ID Theft - Visa

Blondie here has just found £4k removed from her Nationwide account over the
past two days. She only has a combined Visa/Debit card. All the payments
seem to be Trenitalia and poste.it apart from one £15 payment to Easyjet.
Anyone got similar experiences.

She visited Nationwide who were as helpful as a bunch of cunts ought to be.

I don't have an overdraft facility, why have you allowed my account to
become £4000 overdrawn - "shrug"
What are you going to do about it - "fill in these forms"
What do I live on for now - "not our problem, it's yours"

I'm going to take her up to the local Plod station and report it now,
probably need a Crime ID number.

Advice gratefully received.

 

Can't provide any help but when we paid for the first DR-Z using SWMBOs
Barclays Connect card the transaction, for E5500, went through OK.

The next day we tried to buy E30 worth of stuff on it and it had been
blocked. One phone call later and all was well, but she was advised that
there has been a spate of fraudulent transactions involving UK cards mainly
in Italy, but also in France and so their fraud protection software just
automatically got tripped.

Of course the fact that it was tripped *after* the transaction was approved
seems to have slipped under Barclays' radar, but it shows that UK banks
*are* aware of a specific Italian and French problem at the moment.... So
maybe you should go and kick the Nationwide's arse some more...

Dave

 

It happened to me. Airline tickets £1900 and a charity donation
£15 (LiveAid)
Within a matter of days you could add £100+ in bank charges.

I also asked myself why they let the extraordinary payment
through, but they did. I asked them too without getting a
satisfactory reply.

There were further attempts to draw money from my account but by
then the authorities were aware of the situation.

Get plod involved straight away, crime number etc and fill all
the forms in.
Thereafter 'they' do all the work and you get your money back.

That was my experience, hope it goes well for you too.

 

I had something last year on a credit card, but in the end it was only
£50 as I noticed it almost right away through internet banking.

Identity Theft and nicking card details are different things.

I thought mine was just someone using my card number until I phoned up
Barclaycard who said "Yes, we'll send your new card to you within two
days to your address at <blah blah blah> Dartford." "Err, I don't live
in Dartford and never have done."

The scrote(s) had phoned up Barclaycard with my details and fooled the
tubby on the end of the line into thinking they were me and told them
my 'new' address. Because they changed my address they were able to
pay a deposit on a mobile phone (online) without the card system
showing a Dartford address. The card system didn't think anything of
it because as far as it was concerned I lived in Dartford.

Check with the bank today (phone banking?) that her address hasn't
been changed otherwise the replacement card and PIN will arrive at
another address.

I'm unsure as to how my card details were taken from me as I really do
shred all of my mail and then pulp it before it's put in for
recycling. It must have been either online (although no viruses or
spyware are on my system) or someone pinching my card details from a
till roll.

If she is unsure as to where her details were snatched from then I'd
be inclined to phone up all of my card issuers and request that they
send her new plastic. I explained the situation to all of mine and
they were more than happy to send me new cards.

If she has been an unfortunate victim of Identity Theft (and not just
plastic card theft) then I suggest she signs up for
http://www.cpp.co.uk/identityprotectionplan/ which costs about a fiver
a month and gives you unlimited checks of her credit file (in case
she's taken out a loan she doesn't know about) and it will email her
whenever there is a change to her credit file. It also provides
insurance for having to take time off of work and a helpline.

HTH.

 

This is the one that would have me calling Head Office.

I had my card details swiped when in Colombia last year. They ran up a
few grand on my Mastercard on airline flights. M/card didn't quibble in
the slightest: just killed the card and sent me another and accepted all
the false transactions I pointed to as false.

I believe that it's a lot harder to restore money nicked from an actual
bank account.

I'm pretty certain it was one of the hotels I stayed in, while in
Colombia, that took the CC details. They'd have had my passport number
as extra ID, from the hotel registry.

Now, when I sign in at a hotel, I always transpose or munge a couple of
digits on my passport number. If I'm staying in several in a short
period (like in Colombia, again, recently) then I do it in sequence. For
example, change the last digit to a 1 for the first hotel, 2 for the
second, and so on.

