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.
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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 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.
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.
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.
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.
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.
this country has gone to the dogs!
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!
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.
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.
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.
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.
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
Mone
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.