blonde poker forum

Hi, I was a victim of fraud last week when some dude - who, obviously, had my card details - starting splashing out on random things such as pizza, clothes, etc, totalling just under 500 squid. After being refunded by the bank (although, for some reason, I only received around a third for the biggest transaction), I asked them if there was anything I can do to protect myself of big purchases, such as them calling me if someone tried to spend over £1K. They said they couldn't do this, which I didn't understand, so I was wondering if there is anything I can do as a customer (beyond being cautious with my details) to stop people cleaning me out in one foul swoop as it seems very easy these days for someone to extract your details and just use them online as you don't require a password or pin number. Has anyone experienced fraud of this nature; what was your experience?

really looking forward to your next post when you find out about the fines they've charged you for this guy sending you overdrawn

I hear a lot of badmouthing of Barclays but they have been excellent with me in this regard. Gave me an insta refund when someone did something very similar with my bank details and they often call me to enquire when I make big or suspect (ie. gambling) purchases on my card, so what you bank told you is bollocks. 

Anytime I do anything unusual with my card my bank calls me

Lloyds do the same, fully compensated twice when similar thing happened to me.

visa have an online password system of sorts, also for a bank not to have a system to detect possibly fraudulent transactions is redic in this day and age.  Might be worthwhile complaining about this using the key phrase "inadequate systems and controls".

visa's p/w system is laughable though. I've never once remembered mine, it just lets you pick a new one each time

Like what? Buying a drink?

Yep anything unusual, if I buy anything online from a different site than normal I get a call within 5 minutes normally

This, including calling me real time whilst standing trying to buy a laptop in the apple store in new York. It's good but can be tilting too

RBS have a password system when buying things online where they ask for 3 random digits of my password.  I kinda dont understand why every bank wouldnt have something like this?

After I was on the wrong end of fraud my bank (HSBC) did do this. Everytime I tried to use my card online for things like betting on a new site, the payment would be declined and then I'd get a phone call from the ten minutes later checking if it was me attempting the deposit.

Someone got my Barclaycard details and bought a bunch of stuff ranging from mobile phone top up vouchers (makes sense, can be sold on for cash) to about £650 of BA flights.

Their systems detected something dodgy was going on, and they managed to block all the transactions EXCEPT the BA flights.

I did get the money refunded to my card very quickly, and on-the-whole I thought they did a good job of dealing with the situation.

Two things bothered me though:

Firstly, I am very careful with security - firewall, anti-virus, anti-spyware - so how did someone get my details? They told me they'd probably been stolen from some online site that had been hacked. (Not a poker one as I never use credit cards on gambling sites)

Secondly, when I asked why they didn't just have the police turn up at the airport to arrest whoever tried to use the BA flights, they said there was so much of this stuff going on, neither they nor the police had the manpower to deal with every incident!!

My cousin's recently been done by the card fraudsters.

Barclays rang him to ask if he'd been in Malaysia recently trying to withdraw £300.

They hadn't allowed the transaction and obv cancelled his card but won't follow it up.

A few days later he notices a withdrawal from his halifax account for £300 from a cash machine in Malaysia.

He's a very cautious person who is very careful with his details but does buy things online.

The only company he can think of where he has used both of his cards is Stan James bookies. Obviously there's nothing dodgy about Stan James but you never know who within their, or indeed any other, organisation is on the fiddle.

Again despite there being only one company linking the 2 cards there will be no investigation. As Div says 'they just can't be arsed don't have the manpower'.

We had a problem with a couple of garages round here.
They used the cctv in the shop to watch the security number being punched in and the machine had been modified to copy the card details as it was swiped.
They were caught when they were the common factor in dozens of large withdrawals at cash machines

You can open another account like a savings account online with it's own individual account number. Pay all your wealth into the savings account and transfer to your current account as and when you want, or transfer a set amount to your current account to last you a week a month w/e. Transfering from account to account is instant so anytime you like eg emergencies just whip out your phone, transfer and withdraw. This prevents you being cleared out completely.

You might be interested to know what happens the other side of transactions... As a retailer with high street shops for over 15 years whenever we had a stolen card used we had hell with the card companies and often if they went happy no matter how many details and evidence we had including CCTV they would take all the money for the transaction from us...this was particualary true for online so much so we stopped selling online...so don't think the card issuers are wonderful...a lot of the time some other poor sod is paying the bill and they don't give a stuff about catching the bad guys

+100000000000000

Barclays caught somebody using my card and sending it overdrawn but whuilst they were willing to refund me totally but not willing to overturn the costs for "me" going overdrawn which ultimately led to a dispute where I ended up closing my account after refusing to pay the fees and it cost me my good credit history.  Ridiculous.

