How the sodding.... card details stolen.

kindai

kindai

kindai

Sgarrista
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So, I have a variety of accounts.

1) Account 1 - This is where I manually funnel all my income. Have a card, stays secure in my desk never used for payments. The only way money comes in or out is if I move it to or from one of the other accounts first via online banking. Never use the account card or direct debits / standing orders.

2) Account 2 - This is my "general use" account, where I send and receive payments for day to day things, pay for things using the card, have my direct debits set up on etc.

3) Account 3 - Is the account linked to Paypal.


When I get the new cards for Account 1, they get put into my desk, most of the time still attached to the letter they came on, nobody has access to it apart from me.

Yet this morning, at 5am a call from Halifax letting me know that card is being used on some dodgy
"adult"
sites. Credit where it is due, Halifax blocked all the other attempts after the first, but, god damn how on earth do they get hold of card details which simply have never left the draw in my desk.
 
Funny how this kind of thing often happens.

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Had my virgin media and details sold or stolen 99% sure inside job. Not worried, what can you do?
 
kindai said:
So, I have a variety of accounts.

1) Account 1 - This is where I manually funnel all my income. Have a card, stays secure in my desk never used for payments. The only way money comes in or out is if I move it to or from one of the other accounts first via online banking. Never use the account card or direct debits / standing orders.

2) Account 2 - This is my "general use" account, where I send and receive payments for day to day things, pay for things using the card, have my direct debits set up on etc.

3) Account 3 - Is the account linked to Paypal.


When I get the new cards for Account 1, they get put into my desk, most of the time still attached to the letter they came on, nobody has access to it apart from me.

Yet this morning, at 5am a call from Halifax letting me know that card is being used on some dodgy
"adult"
sites. Credit where it is due, Halifax blocked all the other attempts after the first, but, god damn how on earth do they get hold of card details which simply have never left the draw in my desk.
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I have one card I never use, it's there for emergencys only

The only time I ever used it was in error (thought it was my regular card) when checking into a hotel

A few months later bank calls me asking if I'd bought a holiday, etc on it

Kind of narrowed it down to the issuer or the hotel
 
It wouldn't have helped in this situation but I would suggest using a credit card instead of uding account 2/3 for making day to day payments. You get much better protection in cases of fraud.
 
Bank could have been hacked, I doubt they're immune to it they're just less likely to announce it publically as it'd be business suicide.
 
Efour said:
Had my virgin media and details sold or stolen 99% sure inside job. Not worried, what can you do?
Click to expand...

Yep, happens way to often. A company I used to work for shipped all the customer support out to Asia. Almost immediately they started suspecting staff of stealing people's details and accounts etc. Another one was closed accounts being re-activated under someone else's control (but still billed to the real owner).

These days I only pay online for stuff using paypal and never give card details over the phone unless I'm speaking to someone in the UK.
 
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My wife had a new credit card issued last year. The very first use was over the phone to pay O2 phone bill. The person on other end of the line was South African Call centers moved to SA a year or so beforehand.). Payment went through fine and we left it at that. Few days later a holiday was paid for from SA to somewhere else, online casino deposit. Card company cal;led and they blocked it and sorted out everything. Its nasty when it happens to you.
 
Fortunately it was a small amount, and it flagged immediately as they can see the only way money comes in or out is via online banking transfers. Never used for a purchase.
 
Years ago I had my details stolen by a bent Dixons employee, who went on to buy £50 phone credits (Did it to a load of other people too) the Police asked me to make a statement, so I went to the Farnborough nick and did so, Afterward the Detective thanked me very much indeed.

Apparently I was the only victim who was prepared to lose half a days work to go in and make a statement for the sake of only £50.

Without me they would have had a rather harder time making a case (Apparently, though I find it hard to believe)

Cant really believe that so many people are so "Meh" about this:confused:

But then I am the sort of person who believes that identity thieves should get 6 month consecutive sentences for each offense and serve out their time in a North Korean forced labour camp.:p!

(I am sure we could do a suitable deal, post Brexit and all that! ;) )

ho humm
 
kindai said:
Has to be, its the only way, I know 100% I have never given out any details of this card, even over the phone to Halifax.
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Sequential number scam.
I had this some time ago with Ulsterbank/NatWest they called to say they were stopping my card after 90p attempt was made on iTunes.
I made clear I had not lost my details.
They said they knew, sequential numbering scam, as there are some websites that still process without the 3 figures on the back, they run numbers with combos of expiry dates until they get a hit.

No doubt they've expanded over time to do the same and guess the three on the back also.
 
Hikari Kisugi said:
Sequential number scam.
I had this some time ago with Ulsterbank/NatWest they called to say they were stopping my card after 90p attempt was made on iTunes.
I made clear I had not lost my details.
They said they knew, sequential numbering scam, as there are some websites that still process without the 3 figures on the back, they run numbers with combos of expiry dates until they get a hit.

No doubt they've expanded over time to do the same and guess the three on the back also.
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Yup that was the explanation I got from the bank when it happened to me. Just random bad luck
 
weringo said:
It wouldn't have helped in this situation but I would suggest using a credit card instead of uding account 2/3 for making day to day payments. You get much better protection in cases of fraud.
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Everyone I know who has had their debit card cloned/fraudulised/whatever has received the money back or had the transactions cancelled with absolutely zero fuss. I'm not sure what else a credit card can offer in this situation! Incidentally, I had a call from First Direct last night about half an hour after I tried, unsuccessfully, to place an order on Just Eat, to check that it (and a couple of other transactions) were genuine.
 
Howard said:
Everyone I know who has had their debit card cloned/fraudulised/whatever has received the money back or had the transactions cancelled with absolutely zero fuss. I'm not sure what else a credit card can offer in this situation! Incidentally, I had a call from First Direct last night about half an hour after I tried, unsuccessfully, to place an order on Just Eat, to check that it (and a couple of other transactions) were genuine.
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Whilst banks are usually helpful in such a situation you are somewhat relying on their goodwill rather than the watertight legal protection offered by a credit card. If your bank account is cleared out by fraud it might ultimately be sorted out but there can be knock on effects such as missed direct debits which the bank can be powerless to make right if they block the payment in the first instance. You also have additional protection when making purchases over £100 with a credit card under s75.

Given the above it makes no funnel your day to day purchases through a debit card over a credit card imo.
 
I got a call from Halifax this week too but about my credit card and suspected fraudulent transactions overnight with John Lewis. They'd already cancelled my cards but wanted me to state it wasn't me and made complaint etc.
Bit of a pain but I was quite impressed how proactive they were.
 
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