Bank Card Fraud

[jims-terrano]

Hi all, watch out shopping this Christmas.

We've just found out today that the wifes card has been cloned. They've taken us for hundreds and hundreds. Money saving Expert Web site has a lot of threads about the same thing from people who have bought from Amazon over the last few weeks!!! I'm not saying it's because of shopping there but worth taking precautions.

We are so carefull, we don't shop online often. We watch where we pay by card. Never give info out. Burn paperwork and don't shred.

Still waiting to see what the bank are going to do but as of 6 o'clock tonight they were still trying to spend our money. I'm pretty sure the bank will give the money back to us but it'll be timescale.

First we heard about it was an indian call centre phoning mobile phone wanting details from the wife. She told them to phone our home phone at 5:30 and wouldnt give number as they should have it if it is our bank. Anyway her mobile rang at 5:30 so she ignored it as it was the same number. Then house phone rang, I answered and it went dead. We googled the number and results said that it was a scam phone number. I wasn't happy and got wife to phone the bank as she wanted to ignore it. Turns out it is a fraud.

So watchout shopping online!

Jim

[makeitfit]

Dont panic Jim we only shop on line
Haven't got a clue what's work purchases and what's for crimbo half the time
However a few months back I did get a call from the bank on sat afternoon
I'd been cloned , well the card anyway They asked if I had just bought 1200 quids worth of gold No says I , ah then I was told about the 120 quids worth of jewellery and several vodafone top ups etc.
The bank said they'd stop the payments going through now, and I got the other monies back on the Monday sorted
New card a few days later, simples

[solarman216]

wonder how they got your home phone number, they could not have got it from your bank, or could they? Rick

[makeitfit]

Easy. even "ex directory" can be found with very little bother

[solarman216]

Originally Posted by makeitfit

Easy. even "ex directory" can be found with very little bother

very glad I don't have a land line, Rick

[jims-terrano]

Originally Posted by solarman216

wonder how they got your home phone number, they could not have got it from your bank, or could they? Rick

No as it turns out it actually was the bank. I have to say though an Indian call centre ringing asking about our details? alarm bells would ring about that really.

Jim

[makeitfit]

Very few banks use UK call centres. That's one of the reasons I use the Co-op bank
Mobile numbers are also available Rick.
It's just a case of which data base it's related to

[solarman216]

yes I have to say as of late I have started getting scam calls, every person that has ever called me that is genuine are in my phone memory, so when I get an unrecognised number my suspicions are raised straight away however it is very often a new customer from recommendation, but sometimes a scam call and sometimes from a government office which usually come as "call" so I answer carefully and establish who it is before giving verbal diarrhea down the line, Rick

[makeitfit]

Any calls coming in as "call", withheld number, international or out of zone call get relegated to the answerphone. As you Rick all known numbers on my phone .
I bought a very useful disk a few tears back for business called UK Info Disk 2009 . All info from phone directory, electrol roll etc can be searched from post code, phone number, part name etc.
Very revealing

[fridgman]

I made it simple. No cards to clone and I never answer the phone unless I know who you are and I've got caller display at home too. And I have a dead number for filling in webforms. If you want me email me.
If you use your card to shop online make sure its through a reputable handler such as paypal. If its in a shop don't hand over your card get them to hand you the machine. Then you know it hasn't been swiped through a second machine for cloning!

[clivvy]

bloody hell Jim mate, thats bad!

you will get your money back though, no worries there. Happened to me years ago, except it was via Sainsburys Petrol Station we think, spent a little bit on top ups in the supermarket but I realised pretty quick and it got sorted, was about £50 ish....

[davenclaire]

i get the odd call from time to time some one saying there my bank and want to confirm who i am by answering some security questions, needless to say i dont answer any of them. i tell them i dont know who you are, were your bank they say prove it i say we cant they say until you answer your security questions, go screw your self i say if your my bank write to me and i hang up.

i never do get a letter from my bank telling me they tried to contact me, strange that

[rustic]

Originally Posted by davenclaire

i get the odd call from time to time some one saying there my bank and want to confirm who i am by answering some security questions, needless to say i dont answer any of them. i tell them i dont know who you are, were your bank they say prove it i say we cant they say until you answer your security questions, go screw your self i say if your my bank write to me and i hang up.

i never do get a letter from my bank telling me they tried to contact me, strange that

Yep get those too, I ask for some security information to prove who they are, and they say under the data protection act they can't.

So I say write to me too.

If you want to prove it is a scam, give them the wrong information, then if they are genuine they will say so.

If they don't say, then you know it's a scam, and you can decide to wind them up or not, but the issue is that since you gave them some information, then you will probably go on a "MUG" list, this list gets sold on to other scammers, as there is more chance of conning you.


As I've said before I keep getting an email from "BT" to say my email will be closed down, unless I reactivate the account by entering my password on their link...... Hmmmm....
Well my email is still working despite my ignoring them.

They probably target a certain age group, so probably from databases that you give your age, eg Car insurance.

For Quotes I never give my DOB to the nearest month.
I can always advise them should I go ahead.

[(RIP) PLANK]

A tip I had from DaveD, it worked for me when i had card problems.

If anyone calls asking for info about your card, tell them you are going to call the number on the back of your card and then hang up and do just that. This way you are in control and can be sure you are talking to the correct department and that they did indeed call you in the first place

[jims-terrano]

Well all sorted out now phew!!!! we had the mortgage payment due out on Monday. Yesterday evening when we reported it to them they would not guarantee the payment for the mortgage would be paid. Went into a branch this morning and had a meeting with a great member of staff. They have now refunded all our money and have told us there will be no problem paying our mortgage. Due to our spending habbits it is almost certain that a payment to Amazon where the security breach occured. We have been advised by the bank always shop online using the credit card and transfer funds on to the card from our main account.
We did complain that the banks procedure of calling from an indian call cnetre about the abnormal use made us think they were a scam. As people of said those were our first thoughts. Anywa the advice is to tell the caller that you will call the bank and to make a note on your account of this and also get their name.

Jim

PS I can sleep tonight now

PPS They had hired 3 cars, ordered 2 airline tickets to the US, the had ordered tickets from Ryan Air and Easyjet. They had been declined at two travel shops and several filling stations. Didn't stop as they were trying again this morning.