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Credit card got stolen and used :cry:

Mark300ZX Avatar
9y, 9m agoPosted 9 years, 9 months ago
Went out with the girlfriend the other night and her credit card was stolen, and they spent a grand on it in a few hours!

She reported the theft to the police and they said the credit card companies are now letting customers be liable for any losses:-(

Is this right and is there anyway we can minimise our losses?
Mark300ZX Avatar
9y, 9m agoPosted 9 years, 9 months ago
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#1
Which credit card company is it?
#2
Mark300ZX
Went out with the girlfriend the other night and her credit card was stolen, and they spent a grand on it in a few hours!

She reported the theft to the police and they said the credit card companies are now letting customers be liable for any losses:-(

Is this right and is there anyway we can minimise our losses?


Did the transactions require the use of the PIN?
banned#3
I know this is the 'wrong' way to go about it, but the easiest way is to go steal someone elses details and take your money back.

Obviously I am not suggesting you do this, but as each day passes I feel more and more that the people that do this sort of thing are far better off in the long term. We are offered little or no protection from the fat cats that own all these companies, who could be deemed criminals themselves - the charges they put on everything!

After all, we have only been told that stealing and general crime is bad. What happens if we have been doing it the wrong way round? After all take a look at the animal kingdom, does a Hyena go to hell for stealing the Leopards dinner?

Food for thought, indeed.

Although this doesn't help your query, it helps me share my thoughts.
#4
Did you have any card protection?
How did they steal the card only and not the purse/handbag etc?
When you went out did you use the card at all? If so was it ever out of your sight (restaurants that take away your card provides thief's easy opportunity to clone the card out back, but even @ cashier tills they can do that if you don't want them)
Have you checked online banking for when it used and where?
Have you called the police and obtained a crime reference number?
#5
will ask her what the card was, she is australian and so is the card, so I am just hoping they have more leniant rules down under!

Don't know about the pin, the card was used in a bar to buy a grands worth of drinks, if I didn't know any better I would think the bar was in on the scam!
#6
JDeal
I know this is the 'wrong' way to go about it, but the easiest way is to go steal someone elses details and take your money back.

Obviously I am not suggesting you do this, but as each day passes I feel more and more that the people that do this sort of thing are far better off in the long term. We are offered little or no protection from the fat cats that own all these companies, who could be deemed criminals themselves - the charges they put on everything!

After all, we have only been told that stealing and general crime is bad. What happens if we have been doing it the wrong way round? After all take a look at the animal kingdom, does a Hyena go to hell for stealing the Leopards dinner?

Food for thought, indeed.

Although this doesn't help your query, it helps me share my thoughts.


A leopards dinner is in the public domain. A credit card isn't.
#7
Mark300ZX
Went out with the girlfriend the other night and her credit card was stolen, and they spent a grand on it in a few hours!

She reported the theft to the police and they said the credit card companies are now letting customers be liable for any losses:-(

Is this right and is there anyway we can minimise our losses?


You said the police told you that credit card companies are not letting customers be liable for any losses, but not that your bank told you this. I would check with the bank before I started worrying

Hope you get this sorted
#8
Used in a bar? That means people and witness's assuming it wasn't an underhand thing with the bar staff in the know.
Ask if the bar uses pin if so they are at fault i believe, if just a signiture those slips will be evidence.
Get to the bar asap and demand cctv be given to the police with crime reference in hand
banned#9
crazyhorse
A leopards dinner is in the public domain. A credit card isn't.


You say that but how? That animal has struggled to make a kill and then it is taken, we have struggled to earn our money and then it is taken. Surely in the animal kingdom food is as good as a currency as GBP is? It was an example, I completely disagree about things like this happening. But nobody gives the protection they offer.
#10
Did you have any card protection? No

How did they steal the card only and not the purse/handbag etc?

While I was at the bar she was waiting a few yards behind, the bar was crowded and she must have had her handbag open, they took the purse out removed the card and money and replaced the purse.

