Credit card fraud

[marcusfordus]

Does anyone have any experience of a card number of your own, being used by others for mail order stuff.
Got the letter from the bank asking about odd transactions yesterday .

Who pays for all the non authorised transactions, because no pin number was used ????

 

[Jaws]

If you have insurance then not a problem, other wise it could take ages to sort out..

What you must work out is how the bastards got your number !

make a list of all card transactions ( including using the card in any holes in the wall, as they are the most commonly blagged nowadays )

Have you eaten out recenetly ? Did the waiter take your card to the machine or did you stand and watch him use it ?

Have you bought something on the telephone and given your credit card details ?

A couple of worthwhile tips

Always check cash machines for devices tapped over the holes

Never allow a credit card out of your site in shops or eaterys

Never pay for anything on line unless you see the little lock appear on the right hand side of the bottom bar.

Be VERY wary about giving your credit card details to anyone on the phone ( My bank has now banned all their commercial customers from taking credit card payment by phone.. !! )

On the bright side, it is now safer to buy on line from a secure site than it is to use your card in a shop !

 

[scruffygit]

Not mail order fraud but my company American Excuse card has been used about 8 times in the US for car hire from airports since begining of May. Pretty good going considering I have never actually authorized it (the card) so it should still be inactive and for 13 weeks of that period I was in Iraq.

Fortunately the 'company' has been dealing with it but I shall never deal with AmEx again - bunch of incompetant feckwits :wank:

All the bills have been challenged but because there was three transactions on one bill, Amex are now saying that we only challenged the first entry so the other two must be legit, even though they were all taken out by the same person :bang: :bang: So I am supposed to be paying late payment charges as well. Umm don't think so.

Also Amex say they cannot trace the "alleged" (their words) other user of my card. Well try looking at the car hire form that you sent me that has his UK driving licence details on it, including his name and address in Swindon

Oi! Chuff! Still got any mates at Lyneham?

Know what I mean

 

[marcusfordus]

My card

has only been used twice over the last two months, once on the phone to pay the bike insurance, with the same broker I used the year before, and then two days before the first dodgy transaction popped up on a so called secure site ( Screwfix ).
A ?16.50 trial run netted something at stagecoach in Stockport, followed by the first of three big ones from a computer firm in Sheffield, over last weekend whilst I was in Norfolk.

If companies only require the card number and expiry date for over the phone orders that can't be hard can it ?

I could apply for a credit card from a bank, give details over the phone but change the last two numbers, then have a one in twelve chance of guessing the expiry month, right ???

 

[Fat Bert]

Nope!!

To be an approved CNP authorised dealer [Cardholder Not Present] like me...there are ways of checking for fraudulent card use

Not telling any more - otherwise I'd have to kill you all....










seems like a good idea!

JAWS point about the padlock is OK but to be absolutely sure - check where your browser is pointing - i.e look at the browser bar at the top....?

On normal websites [like this] ..the address will start http://www.....

On properly secure [fully encrypted] sites it should change to https://www. [addition of the letter s after the http bit]

If it's https - it's secure.....if it's missing don't put in ANY personal details

Some online "traders" will ask you to enter a card number before it takes you to a https site - thats a sure way of getting ripped off

The two most secure sites [and some will argue] are :-

WorldPay
and
.
.
.
.
.
.
.
PAYPAL !!

As added advise ALWAYS pay using a credit card [Visa and MasterCard both offer 180 days fraud protection free of charge]

NEVER pay by your bank Switch/Maestro/Debit card - those details over the phone can empty your bank balance quicker than you can call your bank!

If you don't "like" using credit cards...easy.....pay by Credit card then transfer the money from your bank account into your Credit Card account to avoid any risk of interest

Hope that helps?

Added.....

If you have an ebay account AND a PayPal account make sure that you use different passwords -simple but effective

and

NEVER EVER EVER EVER...reply to ANY email asking you to re-enter your user details

I'm told that my ebay account has been suspended...........about 10 times a day!!

Go figure?

 

[Fat Bert]

JAWS

.......banned all their commercial customers from taking credit card payment by phone.. !! )
...

Unless they are pre-approved CNP dealers with a minimum of 5 years trading record - just to be accurate!

 

[Jaws]

Spot on Bert.. sorry mate, shoulda put that bit in.. I shall take my beating like a man ( then go whimper in the corner for 20 minutes )

 

[trophychap]

Just get on to the Credit Card Co pdq because Egg for instance take less than 24 hrs to give you the money back! (impressive or what) Many years ago, Barclaycard took about 48 hrs to refund something I hadn't spent.

Scary but true my bank DEBIT card, whilst I was on my holidays in France, was used in the UK on the internet to book 2 flights from Manchester to Amsterdam (not used) and a stay in a hotel in Liverpool for 4 people, which was used. What address had the perpetrator given at the hotel? OUR address!!!

Bank took about 10-15 days to get the money back into our account.

Police keep telling me that the card must have been nicked following internet transactions; the only time it has been so used in the last 12 months was January 05 when we bought a bit of computer kit, which they then said they hadn't got, so we cancelled the transaction and received a refund. That Co was oop North so I suppose it is possible, though seems a bit unlikely after all that time - or perhaps that's what they rely on? Anyway, apparently the name of one of the geezers was well-known to the hotel website as a credit card scammer - don't know why they can't just block him????

I am fairly philosophical about the card being used; these things happen and you do get your money back - however it really scares me that they know my address too.

Jenny

 

[Fat Bert]

Best Example~~~

Friend of mine is the Director of IT for Barclays Bank [see I do have one!!]

His Barclaycard has been used/scammed a few times............















by PC World in Manchester!

and Barclaycard can't trace the perpatrator [sp?]

 

[dhekalia]

Funny this yesterday i was checking my Egg statement and found that while I was in essex I spent ?186.00 in Miami both Anji and I have our cards so it's not been stolen, so no idea how these people got the number Egg have it in hand and I'm waiting to hear.

Dhek'