Warning credit card cloning

Jan 8, 2014
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Just a quick note for information purposes. We came back from France and jumped on the auto route at Cadex to Calais on the 21st the payage was automated and had no slots for the 3 and half euros so used a credit card. I have been informed by Halifax today that my credit card has been used 16 times and pending another 23 transactions due to cloning at this payage. I have sorted this out with Halifax and all is now ok except my credit card now looks like a jigsaw puzzle.
 
Dec 29, 2007
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Not good :( at least Halifax was on the ball. Have you notified the French Autoroute company about this?
 

GJH

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Just a quick note for information purposes. We came back from France and jumped on the auto route at Cadex to Calais on the 21st the payage was automated and had no slots for the 3 and half euros so used a credit card. I have been informed by Halifax today that my credit card has been used 16 times and pending another 23 transactions due to cloning at this payage. I have sorted this out with Halifax and all is now ok except my credit card now looks like a jigsaw puzzle.
Sorry to hear of your problem but I'm interested to know how Halifax were able to inform you that it was due to cloning at the payage. When my card was scammed earlier this year Halifax refused to tell me the source of the scamming on the grounds that Mastercard and Visa do not provide them with the information.

Any help you can provide, therefore, as to how the information might be obtained would be most interesting.
 

Hymie

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Everything leaves a trail, you were doubtless not the only people caught at this payage, the card companies would be able to track the point of compromise to the payage through commonality.

There is a central clearing house type of setup where POC's are made againstt the operator that owns the particular machine to reclaim the amount(s) lost on each card,they also bear a fine of several hundred pounds for each POC claim, so if you lost £3.50 in 3 separate claims it would cost the machine operator around a thousand pounds.

These are rules set in stone by LINK and must be abided by in order to trade.

Machine owners, ie ATM operators, spend millions each year on security but the weak link is usually the customer.

I have seen machines where the skimming device is as obvious as the nose on your face and yet people still put their cards in them.

Hymie.
 
Nov 6, 2013
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I have seen machines where the skimming device is as obvious as the nose on your face and yet people still put their cards in them.

Hymie.
I'm not sure I would recognise a skimming device if I saw one.
I generally have a look amount the terminal for a camera or similar but that's about all. Fortunately for me I have not had a card cloned. Wouldn't do 'em any good anyway......... I've got no money :rofl:
 

Hymie

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I understand that Baycott, the last time I took a device into a police station a detective I spoke to told me she had her card cloned on that particular machine and then went back to it several days later and had her new card cloned as well. :crying:

One tip, if you are in an area where there are several machines close to each other and only 1 is working beware, the bad guys usually break the machines that are out of service in order to move the traffic to the machine the device is fitted to.

It's known in the trade as "corralling".

Hymie
 

hilldweller

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Any transactions that you might suspect as the source Brian?
I used the card on this unsecured site WiFi to buy a connection. Just used wife's card to buy more so we'll see what happens. Otherwise no idea.
 
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Daz n Tina
Jan 8, 2014
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Sorry to hear of your problem but I'm interested to know how Halifax were able to inform you that it was due to cloning at the payage. When my card was scammed earlier this year Halifax refused to tell me the source of the scamming on the grounds that Mastercard and Visa do not provide them with the information.

Any help you can provide, therefore, as to how the information might be obtained would be most interesting.
I am not sure how they know but I only used my card a few times and the man from Halifax informed me where it happened
 

GJH

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I used the card on this unsecured site WiFi to buy a connection. Just used wife's card to buy more so we'll see what happens. Otherwise no idea.
I am not sure how they know but I only used my card a few times and the man from Halifax informed me where it happened
Thank you both.

My card had only been used for two telephone transactions and three or four on-line transactions but Halifax promised me that they simply didn't have access to any information about which one might have provided the information for the scam.
 

makems

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Just had a phone call today from MBNA to query suspicious transactions. 3 from some gaming sites of £30 to £40 and one of nearly £800 from Cyprus (I've never been to Cyprus)
Good to see CC Co is on the ball.
Downside is we now have to wait a few days for new cards.
Still that'll stop Gwen spending anything for a while. :whistle:
 

hilldweller

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Just had a phone call today from MBNA to query suspicious transactions. 3 from some gaming sites of £30 to £40
Similar pattern on mine they said.

Someone has asked me if I booked the Lincoln show with the CC, the answer is yes. Wasn't there a thread linking shows to CC cloning a while ago ?
 

