Fraud

[snoopy1239]

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?

[gatso]

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

[DaveShoelace]

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. 

[Ironside]

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

[Dewi_cool]

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. 

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

[doubleup]

for someone to extract your details and just use them online as you don't require a password or pin number.

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".

[gatso]

for someone to extract your details and just use them online as you don't require a password or pin number.

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

[Eck]

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

Like what? Buying a drink?

[Ironside]

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

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

[outragous76]

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

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

[Boba Fett]

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?

[AndrewT]

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?

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.

[Div]

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!!

[EvilPie]

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'.

[Dino]

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