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Some fukcers cloned my bank card..

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ThePluggedOne
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2007/06/20 18:25:38 (permalink)
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Some fukcers cloned my bank card..

I knew I hadnt spent 100 quid over the weekend on my card and I queried it today as it still wasnt showing up on my statement online. Some cheeky gets used my details for t-mobile topups for 10 quid, then when that worked 20 quid, then after that went in for the kill with a 70 quid topup. if it wasnt for the last one I wouldnt have noticed. Gits.

My ebay account was hacked 3 months ago as well and now Im banned as I refuse to pay the seller charges for stuff I didnt list but Ebay are w4nks and only respond with automated emails (Ive sent at least 30).

Im feeling like a bit of a victim...

Making bad life choices since 1976!
Twitter: @PLUGDIN1
#1

36 Replies Related Threads

    dirtyvest
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    RE: Some fukcers cloned my bank card.. 2007/06/20 18:27:51 (permalink)
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    Happened to my ex an dthey speny about £4k - thankfully she got most (if not all) of it back from the bank.

    If they have used it for top ups then they must be tracable surely

    Limits, like fear, are often just an illusion: MJ 12/9/09
    My journal
    #2
    Trident
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    RE: Some fukcers cloned my bank card.. 2007/06/20 18:38:51 (permalink)
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    There was a program on the other week about this stuff.

    One of the fastest growing crimes apparently and one the banks often whant fcuk all to do with when people make claims of fraud (IE they dont want to pay out). Typical of banks to be like that!

    Proper bast*rd thing to do IMO
    #3
    el_Supremo
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    RE: Some fukcers cloned my bank card.. 2007/06/20 18:44:41 (permalink)
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    ORIGINAL: plug1

    I knew I hadnt spent 100 quid over the weekend on my card and I queried it today as it still wasnt showing up on my statement online. Some cheeky gets used my details for t-mobile topups for 10 quid, then when that worked 20 quid, then after that went in for the kill with a 70 quid topup. if it wasnt for the last one I wouldnt have noticed. Gits.

    My ebay account was hacked 3 months ago as well and now Im banned as I refuse to pay the seller charges for stuff I didnt list but Ebay are w4nks and only respond with automated emails (Ive sent at least 30).

    Im feeling like a bit of a victim...


    that will teach you to leave it lying about after chopping out the lines then eh?
    #4
    paulb
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    RE: Some fukcers cloned my bank card.. 2007/06/20 18:47:26 (permalink)
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    Top up fraud is a majour issue for banks and almost untraceable since the phones are not registered or are stolen. You visited many petrol stations lately since the majority of cloned cards are scanned at them and the details of the card sold to gangs here and abroad.
    post edited by paulb - 2007/06/20 18:48:43
    #5
    Dr Z
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    RE: Some fukcers cloned my bank card.. 2007/06/20 18:51:07 (permalink)
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    ...And the delightful thing is , We live in a country that officially couldn't give a toss ! ( I recently found out !)

    We are the only civilised country in the world ( I believe ) ..where ID theft in itself is NOT A CRIME ! (obviously the individual fraud cases are crimes , but the actual ID theft itself isn't)

    I do not subscribe to conspiricy theories often , but how about this one ?

    We first assumed we had been the victims of ID theft when we got some bills / demands from a company called "WESCOT CREDIT SERVICES " These people were absolute NIGHTMARES to deal with ! Rude , threatening , accusing us of lying etc ....

    So , the next progression is to contact the Credit record people (Experian) - Then we realise the extent of the problems - Either the debt collection company have made a bad trace , and linked us to someone else's ) Mountain of debt OR we are the victims of ID theft - This is plain for us to see - the only way to be sure is to see documents connected to the Original debt (s)

    The companies in question simply continue to insist we are in their debt , and again , demand payment - They then refuse to provide information on the debts ( as they are obliged to by law ) and then have the cheek to say they cannot supply me with this information as I have denied the debts are mine - therefore showing me the agreement would be breaking the Data Protection Act !! but in the meantime they would like me to pay them !!

    Anyway , this is where we thought Experian would help - We are after all , now paying them £6 per month to keep an eye on the record in a realtime basis (called Experian Credit Expert ) - We tell them that the debts are not ours , & we can prove that we have never lived at some of the addresses that they have linked us to ....... what do they do ?

    THEY "ASK" the companies that supplied the information if it is accurate ! ! ,they reply "yes " (and show no proof whatsoever) and Experian are happy with that !! and continue to publish it on my credit file - thats it ! Game over !

    My only option is to write to the "Information Commisioner" - we wrote to him in November and have had no reply yet !!

    Anyway , back to the conspiracy - You'll never guess who owns the company that is chasing these debts / slandering my name ?

    Thats right ! - it is Experian ! the credit people I am paying £6 a month to !