Similar thing happened to me and my number one suspect was the local Dominos

Barclays regularly stop my card if they think it's a suspect transaction, followed by a phone call from the fraud department where I have to answer questions about random transactions before they will reinstate it.

Worst place that sets them off is DTD online store - i have never yet been able to buy in for anything online at DTD.

The online password (verified by visa and mastercard's equivalent) systems are laughably insecure and designed to shift responsibility from the bank to the consumer.

I would estimate the majority of my online accounts have been compromised in some way...

I have a card reader and specific card for my account - so when i try and get into my online account it asks for an 8 digit number randomly generated from the machine. I can't do anything on line without the machine - a sort of mini Enigma machine.

I'm not sure how its meant to work or does work.  I've put in a wrong password and had my card blocked and put in a wrong password and just set up a new one, so it is a bit hmmmmm.  Don't see how it could shift responsibility though?

Basically they are liable if someone uses your card unless they have gone through the password thingy and then you are liable.

Was the victim about 5 years ago when someone rang HSBC pretending to be me and once convincing the call centre in india changed all my details and started transferring money into another account, thankfully i spotted the money leaving my account within 24 hours and they suspended my account and started re-setting all the details. I asked what other security precautions i could put in place to stop it happening again - they said there wasnt anything apart from lying when entering all of my security details

"so to stop my account becoming victim of fraud you want me to give you fraudulent information?"

"yes"

so now all the answers to their security questions such as "place of birth" and "first school" are made up places only i know answer to - account not been hacked since & 6 weeks later i got all the money back off HSBC.

My bank looked at all the transactions on my account and blamed online betting sites for been the most obvious place where my account details could be obtained - 1 week later HSBC were front page news when it turned out that their Indian call centre sold account details to The Sun for £100........

Have to agree with Gatso on the Visa password being a joke - although i always remember what the password is yet it never works but then after second attempt it just tells me to change it and transaction goes thru :D

Superb!

what you talking about everyone knows its unusual for me to buy a drink with a card

so eck was right

I still haven't been fully refunded for this. You won't believe the hassle. First, they sent me forms that had incorrect details, then they sent me forms with pages missing, and then they transferred part of the fraud to Visa Inquiries, who then sent me more forms. Natwest told me that I'd receive text updates and then Visa Inquiries told me that they'd keep me updated too, neither of which happened.

I seem to have a lot of run-bad for these kind of things. For example, in Vegas, a machine jammed my money in the dispenser and then sucked it back up. It cost me over $100 in hotel phone bills trying to chase it, but neither the ATM company nor Natwest refunded me, and I never got it back. Similarly, Virgin printed me a void ticket for a return journey and then made me buy another ticket on the way back, even though I had the receipt. After shipping a letter to head-office, I finally got that one back.

At the moment, I'm having troubles with John Lewis because I ordered a sofa in mid October that still hasn't been delivered. First they delayed it, then they sent me the wrong one, and just this week they sent me the same wrong sofa. Each time, the delivery man said someone would be in touch, but nobody called; it's always been me doing the chasing.

Does anyone have a link to any good sites and forums that deal with these kind of things as I feel like I'm turning into Victor Meldrew and could do with some back-up plans.

Martins money savings tips has a wicked forum where there is an expert on every company trying to shaft you.

For anything online you should never give the correct answer to the 'security question' when setting it up.  If they ask for your first school teacher, your answer should be your previous house's post code - or something like that so you can remember, but no one can 'discover'.  If they want the name of your pet, then give them an old phone number you remember.  If they want your mum's maiden name - give them the registration number of a car you used to own, etc.  You just need to remember the answers you've given to which questions...

That's the one that sprung to mind for me - and it's worth posting on there for help.

God this stuff tilts me so hard.


I keep getting phone calls from my bank (Barclays), they call from a blocked number then proceed to say 'it's Barclays we just need you to answer a few security questions so we can talk to you'...... they want my security password/date of birth and other basic stuff which could be used to edit stuff online.


