Credit Card Account Stolen!!

Bradders75 said:
I've just switched to Santander's 1-2-3 current account. The second time I logged onto the online banking service at the weekend, a text message was immediately sent to my phone asking to confirm that £8922 was to be transferred to an account I have nothing to do with. Rang the bank to be told that I was the victim of a 'man-in-the-browser' attack and my account was immediately frozen. The use of 'One Time Passcodes' sent to your mobile are a useful defence but the lady on the phone said it was amazing how many people don't read the full texts and just mindlessly enter the code...
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I like the way they tell you that you were the victim when it was the banks system that was accessed illegally and thier money stolen.....

BTW. run a virus scan and a good one at that.
 
Had call from Tesco Bank Mastercard very recently to check recent purchase details. An amount of £3.29 had been charged from some so called charity donation designated as BB with an American phone number according to Tesco. I did Google the number out of interest and it confirmed scamming activity disguised as charitable donations.
When I asked why Tesco were suspicious, the reply was that ANY charitable donations are looked at as they are a common source of scams. Usually a small amount to start with and then bigger when successful.
My card was blocked and a new one issued.
I had made some internet purchases in the previous weeks ironically Z4 related, but only via Paypal and Amazon so my credit card number was not actually exposed.
How the card was compromised is not at all clear. I now check fine details of card expenditure regularly.
There have of course been well documented thefts of large volumes of credit card details from supposedly secure servers very recently so we should perhaps not be surprised to find ourselves on the receiving end of such scams.
 
Sketchley said:
Bradders75 said:
I've just switched to Santander's 1-2-3 current account. The second time I logged onto the online banking service at the weekend, a text message was immediately sent to my phone asking to confirm that £8922 was to be transferred to an account I have nothing to do with. Rang the bank to be told that I was the victim of a 'man-in-the-browser' attack and my account was immediately frozen. The use of 'One Time Passcodes' sent to your mobile are a useful defence but the lady on the phone said it was amazing how many people don't read the full texts and just mindlessly enter the code...
Click to expand...

I like the way they tell you that you were the victim when it was the banks system that was accessed illegally and thier money stolen.....

BTW. run a virus scan and a good one at that.
Click to expand...

It was my computer was infected, so I was the intended 'victim' of the attack. I'd managed to pick up the Zeus trojan (worth a Google) which has now been removed. No money was stolen thanks to the use of mobile phone OTPs.
 
Bradders75 said:
Sketchley said:
Bradders75 said:
I've just switched to Santander's 1-2-3 current account. The second time I logged onto the online banking service at the weekend, a text message was immediately sent to my phone asking to confirm that £8922 was to be transferred to an account I have nothing to do with. Rang the bank to be told that I was the victim of a 'man-in-the-browser' attack and my account was immediately frozen. The use of 'One Time Passcodes' sent to your mobile are a useful defence but the lady on the phone said it was amazing how many people don't read the full texts and just mindlessly enter the code...
Click to expand...

I like the way they tell you that you were the victim when it was the banks system that was accessed illegally and thier money stolen.....

BTW. run a virus scan and a good one at that.
Click to expand...

It was my computer was infected, so I was the intended 'victim' of the attack. I'd managed to pick up the Zeus trojan (worth a Google) which has now been removed. No money was stolen thanks to the use of mobile phone OTPs.
Click to expand...

I guess you could argue your system was infected so you are victim there. But it's was the banks system that was compremised, well actually it wasn't due to the mobile phone OTPs. So there you go.
 
Have to point out that the CC's fraud departments can get too trigger happy. A couple of years ago, I was getting automated calls and stopped transactions with Barclaycard every month because of suspicious activity. The activities in question were a monthly transaction in Switzerland (for 1899 - cheap phone calls) and a monthly Amazon (US) charge for my cloud storage. EVERY SINGLE MONTH for a year, I had to explain what these transactions were and not once were they able to prevent the same thing happening again. In the end, I stopped using the card.

And then there was the time my card was blocked when I tried to hire a car in Canada despite me telling them I was going there. Very embarrassing.
 
On EVERY Credit / Debit card I own, the 3 digits on the reverse are gouged out into the plastic itself leaving no trace.

This way, even if your card gets scanned, they will never have the 3 reverse digits you have memorized so can't order anything...

