Hacked Debit Card

Couple of months ago I received a message from the Halifax, do I recognise this purchase, with a yes or no answer
The answer was no, which was followed by another text that the security team would contact me
I checked my account and four unrecognised transactions had been made
Bang on 9am the next day HLifax contacted me and they said the payments were made to an Indian bus company. They stopped the card and said they would refund the money, which they did
I asked a number of questions including how did they get my card details and they said it may have been a hack on a website I've bought off in the past
 
It's possible to generate them.

The first 8 digits identify the issuer, so that's easy to get. The next seven are random and the last is a check digit. An algorithm twill generate a number from some or all of the first fifteen digits, by some arithmetic means, then the last digit might be added to the derived number and the sum must divide exactly by, say, 10, 11 or 12.

So if your card number is 1234 5678 9101 1215, the algorithm might involve the sum of digits 1, 3, 5, 7, 9, 11, 13 and 15 multiplied by 1 with the seven even-numbered digits multiplied by 2. That would give a sum total of 75, and the 5 at the end makes 80. If the algorithm involves division by 10, then that would be a valid number.
 
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dickie davies said:
Couple of months ago I received a message from the Halifax, do I recognise this purchase, with a yes or no answer
The answer was no, which was followed by another text that the security team would contact me
I checked my account and four unrecognised transactions had been made
Bang on 9am the next day HLifax contacted me and they said the payments were made to an Indian bus company. They stopped the card and said they would refund the money, which they did
I asked a number of questions including how did they get my card details and they said it may have been a hack on a website I've bought off in the past
Click to expand...

Hmm same for me. Except I spotted it myself and they never contacted me. Which I thought was a bit poor considering their system had automatically blocked a number of attempted transactions before that which means they would surely know my account had been compromised?
 
Prestwich_Blue said:
It's possible to generate them.

The first 8 digits identify the issuer, so that's easy to get. The next seven are random and the last is a check digit. The numbers will use an algorithm to generate a number from some or all of the first fifteen digits, by some arithmetic means, then the last digit might be added to the derived number and the sum must divide exactly by, say, 10, 11 or 12.

So if your card number is 1234 5678 9101 1215, the algorithm might involve the sum of digits 1, 3, 5, 7, 9, 11, 13 and 15 multiplied by 1 with the seven even-numbered digits multiplied by 2. That would give a sum total of 75, and the 5 at the end makes 80. If the algorithm involves division by 10, then that would be a valid number.
Click to expand...
Jesus, cheers mate. Lol
 
Never, ever use a debit card online.
Only ever use a credit card.

Why?

Well apart from credit cards giving you section 75 protection, debit card fraud is money taken off me and I have the hassle of trying to get it back whereas on a credit card if I don’t recognise it I ain’t paying it and the bank can sort it out.
 
You might have bought something from a dodgy site.
Happened to me when i tried to buy something from a facebook site that was a copy of a real site and I didn't realise.
No money was taken at the time but i got a call a week later from the bank asking if i was in America because someone was trying to order a takeaway online with my card.
 
Happened to me recently. I bought something off an internet site for a price with hindsight was too good to be true, it was basically set up to get people's card details. Two small amounts were taken amounting to approximately £60. My bank, NatWest, were excellent in dealing with the fraud and the money refunded. Lesson learned.
 
It happened on an MBNA credit card. The Bank called me and were brilliant at identifying/cancelling and re-ordering the card. Really first class service. Some bugger in Israel. They use the number for a couple of small tsxns then if they work, go for it.
 
The mrs bought something of amazon and the bank believe her debit card number was stolen from that it was a couple days before we where about to go on holiday so she was a little bit stressed just over £1k .This consisted of 6 rounds of drinks at a wetherspoons pub a night booked at a hotel a subscrption to a dating site and another payment for what we presume was his date (if thats what you call them these days ) .We asked if the police would be looking at cctv from the pub or hotel but seems they didnt bother.lioyds refunded the money straight away but because the dating site was monthly subscription the bank said she would have to cancel her self but they did end up refunding her think it was about £100 that the bank had allready refunded
 
billblu said:
The mrs bought something of amazon and the bank believe her debit card number was stolen from that it was a couple days before we where about to go on holiday so she was a little bit stressed just over £1k .This consisted of 6 rounds of drinks at a wetherspoons pub a night booked at a hotel a subscrption to a dating site and another payment for what we presume was his date (if thats what you call them these days ) .We asked if the police would be looking at cctv from the pub or hotel but seems they didnt bother.lioyds refunded the money straight away but because the dating site was monthly subscription the bank said she would have to cancel her self but they did end up refunding her think it was about £100 that the bank had allready refunded
Click to expand...
So if I picked up a date off a dating site, got pissed and a night in a hotel room, I could claim my card was stolen, get my money back and nobody’s checking the CCTV?

Interesting….



;)
 
tweety said:
Happened to me recently. I bought something off an internet site for a price with hindsight was too good to be true, it was basically set up to get people's card details. Two small amounts were taken amounting to approximately £60. My bank, NatWest, were excellent in dealing with the fraud and the money refunded. Lesson learned.
Click to expand...
That's scary. My wife is always buying cheap rubbish from websites. Maybe it's time for her to have a separate account.
 
Citizen of Legoland said:
So if I picked up a date off a dating site, got pissed and a night in a hotel room, I could claim my card was stolen, get my money back and nobody’s checking the CCTV?

Interesting….



;)
Click to expand...
she went into the bank to sort it out .If i try and send money to people its war and peace over the app . she was asking how they managed to spend so much money without being stopped ."oh there very good these days they find ways round it " it was just one of those things for the bank don't know if they contacted the police or not in truth we where just happy to get the money back. never heard anything since
 
Happened to me. The bank (who, to be fair, were brilliant) reckoned that they’d hacked my card on a dodgy card reader in a shop/bar.
They were sneaky bastards though. Two days prior to “using” my card, they paid an innocuous sum into my account (about £2) which I didn’t notice and that got them past the first line of online banking security (“can you tell me about a recent transaction”), but thankfully Santander have several follow on questions that they didn’t know the answers to.

The first I knew of it was my cards and online banking were frozen. Bit of a pain to sort out but much more preferable than the alternative.

My solution? I now pay ONLY on Apple Pay on my debit card as that is more secure that tap and go.

It’s a nightmare but good banks will stop the issue before it gets too far gone. Most of the time.

Good luck.
 
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