Jump to content

Recommended Posts

Hi,


For the benefit of EDF readers I posted the suspect businesses that have had problems with cloning in East Dulwich, this now may appear on pages two back. The two petrol stations in East Dulwich are helping the authorities with there enquiries as are all the other businesses mentioned. When using a card it may now be safer to use a hole in the wall and obtain cash to pay for purchases, as it appears fraudsters have moved away from the hole in the wall due to the attention they have received.


A simple way to reduce theft is to not purchase any items from a store that may have periods of quiet. As the case is that in a period of quiet (2am in a petrol/foodstore) the defrauder has time to set up a reader without prying eyes.

In the case of restaurants, you have to be careful when paying at any restaurant as the machine brought to the table is a WiFi/Bluetooth sort of transmission method and it may be that someone (customer using their phone) is able to read your card information if they have the correct programme installed on the phone.


I think a good way to try and eradicate this fraud is to identify where the transaction has taken place. Note the venue and the time and ask to see the manager, place him/her on notice that a criminal offence has been commited and advise that this will be reported.

When placing him on notice you must note the time that you spoke to him/her, and send this information to your card issuer


I had a case once where the person who had the card bought a cheap item from a busy chain store, he then had cashback for fifty pounds. He did this some twenty times daily from the same store, relieving the card supplier of about ?1000 a day.


At the end of the day the manager has a duty of care which covers all areas of the business.


Regards,

Libra Carr.

nylonmeals, i had a call from my bank to say they had a call from police, saying my card has been cloned, 2nd time in a year, thankfully no money was taken, bank said they could hold it back to use later, any way do you live any where near nunhead at all? as i was using my card right up till last wednesday, and the only shops i used that week was b&q, asdas, and a supermarket near me.i used my card in my local supermarket last tuesday, went to use it there agin on wednesday and machines were not working, goes back into the shop with a friend on friday and machines were wroking again, surly if this was the shop then they would not be allowed to have their machines back? i have been using this same shop now with my card for over 4 years and its the same people there so im in 2 minds as to wether it is them or not? so that would leave b&q and asdas. any way just trying to scale it down a bit. i knew where my card was cloned before as it was the only place id used it before they cleared out all my account in bangkok.
My mother-in-law had ?6000 taken from one of her cards. A fraudster rang the bank up and told them she had moved address. The bank then sent out a new card to a place up in Newcastle. They then went on a shopping spree over a couple of days. She never used the card but it took the bank a week to flag her account.
Does anyone think that there might be a relationship between the amount of banks and other large companies using call centres in India and cc fraud? I have made it a rule not to give any details to call centres outside of the UK. It's a pain and I might be completely wrong, but a few of the last postings on this subject seem to have an Indian theme.
  • 2 weeks later...

My abbey credit card has been used in Italy and Spain over the last few weeks, just received my statement and was shocked::o. I haven't used this card for months, as I'm trying to be good. Anyway, spent most of this afternoon on the phone cancelling card, then spoke to about 7 different people (passed on to next person after explaining situation each time) and then given different numbers, at one point spoke to someone in Portugal(?), who didn't quite know how i ended up speaking to her... who then gave me the telephone number i had called initially!


Hopefully it will all get sorted.


Flower

dulwichflower Wrote:

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

> My abbey credit card has been used in Italy and

> Spain over the last few weeks, just received my

> statement and was shocked::o. I haven't used this

> card for months, as I'm trying to be good.

> Anyway, spent most of this afternoon on the phone

> cancelling card, then spoke to about 7 different

> people (passed on to next person after explaining

> situation each time) and then given different

> numbers, at one point spoke to someone in

> Portugal(?), who didn't quite know how i ended up

> speaking to her... who then gave me the telephone

> number i had called initially!

>

> Hopefully it will all get sorted.

