talkmagic.co.uk

Just logged onto my bank account, to find 5 unauthorised transactions - all over the space of 2 days.

Someone has managed to get my debit card details and use it online.

Now I keep my card in my wallet and it's on me at all times. When it's not on me - it's in my wall-safe.

I Very rarely use my card - anything I buy in person is paid for with cash.
In the past 12 months I've made 4 purchases (I'm not including the 7 Paypal transactions - I'm assuming Paypal is safe??).

The most recent transaction was in June for my car insurance ..... safe transaction maybe ???

The one before was for my public liability insurance in April - used the same company for several years now so I'm assuming that this is safe.

The one before in Jan was to HM Revenue and customs .... if this ain't safe then there's no hope for anyone lol.

The last one was in October 2009 made to purchase tickets for a gig - but this was 11 months ago ???

My computer is virus free - I regularly scan with AVG, Malawarebytes and TrendMicro - just done every scan today and it's "clean".

What gives ??? If I used my card alot and carelessly, I'd understand, but I can't figure out how the thieving little sh!ts have gotten my details - I just hope I get my money back from the bank - it amounts to nearly £500

Do you use it to withdraw cash from cash machines?

You had better call the cops methinks. I have heard that some wicked people install secret cameras at ATM machines so that may be a possibility too. Or perhaps someone hacked your account on the internet.

I can't remember the last time I used a cash machine to withdraw cash - I'm a window cleaner so I deal primarily in cash ..... I've been racking my brains as to how this could have happened but I'm none the wiser .

Were you not recently spamming a spammer? He may be smarter than he seems.

Happened to me too.

1) Cancel your card asap (the number of the phone line is at the back of your card)

2) Claim the money to be refunded by your bank. In most countries banks are liable for these problems. Contact your bank manager asap.
They will also issue you a new card. I'm 99% sure the law is on your side in the UK. If the bank is looking like they won't refund you, tell them you don't understand the details they tell you and ask them to speak directly with your legal adviser

3) Go to the police and report it. They might ask for your authorization to access your bank transaction details (directly managed with the bank) to try and trace the transactions.

LP.

It's not uncommon these days for card cloners to bide their time .
it might of been cloned months ago, and you were unaware of it till now, when they start slipping in a few small transactions.

I had the same thing a while ago, they started with very small transactions which I didn't spot before they hit me with a nice big £500 bill. I got the money back from the bank but it was a real nightmare.

This is probably what happens to all my money every month. There's no other explanation.

This might sound daft and I'm not undermining intelligence here but you haven't clicked through on an alleged bank email have you?

I got a new credit card a few years ago. Very first time I tried to use it was at a local indian takeaway where the bill of £10.60 allegedly declined 3 times. I left the shop and didn't try to use the card again for about a week. When I next tried to use it for a small amount of money in Morrisons it declined again.

Next day I got a call from the card company telling me I had gone over my limit!! WTF I ranted at that them. Turned out the Indian had skimmed my card and used it to buy car stereo and speakers in London!! Took the need to report it to the police and about 6 weeks but got all the money back.

You MUST report this to the police, only by getting a crime reference number can you be indemnified by the bank.

It's still too easy to get enough info about a card and do the old "customer not present" scam. That's how the f**kers got me about 4 years ago. The only thing you must do is call the bank right now and have the card replaced - making sure that any unauthorised payments for repeat services such as broadband are definitely cancelled, otherwise the bank will blindly carry them over to the new card for "your convenience". ARGH!

The bank will send you a form asking you to detail all the unauthorised transactions against the account, and will ask you to sign a declaration that you're not ripping them off. Presto, the pilfered loot is refunded and if the bank can identify the source of the transactions they'll liaise with Dibble to deliver the appropriate wailing and gnashing of teeth.

If, however, it turns out to be a family member ripping you off, to get the money back you have to report it as a crime before the bank will act, or you'll have to take the hit. As a bank manager I interviewed earlier this year said: "You can't have it both ways".

It is so easy to buy a little device on a key fob, which logs all your card details, and your pin, which are then sold to the highest bidder. You can buy them for less than £10. There are also scams where people install ATM's that look legit, which store your details.

There are also insider scams, where people at an online busines record card details. And outsider scams, where people buy old mobile phones / computers on ebay to recover password and banking details.

Those are some of the obvious scams.

spooneythegoon wrote:Were you not recently spamming a spammer? He may be smarter than he seems.

Trust me - he'd have to be VERY smart - the only info I gave him was my "real" name - Richard Cranium lol .

Jordan C wrote:This might sound daft and I'm not undermining intelligence here but you haven't clicked through on an alleged bank email have you?

- I know about this scam - I once got an email from Paypal telling me to click the link .... blah blah blah - def ain't done this.

tomterm8 wrote:. There are also scams where people install ATM's that look legit, which store your details.

- not really possibe - I can't remember the last time I withdrew cash from an ATM 'cos I'm a window cleaner and I get paid mainly in cash.


I've accepted that I've been scammed - it's just bugging me as to how some f****er got my card details .

maybe the police will be able to find out.

In the end it may be nothing you have done. Unfortunatly they don't really need you. They may have gotten into another data bank. Could have been the insurance company, could have been anywhere. When I worked at the bank I remember a case where the criminals managed to steal a block of card numbers as they were being activated.