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Re: Has anyone had their card cloned?

Quote:

Originally Posted by gazman (Post 1321053)

Thanks for all the replies so far guys & girls,

It’s nice to read these encouraging posts. My sis was in tears, first of loosing £200 quid & then made to feel like a lying fraudster. She’s only a student & studying to be an accountant, so £200 is a lot of money to her & she’s worried it could have implications on her chosen career.

Now there’s an update: she popped in to the local branch & while she was there she phoned up the office to get it sorted, they’ve now admitted that the card use in Ghana WAS NOT a chip & pin type even though the letter clearly states it was & implies that my sis was committing fraud? They said they are now going to reinvestigate & she should hear from them in a week’s time, but my sis is still £200 down at the moment & has to deal with all the hassle & worry for even longer. I’ve told her to make a complaint about the lady who has wrote/signed her name against the slanderous letter that’s full of lies.

Banks are ****ing me off at the moment they have to be some of the most greedy money grabbing companies out there, in the last 2 months I’ve had three £25 banks charges automatically taken out of my account, when I rang up each time they admitted that an error had been made but I still had to wait til the end of the month before any dosh would be refunded.

They are quick to grab peoples money at the slightest opportunity but it’s completely the other way round when the make a **** up with your money. They’re quite happy to slap a bank charge on us but I wonder what they would say if anyone turned around & said they was gonna charge the bank for a **** up they’ve made?

Thanks again.

Gaz

You with NatWest??

They took a cancelled standing order out of my account. Local branch said nothing they can do, phone customer services who took 4 days to get it back to me. Then the next month some lovely little slag at the Plymouth City Centre branch decided to take the manually take the money out of my account and put it in their holding account. This time Cust services couldn't do jack and it took me much too-ing and fro-ing and over a month, I got an apology from customer services and a bottle of wine, however all I really wanted was an apology from the stupid b1tch who caused me all the grief.

Got my revenge in the end, I've barred her from my pub (the biggest wetherspoons in Plymouth and one of the most popular meeting places before going onto clubs) and I know ALOT of her friends meet here regularly, that's gotta f*ck her off!

Re: Has anyone had their card cloned?

On a bit of a tangent but..
I'm assuming from reading the links mentioned here that it is not possible to clone the chip, but as we all know it is possible to clone the magnetic strip - I'm assuming this is how card cloning, with discovery of your PIN, is still going on.
Now every transaction I make is with a chip and pin machine, not the magnetic strip. The only one I dont know about, and the most important, is the ATM's.
Does anyone know if the ATM's read the chip? If so, I will happily erase the mag strips from my cards.

Re: Has anyone had their card cloned?

Quote:

Originally Posted by tigersaw (Post 1321355)

I would have thought that this would have contravened the banks T&C that they place on the use of their cards ... ergo, if you erase the magnetic strip, the card-reader COULD detect that the card has been tampered with and could cancel it, or withhold it ... do you really want the hassle?

IMO ;-)

Pete

Re: Has anyone had their card cloned?

Abbey are the biggest load of pooo ever, just waiting to get my money back then I'am off (takes upto 2/4 weeks to get your money back after a fraud)
All payments they made were over the phone and internet. And don't forget they don't need you PIN for that just the code on the back so if some tit at the place you pay wants too he can use your card!!!!

P.s they did this on both my accounts so I had to use my credit cards otherwise I would have not had any money

Re: Has anyone had their card cloned?

Apprantly, i was in Las Vegas and Tesco, Cheapside, EC4 at the same time when i had my card cloned!

There are some stories about using your debit/credit cards in Shell and now BP garages, and them being cloned in there. Apprently its the tamil tigers, and them forcing the employees to clone the cards, if they dont, thier family are hurt or killed. Its quite scary.

Re: Has anyone had their card cloned?

Quote:

Originally Posted by tigersaw (Post 1321355)

I'm assuming from reading the links mentioned here that it is not possible to clone the chip, but as we all know it is possible to clone the magnetic strip - I'm assuming this is how card cloning, with discovery of your PIN, is still going on.

I need to make it very clear here. It is possible to clone the chip.

At the end of the day there is a device that reads the card and validates the input. While it is encrypted there is no encryption that is perfect and given enough time or someone with the key encryption will be broken. It is then a simple task of loading the data onto a new chip card and there you have it a cloned card.

However its easier to clone the mag stripe. But I wouldn't worry to much about cloning cards the real problem is all the companies that are keeping your and your card details on unsecured unencrypted databases...

Re: Has anyone had their card cloned?

Quote:

Originally Posted by tigersaw (Post 1321355)

Some ATM's still read the magnetic strip. They're all meant to be set up to read the chip but not all of the cash machines we're replaced/upgraded and there is still a significant number of machines that read the strip!

Quote:

Originally Posted by squirrel_hunter (Post 1321504)

I need to make it very clear here. It is possible to clone the chip.
It is possible to copy or clone anything, if the technology exists to make something then it exists to for someone to copy it!

At the end of the day there is a device that reads the card and validates the input. While it is encrypted there is no encryption that is perfect and given enough time or someone with the key encryption will be broken. It is then a simple task of loading the data onto a new chip card and there you have it a cloned card.

It's only a matter of time before they start producing perfect clones of cards like they used to!

However its easier to clone the mag stripe. (easier, cheaper and quicker, hence much more attractive to fraudsters at the moment) But I wouldn't worry to much about cloning cards the real problem is all the companies that are keeping your and your card details on unsecured unencrypted databases...

That last statement is the scariest piece of information on the thread, anyone with a bit of computer knowhow and a job in the right place could have a firld day with all the details stored!!

Re: Has anyone had their card cloned?

Yep, some joker thought he'd set up an internet betting account with mine !
He started betting £50 a time, then got more adventurous

My bank phoned me to tell me something was dodgy.
refund straight away. no probs.

Wonder where the winnings went?:confused:

Re: Has anyone had their card cloned?

Well a my sis was actually in Hammersmith few weeks before these unauthorised transactions.
The only time she used her card was to check her balance at an ATM in the tube/train station. I'm wondering if its more than a coincedence that's where card swipe transactions were made?? Maybe one of those little devices they put into the card slot on an ATM that reads peoples card details? Is it worth her phoning the Met police & tell them which ATM it was so they can keep an eye on it?

Re: Has anyone had their card cloned?

Quote:

Originally Posted by squirrel_hunter (Post 1321504)

At the end of the day there is a device that reads the card and validates the input. While it is encrypted there is no encryption that is perfect and given enough time or someone with the key encryption will be broken. It is then a simple task of loading the data onto a new chip card and there you have it a cloned card.

However its easier to clone the mag stripe. But I wouldn't worry to much about cloning cards the real problem is all the companies that are keeping your and your card details on unsecured unencrypted databases...

:thumbsup: Even APACS admit it's not foolproof, in fact, they say the pin number is stronger- so considering how easy it is to aquire a pin, that's not exactly encouraging. Some of the information gatherers essentially image the chip, so it's not even neccesary to break the encryption if you have the pin- you just have to produce an exact copy. Easier to crib it by other means than to break the chip.

But aye, it's still uncommon, because it's so much hassle to do- easier to do a card trap, or a not-present transaction, or magnetic strip clone.