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Well thats me. (fallen Fraud Victim)

Well thats me. (fallen Fraud Victim)

northender0602 said:
All the holidays I lost a few years ago were all refunded and we used a debit card, had no probs getting the money back , used that section 75 think it came under disputed transaction.
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section 75 doesn't apply to debit cards, but sounds like you might have used the chargeback function where the bank can reverse the transactions?
 
noelpne said:
Please can someone tell me which is this 'Greystones' car park- has it an alternative name ?
Click to expand...

Given the Gaelic I’m imagining it’s likely the one in County Wicklow from a quick google. It’s been a common scale though now and has happened in quite a few places
 
While it might seem embarrassing to fall victim to these scumbags, there’s no shame in it. These people are actually professionals at what they do and don’t live by the same moral standards as you and I.

news.sky.com

'They fall in love with me': Inside the fraud factories driving the online scam boom

Based in heavily guarded compounds, these scam centres are spread across South east Asia. Sky News has gone undercover to expose the reality of life inside for thousands of workers who are caught in a criminal web.
news.sky.com news.sky.com
 
I had a phone call on Thursday last week about 9:00pm. They said it was the fraud section of my credit card provider and asked if we had ordered X costing £350 and Y costing £400, they informed me that it had come up on their system given the orders were being made from Aberdeen and they knew we didn’t live up there but before agreeing to allow these orders to go through they needed to check with us in case we were up there on holiday. I told him that I hadn’t made any order to the companies he mentioned so he asked me if my wife had made any orders and I told him know.

He then said he would put a stop on them but to do so he would have to go through my security questions first. He went through them with me and I answered them all. He also said he needed to check what my max spend on that credit card was, how we paid our monthly bill and did we pay a percentage or clear it each month, he said he needed to ask these questions just for security and that I was who I said I was. He then asked about the debit card we use to make payments when clearing the monthly amount e.g. our names on the card, our sort code on the card (he said it begins with 11 which it does), etc. He was very convincing especially when he said ‘you or your wife haven’t just made an order with Z for £3,500 through ARGOS have you?’ I told him we haven’t so he said, ‘whoever is committing this fraud is still trying to buy things so we will also stop this so it doesn’t go through and we will have to cancel your cards to be on the safe side. I’m also going to send you a temporary security number, when it comes through let me know’. About 10 seconds later I received a message from ‘TescoBank’ and he then asked me for the number which I gave him.

He then told me he would have to phone me on Friday, the next day, as he would have further questions to ask, ‘but’ he said ‘now we know this has happened and we have cancelled your card you should now be safe but we will keep a check on this fraud to make sure nothing goes through should they try to buy anything else during the night’. I thanked him for all of his help and said I’d wait to speak to him again.

He phoned me again at about 6:00pm on Friday and went through some security questions with me again. One was ‘what was the make and type of your first car.’ Whilst I could remember the type I couldn’t remember the make of car so he suggested that I change that security question given I wasn’t sure what the make was, he said he would have to phone me again on Saturday morning because the department that would sort out the security questions was now closed, we agreed he would phone me between 10:00 and 11:00am. He then went on to ask me further questions such as ‘when do you normally receive your credit card bill?’ I told him it should be with us anytime now so we may get it on the next day otherwise it’ll be after the bank holiday. He said that when we receive it there may be a few items included that they have cancelled but to go through it thoroughly to check if there is anything included that we hadn’t ordered and make a note and they will try and get the money back on those items. He also said there had been a few more things that the fraudsters had tried to order but they were blocked. He said that over £3,500s worth of orders they had tried to make on our card but they blocked them. After about 40 minutes we said our goodbyes.

There was one thing that I wasn’t sure about and that was his phone number came up as ‘No Caller ID’. The next morning at 9:30 we phoned our credit card company and asked to be put through to the fraud section. We told them what had happened and asked if the phone call was legit or not and they told us that the phone call we had received the last two evening wasn’t from them so I asked them if they had phoned us would a number have come up on our phone or would it be ‘No Caller ID’? They said that a phone number would show, so I then asked if our credit card had been cancelled and they said it hadn’t but it would be now. Because of this we have to waite for our new card to be delivered later this week plus our new PIN number a few days later and the same with our debit card which our bank cancelled after we had contacted them explaining what had happened.

