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Poss just been victim of online fraud

shanecr Avatar
8y, 9m agoPosted 8 years, 9 months ago
My fiancee checked her bank account today, and there was approx £140 in in, and this evening she done an online shop with asda. after finishing the order she checked her account again to see a zero balance. She phoned to hear the news of almost £700 is in a pending transaction. They say they cant stop it and to phone tomorrow so they can investigate.
This is quite a shock to both of us, and some we can not afford. It says on our bank website they guarantee against online fraud and any customer who loses money will get it all back.
we are hoping that this is the case, but how long does this process take?
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shanecr Avatar
8y, 9m agoPosted 8 years, 9 months ago
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banned#1
have you got any dd going out for maybe £70 that could have gone through at £700 by error, just a thought
#2
I have no idea if it's along the same timescales, but when my friend got his bank involved to reclaim £450 from a company that wasn't authorised to take it from his debit card, they said it can take up to 10 weeks. If it's fraud, I don't know whether they can refund you quicker, but I certainly hope so.
#3
Expect it to take about a mth to get the money back at the very least,it happened to my partner only his card not been used online,it must been copied in a shop,he too acreful at atms too.
1 Like #4
i think it depends on the bank - Lloyds put it back within a day for me but you must then fill in their forms etc.
To be honest the scale of this is now so big i actually dont know anyone in my personal circle who hasnt had their account 'dipped'.
The banks are now advising online purchases should be made with your credit card not debit card! Think this is just because then the retailer gets the money pulled back if its misused and the banks suffer less..........

sincere sympathies because i know how upset i was when it happened to me.
#5
An order for 10 bouncy castles?
#6
The same has just happened to a friend of mine they where frauded of £700.
#7
dealtothetop
The same has just happened to a friend of mine they where frauded of £700.


dont suppose they were playing the bingo sites posted?
#8
astronomik
i think it depends on the bank - Lloyds put it back within a day for me but you must then fill in their forms etc.
To be honest the scale of this is now so big i actually dont know anyone in my personal circle who hasnt had their account 'dipped'.
The banks are now advising online purchases should be made with your credit card not debit card! Think this is just because then the retailer gets the money pulled back if its misused and the banks suffer less..........

sincere sympathies because i know how upset i was when it happened to me.


thanks. its Bank of Scotland. Fingers crossed its an error, pretty much dont want to think about it now till hear what bank has to say tomorrow.
The amount is going to be over £400 past the overdraft, think the bank will still let it through? or deny it due to lack of funds?
#9
Hi no bingo sites they did 21 in liverpool then i think it was 695 on something else.
#10
dealtothetop
Hi no bingo sites they did 21 in liverpool then i think it was 695 on something else.


i meant had they played bingo using the free £10 offer, then realised money had been taken from the account. like someone grabbed card details from the sign up page.
1 Like #11
Bank of scotland are good with things like this, i had someone take over £1300 outta mine for some dodgy company, they called the company, it was for a laptop, they asked how he paid for it (looking for cctv or whatever), They said, over the phone, lol

But i got my money back withing 60 days, also, if they have emptied your account, they will set up an interest free overdraft till it gets sorted out so you dont go without money, but thats the fraud part that sets it up or increase your overdraft
banned#12
Check your statements to see if you used your card at any place where they would have had your card out of your site (petrol station / restaurant). I'd put money on the fact this is where your card was cloned rather than anywhere online.

I was a victim to the tune of £2500 on my credit card. Tescos credit card in fact, and they refunded all amounts on the day I complained and sent out a new card 3 days later. The fraud was traced to some jerk in my local petrol station. The police cautioned him which is a complete joke. He did get the sack though.

My friend states he'd never buy online but is quite happy to give all his card details to someone on the phone! Weird bloke ;)
1 Like #13
My friend had this happen and it was through a petrol station (seems to be a bit of a hot spot for it judging by the other posts) he got his money reimbursed with the week.

Hope all turns out ok for you, must be awful moment when you find out and you must have had a terrible (lack of) nights sleep.

Let us know how you get on.
banned 1 Like #14
Avoid anywhere that doesnt have chip & pin is my advice and never hand your card over to restaurant staff.
#15
csiman
Check your statements to see if you used your card at any place where they would have had your card out of your site (petrol station / restaurant). I'd put money on the fact this is where your card was cloned rather than anywhere online.

