Bank Card Fraud - Like this?

[realityhack]

Or the thieves could have used an unoccupied address for the delivery. All too easy.

[PAH]

I think he means that even our police should be able to see who accepted the goods by checking the delivery address - unless the thief is buying goods for random people.

Wouldn't suprise me if the fuzz need to apply for a court order to obtain the details off Tesco, due to data protection laws, and are then more likely to not bother chasing it up. Instead they'll just tell you to claim it back off the card company.

[r0bly0ns]

Wouldn't suprise me if the fuzz need to apply for a court order to obtain the details off Tesco, due to data protection laws, and are then more likely to not bother chasing it up. Instead they'll just tell you to claim it back off the card company.

Since the advent of Chip & Pin, the card companies are no longer obliged to pay it back, the onus is now on the retailer to prevent fraud and pay it back.

This is why the card companies pushed so hard for chip and pin and retailers resisted it......

[rhubarb]

I don't think the companies really care anyway.

I had a card that I hadn't used for at least 6 months, then used it at the petrol station next door to work. The next month there were a load of transactions for petrol I hadn't bought in places I had never been to.
So it was pretty obvious where the cloning had happened, so I pointed this out to them - they really didn't seem to give a monkeys.

Was rather annoying at the time.

Rhubarb.

[SueEllen]

I don't think the companies really care anyway.

.

The banks just claim it off the retailer.

They then don't report the figures so they can claim chip and pin is safe.

And when some boffins from Cambridge show clearly how it isn't safe and offer to give them the information they ignore it until it gets on Watchdog.

[Peoplesoft bloke]

I don't think the companies really care anyway.



Rhubarb.

Correct (IMHO)

I had a similar experience after ordering some stuff online from a car restoration company - they used a "secure" site to process the transaction (can't remember the name but one I'd used before). Next day, card co phoned to ask if I was really buying stuff at dixons in Hull and cinema tickets somewhere down south at the same time. I said no - they sent me a form to sign to say the transactions weren't mine.

Neither the card provider or the retailer then wanted to know anything else.

IIRC Plod don't even investigate this any more due to a change in the law - in my case they weren't interested as I hadn't suffered any loss.

No-one wants to know, and the card cos and banks don't want us talking about how easy and widespread it is.

[PAH]

This is why the card companies pushed so hard for chip and pin and retailers resisted it......

Not much use for internet or other card holder not present transactions though is it.

[PAH]

No-one wants to know, and the card cos and banks don't want us talking about how easy and widespread it is.

Ok, better not talk about it anymore. End of thread.

[Peoplesoft bloke]

Ok, better not talk about it anymore. End of thread.

Tee hee - I meant (IMHO) of course, they are scared tulipless that confidence will break down and their revenue stream will dry up. Not scared enough to do anything that might involve spending a bit of cash, though

[r0bly0ns]

Not much use for internet or other card holder not present transactions though is it.

Nope.

I've had this done to me twice, once with a chip and pin card and once some years ago.


Both times the card details were nicked by petrol stations (I know as they were both new cards that had never been used before), and both times they were used to by things through cardholder not present transactions.

I'm still a bit puzzled as to how the petrol station got the details of my chip & pin card though .......


Once the forms have been signed giving the bank / card company permission to investigate, you get your money back and legaly the fraud no longer has anything to do with you so you never hear anything else about it.