Reply to: Card fraud

[Cliphead]

Honestly do you need to go to those lengths if you're feeling a little lonely? Most likely you got carried away after a few glasses of the bubbly during the weekend...

If I was that pissed I'd have gone straight to the source and cut out the middle man or dating site.

[Euro-commuter]

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....

Burglars should be punished not only for their burglaries but for all the security protection and insurance that their activities make necessary. Car thieves should be penalised by making a contribution to car alarm costs: if they didn't steal cars, I wouldn't have to have an alarm. And as you say, all credit card users are victims, though I'd question whether of the fraudsters or of the banks.

[scooterscot]

The cops think it was a bank employee and are 'following that line of enquiry'. The transactions were mostly online subscriptions, dating sites etc.

Honestly do you need to go to those lengths if you're feeling a little lonely? Most likely you got carried away after a few glasses of the bubbly during the weekend...

[Cliphead]

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.

The cops think it was a bank employee and are 'following that line of enquiry'. The transactions were mostly online subscriptions, dating sites etc.

[Burdock]

[freakydancer]

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

[Numptycorner]

It happened to me in a restaurant in London before chip and pin, when they took your card behind the counter.

A mate had a credit card stolen from his house, the police had some finger prints that matched a known burglar who lived in watford, but he made some crap excuse for them being found 20 miles from his home. A few weeks later a sky subscription was taken out in watford using my mates card. How much help do the police need?

[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.

[scooterscot]

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

[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.

[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".

[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.

[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.

[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?

[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.