I was a victim to the tune of £2500 on my credit card. Tescos credit card in fact, and they refunded all amounts on the day I complained and sent out a new card 3 days later. The fraud was traced to some jerk in my local petrol station. The police cautioned him which is a complete joke. He did get the sack though.

My friend states he'd never buy online but is quite happy to give all his card details to someone on the phone! Weird bloke ;)



i can't see this being the way it happened as i only ever use my card online,at atm's or chip and pin. i don't ever hand my card over.
thank you for your info though,hopefully i'll be as lucky in getting money back and finding out who has done this.:thumbsup:
#16
suze
My friend had this happen and it was through a petrol station (seems to be a bit of a hot spot for it judging by the other posts) he got his money reimbursed with the week.

Hope all turns out ok for you, must be awful moment when you find out and you must have had a terrible (lack of) nights sleep.

Let us know how you get on.


hope mines sorted quickly also.

thank you and yes it felt horrible realising our money had gone and even worse after talking to bank and finding out why. think i'm still in a bit of shock,not as bad as i was finding out though.

either myself or my fiance (shanecr) will post up any progress

thank you all for your info,etc. :thumbsup:
1 Like #17
Least you caught on quickly, some people don't know until statements arrive....ours got cloned in a reputable toy shop, however, because I nearly got caught out years ago, we check our accounts online every other day, and have texts if an amount of more than £50 goes out.
#18
All this is so worrying, the worst thing is the feeling of helplessness until something happens and then it seems pot luck as to how your bank reacts
#19
strange i droped my virgin media package and was in credit by £50 so when they took £98 out of my account i just asked the bank to do a snach back and they did then i roasted vm on the phone
1 Like #20
raptorcigs
strange i droped my virgin media package and was in credit by £50 so when they took £98 out of my account i just asked the bank to do a snach back and they did then i roasted vm on the phone


good luck m8:thumbsup:
#21
well it seems someone has used card details to try buy holidays at lastminute.com, one for £650 approx, another £120 approx. the bank are changing the account and an investigation has been started. they have also given us a £100 overdraft on another account to tie us over.
The card has not been used anywhere offline recently other than chip and pin places like asda and co-op. But online she has used that particular card on all the bingo sites. Those sites were not secure i notice, with the https: when signing up, so i am certain thats where the card details were snatched.
#22
shanecr
well it seems someone has used card details to try buy holidays at lastminute.com, one for £650 approx, another £120 approx. the bank are changing the account and an investigation has been started. they have also given us a £100 overdraft on another account to tie us over.
The card has not been used anywhere offline recently other than chip and pin places like asda and co-op. But online she has used that particular card on all the bingo sites. Those sites were not secure i notice, with the https: when signing up, so i am certain thats where the card details were snatched.


OMG :w00t: Hope things work out ok for you

Surely there should to be some regulation for these sites to abibe by?
1 Like #23
This happened to a friend of mine just a couple of weeks ago and it took just 2 weeks to get sorted. Very wierd how the same store was used (ASDA). Looks like they will accapt anything in there, the only problem is that it will be them that lose out in the end as the bank will claim the money from them. Even though the bank shouldn't allow a big transaction to go through like that to make you overdrawn,
#24
suze
OMG :w00t: Hope things work out ok for you

Surely there should to be some regulation for these sites to abibe by?



yeah. there should be. ah well, the bank says it will contact lastminute.com and will refund us, although also mentioned that the refund may be claimed back, tho i assume thats standard procedure talk
1 Like #25
The banks and credit card companies make so much profit that a few thousand stolen here and there doesn't really affect them.
I would be round the bend with worry if it happened to me, i hope you get it sorted, good luck.
#26
shanecr
yeah. there should be. ah well, the bank says it will contact lastminute.com and will refund us, although also mentioned that the refund may be claimed back, tho i assume thats standard procedure talk



Good luck and hope all goes ok for you, very worrying times for you though.
#27
I noticed they werent secure after 2/3 times then i realised i stopped then playing as i have been a victim before from people setting up DD from my account which bank refunded in 2 working days.

I hope you get this sorted ASAP for all your sakes and maybe even ask for a change of card and bank details to stop it happening again.
#28
Also make sure that when you refunded that they also refund any overdaft charges that may have been applied.
banned#29
sophie***;1601685
The banks and credit card companies make so much profit that a few thousand stolen here and there doesn't really affect them.
I would be round the bend with worry if it happened to me, i hope you get it sorted, good luck.

A few thousand here and there!

