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Author Topic: The angry thread  (Read 432356 times)

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Offline daffy

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Re: The angry thread
« Reply #5910 on: January 17, 2019, 04:45:23 PM »
 :veryangry:

Just spent two hours sorting out yet another case of Card Fraud involving our joint MasterCards. This is the fourth time one or other of our cards has been used fraudulently, and each time of course we get any stolen amounts credited back and the cards get replaced.

This time some nice person  :no: used 5 different iTunes accounts to Ďtestí the details they had obtained about my card to buy 5 separate music downloads of 99p each. They did this just before Christmas, then another zero amount action with another company at the end of the year. At least this time they didnít buy airline tickets, holidays, or expensive items like on previous occasions.

The maddening thing is that we are both extremely fastidious about financial and personal security, so getting card details taken by criminals is a mystery.
Iíve spoken at length each time to the MasterCard fraud teams, and they tell me it is practically impossible for us to prevent it happening, and finding out the Ďhowí and Ďwhy usí is pointless, as even they cant give a definitive answer. All they can say is that it pays to be fastidious, as we most certainly are, and to closely monitor the account and notify anything that appears suspicious involving a transaction to them as soon as possible. Happily we have always done a regular monthly accounting of all our monies, and statements we receive are immediately checked over as a matter of routine.

Okay, so we donít lose financially in the long run - except that somewhere along the line all these fraudulent uses have to be paid for by us all in some way - but I just lost the middle of my day to calling the card issuers (twice) and Apple to sort this out, and now have to wait, probably until next Tuesday or maybe later, for the replacement cards to be delivered. Thankfully we both can use other cards, debit or credit, to cover any transactions in the interim, but all in all it still leaves a bad taste in the mouth and is a right royal pain in the howís-your-father.

Okay, rant over. Until the next time some  :censored: uses my card as a source for their pleasures. :veryangry:

Addendum: we have come up with one way to prevent this kind of problem bothering us again. Cancel all our credit cards! :D
Mike

Sufferin' succotash!

Offline daffy

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Re: The angry thread
« Reply #5911 on: January 17, 2019, 04:54:05 PM »
And they will then send you a cheque (2nd class) which then takes 5 working days to clear.

Thatís if the wonderful Royal Mail donít lose it. :doh:

Sorry Mick. Iím sure itíll arrive okay, and then youíll have the pleasure of eating again. :D
Mike

Sufferin' succotash!

Online port perran

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Re: The angry thread
« Reply #5912 on: January 17, 2019, 05:08:33 PM »
What is annoying is that if you are late paying they charge you interest.
I had a long protracted argument with HMRC when I retired (I was self lemployed).
Itís too complicated to go through in detail here but quickly it related to payments on account. I wanted to spread my final tax payment over two instalments (July and January) as I would have done whilst still working.
I chose to complete my final years return early (in April rather than wait tilll December as I usually would).
That triggered them to demand my final payment in the July rather than 50% in July and 50% the following January.
Even the several people I spoke to at HMRC admitted that it was unfair and seemed  to be a glitch in the system.  If I had delayed my return till August then I would have been able to pay in 2 instalments.
Needless to say, however, I had to pay up so I lost out on 6 months interest on the money I could have saved.
Grrrrr.
If it looks right then it most probably is right.


Offline Newportnobby

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Re: The angry thread
« Reply #5913 on: January 17, 2019, 09:40:00 PM »
HMRC seem to be the only people who, if you are in the wrong, you have to pay and, if they are in the wrong, you still have to pay ::) I spent years in Customer Service and never shied away from people on the blower etc getting angry, sarcastic, abusive etc. If you can't stand the heat then get out of the kitchen.

Mike's @daffy tale is very distressing in that there seems no way of preventing it all happening again. I've only ever had my credit card fraudulently used once and that was after some tea leaf walked through the company gatehouse, past reception, through the factory, into the offices and stole my wallet from my jacket (Security. What Security??). :unimpressed:
NatWest bank tried to wriggle out of any responsibility, stating I must have been complicit, and it took months before everything was sorted in my favour. :veryangry2:

Offline daffy

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Re: The angry thread
« Reply #5914 on: January 17, 2019, 10:32:21 PM »
Thankfully the systems the Credit Card companies employ these days are very good at spotting fraud. The first three times our cards were used by perps it was them that spotted it and contacted us.

As for High Street Banks (if they still have a High Street Bank where you live) , I learnt my lesson at a young age. I was a student, recently married and all but broke, living in Birmingham. Lloyds was my Bank, and I had a zero overdraft facility. One day, my student grant (they used to pay us to go to Uni in those days - well, sort of) was a couple of days late going in to the account, due to a clerical error of the grant issuers. Our account went £27.00 overdrawn.
I got a letter within two days asking me and my wife, with no details given as to the why, to call in at the branch in New Street.

Innocently and unknowingly we entered the Managerís office. He locked the door! We were then subjected to a tirade about financial carelessness, foolhardiness, and theft - yes, he used that word - despite the fact that between the letter being sent and us attending, the grant had been paid in, and my wifeís pay had been paid in too by her employers, either of which easily cleared the overdraft.
Protestations from us were summarily and angrily dismissed, and we were left feeling like criminals, and convinced the guy was a moron.

