was in the post.


Good luck getting this sorted.

 

[Rubric]

Bad luck, this sort of thing is rife these days. Always cover your hand when you are inputting your pin so that those peskey cameras can't see the pin.

On a side note.

Cash withdrawals on your credit card? Bad news for your finances.

 

[Rookiescot]

Hey it could be worse....... I'm currently trying to sort out a loan for £17000 ( £24000 to be repaid) which I am supposed to have taken out.
I never took out the loan. The money was paid to an account I dont have. However the repayments are being taken from an account I do have.
Essentially some bastard applied for and was given a loan while pretending to be me.
Its a right sodding mess.

 

[Dreamor]

Bad luck, this sort of thing is rife these days. Always cover your hand when you are inputting your pin so that those peskey cameras can't see the pin.

On a side note.

Cash withdrawals on your credit card? Bad news for your finances.

the problem is, these criminals are not using the old 'over the shoulder' tricks. It is now that they put fake screens over the ATM/ fake keypads/ face card readers or what I found amazing recently, a complete unit with 'Link' sign above it advertising itself as a real machine.

I rarely ever use anything outside of the bank, if it looks convenient and easily accessible, its sure to be one the criminals will tap into.

Sorry to hear about your money getting stolen, there really isn't much people can do to stop someone either cloning your card or obtaining your bank details.

 

[Lamp]

Years ago I was supposed to have spent £4000 on a fur coat in Turkey. Bank sorted it all out for me. Think it was MBNA.

And yes - if you're taking cash withdrawals out on your credit card, its a classic sign of financial problems

 

[Rubric]

the problem is, these criminals are not using the old 'over the shoulder' tricks. It is now that they put fake screens over the ATM/ fake keypads/ face card readers or what I found amazing recently, a complete unit with 'Link' sign above it advertising itself as a real machine.

I rarely ever use anything outside of the bank, if it looks convenient and easily accessible, its sure to be one the criminals will tap into.

Sorry to hear about your money getting stolen, there really isn't much people can do to stop someone either cloning your card or obtaining your bank details.

My understanding is that the pin no. is recorded by a camera installed in the faceplate they put over the cash machine.

 

[Huntingtons]

or some might just like to pay with cash? :<

 

[CorNokZ]

lol Hunt! If you have cash and a credit card at the same time you're poor and in financial problems! Didn't you know that?

 

[Rubric]

or some might just like to pay with cash? :<

For what possible reason?

 

[Hidden]

As I understand they were not doing cash withdrawals from cash machines. Somehow transferring my cash with swipe and putting it into there own account.

I don't own a Credit Card but I do have a Flex Debit card.

On a side note.

I know all the Cash Machines I use, so would it benefit me if I told the Police all the machines I have used as they now have a Reference Number?

 

[Ezteq]

cor that sucks, sorry to hear its happened to so many of you.

i hope it never hapens to me i go nuts if i lose the tv remote let alone £300

 

[Chronictank]

For what possible reason?

its quicker than being THAT guy in tesco's who is holding th eline up by paying by card for a bottle of coke, i generally pay by cash whenever i can at least that way you know your card hasnt been skimmed by the guy behind the counter

 

[tris-]

yes, deal with the police only. you dont have to do anything with the bank, you just cancel the card and inform the police.

the police then deal with the bank.

 

[Mabs]

sorry to hear that
only other thing i would add, is if you use any particular cash machine lots, tell them about it, if its a bank external wall one, they can check if they been tampered with or whatnot

 

[Raven]

Happened to me once too, the bank phoned me to tell me my card had been cloned then took 2 weeks to cancel the card (they canceled my wifes card though!) so we were without a bank card for over a week.

Banks are pretty much useless these days, you just have to deal with the staff in the branches to realise that

 

[Rubric]

its quicker than being THAT guy in tesco's who is holding th eline up by paying by card for a bottle of coke, i generally pay by cash whenever i can at least that way you know your card hasnt been skimmed by the guy behind the counter

But if you need to use your credit card to buy a bottle of coke or get cash out to buy something like a bottle of coke, chances are you got some money problems.

 

[old.Tohtori]

But if you need to use your credit card to buy a bottle of coke or get cash out to buy something like a bottle of coke, chances are you got some money problems.

Actually no, don't even know why you say that.

People use cards to avoid getting the money "cr*p" in their pockets. As in loose change etc.

I know plenty of people who are happy to pay EVERYTHING, even a freaking lollipop of 15cents, with a creditcard.

I personally don't use 'em, withdraw, cash in wallet, oldskoooool all the way baby. I act in a shopping line as it was meant to be done, by collecting every little coin from the bottom of my jeanpocket to pay for one grape!

 

[Rubric]

Actually no, don't even know why you say that.

People use cards to avoid getting the money "cr*p" in their pockets. As in loose change etc.

