Need Help - Re Bank Fraud

Hrm, is it just me, or these days you simply can't log on to internet banking with a PIN number, or speak to an operator without additional security? There's no way I would store bank security info on my phone or even facebook (if I had an account).
 
Nexus said:
What I don't get, as others have said, is if your card was already stolen and replaced with another, how you withdrew cash with a fake, or somebody else's card.
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it would make sense if the card hadn't have been switched and the card was read with a reader and a camera got the pin, then the fraud in curry's or wherever would have made sense.

I don't understand how a stolen PIN then leads to bank transactions and the taking out of loans (surely you can't get a loan so fast?).
 
VinceB1 said:
Yea my misses works for HSBC and I use the telephone banking every now and again. The others in this thread are bang on, before now I have had trouble accessing our joint account as I had no idea on passwords etc.

On the other hand if you had your full address, mothers maiden name etc stored on the phone then that could well be a problem. But who does that right?

edit: Also log in information is never given over the phone it arrives in a couple of letters. Is it not possible that somebody could have cloned your card or something?
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I used to work for them... the amount of mistakes that were made when passing through security were beyond belief!

People giving any caller information, major lapses in security... etc!
 
oldbag said:
I don't understand how a stolen PIN then leads to bank transactions and the taking out of loans (surely you can't get a loan so fast?).
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I know when i used to login to my Barclays account there was a section for "pre-approved offers" with loans and overdrafts.
 
I've never understood banks calling me and asking me to prove that i am me by them asking me MY personal details.

It has happened only afterwards has it crossed my mind that it could have been any con artist that went through my recycled rubbish and found a scrap of bank headed paper with an address and name on it.

I shred everything now but is it still practice for banks to to operate like this?? It seems to be a monumental flaw in the system with the technology that crims can access these days!

Good luck getting it sorted but surely there are many lines they can follow up CCTV, Phone numbers, IP addresses. whether they think its worth their time and money tho is another story...

Even when i buy a takeaway and pay by debit card i have to tell them the full details of the card including 3 digit security number... etc etc What is stopping and jerk going Postal and going on an online spending spree and getting good delivered to a fake address.

Tin foil hats at the ready
 
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Try this on for size:

OP heads out to a club and gets plastered. He gets his pin code noted by a pro "spotter". Part 1 of the plan is then in motion. The spotter pick-pockets the OP's phone and looks thru it for useful info. He finds what he is looking for and relays it to the "taxi driver". The driver then swoops in and offers a ride. Part 2 is now done. During the ride the OP asks the driver to stop so he can pin some cash. His wallet and card are now out in the open. Part 3 is now afoot. During this moment or perhaps when the money changes hands for the ride the OP is pick-pocketed again and his bank card is swapped. It is swapped rather than just nabbed so as that he doesn't notice it right away and have the account shut down. This gives the thieves time to extract whatever they can.

Keep in mind the drunk factor here. OP seems to find it near impossible that the Taxi Driver pick-pocketed him, but was in some state of drunkeness at the time. The reality is that the OP was an easy target, and who knows what he said to the driver and didn't even remember saying.

The OP was likely the target of a well organized band of pros from eastern europe. While I'm sorry to say it it was likely gypsies. Remember that crazy fortune telling gypsy woman can get all the info she needs from someone via only a few cues. The driver was likely equally skilled and was able to get all he needed from the drunken OP without the OP really realizing it, and was then able to put the final part of the plan into working. That being extracting money from the account, making account transfers, spending it at stores etc.
 
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Ahleckz said:
I think that we have found our suspect.
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Hehe I wish I was that good at slight-of-hand :p That is why I say that it is likely gypsies thou. They are one of the few groups left that still practice swindles that involve slight of hand. The bank card switch almost seems trademark. Most other criminal networks have moved on to more white collar crimes like internet fraud, or have stuck to hardcore crimes like guns, drugs, prostitution, burglery etc. Crimes using pick-pocketing are more rare than people think. Especially here where it appears that 2 seperate pick-pockets were involved.

Consider this is well. Perhaps it might be hard for the OP to remember, with him being drunk and the club likely crowded and noisy, but I bet you that the spotter had a nice looking bird with a decent rack step up beside the OP and order a drink at the bar just as he was pinning :cool: He is then distracted to look at her, with the barman (assuming it was a bloke) at the cash register likely giving her the eye as well. The spotter then seizes the moment and makes easy note of the pin code, as no one is watching him.
 
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Interesting theory Bulldog14.
However, perhaps to add a twist in the tale, the one who stole the phone may also be the "taxi-driver" :eek:
 
Efour2 said:
Even when i buy a takeaway and pay by debit card i have to tell them the full details of the card including 3 digit security number... etc etc What is stopping and jerk going Postal and going on an online spending spree and getting good delivered to a fake address.

Tin foil hats at the ready
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i think i got done this way as my card didnt get pinched and pin had not been stolen so it must have been one of the swines that took my card info when paying a bill - probably batches them up and sells them on. I recon it was either British Gas or Carphone Warehouse. I only pay my bills online now.

This all sounds really really odd and i cant fathom how it happened. I am astonished HSBC would allow £20k to go walkies without a phone call to check if you had in fact carried out these transactions.
 
Smit said:
Interesting theory Bulldog14.
However, perhaps to add a twist in the tale, the one who stole the phone may also be the "taxi-driver" :eek:
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Aha! Crazy disguises make it complete indeed ;) I'm thinking bad mustaches and fake beards :D

If you think about it thou it is not so far-fetched. All it takes to run a scam like this is a few watchful people, a bit of distraction/slight of hand, and most importantly timing and luck. They group probably has aborted the plan at various stages dozens of times, and each time it cost them nothing. It only takes that one time for everything to fall into place and voila, one scammed OP. If this is the way it went down thou I think the OP can at least walk away with his head high. This could happen to almost anyone on a night out.
 
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