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Originally Posted by Chris T
Hooray for online banking from me too. While this discussion has been ongoing, Mrs T has had her debit card refused at B&Q ... she came home to find a letter from Barclays warning of unusual transactions and advising that the card is suspended. I was able to check immediately and see where and when the amounts debited had been spent. Indeed they were dodgy - so Mrs T just phoned Barclays and a very nice lady explained what we had to do to get the money back.
She sends us a form, we detail the fraudulent transactions, we sign (in blood!), we get reimbursed. And because we can do that by referring to our balance online, instead of having to wait for a statement, we hopefully get our money back rather quicker.
She told us that the card has been 'used' (unsuccessfully, thank goodness) half a dozen times since it was suspended, in the West Herts/Northwest London area. Apparently what's likely to have happened is when Mrs T paid for something in a shop, some unscrupulous shop assistant took a second swipe of the card. How they managed to then use that without actually having the card in their hands is beyond me.
We're going to get it back, but I didn't need £200-odd to go missing from my current account right now!
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I had a similar experience of "card suspended because of possible compromise" a week or so ago - but unfortunately I could not check my HSBC Mastercard transactions on-line because it is a Business card. For some reason HSBC has never been able to explain properly you cannot have on-line access to a Business Mastercard
. Never mind. I just cancelled the Business Mastercard and opened a second private Matercard account that I will use only for Business. The only difference is that the card is no longer embossed with the name of my sole-trader business.