Credit card fraud

T T

TFC

Well-Known Member
Joined
10 Aug 2008
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23,265
Location
Oh Manchester, is wonderful....
Just spent the last hour on the phone with the credit card companies because some cheeky **** decided to pose as Mrs TFC, change our address on an account and try to make $900 of charges. The worrying thing is they had personal info like her mothers maiden name ffs to be able to do this. Anybody else have to deal with this? Is there any legal recourse?

Identity theft, cyber fucking crime, I miss the good old days when the worst thing I had to worry about was getting caught on a game of knock a door run.

Cunts.
 
Find out where they live and brick their windows bud.

Btw, anyone who's worried about this, just pm me all your card numbers and personal details and I'll sort it out.
 
Happened to me a few months ago, went to do the weekly shop and no money on the debit card. The supermarket also has a branch of my bank inside so asked them why I had no money and some company had been taking 3 payments each month for 3 months - $25, $35 and $45.
I asked what it was for and they called them and it was ''buying porn'' (so the female assistant told me). I said ''I can download it for free, why would I buy it?''
I got it all back except the first payment as it was made just over 3 months and couldn't return it.
 
The change of address letter scam was being used many years ago.
I got a call from Goldfish telling me I hardly ever used my credit card and asking me if I wanted to renew it. I only got it for the free gift so I said "no" and heard no more until a few months later when a debt collection agency told me I owed them three and a half grand. I suggested they fucked off and they checked the address on their records which was for an area of the country close to the head offices of the Goldfish credit card operation.
I spoke to Goldfish and told them it was obviously an inside job, and while they disagreed strongly they cancelled the debt. They also got very upset when I asked if they'd checked the signature on the change of address letter with the sample signature on my initial application.
There was also a spate of credit card applications a few years ago when online applications weren't checked and cards were being sent and intercepted by the scammers. This usually involved addresses such as flats with communal letter boxes.
 
TFC said:
Just spent the last hour on the phone with the credit card companies because some cheeky c**t decided to pose as Mrs TFC, change our address on an account and try to make $900 of charges. The worrying thing is they had personal info like her mothers maiden name ffs to be able to do this. Anybody else have to deal with this? Is there any legal recourse?

Identity theft, cyber fucking crime, I miss the good old days when the worst thing I had to worry about was getting caught on a game of knock a door run.

c**ts.
Click to expand...


Hope you get it sorted pal it's a horrible thing to happen to you.
 
TFC said:
Just spent the last hour on the phone with the credit card companies because some cheeky c**t decided to pose as Mrs TFC, change our address on an account and try to make $900 of charges. The worrying thing is they had personal info like her mothers maiden name ffs to be able to do this. Anybody else have to deal with this? Is there any legal recourse?

Identity theft, cyber fucking crime, I miss the good old days when the worst thing I had to worry about was getting caught on a game of knock a door run.

c**ts.
Click to expand...

happened to me twice.
First time £3000 of air tickets to Nairobi, 3 months in advance. Credit card invoice showed flight number and ticket number. Barclays didn't even refer it to the police! We told Air France who were interested.
second time a hamper of champaqne, caviar and other goodies from Fortnum and Mason were delivered to an address darn sarth. Invoice had a delivery name as well but not mine. Again Barclaycard were not interested. They told me to tell the police. I told them as far as I was concerned it was them who'd been defrauded not me because I didn't have to pay a penny.

I read that CC companies only bother about fraud in the tens of thousands and plod just isn't interested.

almost makes it seem a viable career choice.

As you haven't actually lost anything what legal recourse could you want?
 
denislawsbackheel said:
TFC said:
Just spent the last hour on the phone with the credit card companies because some cheeky c**t decided to pose as Mrs TFC, change our address on an account and try to make $900 of charges. The worrying thing is they had personal info like her mothers maiden name ffs to be able to do this. Anybody else have to deal with this? Is there any legal recourse?

Identity theft, cyber fucking crime, I miss the good old days when the worst thing I had to worry about was getting caught on a game of knock a door run.

c**ts.
Click to expand...

happened to me twice.
First time £3000 of air tickets to Nairobi, 3 months in advance. Credit card invoice showed flight number and ticket number. Barclays didn't even refer it to the police! We told Air France who were interested.
second time a hamper of champaqne, caviar and other goodies from Fortnum and Mason were delivered to an address darn sarth. Invoice had a delivery name as well but not mine. Again Barclaycard were not interested. They told me to tell the police. I told them as far as I was concerned it was them who'd been defrauded not me because I didn't have to pay a penny.

