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Card Cloning

I have recently had my bank account cleaned out by someone who I think had cloned my card. This is how I think it happened:

I entered one of my bank's (HSBC) ATM lobby areas found on some high streets. To get into these places you need to swipe your card on a device on the outside, which opens the door. (I think the fraudster had placed a film or device which copies the magnetic strip)

On entering, I suspect I was followed by a someone who got in just before the door closed. (A couple of other people entered as well before the door was closed again).

I believe the bastard who followed me in watched me put my pin number in. And consequently made a clone of my card and used my pin number to thieve my hard earned money.

A colleague of mine has had the same thing happen and I believe this happens too often. And not enough is done by the banks to stop it. The bank and the police are well aware of the scam.

Has anybody else had a similar experience, if so how did you get your money back ?

Reply to
no-spam
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Yes, but the problem is proving it.

Reply to
Chris Blunt

Going from what I've read in the paper this seems to be happening more often now. But at the end of the day is it the system at fault? You can copy a card as many times as you want but if you don't have the PIN number its useless. I think people should be more security concious and not make it easy for people to see what you're punching in on the key pad. I don't believe there is some piece of technology that will stop all this happening, whatever the banks came up with, it would soon be cracked. When you use a cash machine you should be thinking that anybody around you could be watching.

Gav

Reply to
Gav

If the card is also a debit card, as most ATM cards are these days, it's still useful without a PIN. I had a card stolen (not cloned) by an ATM that had been tampered with, and it was used for a whole series of small-ish debit card transactions. You could trace the route taken around the North Circular Road taken by the fraudsters by looking at my statement.

To their credit, First Direct were very good about issuing a replacement card and refunding the money to my account. I hope the original poster has as straightforward a time

Martin

Reply to
Martin Rich

If it is a combined card then yes, thats true you could have a problem, I assumed it was just a cash card. But when the new chip and PIN cards are finally used everywhere, we are back to laying the responsibility on the customer.

Reply to
Gav

If the bank uses your debit/credit card to control access through the door, I would consider all security procedures of this bank highly doubtful.

HSBC, you say?

Reply to
Vadim Borshchev

No, but I use my Tesco Clubcard to get into such places.

Reply to
Jonathan Bryce

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