Not living with us, no, and nobody enters the house and opens our safe or drawers to read a debit card.Op.
Do you have kids?
Has anyone gone into your house?
Not living with us, no, and nobody enters the house and opens our safe or drawers to read a debit card.Op.
Do you have kids?
Has anyone gone into your house?
Not living with us, no, and nobody enters the house and opens our safe or drawers to read a debit card.
OK, but has anyone come in?
Not hard to take a photo of both sides of a card say 6 months back, then start using it now.
I'd never trust anyone enough not to.. apart from my wife.
I'd fully expect my kids to try it at least once. Because... kids.
Dunno.. we as humans have eyes and hands. We tend to move things around until we find something interesting.How would they know it was there if it was put in a safe place?
Dunno.. we as humans have eyes and hands. We tend to move things around until we find something interesting.
Problems in the banks transaction management back-end, ie. someone else's transaction being applied to their account due to transaction processing problems within the daily batch. Usually the bank find out and correct before the customers notice but sometimes it takes a customer flagging it to find out there's a batch problem.Anyone else have no idea how this could have happened given the details the OP has shared so far?
Huh? And so does the person who looked at them. After looking for them.That's what you might do. Not sure how many do this though. I certainly don't, I know where I put things lol.
Problems in the banks transaction management back-end, ie. someone else's transaction being applied to their account due to transaction processing problems within the daily batch. Usually the bank find out and correct before the customers notice but sometimes it takes a customer flagging it to find out there's a batch problem.
Edit: Bit of an example - a new merchant used a special character which got through most programs but an old batch program was never modified to handle such and had a badly designed exception handling process which missed it, read the next record for the merchant details and applied an incorrect merchant code to a correct transaction. Same could possibly happen if an error occurred when calling for customer details although it would be exceptionally rare to have something like this go unnoticed for so long. Perhaps they've upgraded their IBM batch with some new stack API's and are having issues? Lots of possibilities, worth asking them to verify the original transaction coming in from MasterCard or Visa.
No idea. Just throwing ideas out there...So not a "Deliveroo Scam" then like the OP suggests.
banks need to up their security man this should not be happening in 2021. All banks need a re-auth with MFA on all transactions and I don't care how inconvenient it might be to someone. They loosing bloody billions to scammers and scammers are winning!
I read up about London scammers and how much they ripping out of peoples banks through cash withdrawals. Absolutely disgusting it is.
Well, I'm not going to read 8 pages, but unless card cloning has changed, the card needs to have been used in order for it to be cloned? The OP said he's never used it.Thread on MSE forum also covers this scam, appears to have been going on for sometime.
https://forums.moneysavingexpert.com/discussion/6200315/deliveroo-credit-card-cloning-query/p7
Well, I'm not going to read 8 pages, but unless card cloning has changed, the card needs to have been used in order for it to be cloned? The OP said he's never used it.
Definitely not a keylogger that card is not used anywhere and certainly not online. That account is pensions in, direct debits out occasional dump to a savings vehicle. All done by my wife who would rather write cheques than use her debit card. my card has never left the house since it arrived shiny new from the bank.No idea. Just throwing ideas out there...
Could have got their details from a key-logger.
Could have got them physically from the cards somehow.
Ask them to trace the transaction clearing data and if it shows legit get them to ask the acquirer (M/C or Visa or whoever) to verify it's legit from the merchants data. If all is legit then someone has/had a leak, as you say the card has never been used and it's pretty impossible for someone to figure out the encryption keys to correctly create a duplicate.Definitely not a keylogger that card is not used anywhere and certainly not online. That account is pensions in, direct debits out occasional dump to a savings vehicle. All done by my wife who would rather write cheques than use her debit card. my card has never left the house since it arrived shiny new from the bank.
I have a seperate current account and card for online use from a different bank so there is a firewall airgap about 100 yards long along the high street.