The scammer was so clever and convincing given he knew what to ask and say and given when we phoned the fraud section they asked 95% the same questions it made us think that the person who phoned us initially may have worked in a credit card fraud section themselves in the past. I always try and check who my emails are from if I don’t recognise their email address and if I think it seems a bit iffy I will delete them without opening it. It is getting more and more difficult and the fraudsters are getting more clever and convincing so beware.
 
norfolk white said:
I had a phone call on Thursday last week about 9:00pm. They said it was the fraud section of my credit card provider and asked if we had ordered X costing £350 and Y costing £400, they informed me that it had come up on their system given the orders were being made from Aberdeen and they knew we didn’t live up there but before agreeing to allow these orders to go through they needed to check with us in case we were up there on holiday. I told him that I hadn’t made any order to the companies he mentioned so he asked me if my wife had made any orders and I told him know.

He then said he would put a stop on them but to do so he would have to go through my security questions first. He went through them with me and I answered them all. He also said he needed to check what my max spend on that credit card was, how we paid our monthly bill and did we pay a percentage or clear it each month, he said he needed to ask these questions just for security and that I was who I said I was. He then asked about the debit card we use to make payments when clearing the monthly amount e.g. our names on the card, our sort code on the card (he said it begins with 11 which it does), etc. He was very convincing especially when he said ‘you or your wife haven’t just made an order with Z for £3,500 through ARGOS have you?’ I told him we haven’t so he said, ‘whoever is committing this fraud is still trying to buy things so we will also stop this so it doesn’t go through and we will have to cancel your cards to be on the safe side. I’m also going to send you a temporary security number, when it comes through let me know’. About 10 seconds later I received a message from ‘TescoBank’ and he then asked me for the number which I gave him.

He then told me he would have to phone me on Friday, the next day, as he would have further questions to ask, ‘but’ he said ‘now we know this has happened and we have cancelled your card you should now be safe but we will keep a check on this fraud to make sure nothing goes through should they try to buy anything else during the night’. I thanked him for all of his help and said I’d wait to speak to him again.

He phoned me again at about 6:00pm on Friday and went through some security questions with me again. One was ‘what was the make and type of your first car.’ Whilst I could remember the type I couldn’t remember the make of car so he suggested that I change that security question given I wasn’t sure what the make was, he said he would have to phone me again on Saturday morning because the department that would sort out the security questions was now closed, we agreed he would phone me between 10:00 and 11:00am. He then went on to ask me further questions such as ‘when do you normally receive your credit card bill?’ I told him it should be with us anytime now so we may get it on the next day otherwise it’ll be after the bank holiday. He said that when we receive it there may be a few items included that they have cancelled but to go through it thoroughly to check if there is anything included that we hadn’t ordered and make a note and they will try and get the money back on those items. He also said there had been a few more things that the fraudsters had tried to order but they were blocked. He said that over £3,500s worth of orders they had tried to make on our card but they blocked them. After about 40 minutes we said our goodbyes.

There was one thing that I wasn’t sure about and that was his phone number came up as ‘No Caller ID’. The next morning at 9:30 we phoned our credit card company and asked to be put through to the fraud section. We told them what had happened and asked if the phone call was legit or not and they told us that the phone call we had received the last two evening wasn’t from them so I asked them if they had phoned us would a number have come up on our phone or would it be ‘No Caller ID’? They said that a phone number would show, so I then asked if our credit card had been cancelled and they said it hadn’t but it would be now. Because of this we have to waite for our new card to be delivered later this week plus our new PIN number a few days later and the same with our debit card which our bank cancelled after we had contacted them explaining what had happened.

