check your card and bank statements properly

[Deleted account DD]

Got an odd text this morning basically said that "as my card provider for card ending in XXXXXX13672 they had spoted and did I recognise a transaction for £10 to o2nelson made today. If yes, respond with yes, if not respond with no".

At first I ignored it, another "please sign on and give us yer details type" Got thinking, unlikely anyone who would send that other than the card company would want to know that AND have the card number AND mobile number .

The account also hasnt been used for months so I rang MBNA. Have to say they were absolutely spot on. Confirmed the text was from them and passed me to the security section.

Apparently it appears I was the victim of number cruncher. Some low life twat who generates thousands upon thousands of number combos hoping to get a hit on one.

Once they get a hit it seems they make a couple of lower value test purchases. In my case between midnight and twenty past midnight last night they made one purchase to a florida company for £1.78 , then a £10 o2 top up, then another £10 o2 top up. Presumably if MBNA hadnt spotted them the next would have been a few grands worth of xbox and flat screen !!!!!!!!!!!!!!!!!!!!!

Account now closed off, payments blocked and now monitored for those further attempts to try and catch the b******s.

Moral is of course keep an eye on things :thumb2

Talking to the boss at work and he was saying he got a similar message one sunday morning so its not that random.

 

[The Patrolman]

'Apparently it appears I was the victim of number cruncher. Some low life twat who generates thousands upon thousands of number combos hoping to get a hit on one. '


But a very clever LowLife twat non the less!!
Respect:thumb2
But hope he goes down for a very long time, sharing a cell with big bubba

 

[extreme-4x4]

Got an odd text this morning basically said that "as my card provider for card ending in XXXXXX13672 they had spoted and did I recognise a transaction for £10 to o2nelson made today. If yes, respond with yes, if not respond with no".

At first I ignored it, another "please sign on and give us yer details type" Got thinking, unlikely anyone who would send that other than the card company would want to know that AND have the card number AND mobile number .

The account also hasnt been used for months so I rang MBNA. Have to say they were absolutely spot on. Confirmed the text was from them and passed me to the security section.

Apparently it appears I was the victim of number cruncher. Some low life twat who generates thousands upon thousands of number combos hoping to get a hit on one.

Once they get a hit it seems they make a couple of lower value test purchases. In my case between midnight and twenty past midnight last night they made one purchase to a florida company for £1.78 , then a £10 o2 top up, then another £10 o2 top up. Presumably if MBNA hadnt spotted them the next would have been a few grands worth of xbox and flat screen !!!!!!!!!!!!!!!!!!!!!

Account now closed off, payments blocked and now monitored for those further attempts to try and catch the b******s.

Moral is of course keep an eye on things :thumb2

Talking to the boss at work and he was saying he got a similar message one sunday morning so its not that random.

but was the boss as fortunate ?

and

do the credit card companies give you the same shite they give joe public when credit card crime is committed.
i.e you ring them and say you didn't authorise a payment that's been taken off your card , and the debt remains until its proved your a victim of card crime .... obviously you would have a better understanding of how the law works than us ...
so any advise or tips for us on that dave ?

 

[jace]

i was looking forward to a new plasma screen aswell!

 

[(RIP) PLANK]

I never use cards anymore as my wife had her's cloned at a petrol station a few years ago - they spent on it in Malaysia while she was in Cyprus.

but now it appears my cards can be locked in the safe, unused, and i can still get done :doh

 

[lacroupade]

I defy anyone to show they've actually lost out as a result of the majority of types of card fraud. Fact is you ALWAYS get reimbursed by the bank PERIOD.

I even know someone who used their card to draw £10 in a nightclub in a city centre while surrounded by dodgy geezers. She then got diverted into conversation while another scrote nicked the card from the slot, and later lost several hundred pounds in withdrawals, all of which the bank refunded.

Ages ago I booked tickets for the Clothes Show on the official site for my daughters and within ten minutes my card had been used to by £300 worth of frickin baby clothes?! Got the money back immediately.

I won't bore you with the ins and outs of these things; suffice to say in every case there is a good reason why the bank cannot escape responsibility.

 

[lacroupade]

but was the boss as fortunate ?

and

do the credit card companies give you the same shite they give joe public when credit card crime is committed.
i.e you ring them and say you didn't authorise a payment that's been taken off your card , and the debt remains until its proved your a victim of card crime .... obviously you would have a better understanding of how the law works than us ...
so any advise or tips for us on that dave ?

I don't think rozzers are trained in the black art of the Consumer Credit Act Col; thats for bankers....

 

[(RIP) PLANK]

yes, we got our money back too, it took a week or two though, and it was only about £150-odd

 

[lacroupade]

yes, we got our money back too, it took a week or two though, and it was only about £150-odd

and you always will, unless the bank has good reason to suspect youre on a scam. They ALWAYS know exactly when/where/how the money was spent and can tie you and it together if theres a link...if theres none, its the modern equivalent of a forged cheque, i.e. no contest.:thumb2

 

[ClanWolf]

But a very clever LowLife twat non the less!!

Highly unlikely. Some spod with a laptop set up with the necessary software a long way from the boss who makes the money and even further from the hacker who wrote the code.

 

[lacroupade]

Highly unlikely. Some spod with a laptop set up with the necessary software a long way from the boss who makes the money and even further from the hacker who wrote the code.

exactly, no human intervention required, the programme just auto-tries millions of randomly generated card numbers one after the other til it gets a hit.

You notice its O2 topups because of course they don't need security or PIN numbers, but then they do usually want a postcode, but I guess it depends what country the topup was done in....

Same random crap as gets you phone calls from US autodiallers telling you that you've won a holiday in Florida :doh

 

[(RIP) PLANK]

whatever it is, it's still something else to worry about

 

[Deleted account DD]

but was the boss as fortunate ?

yes, his bank spotted a couple of unusual transactions before they went big :thumb2 he was more surprised to get a phone call from the bank first thing on a sunday :lol:lol:lol

do the credit card companies give you the same shite they give joe public when credit card crime is committed.
i.e you ring them and say you didn't authorise a payment that's been taken off your card , and the debt remains until its proved your a victim of card crime .... obviously you would have a better understanding of how the law works than us ...
so any advise or tips for us on that dave ?

as posted later I dont know about hints an tips other than as someone whos been very skint in the past I keep a tight grip ecaue I dont want to be again so I do have an idea whats going on :nenau

Im with you on the horror stories, Ive never experienced it but ive heard a few. Have to say though MBNA were absolutely 100% spot on.

I knew immediatley when he asked me that I hadnt made the transactions and he believed me. Refunds were made there and then and the account closed down including web access/sign on, pin number, phone securitynumber the lot.

Just thinking aobout it there is one very useful thing to remember. When you are speaking to someone on the phone how do you KNOW who they are? if theyd rang me I would have been very suspcious as in they may have been someone fishing. They would have got nowt.

When I got the text I rang them from the number on the back of the credit card. Its freephone so no problem. I knew who Id rang :thumbs