Got my Visa card bill this morning for a spare card I’ve not used for 2 years, it’s an emergency card. How then did the scroates in USA get hold of the number and charge £3900 to it ? It’s never been used in a petrol station or pizza shop, only been used on-line a couple of times when I first got it to activate it and make sure the bills came through OK, then it was tucked away in a draw at home where it’s been for 2 years.
£3900 in the last 2 weeks and another £250 which I didn’t spot in September last year to Lufthansa. Just puzzled as to how they could have got my number . . . :w00t:
had that… they took over 5 grand. Very upset by the banks response… they treated me as if I’d taken the money. Gave me the right run around. Had to spend several hours on the phone to India or where ever it is they have their call centres to idiots that can’t speak English. Really pissed off. They make out like Chip and pin is invincible, when it is a piece of **** to copy. If you used it on line the company you have bought from might save your card details. If they are hacked from outside then they’ve got everything they need. It happened to customers of M&P a while back. Security where card details have recently been updated at our firm. Every time you take a number you have to file it in a locked cupboard or shred it. One guy got the sack cos he was doing customer refunds onto his own credit card :w00t:
Thanks, fortunately I have other accounts with the same Bank and the threat of closing them all got me a full refund within a couple of hours, all RBS accounts. The woman I spoke to did claim that the nature of the fraud had changed due to C&P but the press say the Banks losses to card fraud have increased 25% in the past 12 months . . . so ultimately we will pay more anyway, or get less back in interest.
In fact RBS were very good, they refunded me the complete lot and when Visa give me a refund (a few weeks apparantly) RBS will take their refund back. Apparantly that’s the way it works which is fine by me.
I do wonder what hassle I’d get if my Bank were less helpful, like you Nuts, sounds terrible.
I’ve already given it to Mr Umbago from Zaire who has promised to give me 12% of the US$40 million he is going to smuggle out of the country since his Uncle died in order to avoid paying tax on it
Had the same thing with my visa card, flight tickets from Heathrow + another five hundred quid on phones and phone top ups.
My card had not been used for over 6 months, I was told that the scumbags know the basic numbers of each card issuer they then feed these through a computer programme that tries infinate combinations of numbers until it hits the jackpot, often they charge your account 1p, if that works then away they go empting your account.
I know five friends who have had a similar experience, three had the 1p charge pop up on a statement before being fleeced of money.
The good news is that the card issuers refunded the money in every case, they obviously know more than they are letting on.
I had something similar about a month ago on a credit card I transfered a balance across to ages ago, never ever used it. Got a call from Morgan Stanley about a cheque that was being processed on my account, some scumbag had managed to intercept one of my credit card statements and write one of the cheques that they send every month out to themselves for about £3900 if I remember rightly, I did ask for the guys name and address but funnily enough they wouldn’t give it to me Thumbs up to Morgan Stanley for spotting it before it was processed, asked them to stop sending me paper statements now
Someone at work’s nephew twice removed or some such… had £15K taken out of his account (why anyone would have that much in a current a/c is beyond me but there we go)… seems to be rife at the mo.
Wow, sorry to hear about that, but you should be covered by the fact that you’re not in the State right… oh and you were wonderin how they got your details…
If it’s so great as the card companies would have us believe, why is the UKthe top target zone for world wide scumbags?
Look after yourselves guys.
I keep a card with lousy credit limit for on line buying. Of course, I have to fight a near monthly battle with the credit idiots who want to keep raising it to Porche territory, but it’s worth it.
The gap between being used on-line and then being targeted was about 2 years, far too long for the on-line transaction to be the cause, I’d go with the random number thing, didn’t realise they were doing that. None of this would have worked in the old days when the merchant had the chunk-chunk machine and the receipts that looked like tracing papar
Slarty, it only takes seconds for a credit card number to be stored in somebody’s computer/server - aka scumbags, if it’s done by means of trojans/dns poisoning etc.
and once it is ‘out there’ it’s out there it may take 2 years to be used, but the bottom line is that once it’s circulated around the globe you never know when and who’s going to use it. It’s as simple as that … unfortunately
Quite a common occurance if the relatively few people on this forum get scammed huh?
I too keep a card just for online purchases, and my internet spending is boringly repetitive. So any deviation is easily spotted. Having said that I had a scammer try it on with the small purchase - in this case 99p to prove the card worked, then they went to town at PC World. CC company spotted the unusual pattern and nipped em in the bud. Phew!
Blimey - Australia has had chip ‘n’ pin since the late nineties. God knows how they’ve done this one then - maybe they’re programming chips now? God help us if they are…Although I did see on TV once that the new biometric passport chips are dead easy to fake - you can buy all the kit and software you need online - assuming they don’t copy your card details as you buy it!
Thumbs up to Morgan Stanley for spotting it before it was processed, asked them to stop sending me paper statements now 