    Fortunately , we managed to get our name cleared through in excess of 200 phone calls and 100+ letters , including a couple to our MP and the Trade Minister
    But the lesson I learned was

    1) Credit companies can put what they like about you in your record - THEY DO NOT NEED TO PROVE ANY OF IT !!

    2) YES , there are laws to protect you , but there is no body or procedures to enforce these laws , if a creditior falls fowl of one of these laws , it is down to you to take him to court to get it put right - I personally could not find a solicitor willing to take a case of this nature on !

    3) If you are a victiim of ID theft , then YOU are the only person that can do anything , you will receive absolutely no help from the government / authorities - some Credit card companies are helping people now - but short of that , you virtually have to become your own solicitor to sort the mess out !

    #6
    ThePluggedOne
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    RE: Some fukcers cloned my bank card.. 2007/06/20 19:14:04 (permalink)
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    ORIGINAL: el_Supremo


    ORIGINAL: plug1

    I knew I hadnt spent 100 quid over the weekend on my card and I queried it today as it still wasnt showing up on my statement online. Some cheeky gets used my details for t-mobile topups for 10 quid, then when that worked 20 quid, then after that went in for the kill with a 70 quid topup. if it wasnt for the last one I wouldnt have noticed. Gits.

    My ebay account was hacked 3 months ago as well and now Im banned as I refuse to pay the seller charges for stuff I didnt list but Ebay are w4nks and only respond with automated emails (Ive sent at least 30).

    Im feeling like a bit of a victim...


    that will teach you to leave it lying about after chopping out the lines then eh?



    Shut up you and stop making out Im a bad person.

    Making bad life choices since 1976!
    Twitter: @PLUGDIN1
    #7
    LMC
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    RE: Some fukcers cloned my bank card.. 2007/06/20 20:59:10 (permalink)
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    ORIGINAL: Dr Zoidberg

    ...And the delightful thing is , We live in a country that officially couldn't give a toss ! ( I recently found out !)
    .
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    3) If you are a victiim of ID theft , then YOU are the only person that can do anything , you will receive absolutely no help from the government / authorities - some Credit card companies are helping people now - but short of that , you virtually have to become your own solicitor to sort the mess out !




    Scary stuff.

    Over the May Bank Holiday my account was emptied on the Friday night. Being a Bank Holiday I couldn't speak to anyone in person and nothing would show up on my account until the following Tuesday so I had no idea what had happened.
    I cancelled my card and had a ****e BH W/E with no money.

    On Tuesday checked my account and the money was back in it. Bank couldn't tell me anything as there were no details of any transactions. Wierd?

    Then last week I got a letter from the bank from their fraud dept with 7 transactions on my account over the bank holiday for flights with a middle eastern airline asking me if any of them were legit.

    I don;t think I've lost any money but this kind of crime is becoming far too commonplace. I've started paying for everything in cash where possible, especially petrol.
    #8
    ThePluggedOne
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    RE: Some fukcers cloned my bank card.. 2007/06/20 22:13:20 (permalink)
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    I suspect a petrol station was involved in this as well.

    Making bad life choices since 1976!
    Twitter: @PLUGDIN1
    #9
    Fat Pete
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    RE: Some fukcers cloned my bank card.. 2007/06/20 22:29:56 (permalink)
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    I've been done a couple of times, once before christmas and again about eighteen months before that. My card has been used to pay a fine at Bolton magistrates court. But no-one cares. The bottom line is that if they don't spend too much, say less than a grand, it's cheaper for the credit card company to re-imburse you and write it off than it is for them to actually investigate and find out who and how it is done.

    So anyone who wants say a new washing machine for 500 dabs, simply use a mates mates card and when he gets the bill simply say it was nowt to do with him. You get a new washer and he doesn't have to pay. You will never get caught as it is only 500 quid and so for cost reasons no-one will ever investigate. If your mates mate doesn't report it to Plod the bank won't.

    Whoever said crime doesn't pay obviously didn't have a credit card.

    As far as I know, forgiveness is for the benefit of the person doing the forgiving, not the one being forgiven
    #10
    ginasmg
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    RE: Some fukcers cloned my bank card.. 2007/06/20 22:36:01 (permalink)
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    sory to hear this mate,surley they can trace where the money was spent,and if you can prove you wernt there at the time,they should reinburse your losses?
    #11
    makaveli1971 1996
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    RE: Some fukcers cloned my bank card.. 2007/06/20 22:38:02 (permalink)
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    ORIGINAL: el_Supremo


    ORIGINAL: plug1

    I knew I hadnt spent 100 quid over the weekend on my card and I queried it today as it still wasnt showing up on my statement online. Some cheeky gets used my details for t-mobile topups for 10 quid, then when that worked 20 quid, then after that went in for the kill with a 70 quid topup. if it wasnt for the last one I wouldnt have noticed. Gits.

    My ebay account was hacked 3 months ago as well and now Im banned as I refuse to pay the seller charges for stuff I didnt list but Ebay are w4nks and only respond with automated emails (Ive sent at least 30).

