Card fraud

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Marigold
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Re: Card fraud

Post by Marigold » Thu Nov 29, 2018 8:33 am

A couple of years ago, I tried to use my card and it failed, and when I rang up they said it had been cancelled because they'd detected a very small purchase made from America. Apparently some thieves try putting through a small amount, around £1.50, in the hope it won't be noticed, just to test if the card details are working.
It's a bit annoying, having to learn another 16-digit number. Mine is so well used that, after a trouble-free year or so, I don't have to go and get my card out to input the long number online.
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LadyA
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Re: Card fraud

Post by LadyA » Thu Nov 29, 2018 9:47 am

Several years ago now, I went to use my card one day and had it declined. I rang the Bank, and they were "Um, so, do you have your card then?" And I was "What? Of course I have it. I was trying to use it!" and they told me that someone had called a couple of days before and reported my card as stolen, so it had been cancelled! A new one was on the way to me. How weird! I explained that I certainly hadn't reported it stolen, as I'd had it all the time! So, we don't know what happened or how it happened. Whether a Bank Official took a card number down wrong on a report - but they would have had to have the name and security details right too. It was very strange!
Lead me not into temptation. I can find the way myself!
bigyetiman
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Re: Card fraud

Post by bigyetiman » Thu Nov 29, 2018 7:09 pm

Perhaps we should all go back to the barter system. OH has perfected this with her dentist, she was his very first patient once he qualified, 40 years ago and has been with him ever since, and she usually takes him eggs and meat when she goes for a check up and no money changes hands. All came about after a remark he made once about friends in Africa who get paid in goats and yams, and said he always wanted that to happen to him just once !
He is a lovely man by all accounts and spends his hols treating street children in South America and Africa and rounds up old equipment over here to set up mobile clinics abroad.
MrsBiscuit
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Re: Card fraud

Post by MrsBiscuit » Thu Nov 29, 2018 7:14 pm

Having spent most of the afternoon engaged with a fruitless battle with Amazon and another website in another country I am minded to use bartering myself and somehow get out of the whole Christmas thing, even though I am trying to do something nice for small nieces. Grr. Lashings of humbug all round!
Margaid
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Re: Card fraud

Post by Margaid » Thu Nov 29, 2018 8:39 pm

Sorry Marigold, I attributed your aluminium foil idea to Lady A by mistake. You'll see from the typing errors that I'm not firing on all 4 at the moment.

I don't know the mechanism Hen-Gen but they do it when you say you're going to phone your bank, or whoever it is they are pretending to be. You put the receiver down (or in my case, press the red button) then when you left the receiver (or press the green button) you will hear the dial tone. They are still holding the line so the call goes straight to them, but at that point you believe that you are talking to your bank or whatever.

According to this https://www.which.co.uk/consumer-rights ... hone-scams the line stays "open" for up to two minutes after you hang up. So one way around it would be to wait 10 or 15 minutes before ringing your bank, but of course they rely on people getting into a panic and doing it straight away.

They do as much research as they need Tweetypie. There was a case reported recently where a fraudster had rung the victim's bank and actually got one of the second level security questions wrong. The bank flagged it but still carried out the transaction!!!!!!! The victim finally had the moeny refunded by the bank.
Margaid
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Re: Card fraud

Post by Margaid » Thu Nov 29, 2018 8:44 pm

I use cash most of the time Hen-Gen except when I'm shopping on-line. Then I use Paypal if possible as it gives another layer of protection. We no longer have a bank but they did find somewhere else to put the cash machine as the only other one is in the supermarket which closes at 8pm. Of course you can withdraw cash at the Post Office if you're fortunate enough to still have one, as I am :)
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Marigold
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Re: Card fraud

Post by Marigold » Thu Nov 29, 2018 10:04 pm

We used to have a lovely purpose-built Victorian red brick Post office here in Whitchurch, with the sorting office at the back, quite an imposing building. It's now a wine store. There was such an outcry a few years ago when it was proposed to close the post office and move everything to Basingstoke, after the three banks had all closed, that we eventually got a small P.O. counter at the back of our tiny Tesco. Two weeks ago this little Tesco closed for 'refurbishment', along with the Post Office counter, and isn't due to reopen until next week sometime. Unless they're converting it into the Tardis, I don't think it will turn out to be much different in the very small space. Meanwhile everyone, including the small businesses who rely on the Post Office to pay in takings, and people like me with parcels, have had to drive or get the bus to Overton, 5 miles away, where their much larger Co-op has a P.O. counter. There's a cash machine outside the Tesco, often vandalised and not reliable, also now inaccessible as it's in the weeny car park space belonging to Tesco, all fenced off at the moment for the builders vans. There's one in the Co-op, (marginally bigger than the Tesco) but like Margaid's it's not always accessible.
Icemaiden
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Re: Card fraud

Post by Icemaiden » Fri Nov 30, 2018 12:48 am

I had some trouble with Nat West several years ago & had to spend a lot of time on the phone with them, forever being put on hold, then transferred from one call centre to another. After one call a member of staff rang me back. Rather than give my card or account details, I took their name & went all the way to the nearest branch (a 20 mile trip but quicker than getting through on the phone!). They confirmed that no-one of that name worked anywhere for the bank...

Since then I've also had my Nat West credit card cloned & been charged for purchases made for a games console (I don't possess one) using an iPhone (haven't got one of those either!). The retailer was asked to repay the bank but insisted that I had definitely made the purchases...
Chickens are a girl's best friend (though diamonds would be nice too!)
bigyetiman
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Re: Card fraud

Post by bigyetiman » Sat Dec 01, 2018 6:15 pm

Two people I work with have had their car number plates cloned, and in both cases received parking / speeding fines and a fine for not paying the Dartford crossing charge. Luckily they were both in work at the times of the offences and the cars didn't match theirs, but you have all the aggravation of sorting it all out.
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Tweetypie
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Re: Card fraud

Post by Tweetypie » Sun Dec 02, 2018 6:23 pm

Well I never!! Just days after seeing this post and commenting, I had 2 weird text messages .....
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