When you went out did you use the card at all? If so was it ever out of your sight (restaurants that take away your card provides thief's easy opportunity to clone the card out back, but even @ cashier tills they can do that if you don't want them)

Her card was not used that evening!

Have you checked online banking for when it used and where? Yes

Have you called the police and obtained a crime reference number? Yes
#11
The crazyhorse suggestion is a bit silly really unless you want to risk getting a police record and of course going to court/sentanced.
#12
Mark300ZX
Did you have any card protection? No

How did they steal the card only and not the purse/handbag etc?

While I was at the bar she was waiting a few yards behind, the bar was crowded and she must have had her handbag open, they took the purse out removed the card and money and replaced the purse.

When you went out did you use the card at all? If so was it ever out of your sight (restaurants that take away your card provides thief's easy opportunity to clone the card out back, but even @ cashier tills they can do that if you don't want them)

Her card was not used that evening!

Have you checked online banking for when it used and where? Yes

Have you called the police and obtained a crime reference number? Yes


Visiting the bar maybe is a bit ott now that I think about it.
And I'm not sure the police would appreciate it, assuming if they chase it up, if they don't, at all; I'd be tempted to write to the manager of the bar via SD, with crime ref # & the cc spending transactions in question and demand it be sorted asap as they have been party to theft.
banned#13
I beleive you mean my suggestion?

If so, I said - Obviously I am not suggesting you do this.

Which of course I do not suggest you do that.
#14
I worked for a shop when the chip and pin was introduced and we were told all about it... we were told that if a card is used WITH the pin then the card holder can be held liable as they must of either told somone their number or had it written down with the card, if the transactions were signed for then you can claim it back.

This is just what I was told a few years back tho so I would definetly check with the bank.
#15
Thanks for the support people!

To be truthful it is frustrating living in london sometimes, I have to admit I have had my pocket picked, but luckily for me they mistook the item they took as being of value.

She doesn't really want to talk about it at the mo as the copper has sent her into a state of depression saying she will have to pay for the theft :-(
#16
I'm surprised the police know the conditions of her card that well, IMO it seems to me the coppers are saying that so you can resign to paying for it and leaving them alone.
#17
My card was cloned and it was Barclaycard who wrote me a letter asking if I had spent this money, they had also tried to use it online to buy things from Argos for £3000, but luckily this was declined. They managed to get some sports clothing online for about £250, and a couple of smaller transactions but all this was refunded by Barclaycard.

Usually, if you start spending differently or in a different area to what you usually do, the card will perhaps do a prompt at the till and ask the shop to ring up so they can do a security check.(I work in a supermarket on checkouts, and it's my job to do these checks) If the person has nicked it, you can bet your bottom dollar, at this point they make a quick exit!!!!!!!!!
#18
Barclaycard tend to have some ofthe best CS and insurance on cc's though.
But by the same measure have some of the worst penalty/late charges and worst apr.
So good if you can pay off your entire bill every month which everyone should be doing anyways :)
[mod]#19
Most bars now days have CCTV and you'd like to think that someone running up a drinks bill for a £1,000 would stick in your mind a bit. Unless they have some really hardcore regulars.
#20
Syzable
Most bars now days have CCTV and you'd like to think that someone running up a drinks bill for a £1,000 would stick in your mind a bit. Unless they have some really hardcore regulars.


Agreed, if the police chase it up as they should, there should be plenty of witness and video tape evidence of the perpetrator.

Have you talked to the officer you dealt with today?
#21
To be honest I am leaving it up to her as I she probably doesn't want me reminding her of it, but you are probably right about the police.

I find that in London they are only interested in crimes of violence or politically active topics, and this will only go down as another statistic!
#22
Mark300ZX
To be honest I am leaving it up to her as I she probably doesn't want me reminding her of it, but you are probably right about the police.

I find that in London they are only interested in crimes of violence or politically active topics, and this will only go down as another statistic!

Do the letter then.