That way, if it's ever used as additional ID, I can point directly at
the hotel responsible. And they never check the passport number against
the registry card anyway.

 

I have nothing but praise for Nationwide.

Try calling Visa?



--
Dnc

B12, ZZR11
A6 2.5TDi V6 Quattro Sport
MIB#26 two#54(soiled) UKRMMA#26 BOTAFOT#153 X-FOT#003

 

The Older Gentleman wibbled:

Would it be any use getting Trading Standards involved - they seem to
be having some sport with the banks at the moment.

Good point, well made. Not that anyone would take much notice.

 

No - thank goodness.

Well yes. I might give the branch manager 1 chance but otherwise it
would be head office. If there was no satisfaction there then it's the
local papers and then local television and then national papers and
television. This sort of stuff makes wonderful headlines - the press
just love a chance to kick the banks over things like this.

But I would also be creating merry hell about their whole approach. I
would also be making very disparaging comparisons between their adverts
and how they rubbish the customer service stance of their competitors.
Shame that they are just as bad as their competitors.

The ultimate threat - and obviously depending on her financial standing
with Nationwide - is, of course, to move accounts, mortgages etc lock,
stock and barrel somewhere else while ensuring "the world" knows all
about it.

 

Indeed it is. Which is one of the reasons that apart from a few local
shops like the PO across the road, I *always* use a credit card to pay.
In the two cases that someone "borrowed" my card, the fraud detection
kicked in and the transactions never got anywhere near the statement
for the card.

 

In uk.rec.motorcycles, Hog belched forth and ejected the following:

http://www.nationwide.co.uk/contact_us/telephone_numbers/telephone_numbe
rs.htm

Never had my card details nicked but I've had other problems and they
were great.

 

Dispatches, Channel 4 NOW (21:00)

 

Oops, move along, nothing to see here.

 

*Ding*

Use credit card, pay bill when it comes.

Why the **** people get suckered into paying by debit card, I can't
fathom.

"It's so convenient!"

Yes. It takes the money immediately out of your bank account, instead of
giving you a month's grace, and you lose all your Consumer Credit Act
rights.

 

Had she just bought a mobile phone?

Dispatches tonight was more than a bit scary

 

Missed it, watching Tiberius get his. Anybody know if Despatches is
repeated later in the week?

 

That's also why I eschew (most) attempts to set up a Direct Debit.
For things that are constant (like my broadband payments), fine. For my
credit cards, where I have legal protection, fine. For gas, phone, and
electricity, where the amount is variable[1], no way! The utility
companies are so incompetent that I had the electricity company turn a
credit (where I'd paid an overestimated usage) from my previous address
into a debit applied to my new account!

[1] Telephone bill tends to be static; I've made two phone calls in the
past two years, both to the Police to report a stolen motorcycle...

--
Ivan Reid, Electronic & Computer Engineering, ___ CMS Collaboration,
Brunel University. Ivan.Reid@[brunel.ac.uk|cern.ch] Room 40-1-B12, CERN
GSX600F, RG250WD "You Porsche. Me pass!" DoD #484 JKLO#003, 005
WP7# 3000 LC Unit #2368 (tinlc) UKMC#00009 BOTAFOT#16 UKRMMA#7 (Hon)
KotPT -- "for stupidity above and beyond the call of duty".

 

Just as an aside banks, generally are a bunch of cunts anyway...

We (read SWMBO) have well over a mill, in various schemes and shares and
cash, with Barclays Private Bank (allegedly their premium banking service)
but can they sort out a tax certificate before 30th Sept so we can get tax
calculated by HMIR? Can they ****.

Bunch of overpaid, commission-losing cunts.

They're getting my accountant's bill this year, the late-sending paperwork
twats.... And I'm advising the accountant to up his charges, just for fun.

Dave

 

Not missed much, by the sound of it. The system's always been
vulnerable. I could have made thousands selling on details of credit
card slips years ago - literally thousands of payment slips in my
possession every Sunday when I did a tour of various pizza-muck joints
collecting the paperwork for head office.

 

I can chuck you a DVD if you want