autotrader never upsell its in their wording contract (and good too)
unfortunately your details are now buying nice girl in foreign country
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I have aquired a top up type credit card for use in situations I have doubts about trust.
You can only loose what you have topped up the card to. It can be topped up online by my online banking so its convenient
Its used for all "remote" card transactions, and is the only card linked to my paypal account.
Edited by Altea Ego on 11/01/2010 at 23:24
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I regard myself as pretty savvy when it comes to these sort of scams, but I have to admit on reading the OP I could well have fallen for that one myself.
I suppose the golden rule is to only ever part with bank or card details after you have initiated the contact yourself.
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SWMBO recently got a very convincing email from what purported to be Tesco's credit card inquiring if she had recently attempted to change her password and if not to contact them on a couple of numbers provided. Even a 'properties' check on the email address was convincing.
She contacted Tescos through the proper channels and sure enough someone had tried to use a clone of her card twice in Bankok airport. Failed the first time and then succeeded to the tune of about £80.
To be fair she had missed a text from Tescos regarding potential fraudulent use of the card.
Whoever it was had card details and email address so the problem would appear to be online shopping. She had given it a bashing in New York but the shops would not have had email address.
Very very easy to get sucked in!!!!!
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AE,
Have you used it with a Hire Car ?
Edited by Pugugly on 12/01/2010 at 07:33
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No not yet. Thinking about it I assume that would be a problem as it needs an open limit.
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Barclaycard for years has been good at detecting unusual use of credit cards too. I used mine a couple of times a while back to top up a mobile and buy some stuff online. This resulted in an automated call (which I missed). To call them back you had to call them from a number they knew (landline or mobile) with calling number given - good extra security.
When in Sorrento (I'd forgot to say I was going overseas) my bank card briefly didn't work and within about 5 minutes I got a call checking transactions.
AE, what top up credit card do you use though - sounds a good idea.
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If I get a call from a company and they can't satisfy me who they are then I suggest they write to me. Works every time and of course none of them write - they just want to sell something over the phone. Standard call from the banks is: 'we just want to review your account' to which I suggest: 'review away and write to me with your findings...'
If your bank or credit card is used fraudulently, and you haven't given out your PIN number then you can always remind the bank that they are the victim and not you. The fraud is perpetrated against the bank who have allowed a payment to be made. I covered all this before, but they do like to get their customers running around sometimes and reporting matters to the Police, when the customer is not the victim. If they don't play ball and credit your account then a quick chat about the banking ombudsman normally does the trick.
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SWMBO had a credit card transaction duplicated. She purchased an item in a shop, a month or so later the transaction was put through again. We challenged the second one and a copy of the slip showed 'purchaser not present'. The disputed sum was credited to her account.
The credit card company told us NOT to contact the police. We did anyway. They were most interested.
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The credit card company told us NOT to contact the police. We did anyway. They were most interested.
I had my credit card cloned 10 years or so ago, and someone had a fantastic weekend in Switzerland to the tune of about £4500 on it. A few days after this had become apparent, SWMBO's debit card was done and her bank account emptied. This was a week before Christmas, just to make matters worse.
We went through our statements, and found there had been only one common outlet (a local petrol station) where we had both used our cards, and the time gap between the two transactions was exactly the same as the gap between the two lots of fraud being noticed. We had no internet access then, so online fraud / phishing was out of the question.
The banks were fabulous and very supportive. We were told to contact the local police station, which we duly did. Despite chasing it three times, and leaving multiple sets of contact details, they didn't even bother to call us back.
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The banks were fabulous and very supportive. We were told to contact the local police station, which we duly did. Despite chasing it three times, and leaving multiple sets of contact details, they didn't even bother to call us back. >>
As you say that was 10 years ago. The new fraud reporting arrangements came in to force in 2006. The following is a story soon after the Fraud Act was implemented:
www.thisismoney.co.uk/credit-and-loans/id-fraud/ar...9
" ... Conservative MP for South West Bedfordshire, Andrew Selous, stoked the issue in a heated Commons debate last week in which he blamed the Government's underlying system for dealing with bank fraud as failing customers 'in a major way'.
He said 745 of his constituents, including his wife, had money stolen from their bank account at the end of last year through the tampered card reader at a petrol station in his constituency.
Bedfordshire police said it did not receive one referral from a bank or credit card company – and eventually only raided the petrol station two weeks ago after being tipped off by members of the public.
Mr Selous said in his Commons speech: 'Bedfordshire police raided the garage to which I have referred, partly because my constituents were not content just to tell their banks and credit card companies; they got on to the police.'
Although he declined to name individual companies directly, he said that all of the major High Street banks and credit card companies were responsible for not reporting the fraud. ...
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they do like to get their customers running around sometimes and reporting matters to the Police, when the customer is not the victim. >>
Customers are supposed to contact their Bank, who should then contact the relevant police station under the Fraud Act 2006. However, the latter seems frequently not to happen:
www.guardian.co.uk/money/2006/dec/05/accounts.busi...1
Metropolitan Police officer, Detective Superintendent Russell Day, told a group of MPs investigating the fast-growing problem of identity theft, that banks were keeping quiet about attacks on their systems, either because of concerns over public confidence or because they lacked confidence in the ability of the police to deal with such crimes.
news.bbc.co.uk/1/hi/6224912.stm
Apacs, the UK trade association for financial institutions delivering payment services to UK customers, dismissed any suggestion of a conflict of interest.
"We're not reporting every single fraud to every single police force," said Sandra Quinn, Apacs' director of corporate communications, "because we know that historically the police forces have not been able to deal with every single incidence and they're not going to be in the future either."
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I use the cashplus card. Its a Mastercard. They have a couple of schemes but I chose the scheme with £10 join fee, and £1 per transaction charge. Topped it up with 100 quids and then top it up for planned purchases. Its never been refused in any transaction yet. Its mostly used for online transactions.
Only trouble I see is the card has a 1 year expiry date.
Edited by Altea Ego on 12/01/2010 at 13:02
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There's not a single ATM in my area (7 within 50 yards of my house) that have survived without some evidence of an attack, generally damaged or disfigured card slots where piggyback card readers have been fitted then removed. I use a Prime card, you pay a percentage to top it up and then can use it where mastercard is accepted - perfect for fangled interweb stuff and your "real" credit card remains anonymous.
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