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Debit card fraud

Tranced

Tranced

Bluelight Crew
Joined
Mar 25, 2003
Messages
10,953
Location
Newcastle, UK
So I was out drinking the other day and lost my HSBC debit card. The last thing I remember was drinking in a pub and paying for drinks in there using the card.

In the past I've always been quite lazy with cancelling the card because I know people can't use it without my pin/address. Or so I thought...

I've just received a call from HSBC saying that somebody tried to put through a £1000 transaction on a rental car, and that they might have somehow put through a £97 transaction on a website I don't think I've heard of (I couldn't quite understand the person in the Indian call centre and it hasn't shown up on my online banking yet).

Any wild conjecture over what could have possibly happened if they don't have my pin/address? Surely my card is useless, but I'd imagine scammers have all kinds of tricks up their sleeves to get around the pin/address problem.

I'm just intrigued to know more than anything.
 
Everything is possible nowadays. Don't think. Suggest you cancel your card immediately and contact them to take away other expenses which is not yours. I know people who had the same problem except they did not loose it. You should cancel asap imo.
 
Erikmen said:
Everything is possible nowadays. Don't think. Suggest you cancel your card immediately and contact them to take away other expenses which is not yours. I know people who had the same problem except they did not loose it. You should cancel asap imo.
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I cancelled it when HSBC called me this morning.

A transaction may have been made, but I won't know for sure until it appears on my online banking.
 
Are you sure you lost it and it wasn't stolen? A guy at work had his card nicked when he was withdrawing cash from an ATM, they saw his pin over his shoulder and went on a massive spending spree.
 
atleast in america theres two ways you can use a debit card... either debit (which requires the pin) or credit (which requires a signature)... and if your using it at an ATM it has to be debit but pretty much anywhere else its either way... that may be the case with your card also... esp if they used it on a website...
 
Hey, let me put your mind at rest.

I recently worked in debit card fraud prevention and here's what I can tell you.

If the card is copied then the magnetic strip details can be used, not the chip. This means that cash machine transactions can only take place overseas in countries which don't use a chip and pin system. With just the card details the can use it online; there's loads of websites that don't require address verification with the card.

You are protected for any fraudulent purchases on your debit card. As long as you can prove that you weren't negligent. Losing your card does not count as negligent unless you keep you pin details written down with your card. For online transactions they will check the IP address (if the website uses click safe) and your spending history, to see if you've used the website before. There are also loads of websites that show up again and again, and are recognised by the fraud team as common fraudulent purchases. The most common are mobile phone top ups because they don't require registration or your pin code.

Speak to the bank's debit card fraud team and explain what happened. When they ask why you didn't report your card stolen, just say you didn't realise because you didn't need to make any purchases. The FSA states that you must be refunded, unless the bank can prove within reason that you have made the purchases or that it wasn't a family member (if it's a family member or someone close to you, they will tell you that it's a civil case and to contact the police). Most banks have a policy of refunding you within 24 working hours of the funds clearing from your account. Usually you will be refunded within a couple of hours if you ring before close of business.

It's going to be an inconvenience but you will be refunded, along with any interest you've lost or charges incurred. The only further problem could be if they've set up any subscriptions or recurring transactions; then you'll have a pain in the arse with their disputes team, who will cancel these transactions (but they will most likely keep popping up for a few months).

Hope it goes smoothly!
 
Report it as soon as possible, and show willingness to work with your bank. Read your Terms and Conditions carefully, but you should only be liable for maximum of £50 in the event of a lost / stolen card being misused.

The problem with it being a debit card is, the money comes straight out of your bank account. At least a credit card has its own separate account. As part of your recovery plan, you will need to extend your overdraft facility temporarily to prevent any legitimate transactions (e.g., standing orders or direct debits) from being declined.
 
Don Luigi said:
Hey, let me put your mind at rest.

I recently worked in debit card fraud prevention and here's what I can tell you.

If the card is copied then the magnetic strip details can be used, not the chip. This means that cash machine transactions can only take place overseas in countries which don't use a chip and pin system. With just the card details the can use it online; there's loads of websites that don't require address verification with the card.

