mcerd1
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| posted on 19/1/07 at 03:47 PM |
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Switch Card Fraud
I got a phone call form the bank this morrning saying that they were concered that my card details had been stolen 
So I pop down to the branch to find out what this was all about and they tell me that several thousand pounds came off my card last night - empting my
account
so someone out there has bought them self a lot of shiny new toys with my card 
At least the bank were on the ball, they went though it all with me and are sorting it
I'm not a happy man today
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ayoungman
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| posted on 19/1/07 at 03:53 PM |
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they couldn't have done that with my switch card ! I ain't got several grand to spend in the first place.
At least they are reimbursing you the funds, I assume.
"just like that !"
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BenB
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| posted on 19/1/07 at 03:59 PM |
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You have to be careful with switch cards- some banks won't refund unauthorised access. With CCs you have more protection.
One of my old consultants got his Switch cloned and they cleaned him out. Bank said it was his bad luck.... Not good!!!!
That's why (despite using FF, spyware S+D etc) I only ever use a CC via the internet... Anyway, I get air miles on my CC!!!
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graememk
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| posted on 19/1/07 at 04:03 PM |
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i also only ever use my CC on the net
but thats because theres nothing in my account lol
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mcerd1
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| posted on 19/1/07 at 04:07 PM |
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Its an RBS card - and I think I'm getting it all back (apart from anything else we cought it just before they cleared)
but I'll find out on monday - in the mean time they even let me take a resnoble amount of cash out
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Agriv8
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| posted on 19/1/07 at 04:15 PM |
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Just had a call from the SWMBO.
In tears as she has had a call from Barclays Fraud after 'a String of unusual transactions' .
Same story.
Account emtied asked her what she last used the card for. Look like they are on the ball and have cancelled the card and will be sending her a full
statment asking her to mark any transactions that her not hers and these will be reimbersed.
regards
Agriv8
Taller than your average Guy !
Management is like a tree of monkeys. - Those at the top look down and see a tree full of smiling faces. BUT Those at the bottom look up and see a
tree full of a*seholes .............
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iank
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| posted on 19/1/07 at 04:53 PM |
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Could it be this?
http://www.theregister.co.uk/2007/01/19/tjx_hack_alert/
--
Never argue with an idiot. They drag you down to their level, then beat you with experience.
Anonymous
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Coose
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| posted on 19/1/07 at 04:55 PM |
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Feckers!
Is it just me who doesn't understand how anyone could stoop so low as this? Are people not taught what is right or wrong anymore?
You don't need to answer that as I think I know what the comments would be..... 
Spin 'er off Well...
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locogeoff
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| posted on 19/1/07 at 05:17 PM |
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The bank bloody well should reimburse you, because I dont think for one minute that the bank is going to give the funds to the merchant who accepted
the fraudulent card as when chip and pin was introduced along with it the resposibility was shifted from the card issuer to the merchant, and the
merchant wont receive the funds for a number of days and the fraud was detected very quickly so the bank shouldn't have given the money to the
merchant, therefore they shouldn't deduct the money from your account.
probably wrong because that sems far too logical and easy
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jlparsons
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| posted on 19/1/07 at 06:03 PM |
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The regulations and law have changed recently, I'm a banker myself but haven't been in branch banking in a while, though I know the
liability is now pretty much all with the merchant after chip and pin came in.
Get yourself a copy of the banking code, it's a code of practise that all the UK personal banks subscribe to and defines the standards you can
expect and what money you can get back.
They're usually pretty good with this sort of thing, it's very damaging to their reputation if they're not.
Any resemblance to real persons, living or dead is purely coincidental. Some assembly required. Batteries not included. Contents may settle during
shipment. Use only as directed. No other warranty expressed or implied. Do not use while operating a motor vehicle or heavy equipment. Subject to
approval, terms and conditions apply. Apply only to affected area. For recreational use only. All models over 18 years of age. No user-serviceable
parts inside. Subject to change. As seen on TV. One size fits all. May contain nuts. Slippery when wet. For office use only. Edited for television.