>

> Flower


I would be interested in how you have found Abbey? I too was on the phone for ages having to keep calling different people, I then heard nothing further despite calling 2 / 3 times to ask for an update - I was promised call backs from the fraud team on each occasion but they never materialised. Money has just been credited back nearly a month later, still havent heard anything from Abbey though! I have sent them a letter complaining about the poor detection / poor communication / length of time to return money, will let you know what they say !

First Direct are brilliant in just about every respect (no I don't work for them!)


They're efficient, reliable, helpful and friendly, and if they need to call you back they always do, when they said they would.


Don't know whether their credit card is currently competitive though if you need a low interest rate ..... I go from card to card, have had a FD card in the past but not at the moment ....

  • 5 weeks later...
I've experienced similar issues in the last few months. The cash machine I am now wary of is the one by the parade of shops on East Dulwich Road. Having seen a documentary about these free-standing cash machines and how easy they are to tap into you'd think I'd have taken heed!
  • 2 weeks later...

LibraCarr Wrote:

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

> Hi,

>

> Just a quickie to make you aware that the

> following businesses that have had incidents, so

> you may want to use cash as an alternative.

>

> Texaco Garage - Grove Vale, East Dulwich

> Budgens Convenience Store - Lordship Lane, East

> Dulwich

> Costcutter/Jet Service Station - East Dulwich

> Road, East Dulwich

> Tesco's (Metro outlet) - East Dulwich Road, East

> Dulwich

>

> The way that some fraudsters obtain your pin

> number is by using a remote camera, they place it

> above the keyboard and read.When they start to get

> noticed the retrieve the camera and move on to the

> next hole in the wall. A simple tip is that if

> you sight anyone sitting in a car/van facing the

> machine,then do not use that machine. Always look

> above the keyboard for the camera, but do not

> remove it as they might get annoyed!

> A remote camera needs a clear signal view and

> needs no more that 25 yards to obtain good

> recordable footage.

>

> If you have had a problem and want to change

> banks, I would suggest the coop bank, they rang me

> at 23.00 and asked if I was in India, as

> transactions were tendered over the previous two -

> three hours. They limited my card to UK

> transactions for an hour to allow me to withdraw

> cash, on the understanding that as soon as I had

> withdrawn the money I would call them back to

> advise them. In a couple of day's I had a new

> card and pin number.

>

> Another area that is sus is Peckham, literally all

> machines have been amended at some stage.

>

> Regards,

> Libra Carr.



I was called today by my bank, First Direct to ask if I was in Germany. No I said. Evidently someone used my cloned card to try and withdraw euros. They had the pin number luckily the bank stopped the transaction. I have used all the places you mention above Libra Carr, recently. So my card has been cancelled and I am awaiting the issue of a new one. If they use remote cameras then could we put our hand over the keypad to stop anyone seeing the pin?


Cate

i would like to add Nationwide building society to the list of good money people. they have been brilliant in every case of fraud, not questioned the problem: varying from several thousands to the recent one this weekend of ?300. someone even attempted a fake passport at a counter, i kid you not!


they also gave me a direct landline number rather than an 08 one so when i call it's free, hurrah!


basically, someone posted earlier that natwest were silly by sending a letter. as i understand it a bank will immediately try to get in touch and call 2-3 times with a half hour delay. their policy, quite rightly, is not to leave a message. then if they have no luck they send you a letter having restricted the card.


this time my money was taken in malaysia: it's bad enough that they are ripping all this money in lovely hot sunny destinations without it having to be my child benefit that they're lifting.


and yes credit cards are actually better as you can cancel a payment, unlike a debit card where the money has been taken. this is how it was explained to me, however, i think i'm going to stick to cash for the next few months. it will help organise spending as the recession hits and will stop me from buying tat that i don't need.

dulwichflower Wrote:

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

> Hi Clare

> I'm still waiting to hear back from Abbey. No

> money has been credited back yet. I too am

> thinking of writing a letter complaining about the

> poor communication.

> Flower



Hi Dulwichflower,


Definitely complain! I heard nothing for a month, the money was then credited back but nothing further said!