The scammer was so clever and convincing given he knew what to ask and say and given when we phoned the fraud section they asked 95% the same questions it made us think that the person who phoned us initially may have worked in a credit card fraud section themselves in the past. I always try and check who my emails are from if I don’t recognise their email address and if I think it seems a bit iffy I will delete them without opening it. It is getting more and more difficult and the fraudsters are getting more clever and convincing so beware.
Click to expand...
I’m glad that you double checked with your credit card company and avoided the scammers winning…
 
norfolk white said:
I had a phone call on Thursday last week about 9:00pm. They said it was the fraud section of my credit card provider and asked if we had ordered X costing £350 and Y costing £400, they informed me that it had come up on their system given the orders were being made from Aberdeen and they knew we didn’t live up there but before agreeing to allow these orders to go through they needed to check with us in case we were up there on holiday. I told him that I hadn’t made any order to the companies he mentioned so he asked me if my wife had made any orders and I told him know.

He then said he would put a stop on them but to do so he would have to go through my security questions first. He went through them with me and I answered them all. He also said he needed to check what my max spend on that credit card was, how we paid our monthly bill and did we pay a percentage or clear it each month, he said he needed to ask these questions just for security and that I was who I said I was. He then asked about the debit card we use to make payments when clearing the monthly amount e.g. our names on the card, our sort code on the card (he said it begins with 11 which it does), etc. He was very convincing especially when he said ‘you or your wife haven’t just made an order with Z for £3,500 through ARGOS have you?’ I told him we haven’t so he said, ‘whoever is committing this fraud is still trying to buy things so we will also stop this so it doesn’t go through and we will have to cancel your cards to be on the safe side. I’m also going to send you a temporary security number, when it comes through let me know’. About 10 seconds later I received a message from ‘TescoBank’ and he then asked me for the number which I gave him.

He then told me he would have to phone me on Friday, the next day, as he would have further questions to ask, ‘but’ he said ‘now we know this has happened and we have cancelled your card you should now be safe but we will keep a check on this fraud to make sure nothing goes through should they try to buy anything else during the night’. I thanked him for all of his help and said I’d wait to speak to him again.

He phoned me again at about 6:00pm on Friday and went through some security questions with me again. One was ‘what was the make and type of your first car.’ Whilst I could remember the type I couldn’t remember the make of car so he suggested that I change that security question given I wasn’t sure what the make was, he said he would have to phone me again on Saturday morning because the department that would sort out the security questions was now closed, we agreed he would phone me between 10:00 and 11:00am. He then went on to ask me further questions such as ‘when do you normally receive your credit card bill?’ I told him it should be with us anytime now so we may get it on the next day otherwise it’ll be after the bank holiday. He said that when we receive it there may be a few items included that they have cancelled but to go through it thoroughly to check if there is anything included that we hadn’t ordered and make a note and they will try and get the money back on those items. He also said there had been a few more things that the fraudsters had tried to order but they were blocked. He said that over £3,500s worth of orders they had tried to make on our card but they blocked them. After about 40 minutes we said our goodbyes.

There was one thing that I wasn’t sure about and that was his phone number came up as ‘No Caller ID’. The next morning at 9:30 we phoned our credit card company and asked to be put through to the fraud section. We told them what had happened and asked if the phone call was legit or not and they told us that the phone call we had received the last two evening wasn’t from them so I asked them if they had phoned us would a number have come up on our phone or would it be ‘No Caller ID’? They said that a phone number would show, so I then asked if our credit card had been cancelled and they said it hadn’t but it would be now. Because of this we have to waite for our new card to be delivered later this week plus our new PIN number a few days later and the same with our debit card which our bank cancelled after we had contacted them explaining what had happened.

The scammer was so clever and convincing given he knew what to ask and say and given when we phoned the fraud section they asked 95% the same questions it made us think that the person who phoned us initially may have worked in a credit card fraud section themselves in the past. I always try and check who my emails are from if I don’t recognise their email address and if I think it seems a bit iffy I will delete them without opening it. It is getting more and more difficult and the fraudsters are getting more clever and convincing so beware.
Click to expand...
I personally would say "Thanks for informing me but I'll speak face to face with my bank at 9am tomorrow.

