Cash Machine Fraud / What to do?

DaveyD

DaveyD

DaveyD

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Joined
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Warwickshire
Hi,

I've just checked my online bank account, and I'm 100% sure two transactions out of my account today are not of my doing, one being of £32.54, and the other £39.23.

They're both marked as TESCO UPT. There is a Tesco Express at the bottom of my road with cashpoints I use regularly, so I'm thinking that somebody has gone and copied my card or something and used it at the same Tesco.

Do I just phone my bank? or need to speak to Tesco as well? I don't see how this could be a mistake by me, as I don't remember the last time I paid for something by card.

Am I likely to see this money again with it being so small?
 
Thats a transaction from a Tescos petrol pump - one of those unattended ones.

If it wasn't you and whether or not the card is in your possession you should phone your bank using any available 24hr number asap and report the fraud. They should then stop your card and start talking you through the dispute process.

As it is an unattended machine then there should be very good chances of getting your money refunded.
 
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Speak to your bank first asap, the fraud teams are usually manned 24 hours a day.

They will tell you what to do, which will most definitely include speaking to the police. They can check out the security vids at tescos etc..

Good luck, there is a decent chance you will get your money back too.

But be sure you didnt spend that money first!
 
Phone soon also, if those transactions were made very recently they could have been tester ones before spending a silly amount.
 
Since cash machines don't dispense coins I'd guess that it wasn't fraud at a cash machine.

It sucks though, a friend had his card cloned a few weeks back and he hasn't had any of the money back yet. The bank are investigating (apparently) and this was by no means (according to the Police) an isloated incident.
 
burbleflop said:
It sucks though, a friend had his card cloned a few weeks back and he hasn't had any of the money back yet. The bank are investigating (apparently) and this was by no means (according to the Police) an isolated incident.
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But everything's okay now we've got chip and pin ...
 
I had my card cloned while abroad and when I returned I had over £600 withdrawn from all around Tenerife. I contacted my bank (HSBC) and got a call centre in India who were'nt that helpful so went into my branch. They cancelled the card and told me to go to the police for a ref. number then they could proceed in there investigation. All I had to do really was provide proof that I was not in Tenerife at the time and within 3-4 months I had every penny back. The reason it took so long was apparently because it was abroad their Deutsch Bank (where I withdrew a small amount of cash from) had to be contacted and also the Police there.
 
I use my credit card pretty regular at tesco pumps. First off it tells me i can put £60 fuel in, even if i dont have £60 left on card, then dosent even ask for signature, pin or anything.

Wide open to fraud IMO.

I can find anyones card on the dtreet, go to tesco and fill my car with it.
 
DaveyD said:
Cancelled the card now, so at least I'm reasonably safe now I guess.
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Yup that will stop any other transactions coming out.

Your bank should have advised you to now contact there Disputes / Fraud dept to now dispute them and get the Money back for you.

If they havent, id do that now/tomorrow.

And yea those are Petrol Pump trans of tesco, they still read the magnetic strip iirc, sounds like a cloned card
 
MeatLoaf said:
I use my credit card pretty regular at tesco pumps. First off it tells me i can put £60 fuel in, even if i dont have £60 left on card, then dosent even ask for signature, pin or anything.

Wide open to fraud IMO.

I can find anyones card on the dtreet, go to tesco and fill my car with it.
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The Asda near us now has chip and pin for their petrol pumps, much better IMO.

I only use my Credit card rather than debit card with any pay at pump thing though, gives you slightly more protection.
 
Yes, I agree, Chip and PIN at least stops someone random off the street finding a card and shoving it in to an unattended petrol pump.

I recently (i.e. this year) had £3,000 worth of fraudulent transactions on one of my cards (and yes, it was a Chip and PIN card). Had no problems at all getting it all back, so maybe all those scaremongering stories about banks hiding behind Chip and PIN aren't quite so scary after all.
 
The big difference Chip and Pin makes for banks is whose liability it is.

If your card is used fradulently in store and not pin verified, the store, not the bank, bears the cost of the transaction. The money still comes back from the bank, but it's not them out of pocket. (this is what all the 14th feb stuff is about)

Chip and pin is a safer system than a signature written on the back of the card, but like anything it's not foolproof, and the bank recognise this.
 
Berserker said:
Yes, I agree, Chip and PIN at least stops someone random off the street finding a card and shoving it in to an unattended petrol pump.

I recently (i.e. this year) had £3,000 worth of fraudulent transactions on one of my cards (and yes, it was a Chip and PIN card). Had no problems at all getting it all back, so maybe all those scaremongering stories about banks hiding behind Chip and PIN aren't quite so scary after all.
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There not, the problem is too many people see banks as being money hungry, and in some terms, granted they are. In terms of fraud they are not though, i used to think like most and jump on the bandwagon, since working for a bank though and knowing a lot of people in the Fraud Team, they pay back pretty much everything as long as you didnt disclose your pin.

Plus a huge huge amount of fraud takes place froma random finding the card/wallet of cards and using them, rather then something more organised. And chip and pin almost stops it dead..forging a sig is easy, guessing a 4 digit number in 3 attempts not so much
 
I haven't to this day found out how they did mine. The card was in a locked drawer at home, where it has been for the last six months. I can only assume one of my many internet shopping accounts got 'done'. Haven't found out which one yet, but I'm using new passwords now as a precaution.
 
Berserker said:
Yes, I agree, Chip and PIN at least stops someone random off the street finding a card and shoving it in to an unattended petrol pump.
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Or indeed from using it in any shop in the country - a criminal who can't copy a signature well enough to be accepted on his second attempt isn't much of a criminal.
 
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