Keep cool; process promptly.
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jlparsons
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| posted on 19/1/07 at 06:04 PM |
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Good place to start --> http://www.bankingcode.org.uk/
Any resemblance to real persons, living or dead is purely coincidental. Some assembly required. Batteries not included. Contents may settle during
shipment. Use only as directed. No other warranty expressed or implied. Do not use while operating a motor vehicle or heavy equipment. Subject to
approval, terms and conditions apply. Apply only to affected area. For recreational use only. All models over 18 years of age. No user-serviceable
parts inside. Subject to change. As seen on TV. One size fits all. May contain nuts. Slippery when wet. For office use only. Edited for television.
Keep cool; process promptly.
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Gav
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| posted on 19/1/07 at 09:13 PM |
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quote:
Originally posted by jlparsons though I know the liability is now pretty much all with the merchant after chip and pin came in.
Thats not quite right though is it?
As i understood it the merchant was only liable if they processed transactions where chip and pin was NOT used, ie if they still used mag track or
they were customer not present transactions, ie t'internet.
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iank
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| posted on 19/1/07 at 09:44 PM |
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Yep, but it hasn't been reported that any crooks can manufacture chip cards (yet!). It's been designed to be hard to do on a number of
levels.
I'd guess these transactions are all from dodgy mag stripes, unless it was a theft of numbers in a hack attack and the merchant was stupid
enough to keep the 3 numbers from the strip in the same database.
--
Never argue with an idiot. They drag you down to their level, then beat you with experience.
Anonymous
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SixedUp
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| posted on 19/1/07 at 09:50 PM |
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I've been hit with this too. In my case it was on a credit card, which had been newly issued. I'd only used it for 4 or 5 transactions,
all on the internet.
How had it been cloned? No-one else other than me had physically seen the card. Only options are (a) the issuing bank had a leak, or (b) one of the
the processing agents had a leak.
Needless to say, I was fully reimbursed. However, I'm obviously now on some sort of list, because the card issuer now regularly checks back with
me on all my internet purchasers. Which is keeping them busy, as that's the only thing I use my credit card for ... :-)
Cheers
Richard
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zetec7
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| posted on 19/1/07 at 09:51 PM |
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By the way...even if you have no money in your account, they can still bu@@er you! They just deposit an empty envelope in the machine after hours
(they key it in as a deposit for, say, $500), then withdraw the maximum daily amount. They'll keep doing this until the card is rejected.
Happened to me, happened to my step son a week ago too. Banks made good on it, though, but still a pain, changing card numbers, etc. all over the
place. So if you think your card might be compromised, check your balance, even if you started with no money! You might be minus a whole
bunch...
http://www.freewebs.com/zetec7/
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DarrenW
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| posted on 19/1/07 at 10:46 PM |
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quote:
Originally posted by Coose
Feckers!
Is it just me who doesn't understand how anyone could stoop so low as this? Are people not taught what is right or wrong anymore?
You don't need to answer that as I think I know what the comments would be.....
No its not just you Ian. Its beyond me too. I was paying for some goods at a local farm shop the other day and noticed £20 on a shelf below the
counter - i handed it in. If i found a switch card i may not hand it in unless it was obvious where it was lost but i would certainly shred it. Its
not mine and id hate my details to be stolen. Im no saint but respect how hard some people have to work.
It boils my wee as well.
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mcerd1
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| posted on 20/1/07 at 09:49 AM |
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So far at least the bank say I'll get my money back
but they have to let the money go out of my account first so that it is actually theft - then they can take that to court later (while refunding me
themselfs in the mean time) I assume its up to them and the merchants to sort things out between them at that stage
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Gav
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| posted on 20/1/07 at 10:01 AM |
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quote:
Originally posted by iank
Yep, but it hasn't been reported that any crooks can manufacture chip cards (yet!). It's been designed to be hard to do on a number of
levels.
Yep i know, i used to work programming java apps on JCOP smartcards 
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