been ripped off

FishPolice said:
Yeah that would make sense.

What is annoying though is that the office supplies company took the £187 out of my account on the 6th Sept but did not actually despatch the goods (ink cartridges) as they became suspicious. Why then did they not refund the card straight away? Presumably they have had it sat in an account gaining interest for them whilst awaiting contact from "the customer" or a fraud investigation team.

When will banks get their acts together? I mean where I work I sometimes need to take card payments from customers. It would be so easy to glance at the back of the card to see the last 3 digits of the security number. We always have the customer's address details on file already. The customer gets his copy of the receipt, we keep the other copy. So following one of these transactions I could very easily have a card number & expiry date, the card security digits, the customer name & address. Now all I need is an online company who will despatch goods to an address different to the billing address. This is insane. What are the banks thinking of?...
Click to expand...

AT the end of the day, any given security measure will only be put in place if it saves more money than it costs.

It was only when fraud reach high levels that Chip n pin was introduced, for example - there's nothing inherent in that system that couldnt have been done a decade earlier - it was just that it wasnt worth it.
 
I got ripped off to the tune of £1600 a few years ago. I spotted it the day after the money went out of my account.

The bank were useless. Called them up and told them about, but they just said they would raise it, and everythnig would carry on as normal ie I could carry on using the card. Went out that night for a drink and was extremely embarrassed when my card was refused at the till.
Went outside, called and ranted at the bank who told me my card had actually been cancelled and that the transaction should have been raised as fraudulent, but had only been raised as disputed.
Told them I was going on holiday in a few days (true) and that they had to have a new card to me by then. They apologised and said I would, because once the transaction had been marked fraudulent I would get an emergency new card issue.

Was getting nowhere for a couple of weeks until I contacted my local branch manager, who happened to have worked for the fraud area of the bank in London. He had a look at it, said he'd seen that type of transaction loads of times and would get it sorted. Couple of days later I had all the money back, and all the charges for it taking me overdrawn too.

Bank are flamin useless unless it's something in their favour.....
 
FishPolice said:
No doubt my bank will try to blame me for this fraud so any pointers would be most appreciated.
Click to expand...

Not at all - if my experience is anything to go by, they'll be helpful and sympathetic. Speak the fraud department, explain that the transactions have nothing to do with you and they'll then request copies of the signing slips from the vendors, forward copies to you and once you've confirmed that they're not yours, you'll get your money back.

Shouldn't be a problem - although you've got a bit of a hostile attitude atm, which I'd tone down before speaking to the bank.
 
I don't know which banks you guys use but on the two occasions we've had fraud issues things have been sorted out extremely quickly.

My brother was in Thailand (part of a world trip) when we received his latest credit card bill.
It showed purchases in the UK when he was in Thailand.
We phoned HSBC who initially wouldn't deal with us (the only problem we had).
My brother had to call the bank from Thailand and give them permission to deal with us with regards his banking affairs.
Credit card was cancelled and they arranged to get a new card to him.
He verbally confirmed 3 transactions that were not made by him, we had the paperwork the next day which my parents signed.
Two days later all of the fraud purchases vanished from all statements and my brother didn't have to pay any of it.

I had a problem whereby someone had managed to get Switch payments from my NatWest account - 2 totalling around £800.
Phoned the bank and immediately the card was put on hold.
New card arrived next day, seperate envelope some paperwork on the fraud.
Filled in and two days later all funds refunded back into my account.
 
Had this happen ages ago to a debit card. Usually they'll try making a donation to one of the "aid" foundations to see if its working for them, for me it was like £2.50 to christian aid, then they tried to make a few purchases worth a few hundred, bank twigged on right away after the christian aid thing and blocked them from buying anything.
 
CF93 said:
I got ripped off to the tune of £1600 a few years ago. I spotted it the day after the money went out of my account.

The bank were useless. Called them up and told them about, but they just said they would raise it, and everything would carry on as normal IE I could carry on using the card. Went out that night for a drink and was extremely embarrassed when my card was refused at the till.
Went outside, called and ranted at the bank who told me my card had actually been cancelled and that the transaction should have been raised as fraudulent, but had only been raised as disputed.
Told them I was going on holiday in a few days (true) and that they had to have a new card to me by then. They apologised and said I would, because once the transaction had been marked fraudulent I would get an emergency new card issue.

