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Just found out that my bank card has been cloned!
Yesterday, someone in Jakarta tried to take out £6 something with an incorrect pin, then they did a successfuly withdrawal for £6.10 so immediately tried another for £75.09 which was blocked.
Luckily my Mrs is on the ball and noticed this on the statement.
Card has been stopped, new one on the way but I feel used!
And what a great time of year to have no bank card….
Unsure where it has happened but have a couple of places to go check out at lunch time.
Be careful out there people.
Bah! That sucks 🙁
It’s one of those things that I always think “it won’t happen to me” – until of course one day it does.
Good to see the bank blocked the larger transaction, I think they are getting much better at picking up on suspect transactions before they are happen. I remember a colleague getting a phone call at his desk asking if he had just bought a £400 TV in some far off place!
I had a rogue transaction on my credit card a few weeks back, spotted it straight away and got the card stopped, waiting for the CC company to sort it out to remove it from my statement.
Mine was for £30 for an O2 top up on a mobile, I am pretty sure I know which company I used (internet transaction) where the details were taken from but the banks, police etc have no interest in following it up as it if they ignore it it does not appear on their statistics.
This has happened twice for me in 10 years, it is one of my reasons for using credit cards as much as poss, I have to wait 5-6 weeks to get the dispute settled but pay nothing out as the debt is against the credit card company until they resolve it, had it been a debit card the money would have gone direct from me and I would be fighting to get it back, as it stands I have not paid out a penny and it is up to the CC company to recover the debt or prove it was myself with a genuine transaction.
I have noticed that I am incresingly triggering the automatic alarms these days when travelling, I got a call this week after using one of my cards in Germany and France on the same day as that was my flight routing to get to the place I needed to in France, in some ways it is comforting to know it is being triggered but I get 99.9% false alarms which then involve expensive calls from overseas to the UK on my mobile to get it resolved, it is a waste of time to tell them in advance of my travel arrangements like they advise as it makes no difference at all to the automatic flagging.
I had the same thing a few months ago and like fatnbald was for mobile phone topup. Lloyds fraud team where brilliant, money was refunded within a week. they also told me that mobile phone topups are the #1 transaction fraudster use.
This happened to my wife. Credit card company was great but next thing we knew the same phone company that we informed of the fraudulent top-ups allowed the git to use the information as proof of ID for a full pay monthly account. It only took us 7 months and a threat of legal action to get them to stop sending us threatening letters.
They even tried to claim it was partly our fault because I hadn’t returned the security forms – fortunately I had, and I had a copy of the fax and receipt confirmation.
Not sure it’s possible to do much about this, but I try to use one credit card with a fairly low limit for all my internet/phone purchases, and I’m not keen on passing on my debit card details at all.
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