£1200 Charged to my Visa

Ham · 11 Jan 2009 at 23:58

Argh! Just logged into my internet banking, was shocked to see the balance of my Visa. Seems a payment went out to 'Mac Warehouse' on the 7th Jan for over £1200!

HSBC phonelines close at 10, will give them a call first thing tomorrow though.

Any idea if i'm covered for this? No idea how it's happened

Dolph · 12 Jan 2009 at 00:00

You should be covered for it, they'll probably start and investigation, send you a new card etc.

They'll send you a declaration to sign confirming you did not authorise the payment, and sort it that way.

Had it happen to me a few months back, but HSBC picked it up the day it happened and called me, couldn't fault them tbh.

meghatronic · 12 Jan 2009 at 00:01

Yeah, sorry. I was craving some mac goodness, and your card was just lying around.

Seriously, VISA credit card? If so, zero problem them reversing charge.

Call 08456 007 010/01442 422 929 (24hr)

ste_bla · 12 Jan 2009 at 00:05

I would phone up the lost/stolen number and get your card cancelled asap and then call C/S in the morning!

Ham · 12 Jan 2009 at 00:11

Thanks for the reassurance/help/phone numbers guys. Have just cancelled the card and will be giving credit control a call in the morning. should have a slightly better night's sleep now.

meghatronic · 12 Jan 2009 at 00:13

Ham said:
Thanks for the reassurance/help/phone numbers guys. Have just cancelled the card and will be giving credit control a call in the morning. should have a slightly better night's sleep now.

Glad we could be of help.

To be safe online and in life, always use a credit card.

BringTheRain · 12 Jan 2009 at 00:32

TBH - My dad had same problem about 2 years ago. They proved it wernt him and he necer paid

Stretch · 12 Jan 2009 at 00:32

HSBC dose not close at 10, it's 24 hour. Get on the phone and sort it out.

Tom91 · 12 Jan 2009 at 00:49

That's gutting! Good luck sorting it out mate.

dangerstat · 12 Jan 2009 at 00:51

I'd be surprised if the HSBC line was not 24 hrs TBH. Perhaps you need to re-google?

Strife212 · 12 Jan 2009 at 00:52

My mate also had money stolen to buy a Mac.

I honestly wonder - why do these scammers always buy macs? High resale value?

dangerstat · 12 Jan 2009 at 00:53

Strife212 said:
My mate also had money stolen to buy a Mac.

I honestly wonder - why do these scammers always buy macs? High resale value?

Nah they're obviously just homo's

J.B · 12 Jan 2009 at 00:55

Strife212 said:
High resale value?

Probably that, also if they stand out a bit more than just a generic pre built PC so probably easyier to shift on ebay.

Hilly · 12 Jan 2009 at 00:58

dangerstat said:
Nah they're obviously just homo's

made me lol

PhillyDee · 12 Jan 2009 at 01:08

Make sure there are no other charges from earlier. I know I got hit on my mastercard for a relativly low £30 Tesco top-up (They were testing the water). Only to find they had also tried to get a credit card in my name and change all my address details for the mastercard at the same time. Luckily the bloke who took all the info noticed my name and that the accent didnt match the area so nothing was done except a fraud investigation (Luckily!). Its a horrible feeling knowing that someone has stolen your identity. It wouldnt surprise me if they have other drtails to. Get a credit check done and query everything that wasnt you. They can get it removed from the file.

cheets64 · 12 Jan 2009 at 01:19

I would be surprised if a £1.2k purchase on a CC wouldn't come up flagged, my CC company rang me up after a £600 purchase and wouldn't authorize it they had my confirmation.

Darg · 12 Jan 2009 at 01:34

Okay, so they'll have his address that the item he purchased was to be sent to. Not really clever was he.

You'll be fine and he'll be in jail. The world will be a better place

Wizzfizz · 12 Jan 2009 at 02:02

cheets64 said:
I would be surprised if a £1.2k purchase on a CC wouldn't come up flagged, my CC company rang me up after a £600 purchase and wouldn't authorize it they had my confirmation.

I made a purchase of £8.99 and had my card blocked. I found out this was only because I had two small transacations in the space of one another. Recently though I've spent 4k on gear, guess what? went through easily! :confused:

A bit off topic though, I'm with Halifax I find their online banking security pretty easy to log in, I only need login, pasword, favourite sweet. Yet I try Barclays and have to use a card slot thing, to get a random number to log in, this takes longer but I do feel a lot safer. Anyone else feel the same?

hegemon · 12 Jan 2009 at 05:17

Ham said:
Argh! Just logged into my internet banking, was shocked to see the balance of my Visa. Seems a payment went out to 'Mac Warehouse' on the 7th Jan for over £1200!

HSBC phonelines close at 10, will give them a call first thing tomorrow though.

Any idea if i'm covered for this? No idea how it's happened

"Global Assistance

If your card is lost or stolen or likely to be misused, either at home or overseas, we provide 24 hour worldwide assistance. If you contact us immediately on 08456 007 010 (textphone 18001 08457 125 563) in the UK or +44 1442 422 929 (textphone +44 1792 494 394) from overseas our advisors will cancel your card(s) and will issue replacements immediately"

Did see the note at the bottom saying 8am to 10pm but assume that is just for one of those numbers else why say 24hr, slightly confusing :confused:

Doubt you'll have any problems with this, most CC companies are good at tracking this stuff down

Sankari · 12 Jan 2009 at 06:48

This just proves that Mac users are evil people.