Credit cards and fraudsters

[vernon]

So after a few "Security" questions and confirmation of the pin code he had received, said it would be sent out by courier for next day delivery.

There's the confirmation of a scam. No bank or credit card company asks for a pin number.

 

[Sandra6]

I noticed a couple of O2 top-up payments on my Halifax account a few years ago, which was a bit of a giveaway since I am on Orange! I got in touch with the Halifax fraud department and they sorted it out for me, but they refused to give me any details of what they found out on the grounds of 'data protection'.

I had similar with Halifax earlier this year, I noticed a payment of almost £200 had gone out to tesco direct, but knew I hadn't spent it. They refunded the money while they investigated. About two days later Tesco also refunded the money.
It then took almost two months, and several lengthy phone calls for Halifax to take their refund back and for me to find out what had happened.
Both parties used the "data protection" line for a while but I was persistent and eventually a very nice lady at tesco called me back and explained somebody in London had attempted to buy an ipod but as they used a different address to mine it was flagged by the fraud team and the money was refunded. She also said if he gave his actual address then the police would be able to press charges but she didn't know for sure.
Nobody knows how he came by my card details, and they were from a previous issue card which I had replaced when the numbers wore down so much it wouldn't work at the tills. I'd assumed it had been cancelled, but apparently not.

 

[ufkacbln]

Charity donations for a couple of quid and telephone topics are small enough to not raise suspicion, but allow you to check a cloned or stolen card electronically

This means that you know whether the card works without the risks involved of CCTV it a sharp shop assistant figuring out what is going on

 

[EltonFrog]

One of my card got cloned a few years ago, people buying fags and booze in the Far East. The bank sorted it out immediate they found out.

Just a point of pedantry. The credit card company are not refunding you, it's not your money being stolen it is the CC company's. Your personal details may have been stolen or copied but not your money.

 

[Drago]

Indeed. Under the Banking Act the bank is the victim, and the only way they can pass the buck to you is if they can prove you've somehow been negligent. The onus is on them to prove your guilt, not you to prove your innocence, so being refunded is effectively automatic.

Happened to me once and the source of the compromise was indeed traced to a petrol station being run by ba Tamil criminal gang.

And if we're being really pedantic, you can't 'steal' an identity. With the exception of electricity which has its own little caveat in the Theft Act, you can not steal something that is not tangible, which does not have physical form.

 

[subaqua]

There's the confirmation of a scam the stupidity of people . No bank or credit card company asks for a pin number.

is truer.

 

[subaqua]

Indeed. Under the Banking Act the bank is the victim, and the only way they can pass the buck to you is if they can prove you've somehow been negligent. The onus is on them to prove your guilt, not you to prove your innocence, so being refunded is effectively automatic.

Happened to me once and the source of the compromise was indeed traced to a petrol station being run by ba Tamil criminal gang.

And if we're being really pedantic, you can't 'steal' an identity. With the exception of electricity which has its own little caveat in the Theft Act, you can not steal something that is not tangible, which does not have physical form.

Abstraction i belive the wording is .

 

[Drago]

Spot on me old mucker.

 

[GetAGrip]

Charity donations for a couple of quid and telephone topics are small enough to not raise suspicion, but allow you to check a cloned or stolen card electronically

This means that you know whether the card works without the risks involved of CCTV it a sharp shop assistant figuring out what is going on

Twice in as many years I noticed strange little amounts taken from my account. Luckily, I informed the bank and they said my card had been cloned and was being tested. They stopped my card with no further payments taken. Still no idea how this was done. I guess it had to be an online site.

 

[Deleted member 1258]

Twice in as many years I noticed strange little amounts taken from my account. Luckily, I informed the bank and they said my card had been cloned and was being tested. They stopped my card with no further payments taken. Still no idea how this was done. I guess it had to be an online site.

I was caught out when Chain Reaction Cycles were breached a few years ago, they tested the card with a couple of small transactions which the bank picked up, the card was stopped, a new card was issued and the money was refunded.

 

[DiddlyDodds]

There's the confirmation of a scam. No bank or credit card company asks for a pin number.

He knows that now .. but these people are very confident and convincing when they call.

 

[DiddlyDodds]

Charity donations for a couple of quid and telephone topics are small enough to not raise suspicion, but allow you to check a cloned or stolen card electronically

This means that you know whether the card works without the risks involved of CCTV it a sharp shop assistant figuring out what is going on

Before they went on the thousands of pounds spending spree they bought an item for £14 most probably to check it went though ok before doing the rest.

 

[DiddlyDodds]

is truer.

Easy said when your not the one thats been scammed, these people are not thick thugs who mug old ladies for a fiver, they are highly educated and sharp tongued experts in the extraction of information.
The more you think you are immune to being the victim of a scam because your too clever, there is always someone further up the clever tree.

 

[Archie_tect]

Paid a holiday deposit using my credit card [where you have to give them the 3 digit number on the back] with a well known holiday cottage letting company and within minutes of the call my card details were used to buy small items in the UK [checked back on my statement to try and trace when it started- but the credit company didn't take the initial fraud any further, as far as I know]... 2 days later they used the card details on line to buy tvs and video equipment in Singapore... Fortunately the fraud dept of my bank blocked the transactions and rang me to double check.

Now if I go abroad I let them know where I'm going and have the emergency contact tel.no. on my phone just in case!

 

[subaqua]

Easy said when your not the one thats been scammed, these people are not thick thugs who mug old ladies for a fiver, they are highly educated and sharp tongued experts in the extraction of information.
The more you think you are immune to being the victim of a scam because your too clever, there is always someone further up the clever tree.

Have had a PIN for 27 years . when I was first issued with a card for my cardcash account at 13 I read in the notes that the bank will never ask for your PIN and if they doi then it is not the bank calling. not too clever to be scammed and have had the card used fraudulently - always picked up by me at statement time or by the banks fraud systems. the one your friend got caught with is on page 1 of the scammers book of scams to try on gullible mugs.