So I proceed to put on the phonejacker voice and say to the male who's phoned me:

(http://www.fonejacker.tv/george_2_200x150.jpg)


good morning madam I am calling from your bank, what is your details yo so I can speaks to you.



The guy laughed and was like errmmm yeh sorry this is what we have to do by our procedures, I point out how stupid they were, how many times i'd complained about their stupidity and the lack of effort they are willing to put in to 'prove' who it is that has phoned me. It is such a joke.


When I explained I wouldn't do anything except abuse barclays procedures until he proved who he was he said he could 'tell me the middle digits to my long bank card number" (normally starred out) and one other thing that I wasn't impressed with. It is so ridic. The "data protection act" stops them telling me stuff about my account and stops them telling me who they are etc.  No it doesn't you bastard whores you just use that phrase because that's all you know, you don't know any better omg asdlfkja;sldkfjasdfklasdlfk;j sadf;lkajsdf;



asldkfjasldkfj;aslkdfj; aldfasdl;kfj;asdlkfjasdf

Unfortunately it is a (FSA) complaince requirement to "vet" customers even though it is they who are calling you.

Passwords and the like should never be asked for. Standard for Lloyds is - Name - Address - DOB and for you to give a recent transaction i.e. standing order currently running for Sky/AOL or the like.

If you are ever in doubt always tell them you will call them back and use a trusted number. You will have to go through the vetting again but at least you will know you are talking to the right people. Do not call back on a number given by the "suspicious caller."

Geo

WTF, I even forget the real answers sometimes, fk making them up!

Nah I just stay on the line so long and abuse them for so long that if they don't leave and are apologetic they are barclays rotflmfao

it is just so ridiculous.



I HATE BANKS

:D

It's more fun trying to remember made up answers though.

I cancelled a credit card I'd had for years (and was about 50p in credit on it somehow), and I called up and one of the questions they asked was "what is your memorable word?".  Ermmmm, I just had to say "sorry mate, it wasn't really that memorable for me."

He gave me the first letter, but I still didn't have a clue.  When he gave me the second and third it came back to me, but I managed to get the fourth letter from him as well before I told him I'd remembered.  So it became a spelling test/game of hangman rather than a security process.

Snoops,

I may apply to be your personal adviser soon, banks, netteller etc. you sure are an unlucky dude.

CBA to search for a previous post re this so here goes.

Hopefully after the last time you have noted dates/times names of calls made (also the number you called from they can search by that) these will all be recorded and can be easily "pulled" and listened to by them.

Call them back and tell them you wish to make a formal complaint due to their inefficiency in dealing with this and the additional costs you have incurred. Their first response will be to look to see if this can be resolved within 24 hours, by the sound of this it may not be possible. However none of the banks like to have to register and report complaints it goes badly against them.

If it goes complaint route then they MUST give a response within 5 days, usually a letter confirming they are looking into your complaint and that they will respond further within 14-21 days. Once you receive the reply keep phoning the number they supply every 3-4 days asking for updates.

Make a record of all calls/names of who you speak to and what they say. For example I had to settle a case were we had correctly clawed back commission from an IFA after they had stopped a premium, unfortunately some numpty at the office had told them there would be no clawback. Even though we were correct with the clawback we still had to reimburse him due to incorrect info given.

Therefore if you have been told, incorrectly or otherwise that you will be refunded xxxxx then this can be heard on the recording and they will most likely be held to credit this.

THIS IS IN ADDITION TO YOUR DEALINGS WITH THE FRAUD RECOVERY.

In effect the Customer Relations Department will then be chasing the dept dealing with your fraud recovery and putting them under pressure for an early resolution.

As said before I deal with these things daily. I don't work for HSBC but we all are governed by the same rules.

Hope this helps, if needs be PM me any other details you'd like me to comment on.

No account details or the likes obv - in before the rest of them

Geo

Geo's your man snoops!! 

Edited post to read "resolved within 24 hours."

Geo

Thanks Geo. Great to have a man on the inside!  :)

Out of interest, more than anything else, why are banks concerned with registering complaints beyond the admin work? Who gets to see them apart from that bank?

Also, I haven't really incurred "additional costs", it's just the hassle of it all, and them (1) not refunded me within a month and (2) not bothering to keep me updated on why that is. Does that make a difference to your post?

I must admit that I've been useless with names and dates, but I'll call Visa Inquiries and ask them if they are going to refund me so I have something on record.

