Card Fraud

FortuitousFluke · 4 Jul 2016 at 12:38

I had this a week or so ago. I went to a wedding up near Newcastle about a month ago, roll on a few weeks and my debit card is being used in a wetherspoons up that way. Halifax sorted it in a matter of minutes.

Oddly this is the second time my card has been cloned at a wedding in the last 18 months or so.

Saundie · 4 Jul 2016 at 12:46

Rather coincidentally, I also had some fraudulent transactions on my card last week. The first was £2 to Oxfam, then there was a £10.99 mobile topup purchased in the Netherlands, and £127.50 in House of Fraser. Such a bizarre combination of purchases :|

I also had to sit on hold for half an hour to Halifax's fraud department, and because I did it from my mobile it cost me £6

koolpc · 4 Jul 2016 at 12:49

I once had card fraud. Someone tried to give me a Christmas Card that clearly belonged to someone else!

insane200 · 4 Jul 2016 at 12:56

wesimmo said:
It's a bizarre choice of purchase for a fraudulent transaction, "Hey, I've committed a crime, and I'll be at a specific location on a specific date if you want to arrest me."

Probably thinking that the statement might come after they have been, bloody risky though.

wesimmo · 4 Jul 2016 at 13:32

insane200 said:
Probably thinking that the statement might come after they have been, bloody risky though.

Very risky, often the biggest problem isn't getting card details, it's actually getting hold of stuff you buy with them without getting caught.

Saundie said:
Rather coincidentally, I also had some fraudulent transactions on my card last week. The first was £2 to Oxfam, then there was a £10.99 mobile topup purchased in the Netherlands, and £127.50 in House of Fraser. Such a bizarre combination of purchases :|

I also had to sit on hold for half an hour to Halifax's fraud department, and because I did it from my mobile it cost me £6

They'll have been testing the card to make sure it was still active before going for the big purchase.

Bickaxe · 4 Jul 2016 at 13:41

I had £0.51 at Google Play, £1 at Ocado (these were tests)
Then I was hit with 6 transactions at H&M the lowest was just over £400. Another 5 were rejected.
And then £15k of gold coins for some mobile game (way over the card limit)

All within a week. Santander sorted it all over the phone and were very helpful. They sent me details of the last one so i have an email address of the offender and a possible mobile number. Doubt they are much good though. I think they got the details after a trip to London.

Tosno · 4 Jul 2016 at 13:53

If only they took up Amigafans offer, they wouldn't have to do fraud and be able to afford a nice break away on a little campsite in the heart of the countryside without doing crime

Werewolf · 4 Jul 2016 at 13:53

wesimmo said:
Very risky, often the biggest problem isn't getting card details, it's actually getting hold of stuff you buy with them without getting caught.

They'll have been testing the card to make sure it was still active before going for the big purchase.

Yup

I, and a fairly large number of others had our card details taken from an American DVD retailer about 10 years ago.
The pattern was that the fraudster went into an Art Gallery, bought a coffee for about $2 then would go on to use the card for other more expensive stuff if it wasn't caught by the bank.

Low value transaction preferably in person (if in America) presumably using a faked card* to check the number works, then it's sold on or used to make larger purchases.

I got a call from Barclaycard the other night (I actually rang them back using the number from my statement) to say they were cancelling my card due to a fraud risk.

*Fairly easy to make if you've got some relatively basic and ancient gear if the retailer only uses the magnetic strip, even easier if the retailer gets a lot of different card types and it's in a country where customised cards are common from some issuers.

Scam · 4 Jul 2016 at 14:13

Droolinggimp said:
One thing that springs to mind is I paid the O2 bill over the phone. I got african call center and the woman on the phone asked for card details and address etc 3 times. Kulula holidays is based in Africa if my google skills are anything to go by.

Hmmmm.

I know nothing about O2 but I would be surprised at going through to a call centre in Africa. Do any companies outsource there? :confused:

Droolinggimp said:
She is shocked about the whole thing as its her first CC. Tempted to email the two companies and see what they say.

You say this like it's put her off having a CC. It would have been much more painful if she'd used a debit card and somebody had actually stole her money, rather than the banks

This is why I use credit cards for most of my transactions, online or in store.