But, thanks to that Bank Manager, I learned my lesson about banks, bankers, and banking.

Not the one he probably thought heíd taught. ;)

Mike

Sufferin' succotash!

Offline The Q

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Re: The angry thread
« Reply #5915 on: January 18, 2019, 09:56:07 AM »
I've twice had a halifax card diverted, the second time IIRC to a  Cafe in  Leytonstone. Both times the first thing I knew about it was when My card was refused at a shop.
On both occasions they told me I had changed my details to the new address online. To which I replied I don't have online accounting...
After which they shut up and very rapidly refunded the money. Personally I believe it was an inside job.

PS.. I still don't have online accounting, however it is getting very difficult with all these branches closing, there is one branch I can still use 10 miles away on my way home from work, if that closes it will have to be a special 50 mile round trip to find a branch in Norwich. (and they've closed most of them too..)

PPS I never use my bank account card online...
« Last Edit: January 18, 2019, 09:57:33 AM by The Q »

Offline themadhippy

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Re: The angry thread
« Reply #5916 on: January 18, 2019, 04:15:21 PM »
look for the  common  denominator, were do you use that particular card. local garage, restruant, model shop? if its been cloned 4
 times your either very unlucky or some were your using the card  aimt to be trusted
« Last Edit: January 18, 2019, 04:16:37 PM by themadhippy »

Offline daffy

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Re: The angry thread
« Reply #5917 on: January 18, 2019, 05:15:10 PM »
look for the  common  denominator, were do you use that particular card. local garage, restruant, model shop? if its been cloned 4
 times your either very unlucky or some were your using the card  aimt to be trusted

Iím afraid it is just not that simple. Both my wife and I - the only card holders - have done checks like you suggest, as of course have the MasterCard fraud team.
As they have pointed out in great detail to my many questions, identifying the origin is, in the vast majority of cases, impossible. Was it the person behind you with an iPhone snapping pics of your card (yes, it happens); was the transaction done on a computer with a virus; was the data held by the company you bought from hacked; did an employee nefariously copy data during a telephone transaction and use it themselves or pass it, for a fee, to others; was a scanner being used to capture card details; was a fake or modified card reader used;  or other methods MasterCard said they are aware of but would not elaborate on.

Unfortunately, using Credit Cards is a part of life now, and to know beforehand whether a sales point is one you can trust absolutely is like knowing the Lotto Jackpot Numbers before they are drawn. We will check out a seller, but just because we might trust, say, Tesco, does that mean we can trust everyone who works for them, or who is in the shop when we are? Of course not.

As to being unlucky, not according to MasterCard fraud team Iíve spoken with on numerous occasions. Card fraud is rife, and statistically, we are no more or less unlucky than the average it seems.

And of course once a fraud is detected, either by the Card companies or by we the unfortunate victims, when such as MasterCard act on that fraud, we get the fraudulent transactions recredited, but, we will never know what actions the card companies then take to identify the fraudsters and recover the losses. And action, they assure me, they do take.

But the good news is that if a fraudster gets hold of your details, though it might be damned inconvenient and a right pain, the system is on your side.
I still have questions for MasterCard, like what would happen if I was on holiday abroad and they had to block my card, but all in all Iím satisfied that my wife and I do all we possibly can to stay secure.

But Iíll still get  :veryangry: and shout at the  :censored: and  :censored: who steal my details next time.
Mike

Sufferin' succotash!

Offline Malc

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Re: The angry thread
« Reply #5918 on: January 19, 2019, 11:50:52 AM »
I had my card blocked by the credit card company because I bought a ticket from Norwegian Airlines. I happened to be working in Norway at the time, a fact that they could have seen from other receipts. Took me 4 days to get it reinstated. The next day they blocked it again because I booked a taxi in Oslo. There is just no telling some folks.
I'm not sure if life is passing me by, or trying to run me over.

Offline Jerry Howlett

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Re: The angry thread
« Reply #5919 on: January 19, 2019, 09:00:24 PM »
My mother's bank card was blocked on a visit to me in Italy.  My sister was with us and phoned the bank to ask why, they explained and so did she. The Banks response was we can only talk to her (Mum) on the phone number that we hold a record for.  Her home number in the UK !!
 Mum did what Mums do, "Don't go making a fuss".  :)    :veryangry: :veryangry: :veryangry:
Some days its just not worth gnawing through the straps.

Offline talisman56

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Re: The angry thread
« Reply #5920 on: January 19, 2019, 09:50:51 PM »
My local station has gone over to phone payment for the car park. There is a machine on the down side, but it has been oos for a long while after some numpty reversed into it...

My bank proceeded to block both my cards when I tried to pay over phone for a day's parking. Fortunately they sent me texts to confirm the attempted transactions and when I replied in the affirmative I was then able to use one of them to pay. What I would have done if I had to get on the train and still not be able to pay I still don't know.

Of course, the staff at the bank branch got the sharp edge of my tongue next time I had cause to enter there...  >:(
« Last Edit: January 19, 2019, 09:52:48 PM by talisman56 »
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