Was getting nowhere for a couple of weeks until I contacted my local branch manager, who happened to have worked for the fraud area of the bank in London. He had a look at it, said he'd seen that type of transaction loads of times and would get it sorted. Couple of days later I had all the money back, and all the charges for it taking me overdrawn too.

Bank are flamin useless unless it's something in their favour.....
Click to expand...

i had the same a few years back with barclaycard.....

i found £120 of shopping on my credit card from tesco Sheffield.... i phoned them up the instant i found out, stating that when my card had been used i had been WORKING in tesco, Romford.... at least 150miles away. (this is the reason i found out it was Sheffield tesco, tesco stores have a 4 digit number, and when i saw tesco 1234 i instantly went to customer services in my store to ask what store was 1234.)

Barclaycard's reply over the phone was: We will send you out forms for a dispute, because we believe you may have FORGOT that id driven 150miles, and gone shopping in Tesco Sheffield, instead of going to work that day. :rolleyes:

the very next day a £600 holiday, £800 PC and a taxi ride (to the airport i might add) all turned up on my bill, you guessed it, from sheffield.

they cancelled the card and still said they had to send me dispute forms. Took over a year and a half to get my money back, as they kept adding interest onto amounts, and once they removed the amounts, they only removed them, and not the interest they had gained.

Had to go to police and give statements etc as well.

:mad:
 
Last edited:
Visage said:
Its common when using card details to go for a small amount first of all to see if the card has been blocked, before then going in to big transactions if it hasnt (Small ones arouse less suspicion).

Charity donations are most commonly used for this., so its not surprising at all. I'd be wary of suggesting that the charity in question is linked to the fraud, for two reasons. 1) Its an incredibly dim thing to do - to steal credit cards and then use them to pay money directly to yourself/your organistaion and 2) Surely if you were going to do that you'd pick a larger amount than a few quid.
Click to expand...

1) - Is that actually supposed to be a reason? What a load of cobblers. So why Muslim aid and not the WWF, NSPCC or some other charity hmmm?
Why is it apparently so commonly muslim aid, could it be because of the background of the theives?

2) - right .... so firstly you suggest using a small amount to a charity to see if you can get away with it and then suggest giving a larger amount (which you stated would arouse suspicion)? So presumeably it is the NF trying to give muslims a bad name by donating nicked funds to charities .... lol.
Of course stealing a card and giving money to yourself is dumb, but to a charity isn't as it won't implicate you.
You'd have to wonder why the charity hasn't highlighted a large number of fraudulent payments of small amounts to it though wouldn't you.
 
Spacky said:
Tin hat - whats not to say muslimaid is a cover for funding terrorism or something extreme like that. Uk banks search out dodgey potentials and where their monies go to fund groups.

/Tin hat
Click to expand...

I thought that a huge sum of money had been frozen from a charity such as that following the earthquakes as it was found to be funding terrorists.
 
Overlag said:
i had the same a few years back with barclaycard.....
Click to expand...

Strange, i had someone shove £1500 on my barclaycard a few years ago, loads of dodgy deals in the US, adult internet sites etc (over the space of 2-3months). Contacted Barclaycard when i noticed it (i was young at the time, never even checked my account/bills, just paid them! That taught me a valuable lesson) and they cancelled the card, spent a couple of days getting in touch with all the companies and refunded all the cash, then sent me out a new card.

Must be one of those old things where it depends on how bothered the person on the end of the phone is with getting it sorted out for you!
 
I don't actually check my statements at all, they get put in a folder and only referred to if I have a problem (i.e the bank needs to check some details with me), and even then I don't notice if something is amiss.

Reading this has made me kinda paranoid, do you all go through your statements carefully when they arrive?
 
I've had £700 fraudulent transactions on my CC, no problems with getting reimbursed.

You should always check your statements, CC, mobile/land phone, gas meter/reading, electricity.
 
My mum had this happen to her last year ( Someone had cloned her card in a cash machine )

They used the card in London took £200 :eek:

Lucky The TSB Paid it all back :)

Lets hope you get your money back :)

David 334
 
Luckily this has never happened to me, but I check my online backing nearly everyday just to keep an eye on transactions and the money I have left... so I would spot anything pretty quickly :)

Hope you get your money back though :cool:
 
You must log in or register to reply here.
Back
Top Bottom