McMess Posted May 21, 2008 Report Share Posted May 21, 2008 ^^^^ Malcolm - glad to hear you got it all sorted, what a relief! If you're seriously considering the credit awareness scheme, I believe there are a few banks that provide this as standard, although don't quote me on this. I think it was Capital One that I heard was doing it, so it may be worth your while having a look around and seeing if you can find a deal that provides it free of charge. You may have already double checked with Experian that your credit rating hasn't been affected (or they've amended it after getting the money back)? If not it would be worth signing up to the 30-day free trial they offer, to see your full credit report. That way if there are any mistakes you can tackle it at the earliest opportunity. I've heard reports that it can take a while to get anything fixed, but with any luck you'll be fine since the bank has handled it and can provide documentation. Link to comment Share on other sites More sharing options...
Fifi Posted May 21, 2008 Report Share Posted May 21, 2008 The Bank has suggested that I invest in a "Credit Awareness scheme" Costs £6 per month, for that they watch your credit scoring and report to you if there is any unusual activity that might be FraudulentA scam in itself. Capital One rings you up if they suspect fraudulent transactions on your card, to check if you actually made them. We've had quite a few calls, usually when we're away from Shetland and travelling the length and breadth of the country. They flag up transactions which might be day 1 in Cardiff, day 2 in Glasgow, day 3 in Aberdeen, etc. Link to comment Share on other sites More sharing options...
MJ Posted May 21, 2008 Report Share Posted May 21, 2008 Had TSB phone to check because I had a transaction in Shetland, found that quite funny, the fact it was a shetland bank account might have been a clue. Link to comment Share on other sites More sharing options...
McMess Posted May 21, 2008 Report Share Posted May 21, 2008 Here's a link explaining about free identity fraud protection from Capital One and BarclayCard - hope this helps! http://www.moneysavingexpert.com/cards/identity-fraud Link to comment Share on other sites More sharing options...
snow Posted May 21, 2008 Report Share Posted May 21, 2008 I had my Halifax card cloned and lost £14.000.....I was able to prove that i was In hospital undergoing surgery at the exact time a transaction for £9.400 was being made to purchase a car.....My card was in the hospital safe and I had the only access to it After a lot of running around and no help from the Bank manager, one of the branch staff took it on board to investigare and it turned out to be someone who worked for the banks call centre....On three of the transactions there was a number showed up which was I am told the way the person accessed my account to check the balance....I was lucky I got the money back but my Direct Debits were stopped as the Halifax closed the account and in effect put me into a lot of financial trouble ....Never even got an apology ....I had to go to the law to get my credit back on track.... Link to comment Share on other sites More sharing options...
snow Posted May 21, 2008 Report Share Posted May 21, 2008 Just a thought.. I keep a credt card with only a small limit on it and that is the one I use for internet shopping..that way if they do get a hold of it they wont get much ....seems to have worked this far Link to comment Share on other sites More sharing options...
Malcolm Posted May 21, 2008 Author Report Share Posted May 21, 2008 Just for clarification purposes The account was a new account and the card had only been used three times, twice at the bank and once at a Shetland business. It was a few days after I used it to make a purchase that the first fraud was committed, the 2nd and third was three days after the first, the first was to buy cinema tickets at Vue BSL ltd £6.00, the second was BT consumer group just under £800.00 and the third was to O2 pre-pay £30.00, not a great deal but I vex these thieving to****s getting a single penny! Link to comment Share on other sites More sharing options...
Fifi Posted May 21, 2008 Report Share Posted May 21, 2008 Malcolm, something that might interest you. Vue is to do with the cinema chain and it seems small transactions to do with them are cropping up quite a lot. Small transactions are made first to test the card before going for more. http://forums.cpfc.org/showthread.php?threadid=170305 http://forums.moneysavingexpert.com/showthread.html?t=837227&page=2 http://www.sheffieldforum.co.uk/showthread.php?t=331141 Link to comment Share on other sites More sharing options...
McMess Posted May 21, 2008 Report Share Posted May 21, 2008 Hmmm... Very interesting. I wonder if the card details were obtained in Shetland, then sold on or if the fraudster is further down the line?? Link to comment Share on other sites More sharing options...
MuckleJoannie Posted May 22, 2008 Report Share Posted May 22, 2008 From this article in Computer Shopper The criminals generate credit card numbers randomly. "What use is that?" I hear you ask. That's what I asked. The man said they test the numbers using certain 'known websites' that have poor security checks. The criminal chooses a website that allows you to put in the credit card details, usually for an online service rather than physical goods. The site then approves the transaction and asks the user to confirm, and the criminal answers 'No'. You now know that the card number works but, having spent no money, you leave no trace. Apparently about one in a hundred numbers actually gets a positive result. You can then use the known working number to acquire a legitimate service. "But what about the address and CV2 number details?" I asked. "Well," said the man, "there are quite a number of sites that ask you to enter those details but don't actually check them." Link to comment Share on other sites More sharing options...
mogling Posted July 8, 2008 Report Share Posted July 8, 2008 I recently had my Current Account alleviated of £400.Someone had made 2 online purchases with my details. I Never use my debit card online - thats why I have a Credit Card - to use online. I haven't been off the island since Oct 07. The Bank Helpline guy said it's usually used within a few days of 'cloning'... I spotted it within 36 hours and reported it as fraud, and should be getting the money back in my account from the bank shortly, and hopefully the Police will manage to catch the perps through the delivery address for the goods Keep an eye on your accounts folks- I've heard of several cases here recently... Link to comment Share on other sites More sharing options...
Malcolm Posted July 9, 2008 Author Report Share Posted July 9, 2008 Can you remember where you used the card in the 5 days prior to the fraudulent use of it ? Link to comment Share on other sites More sharing options...
trout Posted July 9, 2008 Report Share Posted July 9, 2008 Anything posted here with regards this topic and the last two posts can only be speculation at best! If you wish to continue this line of questioning Malcolm take it offline. The bank in question and the police are the two entities that will resolve this issue - and are in the process of doing so by moglings post. Shetlink is no place for rumours that may damage consumer confidence by subjective reasoning! Link to comment Share on other sites More sharing options...
Malcolm Posted July 9, 2008 Author Report Share Posted July 9, 2008 ^^^^ I missed out the end of my posting which was meant to be... as the police will probably ask you where and when. Nothing else was meant. Link to comment Share on other sites More sharing options...
JustMe Posted July 10, 2008 Report Share Posted July 10, 2008 Not off the island since Oct 2007?...........hinting that your card was cloned in Shetland. Maybe it was but maybe not..........could be a slow cloner at work or someone skimmed your details to sell and the buyer has only just started to use them. One possible answer being that one of the parties involved has been in jail for a while. So it does not have to have happened in Shetland. Of course the fact that people can use cloned cards to make on-line purchases is down to sellers who, far from insisting that they will only deliver to the billing address, are now openly asking if you have an alternative delivery address. Perhaps that needs tightening up. Link to comment Share on other sites More sharing options...
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