I've suggested making the 3 digits on the reverse as a removable sticker many years ago... to silence
 
Stark said:
Barclaycard always insisted on you telling them when you went away, so how they let this happen I will never know.
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This has been changed recently as I found out when I tried to let them know I was going away last month. Now a message says it is no longer necessary to inform them when going abroad.
 
Jembo said:
On EVERY Credit / Debit card I own, the 3 digits on the reverse are gouged out into the plastic itself leaving no trace.

This way, even if your card gets scanned, they will never have the 3 reverse digits you have memorized so can't order anything...

I've suggested making the 3 digits on the reverse as a removable sticker many years ago... to silence
Click to expand...

So you memorise the three digits for every card then ?
 
Bing said:
Jembo said:
On EVERY Credit / Debit card I own, the 3 digits on the reverse are gouged out into the plastic itself leaving no trace.

This way, even if your card gets scanned, they will never have the 3 reverse digits you have memorized so can't order anything...

I've suggested making the 3 digits on the reverse as a removable sticker many years ago... to silence
Click to expand...

So you memorise the three digits for every card then ?
Click to expand...

Don't be so ridiculous, there is no way the average Joe would remember that. So you should adapt the system my dad uses for his PIN numbers.

He writes them on a piece of paper and keeps it in his wallet. So he never needs to worry about forgetting!!!!!

Simples!!!!
 
:rofl:

I have never done that.

:oops:

Not any more though... Best way is just to make them all the same PIN :P
 
kevinmarkwhite said:
Don't be so ridiculous, there is no way the average Joe would remember that. So you should adapt the system my dad uses for his PIN numbers.

He writes them on a piece of paper and keeps it in his wallet. So he never needs to worry about forgetting!!!!!

Simples!!!!
Click to expand...

Isn't that what everyone does???

Security 101 surely?!?!?!

It's just like people taking their car keys upstairs with them at night.... :rofl:

:thumbsup:
 
For a bit more security try installing Rapport. It's free and will work on any page. Very easy to use.

http://www.santander.co.uk/csgs/Satellite?appID=abbey.internet.Abbeycom&cid=1237875821079&leng=en_GB&pagename=Abbeycom%2FPage%2FWC_ACOM_TemplateA2

You don't need to have a Santander account.
 
Gargybloke said:
For a bit more security try installing Rapport. It's free and will work on any page. Very easy to use.

http://www.santander.co.uk/csgs/Satellite?appID=abbey.internet.Abbeycom&cid=1237875821079&leng=en_GB&pagename=Abbeycom%2FPage%2FWC_ACOM_TemplateA2

You don't need to have a Santander account.
Click to expand...

Beware.....I know a few people who have had problems SINCE installing Rapport. Probably unrelated, but its ironic.
 
Rapport has been known to cause technical issues with PC's so be careful with it. A mix of good anti virus and malware software will achieve the same thing.
 
well ive been told i need to complete and sign a form to say it wasnt me! slightly worried about the late payment charge as does this not effect your credit rating? i work in banking and part of my contract is that my credit file be checked regualy!
 
Your credit rating shouldn't be affected. You can always put that question in writing when you send in the form for confirmation
 
It's not just credit cards these days either... a few months ago my Paypal was hacked. First I knew of it was an email receipt for £750 worth of festival tickets in Canada! My Paypal account had been used for the purchase... the worst thing about it was that my default payment method on Paypal was my current account so the money came straight out of there. Paypal agreed it was fraudulent pretty quickly but took around 10 days for the money to be returned to my current account... luckily it was just after payday so there was some cash in there. Not sure Paypal would have sorted the overdraft bank charges if i'd had received any.

My Paypal now requires about 15 login steps (i'm sure one includes a DNA sample)... so I've just stopped using it now as not happy with the fear of it happening again!
 
Nova2k7 said:
well ive been told i need to complete and sign a form to say it wasnt me! slightly worried about the late payment charge as does this not effect your credit rating? i work in banking and part of my contract is that my credit file be checked regualy!
Click to expand...

I work in finance too and have similar checks on a regular basis. Make sure you tell Barclays, and get assurance that your credit record hasn't been affected. Worth using a free trial to check it out also - for your own peace of mind


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