I suspect that the line will suddenly cease.

Then I'd be straight onto my bank via my Banking App after of course checking my Apps transactions 1st.

Keep your wits about you everyone.

Never give a Password out if THEY call you. Banks as far as I'm aware are not allowed to ask over the phone for Passwords.
 
norfolk white said:
I had a phone call on Thursday last week about 9:00pm. They said it was the fraud section of my credit card provider and asked if we had ordered X costing £350 and Y costing £400, they informed me that it had come up on their system given the orders were being made from Aberdeen and they knew we didn’t live up there but before agreeing to allow these orders to go through they needed to check with us in case we were up there on holiday. I told him that I hadn’t made any order to the companies he mentioned so he asked me if my wife had made any orders and I told him know.

He then said he would put a stop on them but to do so he would have to go through my security questions first. He went through them with me and I answered them all. He also said he needed to check what my max spend on that credit card was, how we paid our monthly bill and did we pay a percentage or clear it each month, he said he needed to ask these questions just for security and that I was who I said I was. He then asked about the debit card we use to make payments when clearing the monthly amount e.g. our names on the card, our sort code on the card (he said it begins with 11 which it does), etc. He was very convincing especially when he said ‘you or your wife haven’t just made an order with Z for £3,500 through ARGOS have you?’ I told him we haven’t so he said, ‘whoever is committing this fraud is still trying to buy things so we will also stop this so it doesn’t go through and we will have to cancel your cards to be on the safe side. I’m also going to send you a temporary security number, when it comes through let me know’. About 10 seconds later I received a message from ‘TescoBank’ and he then asked me for the number which I gave him.

He then told me he would have to phone me on Friday, the next day, as he would have further questions to ask, ‘but’ he said ‘now we know this has happened and we have cancelled your card you should now be safe but we will keep a check on this fraud to make sure nothing goes through should they try to buy anything else during the night’. I thanked him for all of his help and said I’d wait to speak to him again.

He phoned me again at about 6:00pm on Friday and went through some security questions with me again. One was ‘what was the make and type of your first car.’ Whilst I could remember the type I couldn’t remember the make of car so he suggested that I change that security question given I wasn’t sure what the make was, he said he would have to phone me again on Saturday morning because the department that would sort out the security questions was now closed, we agreed he would phone me between 10:00 and 11:00am. He then went on to ask me further questions such as ‘when do you normally receive your credit card bill?’ I told him it should be with us anytime now so we may get it on the next day otherwise it’ll be after the bank holiday. He said that when we receive it there may be a few items included that they have cancelled but to go through it thoroughly to check if there is anything included that we hadn’t ordered and make a note and they will try and get the money back on those items. He also said there had been a few more things that the fraudsters had tried to order but they were blocked. He said that over £3,500s worth of orders they had tried to make on our card but they blocked them. After about 40 minutes we said our goodbyes.

There was one thing that I wasn’t sure about and that was his phone number came up as ‘No Caller ID’. The next morning at 9:30 we phoned our credit card company and asked to be put through to the fraud section. We told them what had happened and asked if the phone call was legit or not and they told us that the phone call we had received the last two evening wasn’t from them so I asked them if they had phoned us would a number have come up on our phone or would it be ‘No Caller ID’? They said that a phone number would show, so I then asked if our credit card had been cancelled and they said it hadn’t but it would be now. Because of this we have to waite for our new card to be delivered later this week plus our new PIN number a few days later and the same with our debit card which our bank cancelled after we had contacted them explaining what had happened.

The scammer was so clever and convincing given he knew what to ask and say and given when we phoned the fraud section they asked 95% the same questions it made us think that the person who phoned us initially may have worked in a credit card fraud section themselves in the past. I always try and check who my emails are from if I don’t recognise their email address and if I think it seems a bit iffy I will delete them without opening it. It is getting more and more difficult and the fraudsters are getting more clever and convincing so beware.
Click to expand...


