Fraud...

[*Kornholio*]

I've just discovered I've been robbed of £1200... 5 transactions all in a row yesterday apparently at a casino in London... been a while since I used my switch card online, but it's certainly the last

 

[Testin da Cable]

damn mate

can't you contest it? one has to sign 'real world' CC dealings, and I guess you can prove the signatures don't match

 

[Gumbo]

indeed.

 

[lovedaddy]

if its a credit card (especially mastercard) you should be ok to get your money back.
mastercard rules say that the only time a shop or what have you even has the right to contest to keep the money is if they either have.
a. posmode 902 (basically a scan of the magnetic stripe on the card) and a signature
b. signature plus embossed press of the card (you know, the older ones where they make a copy of the numbers on the card using carbon paper)

If the fraud was done without these things, you'll have no trouble getting money back from both mastercard or visa.

Switch/debit account is a lot more tricky, but again, without one of them things, you should be able to contest it. Best of luck =(

 

[Wazzerphuk]

CC fraud is irregular, but annoying. Unlucky.

Fortunately, it's fucking easy to get your money back, unless the person who stole from you is a fucking genius. And anyone that does CC fraud is not a genius. They're very, very dense.

 

[ECA]

the shit thing about CC fraud is that its the shop that has to pay for it not the banks.

 

[Wazzerphuk]

Why is that shit? It's the shop's fault for not checking the details correctly. If they're retarded enough to fool for some loser posing as someone else then they should be made to pay. Capitalist scum.

;]

 

[Deadmanwalking]

All salute Wazzerphuk our great comrade and leader

 

[Wazzerphuk]

\o/

Free spooge for all who join my party!

*spooge*

 

[mank!]

*spooge*

FREE SPOOGE!

 

[Wazzerphuk]

*spray*

 

[*Kornholio*]

After a bit of investigation, it was my debit card that was used at http://www.bluesq.com - I've phone the bank (HSBC) & they're gonna contact the casino, I phoned the casino & they say someone registered my card number with them on Monday night and made 5 deposits totaling £1200 within 10 minutes, none of which with my name or address, just the card number. Neither of the companies seem interested in going to the police - I suppose they're insured for this sort of thing... Bank says I should have my money back in 5 working days.

Goes to show how much of a check these dodgy online betting places do when it comes to peoples money... they just seem a like a haven for online fraud. Does anyone think I'd have a chance suing bluesq.com ?

 

[Wazzerphuk]

They'd sue you back for loss of profits because of your carelessness.

 

[~YuckFou~]

Originally posted by *Kornholio*
Does anyone think I'd have a chance suing bluesq.com ?

For what? You are getting your money back anyway.

 

[Durzel]

Originally posted by ~YuckFou~
For what? You are getting your money back anyway.

Oppurtunists All this "Injured by a twig? You might be entitled to compensation!" bullshit is the reason we get shafted so much on insurance.

How did they manage to get your card number in the first place? Had you used bluesq legitimately before?

I'm surprised they were able to debit that amount of money in such a short space of time before to be honest. I had a nightmare trying to make a payment for £2200 on my Switch card once.. it literally took 30 minutes to get authorisation for it. I looked like a right idiot in the shop. That, and credit card protection, was one of the primary reasons I thought about changing from a Switch card to a CC.

 

[*Exor*]

Switch is for children, that's why.

 

[Ulysses777]

I've heard some online stores don't accept Switch (or Solo) because Switch have piss poor security...

 

[Tom]

The banks dont give a shit about cc security. They make so much money creaming off dumb people paying 18%, that cc fraud is piddly-squat when u compare the two.

Saying that, I believe there is a national rollout of machines that ask for pin codes on chipped credit cards in most major shops this year.

 

[raw]

I've never had a credit card, never needed one really.

Just my switch card

 

[lovedaddy]

when i worked for a bank (for 3 years), most shops I had dealings with were much more in favour of using switch/solo as their means of recieving payment. The come back from the back is much less on switch/solo. If they debit a solo/switch card, its upto the banks to prove the shops were at fault (thus costing the bank money if they have to give the money back to the card holder), but with visa/mastercard its upto the merchants to prove they can keep the money. (thus they would lose the money if they had to hand it back to the card holder)

They accept MC/visa simply cos they are the most universal.

Most people feel more at ease knowing they are insured on big purchases (and in foreign), thus end up getting a MC/visa.

 

[Embattle]

Originally posted by Deadmanwalking.
All salute Wazzerphuk our great comrade and leader

Not really, he would most probably be the first to moan if he was asked for move proof, or someone in front of him was, thus delaying him

 

[stu]

So much misinformation...

If your account (credit or debit) is used without your knowledge, and you report it to the bank within a reasonable amount of time, and you are not negligent in the maintenance of security of your details, then your total exposure is... £0.00. Check the small print.

It's irrelevant whether it's a credit card or debit card, you're still insured. The only difference is who covers you.

If you pay via credit/debit card, VISA/Mastercard ultimately insure all the transactions. So the issuing bank contacts VISA, VISA send them the money, and then get the money off the retailer. However they've recently set up a scheme, specifically for online purchases, where the retailer is not liable for loss through theft.

If it's a debit card, then the bank stumps up for it.

To say banks dont give a shit about credit card fraud is patently ridiculous. It costs *billions* every single year. Banks don't write off a big stack of money just because they make another big stack of money elsewhere.

When you make a "cardholder not present" transaction with a debit card, the address is not checked. It has nothing to do with bluesq being negligent or not negligent. It's not checked in a shop either.

Why do you think your number was necessarily stolen online? It's a shitload easier to steal someone's credit card in a retail shop or restaurant than it is online.

 

[lovedaddy]

you are covered for certain things on solo/switch, but it aint even close to mastercard/visa. faulty goods, incorrect advertisment blah blah, you dont get these with solo/switch.
If you have used a debit card, and you have a dispute with a shop for whatever reason, your on your own. With MC/Visa, if they kick up a fuss, you get in touch with them, they'll sort it.

Anyhow, thats going off topic.

I'd recommend anyone to get themselves a MC. They are the business.

 

[Tom]

Originally posted by stu
To say banks dont give a shit about credit card fraud is patently ridiculous. It costs *billions* every single year. Banks don't write off a big stack of money just because they make another big stack of money elsewhere.

I can't imagine that to reduce fraud *billions* would need to be spent, so your argument doesn't make sense.

 

[Padwah]

Originally posted by Tom[SHOTTEH]
I can't imagine that to reduce fraud *billions* would need to be spent, so your argument doesn't make sense.

He's not saying that it costs them billions to reduce fraud, but that billions are lost by the banks due to fraud.

 

[kameleon]

banks never invest in insurance companies...coincidence? i think not

 

[bodhi]

You were doing well until you forgot that RBS own Direct Line, Priveledge and run Tesco Insurance.

 

[kameleon]

RBS is a bank? surely not!