I know plenty of people who are happy to pay EVERYTHING, even a freaking lollipop of 15cents, with a creditcard.

I personally don't use 'em, withdraw, cash in wallet, oldskoooool all the way baby. I act in a shopping line as it was meant to be done, by collecting every little coin from the bottom of my jeanpocket to pay for one grape!

What i am trying to say is that if you are withdrawing cash on a credit card then you have no disposable cash. If you are paying for essentials or small items on a credit card then you clearly have no disposable cash.

No disposable cash = bad financial problem.

Not to mention the charges you rack up by withdrawing cash and a higher interest rate on your balance.

 

[old.Tohtori]

What i am trying to say is that if you are withdrawing cash on a credit card then you have no disposable cash. If you are paying for essentials or small items on a credit card then you clearly have no disposable cash.

No disposable cash = bad financial problem.

Not to mention the charges you rack up by withdrawing cash and a higher interest rate on your balance.

Yes and what i'm trying to say that it isn't that clear cut.

Not all have disposable cash, just because it's a "pain" to carry.

UNLESS, you're talking about using a creditcards CREDIT part to pay for shopping. But one couldn't know that in a queue anyway.

 

[UndyingAngel]

What i am trying to say is that if you are withdrawing cash on a credit card then you have no disposable cash. If you are paying for essentials or small items on a credit card then you clearly have no disposable cash.

No disposable cash = bad financial problem.

Not to mention the charges you rack up by withdrawing cash and a higher interest rate on your balance.

This is complete bollox I use my Card to pay for everything, I very rarely carry cash on me, I don't see the need to carry cash these days, most of the time ill use my Switch card, but if they don't accept switch then Visa card comes out, and if the Shop doesn't access Cards they they obviously don't want my money badly enough.


Also when it comes to using Credit Cards now I wont let anyone handle my card, its the whole point of the Chip and Pin. The person behind the counter has no need to handle your card.

 

[Rubric]

This is complete bollox I use my Card to pay for everything, I very rarely carry cash on me, I don't see the need to carry cash these days, most of the time ill use my Switch card, but if they don't accept switch then Visa card comes out, and if the Shop doesn't access Cards they they obviously don't want my money badly enough.


Also when it comes to using Credit Cards now I wont let anyone handle my card, its the whole point of the Chip and Pin. The person behind the counter has no need to handle your card.

Why would anyone withdraw cash from their credit card to pay for something? I'm not talking about debit cards, just credit cards. You pay a cash withdrawal charge and the interest is wacked up on the amount that you withdraw and when you make payments to your card they pay off purchase debt first so you get stung for the higher interest for longer.

If someone does all their shopping on their credit card but pays it off in full at the end of the month thats a different story.

 

[old.Tohtori]

Why would anyone withdraw cash from their credit card to pay for something? I'm not talking about debit cards, just credit cards. You pay a cash withdrawal charge and the interest is wacked up on the amount that you withdraw and when you make payments to your card they pay off purchase debt first so you get stung for the higher interest for longer.

If someone does all their shopping on their credit card but pays it off in full at the end of the month thats a different story.

You do know that you can pay from your bank account, with a credit card, and that you don't HAVE TO use the credit part of a credit card when paying for, say, a coke?

Like i said, you're talking about using credit to buy a coke, instead of using a card to pay for it.

 

[Rubric]

You do know that you can pay from your bank account, with a credit card, and that you don't HAVE TO use the credit part of a credit card when paying for, say, a coke?

Like i said, you're talking about using credit to buy a coke, instead of using a card to pay for it.

Credit card is a form of credit.

Debit card debits your bank account.

Do they do dual cards now? How do they work?

 

[old.Tohtori]

Credit card is a form of credit.

Debit card debits your bank account.

Do they do dual cards now? How do they work?

You need separate cards in the UK?

It's worked like that for ages in Finland.

You go to shop, they ask "credit or debit"(i think you could say) and you say which you want to charge, the credit part of bank account part.

No wonder there was some confusion there.

 

[Rubric]

You need separate cards in the UK?

It's worked like that for ages in Finland.

You go to shop, they ask "credit or debit"(i think you could say) and you say which you want to charge, the credit part of bank account part.

No wonder there was some confusion there.

Not that i am aware of. Sounds like a good idea.

 

[Vasconcelos]

Well, its a bit of a legal hole. Its assumed your signature is needed on any transaction done with a credit card, so that leaves the inet purchases in somewhat a "limbo", unless you used a digital certificate or electronic signature.

I know ppl who have been scammed for 300€, then checked the account status an realized sum1 bought something over inet with his lost card. His bank restored him the funds after claiming that his signature was nowhere to be seen in that transcation. Some online shops even use their shipment companies (DHL, UPS etc..) as "cashers" making use of pda's or similar devices to collect ur signature.