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I've just realised about nine transactions on my bank statement for cash withdrawn from different dates from Sainsbury's Dog Kennel Hill cash machines outside the store since July are bogus. I used the cashpoint there once about 3 months ago for ?10 and once on Sunday for ?20. Bank statement says I made two transactions on Sunday for ?40 each! A few other transactions show two on the same day as well. Rang Lloydstsb fraud, and first woman said it was impossible to take card details and pin, and I should ask 'family members' if they've been using my card and pin. I told her I live alone, no family in London, I don't share my card with anyone, my pin number is in my head only and my cat cannot use chip and pin. Has anyone else had a similar experience at Sainsbury's cashpoints? And is it possible to take my card details and pin from these machines. And if so, which I believe it is, why are scammers not using my card elsewhere? (although there are also three dubious transactions using all my details at a takeaway in Victoria I've never used)
Actually, I've just realised I actually took ?40 out on Sunday at the cashpoint so what it seems to be doing is then showing two transactions for the same amount on the same day (as well as transactions on other dates when I simply didn't use the Sainsbury's cashpoints). What's that about? Is the machine faulty or tampered with?

The banking code says that "if you are a victim of card fraud you are protected through legislation, which states that you will not be liable for losses unless you have acted fraudulently or without reasonable care." That is why they asked you those questions.


Always, always cover your hand when you type your pin. The scammers attach skimmers to the card slot and small cameras to the underside of the top part of the machine. With that info, they can clone your card with the mag stripe detail (cloning the chip is still, as far as I know, not possible).


Ask your bank to confirm whether the transactions were chip-and-pin transactions, magnetic stripe and pin, magnetic stripe and signature or card-not-present transactions. If they are chip-and-pin, you may have a fight on your hands as banks still believe the system to be secure. For the rest, you should get your money back. Get back onto Lloyds - don't let them fob you off.


Either way, ask them to cancel the card and reissue you a new one. I'd also get in touch with Experian and Equifax and get a copy of your credit report (don't sign up for their expensive schemes, get the statutory reports (?2 each) from the links I have put on each company's name). The fraudsters may try to do other stuff in your name - these reports should highlight anything bad.

Also, having said all that in my last post DO check it was not you and you have forgotten. Especially with the takeaways, sometimes the address on the transaction is not necessarily the address of the place your purchased stuff.


PS Damian: Lebanese loops are a different fraud. They put a piece of plastic in the card slot so it does not return your card. I'm assuming the OP still has his/her card.

It was chip and pin, as with all cashpoints. I didn't forget how much I took on Sunday. I know it was ?40 as that's how much I needed to take with me to Somerset to pick up puppy and pay breeder the ?37.50 for first injection. And I don't eat around Victoria station, where this other place is! If anyone has used the Sainsbury cashpoints at Dog Kennel Hill, do check your statements for doubling. I can't be the only one. I finally got to speak to someone else at Lloyd's who has cancelled my card and said they will look out for any 'attempts' on my card as of today, which will fail but also show up, so we'll know if someone is using a cloned version, if that's what's going on.

Loz Wrote:

-------------------------------------------------------

> Also, having said all that in my last post DO

> check it was not you and you have forgotten.

> Especially with the takeaways, sometimes the

> address on the transaction is not necessarily the

> address of the place your purchased stuff.

>

> PS Damian: Lebanese loops are a different fraud.

> They put a piece of plastic in the card slot so it

> does not return your card. I'm assuming the OP

> still has his/her card.


Thanks Loz. I thought the Lebanese Loop was the scanning insert they use to get the details from the magnetic strip.

fleur Wrote:

-------------------------------------------------------

> I am aware that the cash machine outside of the forest hill road co-op was tampered with last

> Christmas,my friend's card was retained and used to obtain a large amount of money at various spots

> around London that evening.


Classic Lebanese Loop case. You friend's pin was either harvested from a camera or, more likely, someone shoulder surfing. As soon as your friend left the scene, the nearby scummer would have retrieved the card (and the loop) from the machine and armed with PIN and card headed out onto the town.


Meanwhile, your friend probably went home thinking her card had been swallowed by the machine and not reported/cancelled it until next day.

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