Droolinggimp · 4 Jul 2016 at 15:28

I presume it was Africa as the woman had a strong SA accent. I may well be totally wrong.

Scam · 4 Jul 2016 at 17:21

Droolinggimp said:
I presume it was Africa as the woman had a strong SA accent. I may well be totally wrong.

Err ok. The girl who sits next to me has a strong SA accent. I work in Soho..

kindai · 4 Jul 2016 at 17:31

Interesting, today ive had 2 charges form google adsense to my credit card, 3.30 each, yet I don't use adsense, never even had an adsense account...

Greebo · 4 Jul 2016 at 17:34

Bickaxe said:
I had £0.51 at Google Play, £1 at Ocado (these were tests)
Then I was hit with 6 transactions at H&M the lowest was just over £400. Another 5 were rejected.
And then £15k of gold coins for some mobile game (way over the card limit)

All within a week. Santander sorted it all over the phone and were very helpful. They sent me details of the last one so i have an email address of the offender and a possible mobile number. Doubt they are much good though. I think they got the details after a trip to London.

Same thing when my GF card was compromised. They put two mobile phone top ups on it (very popular test according to the bank and the police) and then bought 3 Canon 5D cameras and lenses on it.

Greebo · 4 Jul 2016 at 17:36

Mujja said:
Most places when you place and order over the phone, e.g. takeaway delivery, will take all the card details including the security code and you address. There is nothing stopping the person writing you details down and passing on to someone else.

Several times in the last 6 months I have ordered stuff on websites where they dont even ask for the 3 digit pin? How does that work?

SUrely its dead easy to the credit card number and expiry date?

Pawnless Endgame · 4 Jul 2016 at 17:37

chris_h said:
I have heard of people buying laptops and cars on cards, but a camping holiday?

Yeah it can be anything. My parents got done a few years ago. They bought multiple £10 PAYG top-up cards in a short space of time and a pizza delivery. I got done as well about 10 years ago... some scrotes used my card (cloned probably) to withdraw €300 from a European cash point. I spotted it next day, reported it to Santander (Alliance & Leicester back then) and I got the money back a few days later. Happened on Christmas Eve of all days

Werewolf · 4 Jul 2016 at 17:53

Greebo said:
Several times in the last 6 months I have ordered stuff on websites where they dont even ask for the 3 digit pin? How does that work?

SUrely its dead easy to the credit card number and expiry date?

Anything other than the card number and expiry is pretty much dependent on the retailer and card merchant from my limited understanding, some will not bother with them because they're willing to absorb the risk.
Which is why some big retailers don't ask for the CVV, most will ask for the CVV and some go with CVV and VBV/Securecode etc depending on the risks involved and what they're prepared to accept.

The first time my card was used fraudulently it was online by someone using a merchant who didn't bother asking for the expiry, let alone the cvv, name, or address.

Jamesyboyjim · 5 Jul 2016 at 08:44

I had a credit card cloned many years ago, it was a card I never used. Checked into a hotel overnight though and they required a credit card (as many do) about a week later I got a call asking me if I'd attempted to purchase 6k worth of gym equipment, of course I said no to which the helpful lady on the phone said "thought as much, your card must have been cloned, cut it up etc etc"

What annoys me is it must have been cloned at that hotel, I informed the fraud team of my suspicion but they didn't seem too bothered as the transaction never went through.

Semple · 5 Jul 2016 at 13:32

Prompted me to have a skim through my accounts to just check everything is OK!

Skillmister · 5 Jul 2016 at 13:40

Me and my gf got back from a 2 week holiday last year to find someone had kindly signed up to a number of new credit cards in her name and purchased a number of brand new iphones/smartphones on expensive contracts, with insurance and a number of other bells and whistles. Quite a coincidence it happened while we were away and it meant we had an amusing stack of post to come back to. No idea how they managed to use said credit cards to purchase things as the cards arrived in the post :confused:

and no money was missing from her actual accounts.

doodah · 5 Jul 2016 at 13:49

Some little scrotebag did me the other week. Spent £70 on FIFA points and then a £600 credit agreement with Next. He/she got taste! Surely that FIFA account is a quick fire way to trace the perp?

Card Fraud

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