- Location
- Somewhere wet & hilly in NW England.
Google Wallet etc offer a greater level of security for all cards.
Tokens exchanged ilo of all card info'.
Tokens exchanged ilo of all card info'.
What a lovely time of year to find out that my bank card has been cloned...
- Thread starter PeteXXX
- Start date
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byegad
Legendary Member
- Location
- NE England
Mine got cloned and the first I knew was when I discovered I was £850 overdrawn. It turned out to be for a well known and now bankrupt payday loan company. I rang them and they asked for 'my account number' on explaining I didn't knowingly have an account they traced 'me' from the card number. 'Hello Mr Aziz' says the type on the other end. Fail, my name isn't Aziz! They insisted I report this to the police, meanwhile my bank was also asking for a crime number. So I call the local force, sorry service,.... well Rozzers.They sent out a uniformed officer who asked me to recount how I'd discovered the fraud, three times. On the fourth request to recount it, in order that the officer could make notes I challenged him and asked why I needed to go through it again.
It turns out that bad lad No.1 has been known to give bad lad No.2 his card so BL#2 can use it to raise a payday loan then BL#1 reports the fraud and they split the cash so helpfully supplied by the lender.
As even a cursory check on the card would show Mr Aziz was not the account holder Wonga lost out on £850 and deservedly went bust. My money was refunded and I presume my bank retrieved it from Wonga.
It turns out that bad lad No.1 has been known to give bad lad No.2 his card so BL#2 can use it to raise a payday loan then BL#1 reports the fraud and they split the cash so helpfully supplied by the lender.
As even a cursory check on the card would show Mr Aziz was not the account holder Wonga lost out on £850 and deservedly went bust. My money was refunded and I presume my bank retrieved it from Wonga.
oldwheels
Legendary Member
- Location
- Isle of Mull
A variation on this topic.
I got and email from my brother who was in Turkey that his wallet and cards had been stolen and he could not pay his hotel bill so they would not release his passport so that he could get money to pay them. Could I transfer X £ to the hotel to release his passport and gave the bank details for payment.
He could well have been in Turkey but being more tech savvy than me it did not sound likely.
Quick phone call to his office and there he was and told me I was the third person to call to check.
I got and email from my brother who was in Turkey that his wallet and cards had been stolen and he could not pay his hotel bill so they would not release his passport so that he could get money to pay them. Could I transfer X £ to the hotel to release his passport and gave the bank details for payment.
He could well have been in Turkey but being more tech savvy than me it did not sound likely.
Quick phone call to his office and there he was and told me I was the third person to call to check.
Fastpedaller
Senior Member
Our Tesco credit card was cloned. Wife received a text to her mobile saying her Domino Pizza transaction couldn't be processed - It's really handy that any payments are notified to her 'phone. As we've never bought or tried to buy from Domino, she immediately tried to call Tesco Bank. Unable to get through for several hours, she phoned again the next morning and got connected to someone fairly quickly. He went through all transactions that had been stopped, saying at one stage "they like their pizzas - they've tried Dominos 3 times 
" A transaction for a mere 5Dollars was also tried in the USA. Then he came to £300 which had gone to Eon...... "Are you an Eon customer?" 'yes we are'...... You could almost hear the cogs in motion on their end of the conversation ...... 'But we always pay by direct debit a varying amount using our current account (a different bank), so we haven't paid exactly £300. They said it would have to be 'looked into' and if we hadn't done it we'd get a refund within 14 days. We got the refund as expected. We asked 'how have they done this?' and were told 'they've probably looked over your shoulder when you've withdrawn cash'. We have NEVER withdrawn cash on our credit card (or our other credit card for that matter). We wonder if their system had been hacked (as we were unable to get through -all 'phone lines busy? ). It seems buying energy (this was over a year ago. so not as expensive!) is a prime scam method because if the card is used for a top-up 'key' there is no audit trail to the felon.
If only there was a delay on transactions where they were 'pending' a lot of these scams could be stopped before the funds went across.
" A transaction for a mere 5Dollars was also tried in the USA. Then he came to £300 which had gone to Eon...... "Are you an Eon customer?" 'yes we are'...... You could almost hear the cogs in motion on their end of the conversation ...... 'But we always pay by direct debit a varying amount using our current account (a different bank), so we haven't paid exactly £300. They said it would have to be 'looked into' and if we hadn't done it we'd get a refund within 14 days. We got the refund as expected. We asked 'how have they done this?' and were told 'they've probably looked over your shoulder when you've withdrawn cash'. We have NEVER withdrawn cash on our credit card (or our other credit card for that matter). We wonder if their system had been hacked (as we were unable to get through -all 'phone lines busy? ). It seems buying energy (this was over a year ago. so not as expensive!) is a prime scam method because if the card is used for a top-up 'key' there is no audit trail to the felon.If only there was a delay on transactions where they were 'pending' a lot of these scams could be stopped before the funds went across.
We take the precaution of logging holiday destinations with our bank
When I bought my Canyon CX from Germany, I told my bank that a transaction for £*, *** was about to be made and they still bounced it. Canyon said that that nearly always happens.
In a way, it is good that Santander keep an eye on things, though..
In a way, it is good that Santander keep an eye on things, though..
Ming the Merciless
There is no mercy
- Location
- Inside my skull
Send me your online bank login details and I’ll get it sorted
D
Deleted member 26715
Guest
We process many thousands of online transactions daily, of which a percentage are fraudulent, some we catch, we like to think most, but they do sometimes get through. The banks are getting better the latest security update they have imposed is a step forward, but more it still needed.
