Fraudulent Transaction with Debit Card

[Zigenare]

So the fraud squad will be waiting for them to check in at the airport?

No, they won't, 'cos it never happened.

[Big Blue Plymouth]

So the fraud squad will be waiting for them to check in at the airport?

Well, I rang Ryan Air, they found the transaction from my card number and have confirmed it's linked to a booking. They've passed it to their fraud dept & I'm waiting for an update. As far as the bank is concerned, they can't do anything until the transaction has completed. It's been showing as pending on my account for 48 hours so in limbo really at the moment

[Whorty]

Anyone had this happen to them?

Just happened to me. Wont say how much but given that the card payment was to Ryan Air, the fraudster must have a very big family.

Have had quite a bit of wedge in there this week to fund exchange of contracts on a house so timing couldn't be worse. Normally I only have enough to last me the month for this very reason.

Given that I only use secure sites, I can't work out how someone have got my card details. Is reading out your card details over the phone to the local oil merchants, or whatever, really secure? We all do it but how can we trust the person on the other end of the phone to be reputable?

Had it a few years ago. Worked out it was a petrol station in Essex, one where (back in the day), cards were swipped with the carbon paper. Clearly someone dodgy kept a copy of the carbon paper and they used this to get my card cloned. This was ages ago, like I say, before payments needed a pin number or (online) the CVS number.

Upshot was the bank refunded everything, and quite smartly. I just had to prove that when the card was used fraudulently that I was not present. You should be able to do the same - bank fraud departments are reasonable people.

[jds 1981]

About a year ago couldn't use my card, phoned the back and went through a long list of transactions "for you try to use your card at website a to buy b?" Seems they caught all but one transaction (online gift vouchers if I recall correctly) which they promptly refunded.

Also had letters from world pay to my company asking me to confirm I was setting up some accounts. Seems some fraudster had used my company name to open an account with them and was charging random people money.

[Big Blue Plymouth]

Had it a few years ago. Worked out it was a petrol station in Essex, one where (back in the day), cards were swipped with the carbon paper. Clearly someone dodgy kept a copy of the carbon paper and they used this to get my card cloned. This was ages ago, like I say, before payments needed a pin number or (online) the CVS number.

Upshot was the bank refunded everything, and quite smartly. I just had to prove that when the card was used fraudulently that I was not present. You should be able to do the same - bank fraud departments are reasonable people.

Yes, had that happen to me when they swiped my card in a restaurant in Saudi Arabia years ago

Months later, when I noticed approx £50 had being charged to my account each month from that restaurant I got on the phone and got back my money . Gave the girl on the other end of the phone a laugh though when she asked for the name of the company. Big Boy Restaurants:

[GhostofTarbera]

From September 13th or before all transactions (PSD2 regs) will be 2FA so if joker has your credit card and try’s to make a payment the bank will send you a app/sms/telcon/sign+ etc to authorize the amount, (on your trusted device) who you are paying and a auth code - will end all this overnight


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[DimPrawn]

From September 13th or before all transactions (PSD2 regs) will be 2FA so if joker has your credit card and try’s to make a payment the bank will send you a app/sms/telcon/sign+ etc to authorize the amount, (on your trusted device) who you are paying and a auth code - will end all this overnight


Sent from my iPhone using Contractor UK Forum

This is great when you phone battery is dead, you lost/haven't got the charger and you are trying to buy one as an emergency measure...

[darmstadt]

From September 13th or before all transactions (PSD2 regs) will be 2FA so if joker has your credit card and try’s to make a payment the bank will send you a app/sms/telcon/sign+ etc to authorize the amount, (on your trusted device) who you are paying and a auth code - will end all this overnight


Sent from my iPhone using Contractor UK Forum

That's me ****ed then...



Sent from my Living Room via Second Class Post using Contractor UK Forum Pen and Paper App

[Mordac]

From September 13th or before all transactions (PSD2 regs) will be 2FA so if joker has your credit card and try’s to make a payment the bank will send you a app/sms/telcon/sign+ etc to authorize the amount, (on your trusted device) who you are paying and a auth code - will end all this overnight


Sent from my iPhone using Contractor UK Forum

The queues in supermarkets will be out of the door with people who either don't have a phone, or have forgotten to bring it with them. I'm guessing this is an EU Directive, right?

[NotAllThere]

This is great when you phone battery is dead, you lost/haven't got the charger and you are trying to buy one as an emergency measure...

Or, as happened to me in Australia last year, your phone suddenly decides to get the battery equivalent of dysentery and completely discharges. Fortunately, I could commandeer my wife's phone and stick my SIM in it (Phnaa, phnaa).

It was a bit odd, since one of our party also had a Sony (different model from mine) where the exact thing happened at the same time. We never got an explanation.