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AIBU?

Share your dilemmas and get honest opinions from other Mumsnetters.

Original poster

AIBU to smell a rat? (Bank related)

38 replies

CyclopsBee · 20/12/2014 12:17

Ok, so had a missed call on my mobile earlier, I didn't answer as it was an 0871 number,
I then get a voicemail asking me to phone a different number, saying it's my credit card company,
Then I get a txt message asking if I'd spent £2.93 this morning on my card,
I haven't used my card as I have no credit on it at all.
I then try and look at my account online and my account is blocked so i phone customer services who agree £2.93 was spent this morning but they can't tell me how as I have no available credit. The man tries to put me through to the fraud dept but comes back and says they are busy and I need to phone back on Monday,
WTF is going on? Confused

OP posts:
Original poster
CyclopsBee · 22/12/2014 13:29

Update. Spoke to bank today and after taking £2.93 the buggers tried taking £1600 Shock but the bank had blocked my account by then.
So good on the bank for being alert I say!! Makes a change to be praising the bank!

OP posts:
PausingFlatly · 22/12/2014 13:33

Wow! Thanks to your bank!

Hope not having the card isn't going to cause you problems, especially over Christmas. But otherwise sounds like it's gone as well as possible.

iwantaginsoakedXmas · 22/12/2014 13:33

Wow.
Cheeky buggers.

Original poster
CyclopsBee · 22/12/2014 13:39

Thank goodness ive done all my shopping! I didnt have £1600 in my account but I guess they would have taken what they could. The bank will reimburse the 2.93 and send out a new card. Im still puzzled how it was done but I guess thats how they get away with it!

OP posts:
londonrach · 22/12/2014 13:59

Well done your bank. Flowers

Suefla62 · 22/12/2014 14:07

There's only so many combination of sixteen digits. Scammers will try a very small payment (like you 2.93). If it goes through they know they've found a valid card number, then they go for the big money (the 1600). Good job by your bank.

Original poster
CyclopsBee · 22/12/2014 20:43

I DONT BELIEVE THIS
DH has just checked his bank online, (different from mine) and £30 has been taken, an over the phone transaction apparently to O2 which he has no dealings with and didn't make the payment. He is currently trying to phone themShock
WTF

OP posts:
Janek · 22/12/2014 21:04

I've had exactly this - £30 to O2 on my credit card, at Christmas, when I have nothing to do with O2. Obviously i queried it and cancelled my card.

I mentioned this to my brother a while later and a long time after this he had the same thing happen on his debit card. He could have thought it was my sil making a random transaction, as is her wont, but my story rang in his head and he queried it too. Strangely specific repetitive scam...

TheBooMonster · 22/12/2014 21:07

yikes cyclops perhaps worth contacting all of your banks (assuming you have accounts with multiple banks) and allerting them to the attempt that's been made on your account an getting them to put a watch on your accounts and cancel your cards and get new ones out to you. I don't suppose there's any chance you've chucked away bank statements or letters without shredding them? for two accounts in your house to have been targeted is quite concerning...

Original poster
CyclopsBee · 22/12/2014 21:10

The bank have said it's nothing to do with O2 Confused
They haven't stopped his card but are 'aware' of it!
He's just gone to get some petrol now, so will be interesting to see if the bank pick it up,
They don't seem as hot onto it as my bank was, although they said he will get the £30 back

OP posts:
Original poster
CyclopsBee · 22/12/2014 21:14

theboomonster I don't get statements, it's all online, DH gets statements but is really anal with them and they are all neatly filed. We do have a shredder. Does seem strange it's 2 different bank accounts under the same household. Have warned the DCs to keep an eye on theirs.
what a fucking liberty is all I can say!

OP posts:
FryOneFatManic · 22/12/2014 21:15

If both you and your DH have been scammed in a very short sequence of time, perhaps you need to get your pc checked out to see if you've got some programme on there that shouldn't be there. I'd suspect something's been downloaded that's taking or has taken info off your pc.

I got defrauded a few years ago. Bank wouldn't give me the full details of how they found out (security, etc). But there had been a pattern. A random very small amount to check the card and numbers are live, followed up by larger sums going out. I got it all refunded. DP, at a different time (couple of years later), got a call from his bank asking about an attempted transaction in Philadelphia. Bank had stopped the transaction, but called him to check, so he got a new card.

divingoffthebalcony · 22/12/2014 21:22

The one time my credit card was defrauded, it was £30 to O2 as well.

That's basically a test transaction. Once that is proven to work, the BIG transactions start.

Don't understand why the bank haven't cancelled his card?

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