Fraud victim

kaptainmarc

kaptainmarc

kaptainmarc

Soldato
Joined
19 Jul 2013
Posts
2,731
Location
derby
well my weekend was ruined last night!

checked my bank account to find all my savings had been transferred across into my normal account and then it had been emptied. all my savings for the wedding in May the whole lot!

safe to say I cacked my pants!

Its all getting sorted now and the transactions reversed.

but it got me thinking, obviously someone has took my money and bought something but what happens to the shop that has sold something on the sunday lets say for arguements sake a TV the person has the TV and the shop is waiting for the money to clear.

do they get the money? does their insurance cover it?
 
I would be more interested in how they managed to access your bank account rather than how they spent it.

I'd spend the day changing all your passwords, reformat your PC, check your mobile phone etc.
 
The store will be the one that loses out.

The fraudster gets a free TV.
You get your money back.

The store is 1 TV down and no money to account for it - they also will likely get a chargeback fee as a kick between the legs.
 
Vanquish-Storm said:
The store will be the one that loses out.

The fraudster gets a free TV.
You get your money back.

The store is 1 TV down and no money to account for it - they also will likely get a chargeback fee as a kick between the legs.
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Really? I thought some sort of insurance would come in to play here (ie the banks).

*I genuinely don't know . I am just surprised that it will be shop that gets told "sorry we are having that money back, tough titties"
 
I know how it was done, feel abit stupid for falling for it.

Paypal fake email being sent around that look genuine. saw it at 7am half asleep clicked it and "ammended my account" basically gave them everything. stupid mistake and lesson learnt

all my passwords have been changed. cards cancelled.

might cancel my paypal account and start a new one up just incase
 
kaptainmarc said:
I know how it was done, feel abit stupid for falling for it.

Paypal fake email being sent around that look genuine. saw it at 7am half asleep clicked it and "ammended my account" basically gave them everything. stupid mistake and lesson learnt

all my passwords have been changed. cards cancelled.

might cancel my paypal account and start a new one up just incase
Click to expand...

Poor form man!
 
To be honest I think if the fault lies with the account owner being unable to keep their account secure then it should be tough titties to the account owner, not the shop.
 
kaptainmarc said:
I know how it was done, feel abit stupid for falling for it.

Paypal fake email being sent around that look genuine. saw it at 7am half asleep clicked it and "ammended my account" basically gave them everything. stupid mistake and lesson learnt

all my passwords have been changed. cards cancelled.

might cancel my paypal account and start a new one up just incase
Click to expand...

Well if that isn't enough to wake you up and always pay attention to these sorts of things I'm not sure what will!
 
Jono8 said:
Poor form man!
Click to expand...

Yeah lesson learned, went back and had a look at the email and its very convincing.

they still managed to ring lloyds up pretending to be me and then transferred all my money out of my savings account, then paid all that into a american express card they own and had a nice shopping spree.

I never normally use email links and if there is a problem go straight to the website but for some reason being being tired and with work to do I took the easy route.

Offending email

vPdUkJG.png
 
Jono8 said:
Really? I thought some sort of insurance would come in to play here (ie the banks).

*I genuinely don't know . I am just surprised that it will be shop that gets told "sorry we are having that money back, tough titties"
Click to expand...

Some companies may have insurance against fraud but as we know insurances will do anything to not pay out.

It also depends who your payment gateway provider is. But after dealing with most of them first hand I can say they will do anything to say its not their problem.
 
Cosimo said:
Said the man who most probably never reads every word on an email. :p

The email address gives it away.
Click to expand...

Yes the email address as well, obviously but I was interested to see if the actual message was convincing like the OP said.

It is actually well written in comparison to a lot of them but if you read them carefully there is always something that gives them away.
 
yes I know its obvious now, I needed to pay for something that day, saw this on my email in the morning rushed to sort it as i was at work.

everyone makes mistakes. just an unfortunate one for me to make

my paypal still has all the money in it.
 
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