You are protected for any fraudulent purchases on your debit card. As long as you can prove that you weren't negligent. Losing your card does not count as negligent unless you keep you pin details written down with your card. For online transactions they will check the IP address (if the website uses click safe) and your spending history, to see if you've used the website before. There are also loads of websites that show up again and again, and are recognised by the fraud team as common fraudulent purchases. The most common are mobile phone top ups because they don't require registration or your pin code.

Speak to the bank's debit card fraud team and explain what happened. When they ask why you didn't report your card stolen, just say you didn't realise because you didn't need to make any purchases. The FSA states that you must be refunded, unless the bank can prove within reason that you have made the purchases or that it wasn't a family member (if it's a family member or someone close to you, they will tell you that it's a civil case and to contact the police). Most banks have a policy of refunding you within 24 working hours of the funds clearing from your account. Usually you will be refunded within a couple of hours if you ring before close of business.

It's going to be an inconvenience but you will be refunded, along with any interest you've lost or charges incurred. The only further problem could be if they've set up any subscriptions or recurring transactions; then you'll have a pain in the arse with their disputes team, who will cancel these transactions (but they will most likely keep popping up for a few months).

Hope it goes smoothly!
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Cheers for the info.

I've just been informed the following, which is pretty interesting.

Most places, when you use your debit card, don't authorise the payment 'live'. So long as you have the PIN the payment will be accepted and the authorisations batched up for end of day processing. Same for online payments, but you don't need the pin at all for that.
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ponch said:
Are you sure you lost it and it wasn't stolen? A guy at work had his card nicked when he was withdrawing cash from an ATM, they saw his pin over his shoulder and went on a massive spending spree.
Click to expand...

I thought the same thing. It's possible. There are lots of people who sells data
 
^It is quite unlike me to lose something from my pocket, so it is a possibility. Especially if they got the pin. They were trying to rent a car, so fuck knows what might have happened if they did. I imagine it wouldn't have been good though, and I could have been unwittingly embroiled in something dodgy.
 
Yeah mate, I'm not in anyway stressed about it, I know I'll get my money back. I'm just more intrigued than anything. I feel like I came close to being involved in the heist of the century.

felix said:
Plus: long time no see! :D
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Ello =D

Apologies for not replying to the previous message you directed at me the other week. It was firmly on my to do list. People should feel privileged to be on my to do list. At any given time it's extremely small, if that's any consolation.

And if not, well, I've just been trying to find said message to give you an adequate reply, and stumbled upon absolute gold instead.

You'll soon see what I mean. =D
 
Tranced said:
Apologies for not replying to the previous message you directed at me the other week. It was firmly on my to do list. People should feel privileged to be on my to do list. At any given time it's extremely small, if that's any consolation.

And if not, well, I've just been trying to find said message to give you an adequate reply, and stumbled upon absolute gold instead.

You'll soon see what I mean. =D
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I don't recall directing a message at you last week, and you can ram your "privileged" to do list up your Geordie arse.

Who the fuck do you think ye are, swanning around here with your posh bank problems? 8)
 
felix said:
I don't recall directing a message at you last week, and you can ram your "privileged" to do list up your Geordie arse.
Click to expand...

That's because you're a daft cunt!

I said the other week.

felix said:
Bloody hell. Hello Mr M and how's tricks? Last saw you in Newcastle a lifetime ago. Hope you're doing alright and maybe I'll catch up with you in a more on-topic thread elsewhere. (Don't want to bore the others.) :D
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=D

*privileged
 
some bastard got into my mobile phone accounts, they changed the delivery address but left the payment details the same they went and ordered 2 new phones, but while in there they got my address date of birth and bank details for the direct debit. I then had to call my bank and set up a whole new process, so now bank vodafone etc call me back at home if I contact them wanting to pay for something or if anything attempts to be changed on my account. it was really worrying, I know they never got a penny but still having someone do that is shit. Hope you get it sorted out
 
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