I have a workmate that once had a transaction halted by the bank as his details were being used for a purchase in Time Square ( New York)..... Seems it had been " cloned " whatever that means.............. How the hell does that happen?
 
My Dad went through something similar last year but he was suspect of it early on. They completely gave the game away when they asked how much was in his account!
Quick phone call to First Direct confirmed it was a scam.

You really, really have to keep your wits.
 
Liberation said:
I have a workmate that once had a transaction halted by the bank as his details were being used for a purchase in Time Square ( New York)..... Seems it had been " cloned " whatever that means.............. How the hell does that happen?
Click to expand...
Actually, this was another thing that happened to my Dad - practically the same thing. Thankfully nothing was charged as the bank alerted him but he had to get a new card.
 
I had a similar thing with Tesco Bank a little while ago.
Had a couple of missed calls and a voicemail asking me to call them as there had been a few purchases on my card that they had blocked.
I waited until I got home and called the Tesco fraud line number which was different to that which called me earlier.
As it happened, the initial call was legit but better safe than sorry.
There had been several Domino Pizza orders , a payment to an energy company and payment to some ticket company in Amsterdam of all places.
God knows how they got my details.
 
Liberation said:
I have a workmate that once had a transaction halted by the bank as his details were being used for a purchase in Time Square ( New York)..... Seems it had been " cloned " whatever that means.............. How the hell does that happen?
Click to expand...

Basically, when the databases of large Corporations are hacked, credit card numbers, social insurance numbers, email addresses and passwords end up for sale on the dark web.
 
I had a similar bogus call a few years ago, by a bloke with a strong Indian accent. Got suspicious when I asked him his name and he replied in a strong Indian accent that it was 'Stephen Wilson'. I informed him that this was a very unusual name for someone with an Asian accent.
Told him that I was a police officer, and his call was being recorded, and the phone went dead.
 
norfolk white said:
I had a phone call on Thursday last week about 9:00pm. They said it was the fraud section of my credit card provider and asked if we had ordered X costing £350 and Y costing £400, they informed me that it had come up on their system given the orders were being made from Aberdeen and they knew we didn’t live up there but before agreeing to allow these orders to go through they needed to check with us in case we were up there on holiday. I told him that I hadn’t made any order to the companies he mentioned so he asked me if my wife had made any orders and I told him know.

He then said he would put a stop on them but to do so he would have to go through my security questions first. He went through them with me and I answered them all. He also said he needed to check what my max spend on that credit card was, how we paid our monthly bill and did we pay a percentage or clear it each month, he said he needed to ask these questions just for security and that I was who I said I was. He then asked about the debit card we use to make payments when clearing the monthly amount e.g. our names on the card, our sort code on the card (he said it begins with 11 which it does), etc. He was very convincing especially when he said ‘you or your wife haven’t just made an order with Z for £3,500 through ARGOS have you?’ I told him we haven’t so he said, ‘whoever is committing this fraud is still trying to buy things so we will also stop this so it doesn’t go through and we will have to cancel your cards to be on the safe side. I’m also going to send you a temporary security number, when it comes through let me know’. About 10 seconds later I received a message from ‘TescoBank’ and he then asked me for the number which I gave him.

He then told me he would have to phone me on Friday, the next day, as he would have further questions to ask, ‘but’ he said ‘now we know this has happened and we have cancelled your card you should now be safe but we will keep a check on this fraud to make sure nothing goes through should they try to buy anything else during the night’. I thanked him for all of his help and said I’d wait to speak to him again.