I complained about the lack of communication (erm none!), the time it took and the general poor handling of the whole incident - namely me being rejected money in London but those in Canada / South Africa happily spending. I received a letter of apology, advised the fraud team were aware and would be looking at their communication and I got ?100 credited to my account. Sounds like the problem hasnt been rectified yet!

Bought petrol in Texaco Grove Vale on Sat afternoon with my credit card. Thought a bit weird at time as they keyed in wrong amount and called me back to correct it. Later that evening Barclaycard called to say card inc PIN no had been presented in Canada (?400 purchase - rejected I'm glad to say).


I was impressed at speed and efficiency of bank's response at least ...

My card got cloned on Saturday also. First Direct were rapid on the case and blocked a withdrawal in Germany on Sunday. I had used texaco and a few other retailers with the card recently (so could have been any of them and I'm not suggesting it is texaco - however will probably stick to cash in there in future as there seems to be some history there based on other posts). FD couldn't tell me who the flagged retailer was but I was assured the authorities know and are taking action.

hya everyone.

i used my credit card in the petrol station in grove vale , on the 5th of this month, my bank rang me and told me my card was cloned at this station , and some one was in canada trying to take money from my account .

on the same day they tried to take out money twice first time for ?99 and the second for ?399 , both were declined , as you all might be aware barclays bank do not give money out unless you tell them your visiting a place abroad, and what card your using.

so people of east dulwich take care

cheers

doss

I have had the same problem! i was phoned by Barclays at 8.30 am yesterday to ask if I had made a cash withdrawal of ?99 in Montreal Canada at 3am. Also a declined withdrawal of ?300 in Vancouver a couple of hours later. I do get about a bit, but I was happily in ED. I had used the Texaco a couple of times in the last few weeks, so suggest anyone who has filled up there and paid by debit card take a close look at their statement. The Bank was quite helpful and told me the routine to reclaim the money - nor did they seem particularly surprised, though they were not specific about the retailer.


Dosser is quite right, by the way; Barclays are always suspicious about overseas debit card transactions and now require you to let them know in advance. A pain, but it's easy to see why...

Create an account or sign in to comment

You need to be a member in order to leave a comment

Create an account

Sign up for a new account in our community. It's easy!

Register a new account

Sign in

Already have an account? Sign in here.

