Attention: Please take a moment to consider our terms and conditions before posting.
Debit Card Cloning - Beware!
Chirpy Red
Posts: 7,587
I have always read articles and watched programmes about Card Cloning and Identity Theft with a large degree of scepticism.
I'd scoff that it was all overblown and would never happen to me. Well it has. Since Thursday 4th April till yesterday £1800 has been taken from our current account. I only found out when I was refused a withdrawal at a cashpoint yesterday. The money was taken in cash at various cashpoints in Bangkok over the Easter period - a popular time for such fraud we have since been informed by our bank.
To be fair they have been very helpful. They have taken full responsibility and will refund all monies.
We have not lost any cards at all and it has nothing to do with Internet use apparently. The bank say that the cards are cloned at dodgy shops and invariably petrol stations.
How do they do it? A bit worrying really.
I'd scoff that it was all overblown and would never happen to me. Well it has. Since Thursday 4th April till yesterday £1800 has been taken from our current account. I only found out when I was refused a withdrawal at a cashpoint yesterday. The money was taken in cash at various cashpoints in Bangkok over the Easter period - a popular time for such fraud we have since been informed by our bank.
To be fair they have been very helpful. They have taken full responsibility and will refund all monies.
We have not lost any cards at all and it has nothing to do with Internet use apparently. The bank say that the cards are cloned at dodgy shops and invariably petrol stations.
How do they do it? A bit worrying really.
0
Comments
-
My Credit Card got done a few weeks back, LTSB rang to query the fact that I had spent nearly £4,000 on two transactions on the same day. As you say though Bank refunded my Card staright away when they realised I had never left the country & both transactions were done in Dubai I think.0
-
I have had somebody get access to my ebay account and win loads and loads of stuff for shipment to the US and Nigeria - mainly PS3s and Timberland boots. Doesn't look like they got throught to my paypal account though - fortunately I changed my Paypal password a couple of months ago so it is different to the ebay one. I have also now removed my credit card details from there.
Ebay noticed something was awry because they cancelled loads of bids that my account had made, and froze my account, but I am still getting irate emails about late payments and dispute stuff from ebay etc., hopefully it will all blow over soon!0 -
my card was cloned when i was on holiday in september, 2 payments coming out from france. by the time the 2nd payment showed up, i had already cancelled the card and had to inform them again that another had come out and the questioned me as it didn't add up.
i had to remind them that transactions take a few days to show up when they occur overseas, and although i'd cancelled my card, it obviously had been used before i had a chance to cancel it.
not much harm done though, got the money back within about 3 weeks. the biggest inconvenience is waiting for the bank to send out a replacement card that you have to wait up to 7 days for.0 -
This is actually quite scary, I never really check my statements, so if someone was nicking small amounts I'd never actually notice.
On the 20th of every month anything left in my current account gets shifted to my savings, maybe I should start reading my statements, rather than jsut filing them.0 -
Somebody used my credit card number for on line gambling a while ago. Fortunately the bank stopped the transaction. It has made me much more wary. My mate keeps a credit card with a low credit limit of £500 for internet transactions specifically to minimise his risk. (Needless to say the credit card company keeps increasing his limit and he had to get on to them to reduce it back).
Garages are a well known place for card cloning. It has happened to one of my friends recently here in Norwich and has been tracked down to a Garage. Any business where they take your card out of your sight are suspects for doing this.0 -
Had it done myself 2 days before Xmas on an account I don't really use.
Fortunately I only use the account to transfer money over to when I know Ive got to keep some cash aside for something. I had finished my Xmas shopping so there was on £100 or so left in there and they only got away with €68 from a cash point in Turin. Thank god it wasn't my other account and I had already bought the presents otherwise I would not have been popular!
They also get the details by setting up a mini camera and a scanner on an ATM and then when you put your card in and type in your pin, they have all the details they need. They then take this info and build a brand new card with your details programmed into it and away they go for a jolly old spend up.0 -
Just goes to show, especially if you never borrow on a credit card, that this is where customer service will play a major part.
