Credit card Fraud

Dunno - there's a few similar queries out there via Google. The credit card company must be able to find out, so do whatever it takes to get them to give you the details, then report it to the police.

Daytona

Cheers, did do last time it happened with my debit card, Surrey Mirror ran a big story on it, silence from BP, "we can't comment as there's a police investigation going on" same response from my bank. Asked the police a few times for a progress report, never got one, but will report it when I get the full details.

CARLIOL SQUARGBR. Isn't that the address that appears on statements from BT?

Hi Eric, not sure, will look into it further myself.

Yep...

Openreach Newsites Newcastle Central Telephone Exchange Carliol Square NEWCASTLE NE1 1 BB

Mystery solved (partially!)

In message , andy writes

We've been here before; you are not the victim of a fraud because no criminal deception has been practised upon you.

That being the case, why would you expect the police or anyone else to share with you the details of a fraud investigation concerning another party?

Okay, money was taken directly from my bank account, what was I the victim of?

Money was taken directly from my bank account, without me authorising it, I wanted to know how it happened.

"andy" wrote

You were not the victim. The bank was the victim.

"andy" wrote

You need to ask your bank, not the police.

My bank wouldn't say anything about it.

In message , andy writes

When you queried the transaction(s), what was your bank's response? Has the money been refunded to your account?

In message , Tim writes

No, the bank was not the victim because no criminal act was perpetrated upon the bank.

The victim of fraud was the business that was deceived into accepting either a forged debit card or false information, given by a person, and in return supplied goods or services as a consequence of a deception.

On a point of law, however, the bank might be the victim of *theft* if a forged debit card were used successfully at an ATM to draw cash, because machines cannot be deceived so the offence reverts to simple theft.

My card was cancelled, I was sent a form to fill in asking me which transactions I disputed. The money was refunded approx 2 weeks later.

I did ask the bank once for information on how this might of happened, at my local petrol station, but they said they couldn't say anything because of the police investigation.

Petrol station in question has since had covers fitted over the keypad device, to provide better shielding when typing in a PIN. There were suspicions cameras were being used to record PINs, in the local media.

Ok, I wasn't the victim then, just not able to pay for purchases with my debit card until I got a new one and worried about getting the money refunded before my direct debits went through and sent me into the red.

Mostly use my credit card now, only place I use my debit card is my Sainsburys as I can get cashback at the same time. Pay for my petrol using my credit card now, to avoid it coming straight out of my bank account, or use cash.

In message , andy writes

In summary, therefore, you have not suffered a financial loss and you are not the victim of a criminal act.

Are there merchants accepting card details for payment, when they have not been given the CVV ?

In message , andy writes

Sorry, I don't know. I was merely trying to cover all possibilities; the key being that a person has to proffer the token or the information thereby purporting to be in authorised possession (which to my mind is the actual act of deception).

Yep, realised that was what you were saying.

I did see one website once that didn't require the CVV, I'd never use such a website and if they don't require it (bearing in mind whatever the legal requirement is to require it) then I'd have no sympathy with them.

"Dave N" wrote

That's only true if the bank can reverse the original transaction with the merchant. If not, the bank stands the loss and hence is the victim.

in message , Tim writes

You are mistaken. In the circumstances, there has been no deception practised upon the bank by anybody and therefore no criminal act of fraud has been perpetrated upon the bank. How many times must I repeat that before you can grasp the point? Can you not identify for yourself where the "actus reus" has occurred?

Standing a loss is not synonymous with being the victim of a crime (see insurance industry).