Beware - Debit Card Fraud

Discussion in 'Motorhome Chat' started by motorhomer, Jul 4, 2011.

  1. motorhomer

    motorhomer Read Only Funster

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    We were in the latter stages of a 7 week tour of Italy in the motorhome. Late one night we were woken by a text arriving. It was from tne bank (Lloyds) saying my debit card had been used for an overseas transaction.

    In fact the card had been securely stored in a locker in the van, unused, ever since we had left England 5 weeks previously, and was still there.

    I rang the bank, who said all we could do was watch the account. So a couple of days later I manafed to get wifi and checked.

    There were 4 spurious transactions. One for £1, One for £5 (from 7 digital.com) and two for a few pence from rotary international. Not much money the but the point was, I had not done them! I can only assume these were initial small transactions which, if not spotted, would have been followed by a much larger one.

    Rang the bank again, cancelled the card and the bank refunded the money. Fortunately we had other cards with us.

    But I have no idea how or when my card details were stolen. The debit card itself is not used much, mainly in cash machines and the odd internet site who charge for credit cards. And it had not been used at all for over 5 weeks prior to this.

    Beware, and check your statements carefully even if travelling!
     
  2. Theonlysue

    Theonlysue Funster Life Member

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    Hi,

    sometimes the fraudsters put through small amounts, and if these are not notices, they will process larger ones - so folk should really question ANY items they do not recognise.

    S
     
  3. ShiftZZ

    ShiftZZ Funster Life Member

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    The small purchases are to see if the card is still valid and the owner has not blocked it. Its also 'testing' the transactional fraud prevention system.

    ShiftZZ
     
  4. Larrynwin

    Larrynwin Funster

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    Although over here, I had similar transactions on my Lloyds debit card. 23p to Rotary then refunded and £349 for a purchase from Garmin which was nothing to do with mine.
    I got the money back but it is worrying :Eeek:
     
  5. GJH

    GJH Funster Life Member

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    Interesting that both cases involve Lloyds Bank.
     
  6. hilldweller

    hilldweller Funster Life Member

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    I've had a shedload phishing emails from Lloyds, don't know if that's connected.
     
  7. moandick

    moandick Read Only Funster

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    Was it not reported in the newpapers recently that people in certain countries were buying and selling credit/debit card lists and associated data?

    Apparently the details started being mis-appropriated when call centres and databanks were moved overseas for cheaper labour costs. :Angry:

    Bit similar to the National Census being 'keyed-in' by foreign workers who translated to the Victorian "Workhouses", specifically designed for the needy workers and paupers - into the 'House of Employment' :Eeek:

    Dick
     
  8. Reallyretired

    Reallyretired Funster

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    Interesting that both cases involve Rotary, perhaps they're behind it :Rofl1:
     
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  9. haganap

    haganap Funster Life Member

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    We had a donation of £5 given to a New York Charity, then bang bang bang, several large amounts for plane tickets etc. Luckily we had already notified the bank.
     
  10. sedge

    sedge Funster

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    We had over £600 go walkabout from our Lloyd's account whilst we were on hols in France - as it happened I'd had cause to ring the bank from France and they had a record of it, so it was easy to prove we couldn't have been at the Thistle Hotel at Aintree on that same day.

    I have to say we strongly suspected a certain chainstore's staff because some time previously a friend had had the same thing withing a couple of weeks of using her card in the same shop.

    Trouble is once the bank refund your dosh the police stop the investigation since there has been no loss. They get exceedingly frustrated by this. The banks who have actually lost the money don't bother bothering the police so that's the end of that. I spose if it was £100,000 or summat they would; but dunno ......
     
  11. ShiftZZ

    ShiftZZ Funster Life Member

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    UK Banks often have to send Internal Investigation Teams to India along with Geeks who look at hard drives etc... The problems are rife and when they initially went overseas they used "Thin Client", they would send one PC and that would be cloned :)Rofl1:) I think they used Citrix..