I read that CC companies only bother about fraud in the tens of thousands and plod just isn't interested.

almost makes it seem a viable career choice.

As you haven't actually lost anything what legal recourse could you want?
Click to expand...

I dunno mate, just a principle thing I suppose. I hate the thought of these cunts getting anything at all (a quid/50,000 quid) off the back of my name and info. Its the world we live in unfortunately, but you are right, cant grumble (too much) when we didnt actually lose anything.
 
It's bad press for banks so they try to make you sign documents to say you will keep this to yourself.

Proper dodgy cunts they write off fortunes every day!
 
It's becoming a major pain in the arse. I haven't been robbed personally but I have had to change my card a few times after it had been denied. The bank says that the card has been suspended because I had used it at a place where fraud had occurred. They won't tell you where the fraud had occurred though in order to protect the company. It's a joke, I don't want to use my card at a place that has dodgy, thieving cunts as employees.
 
Someone 'bought' £10,000 of jewellery with my card a few years ago, shocked to say the least. Bank sorted it out, apparently petrol stations are the main culprits fot skimming cards and selling them on.
 
Got my debit card done at a service station on M1 on way back from Stansted a couple of years ago.

Took £1900 initially and then tried to take £1800 but not enough in account.

Bank were pretty good about it, refunded almost straight away and I believe a couple of arrests were made
 
That's one of the reasons I never use a debit card online or for petrol.
Bottom line is if a debit card is defrauded it can get very unpleasant finding your account has been emptied and the banks are playing hard ball over reinstating it, with a credit card You just don't pay and let them argue the toss.
Barclaycard told me that they believed Amazon's security wasn't what it might be...
 
Check your bank account and credit card balances daily and try to recall what you've spent and when. It's more difficult when they set up a product in your name because they have all the details but an app on your phone allows you to check your own stuff easily. I do it on the way to work.

Had £100 taken from my bank about 18 months ago and they refunded me in two hours. The original moron on the phone kept asking me if I'd made the payment myself but the fraud people were efficient. I also had a credit card signed up in my name back in 2001. They waxed a fortune from service stations in Austria and Switzerland. I didn't have a passport at the time so that was also dealt with quickly.

They need to do more to prevent this. A refund is fine but it's the intrusion and inconvenience that really grates.
 
I have the opposite problem where Capital One randomly decline perfectly valid transactions of mine or my family when in the USA - I'm getting sick to death at shouting at their 'fraud prevention unit' to NOT DECLINE any credit card transaction from the USA
 
DiscoSteve said:
I have the opposite problem where Capital One randomly decline perfectly valid transactions of mine or my family when in the USA - I'm getting sick to death at shouting at their 'fraud prevention unit' to NOT DECLINE any credit card transaction from the USA
Click to expand...

I always let them know when I'm going to be out of the country. I ended up in Spain for two weeks without a credit card because the idiots had suspended it for "out of the ordinary use". Yeah, a couple of beers and a sandwich in Toronto airport.
 
Barcon said:
DiscoSteve said:
I have the opposite problem where Capital One randomly decline perfectly valid transactions of mine or my family when in the USA - I'm getting sick to death at shouting at their 'fraud prevention unit' to NOT DECLINE any credit card transaction from the USA
Click to expand...

I always let them know when I'm going to be out of the country. I ended up in Spain for two weeks without a credit card because the idiots had suspended it for "out of the ordinary use". Yeah, a couple of beers and a sandwich in Toronto airport.
Click to expand...

From my understanding, fraudsters test cards by making ordinary small purchases before going on a shopping spree. At work, if someone orders a back issue of a magazine (usually no more than a couple of quid) then we can only try three cards before refusing the sale. Some are that brazen that they'll do it by phone. Donating to a charity online also happens.
 
My local petrol station ran a debit card scam,i was really lucky not to get done as lots of people did.2 were arrested and went to prison
My bank will call me sometimes as part of random checks on security and make sure i am the one using the card
 
Barcon said:
DiscoSteve said:
I have the opposite problem where Capital One randomly decline perfectly valid transactions of mine or my family when in the USA - I'm getting sick to death at shouting at their 'fraud prevention unit' to NOT DECLINE any credit card transaction from the USA
Click to expand...

I always let them know when I'm going to be out of the country. I ended up in Spain for two weeks without a credit card because the idiots had suspended it for "out of the ordinary use". Yeah, a couple of beers and a sandwich in Toronto airport.
Click to expand...

I've tried that and they say "we can't stop our computers declining the transaction so just call us and we'll sort it out" - fat lot of good when you're left embarrassed at a hotel or car rental desk, f**king great service...."
 
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