Someone stole my credit card details!

FutileBreadMachine

FutileBreadMachine

FutileBreadMachine

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Surrey
Just found out someone used my old credit card which I cut up and threw away! They bought some TFL top up and a plane ticket on Friday then stayed in Dusseldorf for 2 nights and checked out on Sunday (paying for the 2 nights when they checked out). The bank called me today saying they blocked a charge to stay in a Travel Lodge and asked if it was me trying to pay.

The stupid thing is that the bank were supposed to cancel the card a month ago, but didn't. The chip on it was wearing out, so I ordered a new one and cut up the old one on 20 October. I asked them why they didn't cancel the old card and they said someone in customer services forgot to.

I don't know if someone went through my rubbish and put the card back together or if they somehow got the details from a website. I only use it on safe ones like Amazon, no dodgy ones, and I mostly use it in M&S or Morrisons, so I have no clue who might have copied the card number and security number and my name.

I think they intentionally made the purchases at night on a Friday and then over the weekend since then I could only view the transactions on Monday, by which time it would be too late to stop them.

******* *****, I hope they caught AIDS from a dirty German hooker.
 
Bad luck mate. Which bank are you with out of interest? Strikes me that their customer service department could do with some work. People do go through rubbish for that kind of thing unfortunately, I tend to split anything with my details on it into separate sacks. Also it is possible the perpetrator made the purchases in question online, then he wouldn't have needed to repair the card.

Are the bank expecting you to pay?
 
BluSky said:
Bad luck mate. Which bank are you with out of interest? Strikes me that their customer service department could do with some work. People do go through rubbish for that kind of thing unfortunately, I tend to split anything with my details on it into separate sacks. Also it is possible the perpetrator made the purchases in question online, then he wouldn't have needed to repair the card.

Are the bank expecting you to pay?
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Yeah I was thinking at the time that I should throw some of the pieces away at home and some at work, or in random bins, but I thought there would be no one crazy enough to dig through my filth :D. I cut through the chip, but I guess they only need to be able to read the security number, card number and my name to buy stuff on some sites. I don't know how they were able to check out of the hotel without signing something and showing the card. I guess the hotel might have taken the card details online and then only charged the card when the dirty **** left.

The card is an M&S card and the bank says I am not liable for any of it, so I need to sign some form they will send me confirming the charges weren't mine. Apparently banks don't care about this fraud since they are insured. A guy at work said his mate tried to go to the cops when his card got used and they cops said they couldn't do anything unless the bank pressed charges. If the police wanted, they could find out who booked the Easyjet flight on Friday since the **** would have had to show his passport at the airport.
 
I'd be careful what PC you use your cards on. I only online bank and such at work.

Some third world rubbish sifter wouldn't be living it up in Germany.
 
Glaucus said:
How did you cut it up?

Sure it wasn't cloned some other way?
Click to expand...

I saw a program where they showed how dodgy waiters have some card cloning thing strapped to their calf, and all they do is slide the card past it and it copies the card, but I always watch them since they are standing right next to me mostly. I am trying to think now where else I might have used it. I will download an Excel sheet of the past year's transactions and see which places I have only paid for something once or twice. I am trying to remember now where I might have handed it to someone who took it out of view, since like I said, I mostly use it for grocery shopping at M&S/Morrisons, so I hardly ever hand it to someone, and when I go to the pub I use my cash card.
 
I don't think you understand how the rubbish guys work. They do the sifting and give the details to someone else who pays them for their time/work. It's not the sifters that do the actual fraud normally.
 
Be thankful it was your credit card and not your debit card.

BTW... do you use the card at petrol stations?

Also.. the hotel are guaranteed to have pictures, and especially the travelodge... I suspect that if they were to investigate that person would be swiftly caught.
 
Scougar said:
I don't think you understand how the rubbish guys work. They do the sifting and give the details to someone else who pays them for their time/work. It's not the sifters that do the actual fraud normally.
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I see, makes sense since otherwise they would be climbing in dumpsters in full view of everyone, or walking down the street holding rubbish bags. I was actually posting this to remind people not to throw their cut up cards in the bin like I did (assuming that's how they got the card details - just seems suspicious that the card I threw away a month ago gets used for fraud).

From now on I will definitely use the multi-bin method. Or maybe melt the card.
 
Scougar said:
I don't think you understand how the rubbish guys work. They do the sifting and give the details to someone else who pays them for their time/work. It's not the sifters that do the actual fraud normally.
Click to expand...

That'd possibly depend where the rubbish went i guess.
 
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