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AIBU?

Share your dilemmas and get honest opinions from other Mumsnetters.

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Original poster

To think my bank needs to do something about my account being hacked

30 replies

LaurieFairyCake · 28/01/2014 07:40

Instead of metaphorically shrugging/insinuating it's my issue/causing massive inconvenience to me by cancelling my card and the new one not turning up for 10 days.

It happened last year too which is why I don't want them to cancel my card.

I only shop in 'trusted' stores online and in real life - in the last month I've shopped on Amazon/PayPal/cath Kidston/John Lewis/Duo Boots

In real life only Aldi/Tesco/Sainsburys/B and Q/Homebase.

My card is never out of my sight, I work from home so my bag is never left with anyone else. There is no Keylogger or virus software on my Iphone or computer.

In short there is NO Reason for £150 to suddenly leave my account to a fake Pokerstars account.

Is there anything I can do to make the bank do more than 'shrug'?

OP posts:

Potus · 28/01/2014 07:42

Are they investigating it?

Bloodyteenagers · 28/01/2014 07:44

Do you use cashpoints? They are a source of cloning.
Unscrupulous sales people have been known in the past to copy details.
Clicked through an email?

There are lots of ways in which cards are getting cloned.

Original poster

LaurieFairyCake · 28/01/2014 07:45

Online banking. I've sent them 2 secure messages this morning.

Last time I actually spoke to someone they said there was nothing they could do and attempted to lecture me on using dodgy petrol stations. I don't, I only use Sainsburys for petrol - so they got short shrift . They just kept saying there was nothing they could do.

OP posts:

NCISaddict · 28/01/2014 07:45

Do you use your card in petrol stations? That's where mine was cloned, also security isn't as good yet on phones as on home computers/laptops so if you shop on your phone that may be where the problem is happening..

NCISaddict · 28/01/2014 07:47

Mine wasn't a dodgy petrol station either but it still happened, plus cash points as another poster said.

Original poster

LaurieFairyCake · 28/01/2014 07:48

Never click through emails, only use bank cashpoints (no dodgy ones and I know what the odd ones look like).

I also only put my card in the machine in shops, no sales assistant has ever gone off with my card.

There is no way that the 'hacking' has anything to do with what I've done.

OP posts:

Original poster

LaurieFairyCake · 28/01/2014 07:49

I also only shop online at home and I live in a very quiet close so someone would have to hack my wifi plus my phone to 'see' it.

And they'd have to be close enough to do it - the way my house is positioned means they'd have to be on my drive

OP posts:

Trapper · 28/01/2014 07:49

Family member with access to your card?

LightsPlease · 28/01/2014 07:51

Same happened to me. I got sent a new card and refunded the money. Halifax.

Lonecatwithkitten · 28/01/2014 07:51

Do you have any of the banks additional security software on your computer like Trusteer or Rapport there is evidence that this actually highlights to hackers that you use on line banking ad makes you more likely to be a target.

LtEveDallas · 28/01/2014 07:52

My card was cloned thru a bank cashpoint. They are not fail safe.

NCISaddict · 28/01/2014 07:54

I always put my card in machines and shop assistants never went off with my card either but it still happened. The thieves are getting cleverer all the time and there may be genuinely nothing that the bank can do and I'm generally not one to defend banks.
Do you always use cashpoints inside banks during opening hours?

Original poster

LaurieFairyCake · 28/01/2014 07:58

Actually for the last two months I haven't used a cashpoint as I've been paying builders and have had to order large sums of cash from the actual bank.

OP posts:

TheDoctorsNewKidneys · 28/01/2014 07:59

PayPal is known to be quite dodgy with regards to security. I certainly haven't used it since my dad payed for some stuff online via the site and got his account hacked. It's the only time he's ever paid for anything online and the only time he got his account hacked.

poorbuthappy · 28/01/2014 08:01

Surely the point is that it's the banks who should be putting measures in place to stop the hacking?
It's not down to the victim of the crime to do it.
If a premises' systems are hacked (ie a petrol station) then perhaps they should have their payment systems shut down until they sort the problem out.
We as homeowners are told by police insurance companies etc that we have to lock our doors and windows so the thieves can get in. But apparently the same principle doesn't apply to banks? Spend some bloody money on security systems.

gordyslovesheep · 28/01/2014 08:03

If you use your card for Facebook games such as candy crush that may be it. Pokerstars took £60 from me , Facebook paid it back within the week

Original poster

LaurieFairyCake · 28/01/2014 08:04

I thought it was PayPal last time. I do use the EBay app with the PayPal linked to it to pay for stuff. Not by clicking through spam links or anything.

But I'm not going to stop using EBay and there must be a million paypal transactions a day, surely we'd have heard something if there was large scale PayPal fraud

OP posts:

Original poster

LaurieFairyCake · 28/01/2014 08:04

I don't use Facebook at all. Or any online gaming forums of any kind.

OP posts:

TheDoctorsNewKidneys · 28/01/2014 08:06

I don't think it's large scale, really, but because SO many people use it everyday, fraudsters can get away with quite a few hackings because it's still such a small percentage of the overall transactions, if that makes sense?

NCISaddict · 28/01/2014 08:07

In my experience the banks do spend a lot on security and when petrol stations etc are suspected of cloning it is rigorously investigated, in my case there were prosecutions of everyone involved but like most scams they are constantly evolving. A lot of the scams do not originate in this country which makes them more difficult to track.

WooWooOwl · 28/01/2014 08:19

Do you mean they aren't trying to get your money back?

This has happened to both DH and I before and the bank has always stopped the payment so we haven't lost out financially. Both times it's been the bank that has calls us to tell us about a dodgy transaction before we've noticed it. Apart from that, I'm not sure what else they can do.

nannynick · 28/01/2014 08:24

Sites should be forced to use SecureCode, the pin like system run by card issuers. Many still do not ask for the code when making online transactions.

Daykin · 28/01/2014 08:26

've no idea how my card was cloned and the bank were awful. I get paid in cash so I don't use my card in shops or for petrol very much (never for petrol occasionally in sainsburys/tesco). I haven't used an atm in years. My paypal is linked to a different account. My card is mainly used for amazon or asos etc.

The bank were really bad, they kept saying it must be me. I complained to the financial ombudsman in the end and the bank gave me the money back but then a few weeks later they removed it from my account. They said it wasn't their problem and tell the police. The police said it was up to the bank. My card was used abroad and to get abroad (flight tickets) which is apparently quite common as you do online check-in and nobody ever asks to see the card you booked with . They obviously had names for the people who used the flights (I guess they must have used passports in those names) but nobody had any interest in the criminality. I was really surprised in the lack of interest but they kept saying it was only a small amount £2K!! but surely the fact that it was done at all means it's part of a wider 'scheme'

gordyslovesheep · 28/01/2014 08:27

IPad or apple account? Any thing where your card it set up and linked.

Bloodyteenagers · 28/01/2014 18:34

When mine was cloned it was at a banks atm. I didnt even know until the bank called me and said they were stopping my card because of that cashpoint. Luckily, only a small amount had been taken.

The dodgy store people, you put your card into the reader, the details are copied and they watch you as you tap in your card. they dont take your card anywhere.

Scammers are always using ebay, paypal etc.. one of the many ways is by the emails they send. This isnt the only way.

Hackers dont need to be near you to see your details. As well as using things like keyloggers, they also use your camera... Never, ever downloaded anything? Not even a picture from google. A link from here?

oh and it your card contactless? another way to get your details.

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