Scotties

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Me too Mike. Have heard of cards being cloned at shows before, guess cash might be the way with market type dealers. Great meet though :party:
 

Bertie Bassett

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Mrs BB was done in Cite Europ at the ?Credit Agricole? with the caff directly opposite. The system picked up the clone when she used hers in Amsterdam at the same time as an Albanian lady was using it in Bari. Had the replacement cards within 48 hours and all monies refunded in the same time scale. We always physically check ATM's now but there's little that can be done to protect card details once given with the security code either online or on the phone. *Incidentally the Guardia di Finanza/Carabinieri caught the gang involved*. They had clones from hundreds of cards from all over North West France.
 

Hymie

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Most cash machines have a light panel above the keyboard and some NCR machines have a recessed monitor, and this usually where a camera will be hidden.

A quick glance at the light panel should show if there is a hole in it, even a minute one, and the recessed monitor should be a single piece affair, if there is a join near along the top edge section this can indicate a device is fitted, again a quick glance would probably confirm this.

Modern technology and cheap prices mean that the camera used is often a stripped down £15 mobile telephone or a tiny pinhole camera costing a few pounds, but whatever it is it still needs a line of sight to the keyboard.

If you do by chance spot a device you should never remove it, call the number for the ATM owner and ask them to close the ATM, a simple message can be sent instantly to do this, and call thepolice, they will come and remove it.

By touching it you destroy evidence and add your own fingerprints to the mix.

Card reader devices are sometimes harder to detect, and too many variations to go into here but the rule of thumb is always: if it don't see safe then don't use it.

You would not leave your car keys or house keys in the lock knowingly, but most people will not take the slightest bit of care when using a cash machine, even though they may have more cash in their account than the cost of a new car.

Always do a visual check, always crowd yourself in towards the monitor and try not to leave a line of site, ALWAYS cover the hand inputting the PIN number, even if there is a pin guard fitted, and if your card is held in the machine ring your bank immediately and then inform the machine owner, there is usually a free phone number somewhere on the machine.

Their is always another machine nearby, if you are in any doubt about the machine you are at then move away and find another one, but again do the checks at that one also, if in doubt then simply do not use it, there is nothing that urgent you need to put your hard earned cash at risk.

And please don't fall into the trap of believing that a bank ATM is any safer than an independently owned machine, to a bank an ATM is a burden that the bank has to suffer the cost of, but to an independent operator their machines are their only source of income and they do as much, if not more, than the banks to stay ahead of the fraudsters.

Be safe.

Hymie.
 

GJH

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We always take care with ATMs and, where possible, use machines inside bank premises.

What annoys me though - and picking up on the point that we would not leave our car keys or house keys in the lock knowingly - is that the credit card companies do not do all they can to help customers safeguard themselves. I was most surprised to see that Halifax Bank informed Daz n Tina of the source of their problem because they told me that they could not tell me the source of my scamming because Mastercard do not provide them with that sort of information.

I can feel a complaint to the regulator coming on.
 

Bertie Bassett

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Most cash machines have a light panel above the keyboard and some NCR machines have a recessed monitor, and this usually where a camera will be hidden.

A quick glance at the light panel should show if there is a hole in it, even a minute one, and the recessed monitor should be a single piece affair, if there is a join near along the top edge section this can indicate a device is fitted, again a quick glance would probably confirm this.

Modern technology and cheap prices mean that the camera used is often a stripped down £15 mobile telephone or a tiny pinhole camera costing a few pounds, but whatever it is it still needs a line of sight to the keyboard.

If you do by chance spot a device you should never remove it, call the number for the ATM owner and ask them to close the ATM, a simple message can be sent instantly to do this, and call thepolice, they will come and remove it.

By touching it you destroy evidence and add your own fingerprints to the mix.

Card reader devices are sometimes harder to detect, and too many variations to go into here but the rule of thumb is always: if it don't see safe then don't use it.

You would not leave your car keys or house keys in the lock knowingly, but most people will not take the slightest bit of care when using a cash machine, even though they may have more cash in their account than the cost of a new car.

Always do a visual check, always crowd yourself in towards the monitor and try not to leave a line of site, ALWAYS cover the hand inputting the PIN number, even if there is a pin guard fitted, and if your card is held in the machine ring your bank immediately and then inform the machine owner, there is usually a free phone number somewhere on the machine.

Their is always another machine nearby, if you are in any doubt about the machine you are at then move away and find another one, but again do the checks at that one also, if in doubt then simply do not use it, there is nothing that urgent you need to put your hard earned cash at risk.

And please don't fall into the trap of believing that a bank ATM is any safer than an independently owned machine, to a bank an ATM is a burden that the bank has to suffer the cost of, but to an independent operator their machines are their only source of income and they do as much, if not more, than the banks to stay ahead of the fraudsters.

Be safe.

Hymie.

Very sound advice!
 
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