more card scams

[paulyoung666]

this is a heads up for ppl using cash machines , be careful ppl

[punky]

Thanx Paul, but you beat me to it. I've just found out i've been the victim of identify theft.

On sunday night, I drew some money out, and noticed that there was a grey addon over the hole. I didn't think anything of it, and thought it was just something to help stop people swiping your card when you distracted. Anyways, monday night, I saw the bit on ITV news about it. I went to the bank today, and £400 was taken out of my account, with an additional £32 from a Point-Of-Sale (IE shop terminal).

All I had to do was fill out a standard bank form, and take it to the police who fills out another one, and I took it back. It has gone back to Natwest's fraud department, and I should back within 6 weeks. Either i'll get my money back or I will be reported back to police for a fraudulent application

It is a bit of a joke, because I was talking to the copper and I said: "If you check the CCTV for the petrol station (where the POS was done), you should get a picture of him". He said, it is not a criminal matter until the bank says so. He said as its only a small amount of money, they'd rather just pay out and let them get away with it, as it is much less hassle for them.

I'm just hoping that the only got me once, as it is possible they took more money out that today.

F***ers I'm far from rich, but luckily, I still have money left, and caught it quick. I really feel for those who don't notice so quickly, and lose much more. Even if Natwest do give me my money back, it will still be 6 weeks... For some people that wait could be much worse.

EDIT: Im from East London. Chingford to be precise. Anyone from around here needs to check their back account ASAP. It was just a small grey plastic box that was over the hole with a slit for the card. Apparently according to ITV news they also use a black strip box, to monitor the pin # you enter, so be aware for that too.

[paulyoung666]

Originally Posted by punky

Thanx Paul, but you beat me to it. I've just found out i've been the victim of identify theft.

i am sorry to hear this , it really annoys me how ppl who are the victim of crime seem to be looked on as the perp

[punky]

Thanx mate.. You're telling me... Still i've got nothing to hide, so i'm not too worried. I just submitted the form and will have to wait and see. I don't think they'll report me to the police as I have so much evidence against them, but you never know.

More p****d off that the police aren't going for the people without the bank's say-so. The form I filled out was "Form 3035 Credit Chard Fraud Report", which sounds powerful, but it is only an authorisation to get round the data protection act to allow the bank to disclose my bank account details to the police. They wern't interested in a statement of events or anything that might be evidence.

EDIT: Being as how i'm a bit of a guinea pig for this, i'll post my progress as I go along (or at least i'll try to rememember - they say it could take upto 6 weeks to hear back from NatWest fraud department). Has anyone else got caught, that use a different bank? I'd like to hear how they compare.

[punky]

Well, i've got a letter from NatWest. They have recieved my form, and are processing and they are saying I should here back within 14 days. "Computer Automated Transactions" (as opposed to the ones automated without computers?!?) will take 28 days. I'm guessing they mean the Switch POS one.

Incidently, my mum phoned her bank manager to complain about it, and the BM said it's been happening constantly for about 3 years, and she hasn't heard of a request not getting refunded. Also, my mum reported it to the local paper, and apparently, the Woolwich bank in the same street, at the same time got hit too.

[Pierre]

Yikes I heard about this a couple of weeks ago, about people putting card readers over the machine card readers and pin hole cameras so that they can see you putting in your pin. But it all sounded a bit farfetched to me...........Obviously not.

Why are they all imigrants though??????

[punky]

They aren't all immigrants, but they are all major gangs. It just so hap[ens that nowadays the tradition Kray/Richardson gang has died out, and now we have gangs from abroad that are here illegally. Mainly from eastern Europe and Turkey.

[punky]

Well, so far so good. I've just looked at my bank transaction report, and they have credited me the £32.27 I lost via the POS transaction. Not bad considering they said it would take 28 working days, and it only took about 5.

Still waiting on the £400, but so far so good.

Its on the increase still be careful. Link

[Shaun]

I've worked for several banks and its a regular thing unfortunately, you just need to be really careful when you go to the ATM. Ask Bexy, its a real problem for the main banks. I try to use my card on the net and at POS mainly now, its safer!!!!

I's been a problem for many years now, until chip and pin are introduced it wont stop!!!!

[MetaWraith]

The kit to make these "ATM add-ons" and that required to program blank cards is easily available if you know where to look.

For those and other reasons I havent used an ATM in years now, preferring to use cashback facilities in major supermarkets. I make one purchase a month on my 2nd ATM card (separate account fed by direct debit from my main account) at my local ASDA solely to obtain cash . The rest of the month's major purchases are on CC.

As for internet purchases, with credit cards being so easy to obtain here I have a separate card just for internet use sothat if that is compromised it doesnt harm my everyday ones.

[MetaWraith]

Originally Posted by dellwear

I's been a problem for many years now, until chip and pin are introduced it wont stop!!!!

Chip and pin won't stop it. It's all to easy to get somebodies pin by shoulder surfing and watching them tap it in at the supermarket terminals. Heck just this week the woman in front of me took out a piece of paper and read her number off it in plain sight of me.

[Escapee]

Originally Posted by Nidge

Why are they all imigrants though??????

Naughty you.

We are supposed to avoid the obvious or we will all be accused of racism etc.

If you were to get your hands on all the sats about fraud of this sort and the people caught it would be very interesting to survey.

I am very carefull at the cashpoints and dont like anyone standing close to me, I know someone who was caught for a small amount on one of the Cardiff cash points.

[MikeyB]

Originally Posted by MetaWraith

Chip and pin won't stop it. It's all to easy to get somebodies pin by shoulder surfing and watching them tap it in at the supermarket terminals. Heck just this week the woman in front of me took out a piece of paper and read her number off it in plain sight of me.

Yes, my thaughts exactly, I can't see how chip & pin is going to help, I think it will only make it easier for these fraudsters, more opportunities to see someone typing their pin number in.

My Mum & my g/f carry their pin numbers around with them in their bags. My Mum is the worst, getting the little bit of paper out every time she uses a cash machine.

But both mine & my g/f chip & pin never work. Mine just says "please wait..." then "remove card", never asking me for the pin number.
My g/f pin number never works in the little chip & pin machines, but then she can go to the cash machine & use the exact same pin and it's okay.
So we both end up signing for purchases as usual.


I do like MetaWraith idea, use the cashback at the supermarket, think I'll start doing that.