    Im feeling like a bit of a victim...


    that will teach you to leave it lying about after chopping out the lines then eh?



    haha LOL
    #12
    Willie
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    RE: Some fukcers cloned my bank card.. 2007/06/20 22:41:41 (permalink)
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    ORIGINAL: Dr Zoidberg
    "WESCOT CREDIT SERVICES "


    I had an interview with them a few weeks ago, got offered the job but didn't take it - moron count seemed far too high in the call centre.

    All I need is a big gun and a coupe that's crazy quick...
    #13
    CoNs
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    RE: Some fukcers cloned my bank card.. 2007/06/20 22:49:54 (permalink)
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    happened to me a couple weeks ago

    come home and find 2 transactions on paypal.. one for £165 and the other for £380

    to some blinged out rapper style shop in US, so i phone paypal, "are you sure you never bought anything from them?" , i tell them i am postive as i dont need "gold teeth with encrusted diamonds!" LOL

    and it turns out i had £800 in my account

    i took £300 out day before, and my gym membership came off same day

    so my bank went into overdraft and started failing payments

    get a letter from Bank, i have incurred 2 charges, one for £49.50 and the other for £11 which will come out automatically in 2 days, so i contact paypal and they advise me it was a fraudulent payment so they have refunded me, but

    it takes 30days, so my bank trys to take thier payment 2 days later, and send me another fcuking email telling me i have incureed another charge of £49.50

    so in one day i went from £800 to -£300 and then the people who want to help me, tell me i am due them £99

    i have since been reimburshed for all the cash except the bank charges, which is abs shocking considering i am the victim of fraud

    nothing like customer service

    shower of absolute w@nkers!!
    #14
    Dr Z
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    RE: Some fukcers cloned my bank card.. 2007/06/20 22:56:36 (permalink)
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    ORIGINAL: Willie


    ORIGINAL: Dr Zoidberg
    "WESCOT CREDIT SERVICES "


    I had an interview with them a few weeks ago, got offered the job but didn't take it - moron count seemed far too high in the call centre.




    Doesn't surprise me mate !

    All the staff I spoke to were abusive and threatening - It seems that abuse is the company line here
    Imagine how wound up I got ? These were debts that were ABSOLUTELY NOTHING to do with me or my wife , yet they would make comments like "You've got yourself into this , If people like you paid your bills then it would make our job a lot easier " and " Listen, I hear people trying to lie their way out of their debts every day , if you want to lie to someone lie to the debt collector you'll be meeting wiithin the next few days "

    Search on the web and you'll find "Happy" Wescott customers all over the place !
    #15
    Dan Nukem
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    RE: Some fukcers cloned my bank card.. 2007/06/21 02:56:52 (permalink)
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    Freaky stuff.

    How do they clone your card? Is there a way to tell if its being cloned?

    What about the new chip and pin, don't they have any effect?

    I reckon I might start using cash at the petrol station from now on cause I nearly always using a card as it saves having to ask them for the fuel receipt.
    #16
    Yib
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    RE: Some fukcers cloned my bank card.. 2007/06/21 03:06:16 (permalink)
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    Chip and Pin doesn't always matter. Cards can be cloned easily if the person has the equipment.. only takes a few seconds to get the details off the strip.

    At the bank for example, there are times where the account details don't match what's on the card, because of the info on the strip. If the cashier doesn't notice the difference then they can withdraw up to a certain amount of money no probs.

    #17
    ThePluggedOne
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    RE: Some fukcers cloned my bank card.. 2007/06/21 07:34:13 (permalink)
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    Chip and pin doesnt come into it if yu are ordering stuff over the phone remember...

    ..also the bank did say I would get the money back but it might take 10 days.

    Making bad life choices since 1976!
    Twitter: @PLUGDIN1
    #18
    Dr Z
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    RE: Some fukcers cloned my bank card.. 2007/06/21 09:03:56 (permalink)
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    ORIGINAL: plug1


    ..also the bank did say I would get the money back but it might take 10 days.


    Yeah , you probably will , (Good luck) Banks and CC companies are pretty good with this , in fact anyone who is looking to do ongoing business with you will probably be quite helpful -it is when you ID is used to set up illegitimate accounts that you get the problems

    #19
    knoxville
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    RE: Some fukcers cloned my bank card.. 2007/06/21 09:40:46 (permalink)
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    Just last night on news night,they were saying that the banks have stopped reporting all fraud on accounts to police and that relaised a statement sayign they would not pursue any reoprted cases anyway,which decrimanlises credit card fraud

    Some women from the banks APEX made a statement that ,in the Uk the police and goverment dont bother acting ,so we stopped reporting when its was found the police figures for C/C fraud are only 5% Of the actual,therefore they stopped wasting time reporting it
    Now police blame the banks and the banks blame the police
    #20
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