Cloned debit card

Beerbaron

Beerbaron

Beerbaron

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Joined
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I got a call today from HSBC saying my debit card was being used in manchester, im not sure if im more angry with my card being cloned or that ive just paid towards Adebayors transfer to city :mad:

They have managed to spend about £185 so will i see this money again as the women at HSBC didnt give me a definate answer? As the payments are pending i have to ring them back as soon as they clear. What a crappy way to look after my monies :eek:
 
Not using a credit card strikes again. Just when will people learn :( You'll probably get the money back but will be out of pocket in the mean time.
 
You ought to get the money back, but as Jez said you will most likely be out of pocket for the next couple of weeks at least. The banks are generally pretty slow when it comes to investigating and reimbursing this sort of thing.
 
How do crooks actually go about cloning the card? By that, I mean what situations would lead to a card being cloned?

I don't have a credit card currently, just two bank accounts with an available overdraft on each and a debit card for each account. I have never been the victim of card cloning and would like to keep it that way!
 
It can be any number of ways.

A card reader over the card entry slot on an ATM with a camera to record the PIN entry (always place your hand wallet over the keypad when entering PIN, never use ATM's in garages that don't have a 24hr presence as they seem to be ripe targets).

You hand your card over to the waiter at a restaurant to pay for a meal, they take it away to swipe and double swipe it through another card reader at the same time, bring machine back and watch you put your PIN in (never let the card out of your sight and cover the machine when putting your PIN in).

Probably a few more, these are the two that have got my girlfriend so far until i punched her in the ovaries hard enough so she would remember to do the bits in brackets above!). She did get all the money back (£900) but it took a week or so if i recall correctly.
 
i had my debit card cloned at Christmas (and i realised where it happened too!) Took over £500 so i had to use my credit cards to buy all the christmas presents.

I only take cash with me now and use my credit card in a few well known stores or online (again only well known companies and I check the page is secure)

Although about a month ago I had a call from M&S saying they thought they had spotted a dodgy transaction. Someone had cloned my card and processed a small payment of £5 (obviously to test it) so thankfully it was stopped before they could take more but im still waiting on my replacement card.

Trouble is i had used it online then a couple of days later I think i gave it over the phone to a spa. Although im not 100% sure as the transaction hasn't appeared on my statement so at the moment i dont know if it was cloned online or it was the woman i spoke to.
 
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I thought the chip in the card is meant to prevent cloning, because even if they copy the magnetic strip and the pin, the chip inside can not be replicated?
 
For this reason, I have a basic cash card account that my wages go in and use a credit card for shop/online purchases.

Covered for this type of thing and if I was ever ripped off, it's paid back far quicker.
 
Dist said:
I thought the chip in the card is meant to prevent cloning, because even if they copy the magnetic strip and the pin, the chip inside can not be replicated?
Click to expand...

Well they only need to copy the number / date / security code etc to use it online or over the phone, and i'd be fairly positive that some undesirable types would have the capability to forge the chips if they wished.

Practically the only point to chip and pin is to take the blame of the banks/company's and on to the customer. Now it's your fault for not guarding your PIN as before it was there fault for not spotting it was a fake.
 
If the bank have contacted you rather than the other way around, then it's very unlikely they won't refund the transactions. If you are going to struggle for money until you get a refund you may be able to get an emergency overdraft for the amount taken. You'd probably need to speak to the fraud team about that, rather than your branch. They should have been able to give you a turnaround time for your case, even if they can't tell you if you'll be refunded yet.
 
i can live without the money fine until its refunded, its just the way HSBC said they cant do anything until the transaction has gone through and then i have to contact them.
 
Nationwide were really good when this happened to me. They rang me and asked if I had tried to book a train ticket in manchester. I said no and it was cancelled and a new one sent out which arrived 2 days later
 
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