More like £750,000,000 last year and guess who pays for the losses in the end......;-)
1 Like #30
amcol
I noticed they werent secure after 2/3 times then i realised i stopped then playing as i have been a victim before from people setting up DD from my account which bank refunded in 2 working days.

I hope you get this sorted ASAP for all your sakes and maybe even ask for a change of card and bank details to stop it happening again.


yeah, all the details were changed, new card is being sent out etc. i'm sure in a few weeks time we will find this funny. Like my mother says, you either laugh or you cry
#31
Thanks for the rep shanecr, you didn't ned to do that though, just hope all turns out ok for you.
1 Like #32
Yeah i was shocked with it all, its disturbing to know its happened to you i think as its one of those things you think your immune to and brush it off, but when it does happen the shock is well disbelief that it has happened to you.

Fingers crossed within the next few days/weeks its all sorted. Are the police involved?
#33
shanecr
well it seems someone has used card details to try buy holidays at lastminute.com, one for £650 approx, another £120 approx. the bank are changing the account and an investigation has been started. they have also given us a £100 overdraft on another account to tie us over.
The card has not been used anywhere offline recently other than chip and pin places like asda and co-op. But online she has used that particular card on all the bingo sites. Those sites were not secure i notice, with the https: when signing up, so i am certain thats where the card details were snatched.


OMG i have signed up to all these bingo sites and all that has come out so far is the depostis i had to make to make the withdrawals. I hope and pray mine does't get done over.
#34
amcol
Yeah i was shocked with it all, its disturbing to know its happened to you i think as its one of those things you think your immune to and brush it off, but when it does happen the shock is well disbelief that it has happened to you.

Fingers crossed within the next few days/weeks its all sorted. Are the police involved?


to be honest, we will leave it in the hands of the banks fraud team. i assume they will involve police when needed. :)
#35
Had a £100 nicked a few weeks back from my account and spent at Itunes. Made me angry more than anything, my bank alliance & leicester sorted it within a few days. As others have said make sure you watch for overdraft charges.

Other than me my Dad has had £2000 stolen at Tesco Direct and my Auntie £1500 spent in Italy (she was in England at the time). What I don't understand is these morons who clone cards at petrol stations, don't they realise that someone at the bank would notice that all these peoples accounts are hacked right after getting petrol.
#36
shanecr
yeah. there should be. ah well, the bank says it will contact lastminute.com and will refund us, although also mentioned that the refund may be claimed back, tho i assume thats standard procedure talk


at least if someone has bought a holiday at lastminute.com i would assume that they did it in their name for their holiday so the site will have all their details
just keep an eye open on the fs/trade forum for people selling holidays! :thumbsup:
#37
donnydude
at least if someone has bought a holiday at lastminute.com i would assume that they did it in their name for their holiday so the site will have all their details
just keep an eye open on the fs/trade forum for people selling holidays! :thumbsup:


lol if i see a neighbour putting suitcases into a car or taxi i'm gonna jump them :-D
#38
Glad its in hand getting it sorted out.
#39
Ungreat
Had a £100 nicked a few weeks back from my account and spent at Itunes. Made me angry more than anything, my bank alliance & leicester sorted it within a few days. As others have said make sure you watch for overdraft charges.

Other than me my Dad has had £2000 stolen at Tesco Direct and my Auntie £1500 spent in Italy (she was in England at the time). What I don't understand is these morons who clone cards at petrol stations, don't they realise that someone at the bank would notice that all these peoples accounts are hacked right after getting petrol.


seems to take a while, happened in Weymouth last summer, problem is staff just disappear, police don't have time to deal with chasing them, just close operations down. The fraudsters bank on it taking time to realise....the ones that did me, rang me up saying someone was trying to use my card and asked for my security details...very nearly fell for it! Rang the police and the bank, never heard anything about it afterwards.
shanecr thanks you didn't need to!
#40
Agent_Silver
seems to take a while, happened in Weymouth last summer, problem is staff just disappear, police don't have time to deal with chasing them, just close operations down. The fraudsters bank on it taking time to realise....the ones that did me, rang me up saying someone was trying to use my card and asked for my security details...very nearly fell for it! Rang the police and the bank, never heard anything about it afterwards.
shanecr thanks you didn't need to!


I've heard of cheeky little sods trying that. If I ever get a call from my bank I always ask for a ref number then call back the number on my statement. I must get about six or seven phishing emails a day now, it's getting out of hand. I'm just lucky i've got money coming in from this Nigerian millionaire who contacted me, so thats good. :p

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