Just had my visa debit card fraudulently used!

This happened to me a few years ago. Even after agressive PIN changes every few months, shredding documents and stopping paper statements.

The bank told me a lot - including the postecode of the area where the fraud withdrawal withdrawal took place. Found myself looking at about 5-6 tall apartment blocks in east London on Google Earth.

I only use my CC now. Debit for backup only....and dont keep buttloads of cash in your checking account!! All that money guarded by just 4 digits is just stupid. ATMs need QWERTY keyboards to let us use passwords. Leave a numpad on there for those who wanna use 4 silly numbers.
 
KatanaDV20 said:
I only use my CC now. Debit for backup only....and dont keep buttloads of cash in your checking account!! All that money guarded by just 4 digits is just stupid. ATMs need QWERTY keyboards to let us use passwords. Leave a numpad on there for those who wanna use 4 silly numbers.
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That's the better way to do it, let the CC company deal with it.

If they implemented that idea they could keep the pin just so that the user could be authorised just to do simple tasks like check the balance or whatever else you can do on an ATM bar withdrawing or transferring money.
 
moogle said:
That's the better way to do it, let the CC company deal with it.

If they implemented that idea they could keep the pin just so that the user could be authorised just to do simple tasks like check the balance or whatever else you can do on an ATM bar withdrawing or transferring money.
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Yea thats true...I guess retina-scans, fingerprint-scans @ ATMs are just a matter of time. I just read about some UK bank releasing an app for smartfones that lets you withdraw cash from ATMs...without your card. Once youve registered and linked your phone to your bacnk you punch in the amount of cash you want and they send you a *one time use* PIN securely to your phone. You punch this one-time PIN into the ATM and get your cash.
 
Lighters said:
I always worried about this as I used to use my debit card a lot online. How much protection is there for debit cards? I know you can have the extra security code online but I have used my card abroad and for the most random things in different locations and my bank have never rung me regarding dodgy transactions.
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It's considerably safer online than in person. If you do it online then usually a human isn't involved.

Lighters said:
If someone spent everything in your debit account is the money gone or are the bank likely to refund it? provided you can proove its fraudulent etc
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You'll invariably get your money back. You don't need to go prove anything. It's usually obvious when it's fraud.
 
Happened to me once, but it turned out it was a transaction I actually made but forgot about. Visa refunded me when I queried it, then got a call from the company in question asking for their money. Oops. What a smacktard. :eek: Lesson learned; don't use the internets whilst drinking, and don't look too closely at your statements :)

I'm sure you'll be fine OP, good luck.
 
Had it happen a few times with my cards, started using credit card for just about everything now, as if anything goes missing its less hassle, plus your money is returned by the time you get off the phone.

Usually mobile phone top ups for me. Halifax seem to have gotten better at blocking them though, any suspicious transactions get auto blocked and phone me automatically for confirmation where i can allow or deny it. Very handy, all foriegn transactions get auto blocked.
 
It happened to my girlfriend around 5 years ago, she had her bag stolen in Birmimgham and within about an hour they had gone to her bank (the actual counter) and withdrawn over £1000 in cash. When she queried it with the bank teller her response was "Oh I didn't think the person who withdrew the cash was quite right" SO WHY GIVE HER THE CASH????

She has also had about 10 Three phone contracts set up in her name over the last few years using the same bank details that were stolen despite everything having been changed several times. Three flatly refuse to accept each case is related to the previous one and still send debt collectors after her and for some strange reason, will not black list her despite us asking them too.
 
Tombo said:
I see a classic attempt at "HAHA I got you, I was actually trolling by pretending not to get something, sarcasm LOL"

Awfully defensive about it to be believable.
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Zefan said:
What joke are you talking about? There is absolutely no evidence of even an attempt at a joke in any of your posts. If pretending to misunderstand is funny then humour isn't what I thought it was.
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Not sure if counter trolls...

And for that reason, I'm out.

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Six6siX said:
And never before have so many people taken a deliberately obtuse statement as literal before ;)

I not only took GCSE Sarcasm, but hold a Degree in advanced sarcasm and a PhD in Sarcasm and Trolling.

I'm well aware of the sentiment that was behind the comment :p
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Translated: I made a silly post and am trying to get myself out of it
 
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