Card fraud

[Numptycorner]

Woke up this morning to find someone had used my debit card details to clean out my account leaving just 15p after multiple online purchases. Obviously an inside job as they knew just what to spend and the cops agree.

The bank of course would not like to admit that one of theirs was responsible so refunded the total amount giving me the option of having it in cash. New account, new card on the way, alternative bank account already open. Pretty easy really.

I hope the ****er catches an STD from whomever he / she meets on match.com.

Have you tried contacting the retailers? They will have info of where the goods were delivered, there is usually some information, even if it's just a contact telephone number. I caught someone that used my card by doing this, all I had was the phone number, but I got him.

[EqualOpportunities]

I once had someone use my debit card to pay their Council Tax - they didn't take much tracking down...

[zathras]

Have you tried contacting the retailers? They will have info of where the goods were delivered, there is usually some information, even if it's just a contact telephone number. I caught someone that used my card by doing this, all I had was the phone number, but I got him.

Once had a card cloned and the so and so's when and spent £2000 on it. I found out when the Bank called me. Anyway one of the places they spent money at was Argos.co.uk complete with a delivery address. When I suggested that they follow up that delivery address they were not interested.

[BrilloPad]

Once had a card cloned and the so and so's when and spent £2000 on it. I found out when the Bank called me. Anyway one of the places they spent money at was Argos.co.uk complete with a delivery address. When I suggested that they follow up that delivery address they were not interested.

Did you go to the police?

[Numptycorner]

Once had a card cloned and the so and so's when and spent £2000 on it. I found out when the Bank called me. Anyway one of the places they spent money at was Argos.co.uk complete with a delivery address. When I suggested that they follow up that delivery address they were not interested.

Yes, it's seen as a victimless crime, as they put it to me "Your bank will refund the money, we can't use entrapment to catch someone" however when I provided them with a name and address and proof of guilt they had to follow it up.

[andy]

For the same security reasons I have never applied for internet banking and a debit card for my business bank account.
It will not be nice if you wake up on a fine day and find 100k from your account wiped out.

[ASB]

Yes, it's seen as a victimless crime, as they put it to me "Your bank will refund the money, we can't use entrapment to catch someone" however when I provided them with a name and address and proof of guilt they had to follow it up.

You did better than me then

Recent card compromised, have mobile number the miscreant was using and the address the stuff was to be shipped to. Mobile probably unregistered PAYG but genuine address.

- Not a crime against me because I get the refund
- The card issuer simply does a chargeback against the retailer because the delivery adress was different to the card address. There is apparently an attempted faud here. However the only people who can make a complaint or a report are the card issuers.
- There is in this no fraud against the retailer (in this case they didn't ship) because they are in breach of the conditions of the merchant agreement and it is at their own risk.

The only way either Avon and Somerset (me) or Strathclyde (retailers end) would investigate it is if the card issuer made a complaint. The issuers view seems to be "we won't make a complaint unless we can't make a chargeback - and we always can".

[zathras]

a victimless crime

Funny kind of victimless crime

The CC user has money stolen from them

The Shop has goods removed which will not be paid

The Bank has to reimburse the credit card payer

Any one of these three could be classed as the 'victim', you could of course include everyother credit card user since their fees and interest will be increased to cover this loss.

Credit Card fraud should be treated like burglary. Mind you given that for shop lifting the fixed penalty fine ( £80 ) is less than the average cost of goods stolen (£200) that does not say much.

At the very least the person taking delivery of goods should be charged with accepting stolen goods.

[scooterscot]

It has never happened to me ever......I occasionally get a new mattress from time to time the wod's make emm lumpy.

[Sockpuppet]

I once collared a guy trying to use a "Toys R Us Gold Card" to pay from some phone cards.

Basically a card that had some credit card details cloned onto it. As it had Name, Number, Start and Expiry it looked fairly convincing. Although there was no signature strip (was days before chip and pin).

He didn't like it when I bear hugged him in the co-op.