I am a victim of crime
 

First time this has happened to me but some ******* has cloned my credit card.

I got a call from the bank asking me if i'd made any cash withdrawals recently. Well that was a no-brainer, no I haven't. So no I definitely didn't try to draw out £500 at NatWest in Birmingham today, nor did I try £200 and nor did I do the £100 they paid out on. *******s got the PIN right first time. Bank was alerted cos the machine read incomplete details - thieves can copy the magnetic strip but not the chip. So if that was enough to decline £500 and £200, why did they pay out on £100?

So now the bank has stopped the card. I have no idea who could have done this or where, I don't use dodgy terminals, and I don't use it on the internet. Over to their fraud investigation department. Fortunately I'm not responsible so they reimburse the account.

Ed

Bummer for you Ed - although you have to be happy it was the credit card. Switch cards take an age to get back trying to prove your innocence. Nice of them to call as well.

I got done some months ago.

The bank spotted it, rang me, confirmed that they were not my transactions and stopped the card.

All fairly good, no cost to me.

Trouble is there were some things, like my ISP charges (and about 20 other things that i had forgotten) that were set up as direct debits on the card.

It took ages to sort it all out and get everything transfered to the new card.

That happened to me on my credit card - when I got my statement there were a couple of (quite large) transactions to a mobile phone company that I dont use, for top up cards - I was reimbursed, card was stopped etc. I felt quite violated :x

I had my card cloned, and they took cash out in Sri Lanka :shock:

that was a no brainer for me to prove it wasnt me!

I suspect a dodgy petrol garage in my case, I hate it with the amount of cameras directly looking at you and the counter.... rather simple for some theiving git to look over the CCTV.. hey presto, card number off the machine, PIN off the CCTV :evil:


I think the new chip and pin thing has made things far worse..... plus, all you need is one dodgy shop, and they have all your details then.... and can take money out at a cash point, where as, before chip and pin, if they did nab your details at least they did not have your pin and couldnt withdraw cash......

I had the opposite - I was called and told I had my card cloned when I hadn't!

The bank thought a transaction in Barnet and one in Berlin at the same time were too strange. Pleasures of online airline ticketing!

my boss used his credit card to buy sometickets over the phone from Donnington last year, a week later his credit card company rang him asking if he had used £2000 off the card for silly stuff down midlands, he said no and the reimbursed him, dodgy dodgy

I also suspect dodgy petrol station, if they got your PIN right then they'll have had a camera set up to watch you punch it in same time as they swiped your card on thier cloner. Always cover the keypad when putting the PIN in.
Sorry they got you Ed but at least it was the bank's money and not yours.

you cant beat good old fashion'd paper money, i havent got a credit card and i rarely use chip and pin.

Yep, happened to me too, I had been in Malaysia and reckon it got swiped there, maybe when I bought my chipped PS2 :oops:

My bank were great, phoned me up, asked me which payments were fraudulent and wrote them off, cancelled the card and sent me a new one in 3 days.

The only downside is that I then got marked as a "watch carefully" customer, so I found for a year after if I bought anything over £100 it would take ages in the shop, sometimes even involving the shop having to phone the credit card company and them asking me my mum's maiden name over the counter.....