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Was I almost scammed yesterday? If so- how?

31 replies

eyeheart · 14/01/2025 08:14

[Name change, outing] I was outside Asda near Bournemouth train station last night just having put my card in the machine when a young woman quickly approached me. This gave me a shock because obviously you always have to be wary of people watching etc. at a cash machine, I just hit "cancel" and grabbed my card.

She seemed stressed and asked me if I knew how to activate a bank card she had in her hand. I just told her that I only knew that for my bank you make a purchase and put your card in and use the pin.

She said she didn't have a pin and showed me the card which was a Monzo one and a bit weird, it didn't seem to have the usual details embossed on the front.

Then she tried putting it in the machine, what I don't get here was that surely she must have put in a pin at this point- and showed me there was no option to activate.

I just replied that I only knew about making a purchase, said I was sorry and went in the store- unfortunately without my cash because I'd had to abruptly cancel. Also a bit shaken at being approached at the cash point.

She seemed like a nice and genuine person but obviously this has thrown me. I'm now worried about some kind of scam, but if so- what could it be? I was watching for someone approaching me while she was speaking in case it was a distraction technique but no-one did.

What now? Do I need to cancel my card?

I'm so wary of Bournemouth now, the whole train station/Asda area was just full of people on drugs. I grew up in a city so I'm not naive, it's just that Bournemouth seems to have deteriorated.

OP posts:
CherryFlan · 14/01/2025 09:21

eyeheart · 14/01/2025 08:14

[Name change, outing] I was outside Asda near Bournemouth train station last night just having put my card in the machine when a young woman quickly approached me. This gave me a shock because obviously you always have to be wary of people watching etc. at a cash machine, I just hit "cancel" and grabbed my card.

She seemed stressed and asked me if I knew how to activate a bank card she had in her hand. I just told her that I only knew that for my bank you make a purchase and put your card in and use the pin.

She said she didn't have a pin and showed me the card which was a Monzo one and a bit weird, it didn't seem to have the usual details embossed on the front.

Then she tried putting it in the machine, what I don't get here was that surely she must have put in a pin at this point- and showed me there was no option to activate.

I just replied that I only knew about making a purchase, said I was sorry and went in the store- unfortunately without my cash because I'd had to abruptly cancel. Also a bit shaken at being approached at the cash point.

She seemed like a nice and genuine person but obviously this has thrown me. I'm now worried about some kind of scam, but if so- what could it be? I was watching for someone approaching me while she was speaking in case it was a distraction technique but no-one did.

What now? Do I need to cancel my card?

I'm so wary of Bournemouth now, the whole train station/Asda area was just full of people on drugs. I grew up in a city so I'm not naive, it's just that Bournemouth seems to have deteriorated.

Not a scam - she was just asking for help.

Butterflyfern · 14/01/2025 09:26

The way she "rushed" up to you rather than waiting until you were done could be an attempt at a distraction scam. The point is to engage you in something where you forget what you were originally doing and therefore leave the money behind when you use the cash point. So asking you questions where you have to think of an answer etc

But you did the right thing to immediately cancel the transaction and get your card back.

Or she could have been genuine and socially unaware. But better safe than sorry!

LoveBluey · 14/01/2025 09:31

Can't help re the possibility of a scam but I can definitely echo your sentiments about that Asda / general area by the train station. Unfortunately I have to travel there for work but I feel very unsafe at any time of the day.

GreyBlackBay · 14/01/2025 09:32

Monzo cards have to be activated in the app so fair chance she was genuine.

But yes her behaviour was odd so good to have your wits about you.

HollyKnight · 14/01/2025 09:35

Monzo cards have to be activated via the app. When she said she didn't have a PIN she probably thought you meant specifically to activate it. She would have created her own PIN as part of the application process.

FootstepAway · 14/01/2025 09:57

Chuchoter · 14/01/2025 08:56

'GET THE FUCK AWAY FROM ME' is a useful phrase in these situations. Said with menace and hard cold stare.

I wouldn't turn my attention away from the cash machine I was using to stare at someone who was trying to distract me. Isn't that exactly what they want?

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