Thanks again. I wish I'd sought your advice when the ATM stole my money in Vegas, but when you're racking up three-figure phone bills you have to give yourself a cut-off point before you dig too deep a hole. p.s. you've never worked for John Lewis by any chance, have you?

Snoops, is it the Solihull John Lewis?  That's the worst one I know (the store itself is great, I mean the customer service side of things).

Have you escalated the problem so that someone with more clout is involved?

Surprised about John Lewis.  Definitely worth a formal written complaint, saying you have had to take days off work/loss of income for these failed deliveries.

It's actually Peter Jones, in Sloane Square, London. I don't normally seek compensation, but this has gotten silly now. I'm just not sure on the correct procedure. Approaching five months now, and still no (correct) sofa.

http://www.ombudsman-complaints-data.org.uk/

You get those clothes you wear from Peter Jones?

I don't get anything from Peter Jones at the moment.

Couldn't have given a better answer than this, thanks mate.

in effect anyone can see the data and it is used a lot by various organisations when deciding annual awards, making recomendations for companies etc.

Have always found John Lewis to be good to deal with TBH.

You say no financial loss, what about cost of calls etc?? also be aware of additional charges should this had made you overdrawn.

Geo

I received a letter from my bank today (the 'charge-backs and disputes' department). It said:

I refer to your dispute with Mandmdirect for £255.40, which resulted in a temporary credit being applied to your account whilst investigations were being made on your behalf.

Should you wish to dispute the response from the retailer, please provide us with your written comments so that we can review the dispute. Please quote your account number on your reply and ensure that it is signed. We must receive your response by 13 May 2011, otherwise we will be unable to assist further and your account will be redebited £255.40.

I enclose a prepaid envelope for your use and aplogise for having to contact you again regarding this matter.

There then proceeds several pages of jargon and transaction info and also a letter Barclaycard (I'm with Natwest) to Mandmdirect re. the queries transaction. The letter says that they need to supply a copy of the transaction details and also 1. signed imprinted sales draft, 2. invoice and full completion of the attached form (my details, I think) and 3. documentation needed if a refund has been issued by April 7.

After that, there is page that has the name and address of the guy that robbed me, and also what he purchased (i.e. a receipt). There certainly doesn't seem to be any 'written' response from Mandmdirect.

I have no idea why have been sent this, and no idea what to do and why they are threatening to debit my account again. Any assistance would be hugely appreciated as this happened in January and is really dragging down. I might actually kill someone if they take the money out. Also, there's no prepaid envelope.

You need to reply stating that the invoice doesnt relate to you and nor have you received any goods.
I would also question why MandMdirect are happy to ship to any address other than the cardholder address when ,I assume, you dont have previous transactions with them.
Also request information on which of the CV2 checks they carry out and who their processing merchant is.

if its local go get your ten pence worth dude!

This is the part I find remarkable. He lives 10 minutes away in Euston, so I can't believe they're giving out addresses of the criminals. I'm sure a lot of other people would pay him a visit. I also noticed from the transaction that it wasn't my address on the purchase, which makes me wonder how Natwest can process the payment if the addresses don't match.

Snoopy, obv repudiate the nonsense plus telling them that you are unhappy with their response and want the mattter to be dealt with under their complaint handling process.  This will give you the opportunity to go to the ombudsman if they continue to act like retards.

then surly natwest have committed an offence?
and the crim ten Min's away defiantly deserves a visit

PM on the way Snoops

Geo

Noticed Snoops seems to be offline now, if anyone can pass a message that I have sent him a PM would be appreciated

Geo

Received and responded. Thanks Geo.

Recd. If you can get the email to me before replying to them if poss.

woll be home bout 5:30 and pick it up straight away

geo

Sorry, saw this too late and have responded to Natwest. Thanks for the offer anyway, much appreciated and very nice gesture.

Yep, the comedy just keeps coming...

Just checked my statement and noticed that they've taken £255.40 out of my account... again!

How I'm out of pocket again I have no idea. Absolutely outraged that I'm still being bummed by something that happened six months ago.

Can't do too much because I'm in Vegas, but so frustrating. How can they do this after all the hoops I've jumped through and forms I've signed?

Gonna wait till later and ring up Visa Disputes via Skype and ask wtf. Sigh.

Definitely considering moving now if this is ongoing.