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My cards been used by scum!!
Dangle_kt - 26/6/08 at 05:03 PM

ARG!

Just had a call from bank authorisation dept. seems my account has had £20 and then £30 put through for Pay as you go mobile credit....

I'm annoyed but impressed with how quick banks spot this sort of stuff these days! The first transaction was yesterday.

My only concern is that although card is now cancelled there may be transactions thats aren't yet authorised.... I'll be checking my balance for the next few days...

JoelP - 26/6/08 at 05:11 PM

surely this is an ideal crime for the police to actually follow up? The credit can be traced to someones phone, if they cant finger someone from that then they are truely incompetent!

I know police cant investigate all crime, however its foolish to only investigate big crime. You cant let crims think they are ok doing small crime that police wont bother about, one way to avoid this is to pick random minor crimes and investigate it with as much effort as you put into serious crimes, to ensure that crims can never commit a crime with no risk of being caught.

Mr Whippy - 26/6/08 at 05:12 PM

damn stopped so soon...nearly got those new tyres

[Edited on 26/6/08 by Mr Whippy]

iank - 26/6/08 at 05:12 PM

If it's a visa card then you'll get the money back anyway.

Anything that they now try to authorise on the cancelled card should just bounce.

iank - 26/6/08 at 05:15 PM

quote:
Originally posted by JoelP
surely this is an ideal crime for the police to actually follow up? The credit can be traced to someones phone, if they cant finger someone from that then they are truely incompetent!

...


Probably a drug dealer with PAYG bought for cash with a false address. Very hard to trace.

Tim 45 - 26/6/08 at 05:19 PM

Not meaning to be cynical but how do you know it was the bank and not fraudsters getting your details?

[Edited on 26/6/08 by Tim 45]

mistergrumpy - 26/6/08 at 05:21 PM

As above. PAYG unregistered means thats where it stops. There's no further lines of investigation. You can ring the phone but its usually not answered to unknown numbers.

JoelP - 26/6/08 at 05:23 PM

quote:
Originally posted by mistergrumpy
As above. PAYG unregistered means thats where it stops. There's no further lines of investigation. You can ring the phone but its usually not answered to unknown numbers.


you're telling me if special branch though a terrorist had used it they wouldnt get a full lists of numbers called when, where from, all texts etc? And probably all movements when it was getting a signal? As well as current location?

Thats what i mean. Pick a crime at random and solve it. Then bill the fooker for the cost of investigating ti.

24vseven - 26/6/08 at 05:34 PM

i had my cards stolen a few months ago only found out when the bank called me in the morning asking if i had tryed to buy a £500+ item at tescos at 1am ...err no lol
geuss what no cctv at tescos either
called police no joy for them then found out that the scum had fille ther car up at tescos pay at pump great me and the copper thought

petrol station means cctv and a car ... reg number...easiy call to dvla trace the car sorted.

no cctv again

lots of use there

one word of caution when i called my bank again they told me there are two levels of canceled card one as lost one as stolen so make sure they have it as stolen as apperentl it alerts the shop its a stolen card apprently

i have to give the bank a big tick tho they refundede the amount straight away and then took it up with tescos

eznfrank - 26/6/08 at 06:19 PM

quote:
Originally posted by Tim 45
Not meaning to be cynical but how do you know it was the bank and not fraudsters getting your details?

[Edited on 26/6/08 by Tim 45]


As an accredited counter fraud specialist I'd second this comment. If you aint done so already ring your bank back now and make sure it was them. Don't be satisfied checking your online account as fraudsters can simply say we're checking into these XX payments and then when they have the info they will stick the payments through usually buying them time to go for the bigger stuff!.

In terms of getting information re the mobile which was topped up it's likely this was a tester payment and put onto a mobile which will never be used, or in some cases for calling sex lines. They do this to make sure the card is live before going for gold.

[Edited on 26/6/08 by eznfrank]

richardh - 26/6/08 at 06:50 PM

i got my credit card done for £495 then some months later my debit card for £1800.00
i managed to trace place money spent on and they cancelled order, police typically didnt want to know - tossers
place even gave me the delivery address that i passed on too.
never heard any more about it.
and i pay my tax for...................
oddly i work for government and used to be a plod too...........................
so much for labour and the crime reduction initiatives

beppesignori - 26/6/08 at 08:31 PM

I came back from Antigua a couple of months back, only to get a phonecall from Mastercard asking if I had been getting money out of a cash machine in Russia..obviously not. A week later, same thing with my Maestrocard. Told my Girlfriend and my two friends to check their card, and sure enough, they had been taking money out in Nigeria...

Obviously a rigged machine, since they had both cards and pincodes..Scum

Got all my money back (around 500£) though..

Dangle_kt - 27/6/08 at 08:56 AM

Just to clarify, the words, "you could be anyone" were in the 2nd sentance out of my mouth, when I called the authorisation department.

However - The details she asked for were, card number, age next birthday and confirming one transaction from Feb, so there is no wa a fraudster could have used any of that to get anything.

She then went on to list all my current transactions, two of which weren't made by me - so I am confident she was who she said she was. I was very careful with what I said, as it was the first thing that occured to me too.

THe fact is, that a large national bank did a cracking job of protecting my cash, so well done to them and I hope the mobile phone scammer ends up with a nasty ear infection or a large tumor from phone radiation!