Sign In Now
  • Latest Discussions

    • The is very low water pressure in the middle of Friern Road this morning.
    • I think mostly those are related to the same "issues". In my experience, it's difficult using the pin when reporting problems, especially if you're on a mobile... There's two obvious leaks in that stretch and has been for sometime one of them apparently being sewer flooding 😱  
    • BBC Homepage Skip to content Accessibility Help EFor you Notifications More menu Search BBC                     BBC News Menu   UK England N. Ireland Scotland Alba Wales Cymru Isle of Man Guernsey Jersey Local News Vets under corporate pressure to increase revenue, BBC told   Image source,Getty Images ByRichard Bilton, BBC Panorama and Ben Milne, BBC News Published 2 hours ago Vets have told BBC Panorama they feel under increasing pressure to make money for the big companies that employ them - and worry about the costly financial impact on pet owners. Prices charged by UK vets rose by 63% between 2016 and 2023, external, and the government's competition regulator has questioned whether the pet-care market - as it stands - is giving customers value for money. One anonymous vet, who works for the UK's largest vet care provider, IVC Evidensia, said that the company has introduced a new monitoring system that could encourage vets to offer pet owners costly tests and treatment options. A spokesperson for IVC told Panorama: "The group's vets and vet nurses never prioritise revenue or transaction value over and above the welfare of the animal in their care." More than half of all UK households are thought to own a pet, external. Over the past few months, hundreds of pet owners have contacted BBC Your Voice with concerns about vet bills. One person said they had paid £5,600 for 18 hours of vet-care for their pet: "I would have paid anything to save him but felt afterwards we had been taken advantage of." Another described how their dog had undergone numerous blood tests and scans: "At the end of the treatment we were none the wiser about her illness and we were presented with a bill of £13,000."   Image caption, UK pet owners spent £6.3bn on vet and other pet-care services in 2024, according to the CMA Mounting concerns over whether pet owners are receiving a fair deal prompted a formal investigation by government watchdog, the Competition and Markets Authority (CMA). In a provisional report, external at the end of last year, it identified several issues: Whether vet companies are being transparent about the ownership of individual practices and whether pet owners have enough information about pricing The concentration of vet practices and clinics in the hands of six companies - these now control 60% of the UK's pet-care market Whether this concentration has led to less market competition and allowed some vet care companies to make excess profits 'Hitting targets' A vet, who leads one of IVC's surgeries (and who does not want to be identified because they fear they could lose their job), has shared a new internal document with Panorama. The document uses a colour code to compare the company's UK-wide tests and treatment options and states that it is intended to help staff improve clinical care. It lists key performance indicators in categories that include average sales per patient, X-rays, ultrasound and lab tests. The vet is worried about the new policy: "We will have meetings every month, where one of the area teams will ask you how many blood tests, X-rays and ultrasounds you're doing." If a category is marked in green on the chart, the clinic would be judged to be among the company's top 25% of achievers in the UK. A red mark, on the other hand, would mean the clinic was in the bottom 25%. If this happens, the vet says, it might be asked to come up with a plan of action. The vet says this would create pressure to "upsell" services. Panorama: Why are vet bills so high? Are people being priced out of pet ownership by soaring bills? Watch on BBC iPlayer now or BBC One at 20:00 on Monday 12 January (22:40 in Northern Ireland) Watch on iPlayer For instance, the vet says, under the new model, IVC would prefer any animal with suspected osteoarthritis to potentially be X-rayed. With sedation, that could add £700 to a bill. While X-rays are sometimes necessary, the vet says, the signs of osteoarthritis - the thickening of joints, for instance - could be obvious to an experienced vet, who might prefer to prescribe a less expensive anti-inflammatory treatment. "Vets shouldn't have pressure to do an X-ray because it would play into whether they are getting green on the care framework for their clinic." IVC has told Panorama it is extremely proud of the work its clinical teams do and the data it collects is to "identify and close gaps in care for our patients". It says its vets have "clinical independence", and that prioritising revenue over care would be against the Royal College of Veterinary Surgeons' (RCVS) code and IVC policy. Vets say they are under pressure to bring in more money per pet   Published 15 April 2025 Vets should be made to publish prices, watchdog says   Published 15 October 2025 The vet says a drive to increase revenue is undermining his profession. Panorama spoke to more than 30 vets in total who are currently working, or have worked, for some of the large veterinary groups. One recalls being told that not enough blood tests were being taken: "We were pushed to do more. I hated opening emails." Another says that when their small practice was sold to a large company, "it was crazy... It was all about hitting targets". Not all the big companies set targets or monitor staff in this way. The high cost of treatment UK pet owners spent £6.3bn on vet and other pet-care services in 2024 - equal to just over £365 per pet-owning household, according to the CMA. However, most pet owners in the UK do not have insurance, and bills can leave less-well-off families feeling helpless when treatment is needed. Many vets used not to display prices and pet owners often had no clear idea of what treatment would cost, but in the past two years that has improved, according to the CMA. Rob Jones has told Panorama that when his family dog, Betty, fell ill during the autumn of 2024 they took her to an emergency treatment centre, Vets Now, and she underwent an operation that cost almost £5,000. Twelve days later, Betty was still unwell, and Rob says he was advised that she could have a serious infection. He was told a diagnosis - and another operation - would cost between £5,000-£8,000.   