He phoned me again at about 6:00pm on Friday and went through some security questions with me again. One was ‘what was the make and type of your first car.’ Whilst I could remember the type I couldn’t remember the make of car so he suggested that I change that security question given I wasn’t sure what the make was, he said he would have to phone me again on Saturday morning because the department that would sort out the security questions was now closed, we agreed he would phone me between 10:00 and 11:00am. He then went on to ask me further questions such as ‘when do you normally receive your credit card bill?’ I told him it should be with us anytime now so we may get it on the next day otherwise it’ll be after the bank holiday. He said that when we receive it there may be a few items included that they have cancelled but to go through it thoroughly to check if there is anything included that we hadn’t ordered and make a note and they will try and get the money back on those items. He also said there had been a few more things that the fraudsters had tried to order but they were blocked. He said that over £3,500s worth of orders they had tried to make on our card but they blocked them. After about 40 minutes we said our goodbyes.

There was one thing that I wasn’t sure about and that was his phone number came up as ‘No Caller ID’. The next morning at 9:30 we phoned our credit card company and asked to be put through to the fraud section. We told them what had happened and asked if the phone call was legit or not and they told us that the phone call we had received the last two evening wasn’t from them so I asked them if they had phoned us would a number have come up on our phone or would it be ‘No Caller ID’? They said that a phone number would show, so I then asked if our credit card had been cancelled and they said it hadn’t but it would be now. Because of this we have to waite for our new card to be delivered later this week plus our new PIN number a few days later and the same with our debit card which our bank cancelled after we had contacted them explaining what had happened.

The scammer was so clever and convincing given he knew what to ask and say and given when we phoned the fraud section they asked 95% the same questions it made us think that the person who phoned us initially may have worked in a credit card fraud section themselves in the past. I always try and check who my emails are from if I don’t recognise their email address and if I think it seems a bit iffy I will delete them without opening it. It is getting more and more difficult and the fraudsters are getting more clever and convincing so beware.
Click to expand...
Since I got hit, I been extra cautous. I had a call 3 weeks ago, asking me to go through security, they asked my First Pet Name, I said Bird (I always give the wrong answer now). He asked how do I spell it. B I R D he said thank you. I said great your a scammer, he told me to F Off and said he would do my Mum tonight, Nice chap, someone you could become good friends with, if you lived in Hell. I even download an authenticator app for online stuff,. Not many use it, but you can't sign in to some websites without entering the code the app provides. I can see this becoming a widely used service. Hope you not lost anything. They are very clever.
 
Liberation said:
I have a workmate that once had a transaction halted by the bank as his details were being used for a purchase in Time Square ( New York)..... Seems it had been " cloned " whatever that means.............. How the hell does that happen?
Click to expand...
Skimming devices have been around years, used to get fitted to ATMs especially the non bank ones in shops and the like. Likewise when you used to pay a restaurant or a shop and they would swipe the card through. Technically that’s why chip and in came about as they were harder to clone.

Sid Snot said:
Basically, when the databases of large Corporations are hacked, credit card numbers, social insurance numbers, email addresses and passwords end up for sale on the dark web.
Click to expand...
That’s where they are meant to keep things separate or you use a payment provider like JK does here as an example, the payment details aren’t in the database here etc. to make it harder for someone to combine the relevant details. I got caught in the Ticketmaster data leak a few years back, nothing untoward happened but based on their stupidity of what caused it was able to sign up to a action against them and they paid a few hundred quid even to those who hadn’t lost anything as a punishment effectively for being shit with people and their data
 
jakehake said:
Skimming devices have been around years, used to get fitted to ATMs especially the non bank ones in shops and the like. Likewise when you used to pay a restaurant or a shop and they would swipe the card through. Technically that’s why chip and in came about as they were harder to clone.


That’s where they are meant to keep thing
Click to expand...

jakehake said:
s separate or you use a payment provider like JK does here as an example, the payment details aren’t in the database here etc. to make it harder for someone to combine the relevant details. I got caught in the Ticketmaster data leak a few years back, nothing untoward happened but based on their stupidity of what caused it was able to sign up to a action against them and they paid a few hundred quid even to those who hadn’t lost anything as a punishment effectively for being shit with people and their data
Click to expand...

Excellent detail, Jake 👍.
 
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