Also if your gf doesn't chase this up, the more likely the bar staff will forget what occured, the more likely the signiture slips will disappear, the more likely cctv will be taped over, the more likely the criminal will get away with it. If she chooses ignorance now then pleads all hell come the bill, she'll only have herself to blame.
#23
schizoboy
The crazyhorse suggestion is a bit silly really unless you want to risk getting a police record and of course going to court/sentanced.



Not guilty! JDeal is the anachist amongst us.
#24
Mark300ZX
Went out with the girlfriend the other night and her credit card was stolen, and they spent a grand on it in a few hours!

She reported the theft to the police and they said the credit card companies are now letting customers be liable for any losses:-(

Is this right and is there anyway we can minimise our losses?


Put simply, take more care of your credit card. Why should the CC company foot the bill?
banned#25
crazyhorse
Not guilty! JDeal is the anachist amongst us.


When you learn to spell, I may take you seriously :thumbsup:

If you look back at the posts I said I was the one that used that statement and not you.

Perhaps when you lose money, you may feel some sympathy for those who already have.
#26
JDeal
When you learn to spell, I may take you seriously :thumbsup:

If you look back at the posts I said I was the one that used that statement and not you.

Perhaps when you lose money, you may feel some sympathy for those who already have.


Must be all those years reading The Guardian. And besides it was an objective point of view. duh!
#27
crazyhorse
Put simply, take more care of your credit card. Why should the CC company foot the bill?


I am not sure they do foot all of the bill, if the adequate security precautions are not taken by the vendor then they may have to foot the bill!

But anyway thanks for being supportive and it must be difficult being perfect all the time:thumbsup:
#28
Mark300ZX
I am not sure they do foot all of the bill, if the adequate security precautions are not taken by the vendor then they may have to foot the bill!

But anyway thanks for being supportive and it must be difficult being perfect all the time:thumbsup:


Yep, your right Mark300ZX the vendor has to pay.
#29
I think some of the comments have been a little harsh. You've only got to watch The Real Hustle to see how some VERY feasible cons. can take place - you would have to be part of the murky scummy den of thieves to know how to avoid them, but some are down to a serious lack of forethought.
#30
jelli89
I think some of the comments have been a little harsh. You've only got to watch The Real Hustle to see how some VERY feasible cons. can take place (some, yes, are down to a serious lack of forethought).


Exactly. I feel more sorry for people done over by cons that are well thought out . Had I realised the OP was after the sympathy vote then fair enough.
banned#31
Yes some or a comment was a bit harsh, but working in the industry I do, no matter what and its a sad indictment of today society that there are so many unscrupulous people who want to steal what most of us have worked hard for. Then the double whammy of some credit card providers who dont give a rats bottom.

It pays to be ultra carefull nowadays with all personal items/cards etc as Mr or Miss/Mrs/Ms Thief is always on the look out for an easy pay day.
#32
As far as I know all credit cards normally have the following paragraph in the t&c's

LOSS OR MISUSE OF A CREDIT CARD.

If the credit card is lost, stolen or misused by someone who obtained it without your consent, you will not be liable for any loss to us. If it is misused with your permission or because you have not acted with reasonable care, you will probably be liable for all losses. You will not be liable for losses to us which take place after you have told us about the loss, theft, etc.
#33
Cheers for the support guys!

Keyboard ninjas don't get turned over, because they only live in a virtual world, with electronic mates, but hey each to their own!
#34
It's a dog eat dog world and you won't find me in a can of Pedigree Chum. :thumbsup:
banned#35
Why?

Your avatar is a horse and your username suggests the same :giggle:

Maybe whilst your a young horse your be safe, but wait until your an old horse an see where you find yourself!
#36
JDeal
Why?

Your avatar is a horse and your username suggests the same :giggle:

Maybe whilst your a young horse your be safe, but wait until your an old horse an see where you find yourself!



Irony a bit lost on you there perhaps?
#37
Instead of siting behind the keyboard, let's meet up and we can talk about this incident:thumbsup:
#38
http://static.bbmp3.com/smilies/jacked.gif:whistling:
banned#39
I am lost, who is meant to be argueing with who? :giggle:
#40
We don't argue here. :whistling:

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