Image caption, Betty's owners were told an operation on her would cost £12,000 However, on the morning of the operation, Rob was told this price had risen to £12,000. When he complained, he was quoted a new figure - £10,000. "That was the absolute point where I lost faith in them," he says. "It was like, I don't believe that you've got our interests or Betty's interests at heart." The family decided to put Betty to sleep. Rob did not know at the time that both his local vet, and the emergency centre, branded Vets Now, where Betty was treated, were both owned by the same company - IVC. He was happy with the treatment but complained about the sudden price increase and later received an apology from Vets Now. It offered him £3,755.59 as a "goodwill gesture".   Image caption, Rob Jones says he lost faith in the vets treating his pet dog Betty Vets Now told us its staff care passionately for the animals they treat: "In complex cases, prices can vary depending on what the vet discovers during a consultation, during the treatment, and depending on how the patient responds. "We have reviewed our processes and implemented a number of changes to ensure that conversations about pricing are as clear as possible." Value for money? Independent vet practices have been a popular acquisition for corporate investors in recent years, according to Dr David Reader from the University of Glasgow. He has made a detailed study of the industry. Pet care has been seen as attractive, he says, because of the opportunities "to find efficiencies, to consolidate, set up regional hubs, but also to maximise profits". Six large veterinary groups (sometimes referred to as LVGs) now control 60% of the UK pet care market - up from 10% a decade ago, according to the CMA, external. They are: Linnaeus, which owns 180 practices Medivet, which has 363 Vet Partners with 375 practices CVS Group, which has 387 practices Pets at Home, which has 445 practices under the name Vets for Pets IVC Evidensia, which has 900 practices When the CMA announced its provisional findings last autumn, it said there was not enough competition or informed choice in the market. It estimated the combined cost of this to UK pet owners amounted to £900m between 2020-2024. Corporate vets dispute the £900m figure. They say their prices are competitive and made freely available, and reflect their huge investment in the industry, not to mention rising costs, particularly of drugs. The corporate vets also say customers value their services highly and that they comply with the RCVS guidelines.   Image caption, A CMA survey suggests pet owners are happy with the service they receive from vets A CMA survey suggests pet owners are happy with their vets - both corporate and independent - when it comes to quality of service. But, with the exception of Pets at Home, customer satisfaction on cost is much lower for the big companies. "I think that large veterinary corporations, particularly where they're owned by private equity companies, are more concerned about profits than professionals who own veterinary businesses," says Suzy Hudson-Cooke from the British Veterinary Union, which is part of Unite. Proposals for change The CMA's final report on the vet industry is expected by the spring but no date has been set for publication. In its provisional report, it proposed improved transparency on pricing and vet ownership. Companies would have to reveal if vet practices were part of a chain, and whether they had business connections with hospitals, out-of-hours surgeries, online pharmacies and even crematoria. IVC, CVS and Vet Partners all have connected businesses and would have to be more transparent about their services in the future. Pets at Home does not buy practices - it works in partnership with individual vets, as does Medivet. These companies have consistently made clear in their branding who owns their practices. The big companies say they support moves to make the industry more transparent so long as they don't put too high a burden on vets. David Reader says the CMA proposals could have gone further. "There's good reason to think that once this investigation is concluded, some of the larger veterinary groups will continue with their acquisition strategies." The CMA says its proposals would "improve competition by helping pet owners choose the right vet, the right treatment, and the right way to buy medicine - without confusion or unnecessary cost". For Rob Jones, however, it is probably too late. "I honestly wouldn't get another pet," he says. "I think it's so expensive now and the risk financially is so great.             Food Terms of Use About the BBC Privacy Policy Cookies Accessibility Help Parental Guidance Contact the BBC Make an editorial complaint BBC emails for you Copyright © 2026 BBC. The BBC is not responsible for the content of external sites. Read about our approach to external linking.
    • What does the area with the blue dotted lines and the crossed out water drop mean? No water in this area? So many leaks in the area.
Home
Events
Sign In

Sign In



Or sign in with one of these services

Search
×
    Search In
×
×
  • Create New...