[Closed] Credit Card Fraud

The weakest link is always the bloody humans.

For an explanation of why, PP Gift me £50.

Quite scary how sophisticated it was:

Honestly, it sounds quite basic. The guy just pressed play on a sound file/dictaphone etc. What is quite scary is how alarm bells didn't ring when they sent a car round to pick up the card.

I know hindsight is a wonderful thing, but c'mon, guy!

Same scam has been in other articles before. Might have even been on here before.

If the bank calls me they'll leave a message on the answer phone. I don't call back, but call the number on the back of the card, regardless, and usually from a different phone. Bank will never want the cards returned, but instruct you to destroy them.

Gullible people are gullible (even if they think they're tech savvy)

For an explanation of why, PP Gift me £50.

Done.

As for the call: well, credit where it's due, it's pretty clever. If you call a landline it's up to you to end the call. If the other person, the person who receives the call, puts down the receiver, it doesn't hang up, meaning that when I attempted to hang up to go and find my bank card, the fraudster was still on the other end, waiting for me to pick up the phone and call "the bank". As I did this, he played a dial tone down the line, and then a ring tone, making me think it was a normal call.

That doesn't make any sense, the person at the other end can't block you from hanging up.

Done.

Yes. You have been.

*puts deposit on new yacht*

That doesn't make any sense, the person at the other end can't block you from hanging up.

Yes they can if they called you. The line remains active until the caller hangs up.

Honestly, it sounds quite basic. The guy just pressed play on a sound file/dictaphone etc. What is quite scary is how alarm bells didn't ring when they sent a car round to pick up the card.

It's the level they went to targeting one individual, getting home phone number, address etc.

Compared with just cloning cards at a cash point and using a camera to get your PIN, this is pretty upmarket.

That doesn't make any sense, the person at the other end can't block you from hanging up.

On a landline they can...

S'alright Ben, if Jamie has you over, Cambs to Pbog is a very short ride even carrying a pick axe handle....

S'alright Ben, if Jamie has you over, Cambs to Pbog is a very short ride even carrying a pick axe handle....

It's OK, he phoned me and asked for £500 so I can get my £50 back. So I sent it and am waiting.....

It's OK, he phoned me and asked for £500 so I can get my £50 back. So I sent it and am waiting.....

Pleasure doing business with you [s]SUCKER![/s], Good Sir.

That doesn't make any sense, the person at the other end can't block you from hanging up.

No, they're relying on you hanging up.

First they ring you. Tell you about the 'fraud', tell you to ring your bank, then say goodbye and you hang up. They stay on the line, which holds it open; on a land line, only the person making the call can actually hang up and terminate it.

You then pick up the phone, hear the recorded dial-tone the fraudster is playing down the line, and start dialling. The fraudster then "rings" and "answers," but they've been there all along.

You then pick up the phone, hear the recorded dial-tone the fraudster is playing down the line, and start dialling. The fraudster then "rings" and "answers," but they've been there all along.

Given the general state of panic you'd be in when they call you to tell you your card has been defrauded, I can see how easily it will work.

When I was phoned to say my card had been cloned I was checking all my online accounts within minutes to see if anything else had been done. Luckily it was just the one CC and John Lewis picked it up and phoned me.

[i]The fraudster then "rings" and "answers," but they've been there all along...[/i]

[img] [/img]

Jamie - your driver has just collected my credit cards. Glad you offered to help sort everything out.

What!? My [s]associate in criminal crimes[/s] driver has only just left. Gah! It looks like I have been scammed 😡

I bet the same person has had problems with a virus on their computer but luckily MS rang them after spotting it. I'm not sure why when they said "We're sending someone to get your cards" they didn't think hold on there's something not right here why would they want them.

You'll find him at my house, he took my house keys as well so he could check out the security settings on my home computer.

It's easy to go "well, how stupid" but the thing is, these people are getting far more professional and efficient all the time. There's things there which really should have rang alarm bells (entering your PIN into the phone is a real WTF moment) but in the heat of the moment and after just being told you're several thousand pounds down, it's not hard to see how some people would just panic.

The problem really is this,

I like to think I'm a tech-savvy, culturally aware person

I'm sure many, many people think this also. Overconfidence plays right into criminals' hands.

entering your PIN into the phone is a real WTF moment

Barclay's call thing requires you to enter two digits of your online pin into the phone before they put you through (or used to, not used their phone thing for years), so I can see why the scam works.

Two weeks ago, i misplaced my wallet. Panic, cancel cards.
A few days later first replacement card arrived. Two weeks later, no sign of second card so I call card provider. no, not only have they not sent out replacement they haven't even stopped the potentially stolen card.
If this is the level of security, how hard can fraud be?

Experienced similar levels of security by my bank^^
ATM stole my card the night before my 1st every salary was paid in, cos overdraft was on the agreement that salary was paid in to that account. Bank sent replacement card in a NatWest branded envelope to my old address, and sent the PIN in a NatWest branded envelope to my old house. Both via normal mail, no signature required. Pillocks.