    I suspect that its no different if it was brought back home, but, the same problems exist here...
    One bank has a team interviewing staff who have accessed the account of Premier Football players accounts,,,

    Such is the price we pay for outsourcing the work and gettimng rid of local bank managers,,,


    ShiftZZ
     
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  12. ShiftZZ

    ShiftZZ Funster Life Member

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    Not that simple...

    If the Customer lives in Leicestershire and has a RBS bank account and the transaction is made in Merseyside then you have a problem..
    Leicestershire police will not take on the case as the crime was not committed in Leicestershire.
    The question is "where was the crime comnmitted?"
    Leicestershire, Merseyside or Scotland. each police force will not want to take it on as its expensive to investigate and the chances of a conviction are slim...

    A number of years ago they whole thing was in turmoil as the Theft Act did not take into account electronic transfer (Preddy Case) therefor you could not charge an individual where the money was taken electronically..

    We are and will always be two steps behind.

    Lastly, the ones who actualy lose are the merchants as the frauds are charged back...
     
  13. GJH

    GJH Funster Life Member

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    Perhaps this is part of the problem. If the banks were forced to stand the losses which result from systems which have security levels too low to prevent these frauds then they might do more to put them right.

    When working in the data protection and IT security fields I found, all too often, that some companies simply didn't include the need for adequate security in system requirements - with the inevitable result that it was missed from system design.
     
  14. Squire

    Squire Read Only Funster

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    Hmm ... that's what 'theonlysue' posted, too, but frankly I don't see the sense in it. Why test the system first and give a warning shot? Why not go for broke the first time and go for the jackpot? It's an offence either way ....
     
  15. Jaws

    Jaws Funster Life Member

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    Squire, I agree 100% with you but remember, we are not talking about normal people here...

    From knowledge gained from a certain place I can state that this is indeed exactly what the daft sods do !!
     
  16. Reallyretired

    Reallyretired Funster

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    I believe it is because there are extra security checks if its over a certain amount (£50?)
     
  17. ShiftZZ

    ShiftZZ Funster Life Member

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    You cant, there are systems that monitior the transactions of the cardholder, one such system is 'Falcon' by Fair Isaac, this determins what is the normal spending pattern of the cardholder. Anything thta is outside the expected pattern would be flagged and then a caution placed on the account - result - dead card.

    Small purchases on regular basis will tell them that the account is still active. My suspicion is that the purchases will be made via the old paper method, not all countried have electronic terminals or accept PIN Numbers.

    A lot of information that the fraudsters have, has been leaked form the industry. The industry is under constant attack ( Lebanese Loop, Card Swiping, Social Engineering, Trojans........)

    In 1966 when Barclaycard launched in Northampton, the 1st telephone call for authorization was received , autherised and it turned out to be a fraud.

    One weekend a module within a certain software package was switched off, the fraudsters became aware of it and the Bank concerned (in Edinburgh) lost £180k in a weekend...

    ShiftZZ
     
  18. Styx

    Styx Read Only Funster

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    I know of another Lloyds debit card compromised within the last couple of weeks (not mine, fortunately) - coincidentally the cardholder was also away on holiday - it was noticed and sorted out very quickly, but this one was on a business account...
     
  19. pappajohn

    pappajohn Funster Life Member

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    my Abbey debit card was blocked at the first ATM i used in america.....i forgot to inform them i was going abroad :Doh:

    a quick skype call to the uk and all sorted. :thumb:
     
  20. GJH

    GJH Funster Life Member

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    I use my credit card fairly infrequently and with a pretty regular spending pattern (mostly on-line).

    Last July I use the card to buy 2 electric bikes in a field in Cheshire (Northern Show). Just under £1,000 and no query at all.

    Next transaction was an on-line booking of a hotel room in September. £29 and it was blocked by the company without reference to us because they had c*cked up the record of our phone numbers.

    It strikes me that, just like local government receiving inspection Brownie points for having procedures in place (whether they are used/work or not) the systems that monitor cardholder transactions leave much to be desired.
     
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