Recent Card Fraud

Oct 06, 2004 6 Replies

Has anyone else experienced card fraud recently.



In the last month, both myself and my girlfriend have had a number of bugus transactions appear on our accounts: beneficial bank card account and bank account respectively.



In my case there are 3 transactions that I have noticed to date - all through a local restaurant. Amounts are in the region of £50 all with .50 p tagged on I assume "to make them look believable". Im out by about £150 but the restaurant concerned have no record of the transactions. They say it's something to do with a fraud being committed by the streamline provider that they use to process their card transactions. They also say it's not an isolated incident, there are about 10 other customers complaining so far. They have kindly put through a credit to my card account. I am obviously also taking this up with the bank too.



My girlfriend has a worse problem amounting to hundreds of pounds. In her case she doesn't even recognise the companies that the transactions purport to come from. Again the amounts are in the region of £50 each. The bank are being singularly unhelpful and recommended that the matter is referred to the police. Who knows how long it could take to get the money back...



It's kind of looking to me like an inside job rather than simple skimming - as if someone has access to the records of posted transactions and is managing to electronically submit thier own transactions.



Scary thought!!


Best to report this to the Card Company and also the police...

They take this very seriously.

This does not make sense! If the restaurant say it's fraud by a third party then why on earth are they themselves offering a refund??!! I reckon it's a staff member who's keyed in your card number manually, and taken cash out of the till so the books balance.

At least with a credit card you are not personally out of pocket. Make sure the bank freeze any disputed sums so you do not get charged interest or "late payment" fees.

Ask the credit card company for a copy of the signed vouchers for the amounts in question. When they don't supply them, they will have to charge it back.

Does anyone know what the time limit for doing this is?

I have a probem with a foreign travel agent who charged me about a hundred quid too much on hotel rooms earlier this year. They actually promised (in an email) to refund most of that on the basis of my query of the first charges but they didn't. They have my signature only on the first charge. Subsequent seven or eight bookings-charges were arranged by email.

David. 1keytools.

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It's likely that the CC Company will just refer you back to the retailer who should hold signed vouchers for a reasonable time

"Jeremy Goff" wrote

... to which you reply:- "I don't have a contract with the retailer; I have a contract with you (CC company) - which you are breaching by charging me for transactions that I haven't authorised. Charge it back NOW!!"

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