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Fraud on Account

(10 Posts)
lsa2 Fri 05-Aug-11 14:19:29

Message withdrawn at poster's request.

KellyKettle Fri 05-Aug-11 14:29:47

Does it mean that the billing address was the same but perhaps another delivery address?

You should be protected by your bank for this - debit/credit card guarantee scheme (possibly not it's exact name).

I would call the bank and speak to someone directly about it, take their name etc

Good luck

(£170 for perfume??)

lsa2 Fri 05-Aug-11 14:56:13

Message withdrawn at poster's request.

scaryteacher Fri 05-Aug-11 21:03:31

My brother was the subject of fraud on; reported it to his bank who refunded the lot, as your bank should.

lsa2 Sat 06-Aug-11 12:10:14

Message withdrawn at poster's request.

scaryteacher Sat 06-Aug-11 18:21:39

Debit card cloned I think. Luckily it was from an account that was used three times a year so the bank could see this was an unusual pattern.

lsa2 Sat 06-Aug-11 20:59:19

Message withdrawn at poster's request.

Acekicker Mon 08-Aug-11 09:54:20

This sounds like it's potentially something called COB (Change of Billing) it's used as part of crime/fraud against banks and their customers and is well known as a serious part of identify theft and can be linked to organised crime. See here for a brief description. The rsk with COBs is that it allows fraudsters to begin to convincingly look as if they have your identity - by getting things delivered in your name to their address it starts to look as if you live there, they start small with things like you've described and then bit by bit, due in part to slack security procedures across many industries, they build up more and more 'proof' that 'you' live there. They can then start to apply for credit etc in 'your name' at this new address.

Get onto your bank immediately and insist on speaking to a Fraud team member (not a customer services call centre); explain that you think you may have been victim of a Change of Billing and ask them to reissue ALL cards associated with your bank accounts; ask what else they advise. Give them the Amazon details as well as their Fraud team will want to work with Amazon's.

You need to check all your bank accounts, credit card bills scrupulously (and very regularly) for the next few months. Also consider getting youself signed up with someone like Equifax/Experian for a couple of years to keep an eye on your credit.

This isn't meant to be scary, just that it is something that can escalate over time if you don't take the steps now to sort it out.

lsa2 Mon 08-Aug-11 17:34:58

Message withdrawn at poster's request.

Acekicker Wed 10-Aug-11 20:29:49

You're welcome. Hope you get on ok with the bank!

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