Oh and as Bing says, beware any establishment that takes your card out of sight.0 -
[cite]Posted By: StanmoreAddick[/cite]Oh and as Bing says, beware any establishment that takes your card out of sight.
surely tho, this wont happen as you put it in the pin machine yourself, then type in the number?? or am i wrong?0 -
[cite]Posted By: MCS[/cite][cite]Posted By: StanmoreAddick[/cite]Oh and as Bing says, beware any establishment that takes your card out of sight.
surely tho, this wont happen as you put it in the pin machine yourself, then type in the number?? or am i wrong?
some scamsters put a fake cover around the outside of an ATM, which while your entering your details, it will record your details.0 -
whatever happened top a golld old punch in the face and stealing things from people.
this country has gone to the dogs!0 -
Sponsored links:
-
The crooks are getting cleverer all the time. The banks really have to do something about it as they are losing loads. My wife was the second one of the day at Nationwide Eltham.0
-
yeah but bart, he was talking about beware of places what take the card away from your eyesight! The atm machine has to take your card from eyesight! or am i gettin all cornfused!0
-
[cite]Posted By: MCS[/cite]yeah but bart, he was talking about beware of places what take the card away from your eyesight! The atm machine has to take your card from eyesight! or am i gettin all cornfused!
Sorry govna, our chip n pin machine is broke, let me go and swipe your card for you on our machine in the back office.0 -
They are introducing aqueous ATMs now - where you can always see your card.0
-
[cite]Posted By: Stu of SE7[/cite][cite]Posted By: MCS[/cite]yeah but bart, he was talking about beware of places what take the card away from your eyesight! The atm machine has to take your card from eyesight! or am i gettin all cornfused!
Sorry govna, our chip n pin machine is broke, let me go and swipe your card for you on our machine in the back office.
people who fall for that old china tho, surely they are asking for it! I am not the quickest of cats, but even i wouldnt fall for that!0 -
Barclays Fraud Department literally just rang up my Mum to say that a transaction in Jakarta has been cancelled. She only uses her Debit card in safe places so she says. Barclays say that it was only because she drew out some money in Sidcup today that Barclays were suspicious. They say they have no idea how it has happend but have cancelled her card with immediate effect.
Just not good enough its happening to often, so often we have a thread about it!
My ma reckons it could have something to do with the TK Max scam thats happend recently.0 -
It doesn't help that banks (and other businesses) are very careless in the way that they dispose of credit card vouchers and personal data generally.
Sorting that out would be a lot more cheaper and just as effective as going to the expense of introducing Identity cards imho.
How often do you get junk mail with your personal details pre filled in on a form for whatever they want to sell you? If people chuck their junk mail out unopened they run a risk of their personal details ending up in the wrong hands.0 -
I had the Co-op ring me up night before last because a transaction had just gone through on my credit card for over £900 at HM Samuel online - glad they are so on the ball.
I don't know how anyone got the details, I have hardly used the card in the last few weeks - and not at all online - and when I have I don't think it has not gone out of my sight. Perhaps they wait a while before using the details.0 -
Have just found out someone has been using my Visa Debit Card to sign up for a monthly subscription to Japanese Porn. Normally I would be really angry, the fact that I did not notice for a couple of months makes it quite funny, hope they have enjoyed the show for the last couple of months because I am about to cut them off !0
-
It was Carter0
-
Sponsored links:
-
[cite]Posted By: Salad[/cite]I have had somebody get access to my ebay account and win loads and loads of stuff for shipment to the US and Nigeria - mainly PS3s and Timberland boots. Doesn't look like they got throught to my paypal account though - fortunately I changed my Paypal password a couple of months ago so it is different to the ebay one. I have also now removed my credit card details from there.
Ebay noticed something was awry because they cancelled loads of bids that my account had made, and froze my account, but I am still getting irate emails about late payments and dispute stuff from ebay etc., hopefully it will all blow over soon!
I had my ebay account hijacked and some joker tried to sell a Honda Gold Wing bike for $6,000 e bay noticed that it wasn't the usual stuff i sold and the fact it was in $$$ and suspended my account.
And my debit card was done a few years ago with transactions in two different countries thousands of miles apart within 10 minutes of each other,thankfully my bank knew i wasn't Dr Who and i got my money back.0 -
My card wa cloned and use in Camden
The person who used it
Paid his car parking fines and car tax on it as well as shopping etc run up £1100
Took the bank no time to find him and deal with it
refunded the money within 2 days
Also our old postman stole my new card before chip and pin
Spent £1800 on clothes in one store in Canary Wharf as well as meals ETC
Mone0 -
i work as a fraud analyst, the figures increase each year and yet punishment remains lenient. even with introduction of chip and pin the fraudsters always find another way. card not present fraud has gone through the roof in the last 2 years.
do yourself a favour and:
never let the retailer take your card out of sight. Most restaurants now have mobile terminals so there should be no need to take the card out of sight.
stop using credit and debit cards at petrol stations - end of!
always check your statements.
Ask your bank to stop sending paper statements. check securely online.
never let the bank fob you off. its not your fault you have been had. they should always pay up.0
