Card cloning warning

[kford]

Hmm. Mrs Kford's just had a call from our bank telling her that her Maestro card has just been used for a series of transactions in the Philipines. They cancelled it, and luckily it was on a couple of hundred quid. She's wracking her brain to rememeber where it was used, as she prefers the Barclay's ATM to the tampered-with HSBC. It would definitely be an ED cloning though, as she's only been local lately.

[candj]

But it seems from a previous post on this thread that the police were not helpful - otherwise a certain petrol station near a certain roundabout would be shut by now. It seems the way forward is that banks will decline all transactions from foreign countries unless clients call ahead of time to inform them exactly where they are going. Also, having transactions texted to mobiles are a great idea, but some people would have a thousand texts!

[Sue]

I don't think the police/fraud investigators would just go in all guns blazing and shut somewhere down, would they, they'd want to watch and wait and make sure they had evidence and also try to trace the trail back to see exactly who was involved before arresting anyone??

Otherwise there would be time for the others involved to get away, no??

Not that I know anything at all about how the police or fraud departments work, lol!

I just know the police were mega uninterested when I had two cards stolen once :-S but that was a one-off, not like this epidemic now :-S

EDIT: Anyway you can't just shut somewhere down, it might be that the owner/manager/whoever had nothing to do with whatever was going on :)

[candj]

Not that I know how fraud departments work either, but it seems so blatantly obvious with a thread a mile long discussing 5 different institutions where fraud has taken place in ED. Cash is king! ;-)

[Loz]

Can I just say - always, always cover your PIN-entering hand. The attendant/server/waiter/waitress may not be looking, but those security camera's and other hidden cameras sure are. I was cloned once, about two years ago, and I learnt this lesson. Touch wood - I've not been cloned since. I also give the card entry slot a good waggle before using ATMs.

Having said that, there are reports coming out of ways to detect the PIN off the pad itself with compromised gear, but it seems that most PIN harvesting is still done visually.

[brightsue]

I have just been phoned by Barclays fraud dept, to say attempted use of my debit card in Canada. They spotted it and blocked it straight away. I never use HSBC machine, but use Barclays and Somerfield and Sainsburys :'(

[Otto]

thanks loz - yes - i always cover my pin - to the point i mistype it sometimes...my first card was cloned and used without a pin in the states and the second card....unsure - but - i think mine was not harvested visually as i always always keep a cover on it...

best, otto

[MelbourneGr]

When will they put eye recognition software in these damn ATM's? That will teach those cloning card buggers.

[cate]

Otto

Yes, it's weird that in the States, if you buy something in a shop then you don't need a pin. They sometimes ask for photo ID though. But at a US ATM you definitely do need a pin.

[SeanMacGabhann]

Tecnology is great - but it isn't the answer to everything. Some creative thinking on the part of the banks would be useful

[kford]

They need something akin to the Nazis adding an extra cog to the Enigma machine - perhaps an on-screen password letter/number system - as in online banking - so the combination changes with every withdrawal.

[*Bob*]

Of course in the future, we won't even need cards.

All you'll need to do is hold your arm out level, raise the flat of your hand, and bank notes will shoot out of your wrist. And a receipt will come out of your ass.

Mrs *Bob* got cloned in the last couple of days also.

[lozzyloz]

No need to go to a Lesbian bar then.

[bignumber5]

Does that mean you've now got a spare Mrs *Bob*? ;-)

[kford]

Not short of a few (Mrs) bob, then?

[*Bob*]

I'm afraid so, BN5. Double trouble.

But there are advantages.. now she can do the washing up and put the bins out at the same time.

[MelbourneGr]

A chip implanted in the hand? Sounds dodgy.

They'll just chop your hand off when you least expect it, put it in a sandwich bag and flash the bag past the chip reader on the ATM.

I'd rather the crappy card technology we have now. :-S

[lozzyloz]

Bring back the days when promissory notes had to be manually cloned by a master forger.

[Beazo]

We got a call yesterday to say that my other half's card had been cloned and had been used in Malaysia so it's still not stopped happening around here.

[*Bob*]

Not exactly, Melbourne.

The notes themselves will be 'grown' in the stomach (from semi-digested organic pasta) and then sent to the left leg for printing, before making their final journey down the left arm for emission via a narrow slit, just before the palm of your hand.

All you'll have to do is 'think' your PIN number; although in emergencies (such as being too drunk to think) the cash can be accessed by keying-in a unique six letter password into a keypad located just below the scrotum. (The ladies will have their keypads in their handbags - for obvious reasons).

[MelbourneGr]

*Bob* Wrote:

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

> Not exactly, Melbourne.

>

> The notes themselves will be 'grown' in the

> stomach (from semi-digested organic pasta) and

> then sent to the left leg for printing, before

> making their final journey down the left arm for

> emission via a narrow slit, just before the palm

> of your hand.

>

> All you'll have to do is 'think' your PIN number;

> although in emergencies (such as being too drunk

> to think) the cash can be accessed by keying-in a

> unique six letter password into a keypad located

> just below the scrotum. (The ladies will have

> their keypads in their handbags - for obvious

> reasons).

Sounds painful, funny and sickening at the same time. ;-)

[cate]

More cloning stuff........

I had a brand new ATM card for less than 5 weeks before it was cloned. In that time, locally, I used Sainsburys, Co-op, both ATM and shop, Somerfield (once), Lidl (twice), HSBC ATM, Poundstretchers (once), Iceland, Barclays ATM, Lloyds Pharmacy, Londis AND the Texaco petrol station. I can't remember where Londis is??

Anyway the Somerfield and Sainsbury link is there. Anyone else used any of the other places I used?

[MelbourneGr]

Londis opposite East Dulwich Station?

Didn't think anyone would ever need to use a card at Poundstretcher :))

[Tegid]

Prevention being the best cure n'all does anyone financially minded know which Bank(s) offer the best protection against this kind of fraud?

The spectrum of bank service experienced by myself and my flat mate has been quite wide in this instance.

My flat mates bank HSBC noticed a transaction taking place on foreign soil, outside of his usual spending pattern. They immediately cancelled the transaction, telephoned him and cancelled the card. The most inconvenience he will suffer is waiting for his new bank card to arrive.

My bank, Halifax, didn't notice anything amiss in a transaction occurring in another country. I however did but despite my protestations Halifax couldn't cancel the transaction, indeed I had to wait until the next day before Halifax was even able to tell me from what country the money was taken. Now I have to wait for up to 14 days for their fraud team to contact me, with no reassurance as to when or even if I will be refunded. Needless to say the money taken is money I need.

Have I just been unlucky in this instance? Or does the fraud prevention services between banks differ substantially?

[cate]

Ha!, I splashed out and spent ?3.97!

Never used Londis opposite East Dulwich station, maybe it is the shop in Bellenden Road. Is the Lloyds pharmacy the one in Bellenden or the one in Northcross anyone?