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AIBU?

Share your dilemmas and get honest opinions from other Mumsnetters.

Original poster

to be absolutely fuming

75 replies

HSBCD · 25/01/2019 23:27

Posting here for traffic

last month I posted about debit card fraud situation I was in. I had a new card delivered to me but I never received it and next thing I know someone had spent £500 of my money with the card, I managed to get the money back from the bank but it was a "you're not a victim anymore because we have refunded you so that's our job done" kind of thing. It was horrible because I just needed to know who it was, I have three flatmates who I still don't know that well

Anyway after a few weeks I decided it couldn't have been any of my flatmates, (or that's what I wanted to believe) I thought they'd have to be fucking brave to do it, convinced myself it had accidently been delivered to a neighbour who was a chancer or maybe even a dodgy postman. I even addressed a few letter to myself with stamps on and a parcel and left them by the front door as a sort of 'test' and nobody took them.

So tonight after I get in from work I pick up a few letters odo the floor and put them on the kitchen table, there was two for one of my flatmates, a sorry we missed you card (not mine) and a letter from my bank which I knew was coming and had no personal information because it was a duplicate letter, it was basically just about the case and I was told by my bank to just throw it away. Forgot to take it upstairs with me, hear one flatmate come in and he collects his post from the table, I come back downstairs for something and still see my letter and the sorry we missed you card still there, forgot to take it to bin it again, hear someone else come home, just now I've gone to go get the letter and it's fucking gone so I know exactly who it was now. They know about the situation because I messaged everybody when I decided it wasn't any of them. All I want to do right now is bang on their door and kick off, thinking of just sending a message to the whatsapp chat telling them my letter that was there an hour ago is now gone, honestly I don't know what to do, I'm mostly writing this to vent. Sorry about the terrible grammar I'm just so annoyed

OP posts:
HeebieJeebies456 · 26/01/2019 09:48

You have to use the PIN once on the card before Contactless is enabled
I've never used the pin on my contactless card it arrived activated and a pin.

You do need to report it to the police OP, esp seeing as you've been a victim of card fraud Hmm

Romanov · 26/01/2019 09:52

So do you know where the online shopping was done?

There would have been no issues with the address being different

Eminybob · 26/01/2019 09:53

If the card was used on line, what address were the goods sent to? I would have thought your bank would have investigated that to make sure it’s genuinely fraud before refunding you.

Original poster
HSBCD · 26/01/2019 10:22

All the online retailers appeared on my statement, that's how I knew someone had used my card in the first place

The bank won't find out what address they were delivered to

I even tried to ring the retailers at the time to find what address they had been delivered to but none of them could tell me without an order number because it was apparently a breach of privacy even though it was my card that was used

OP posts:
Ladyoftheloch · 26/01/2019 10:32

How do you know it wasn’t the first flatmate coming back out of his room and taking it? I think it could be either of them.

Spidey66 · 26/01/2019 10:47

If they've got the same bank as you, it could easily have been they recognised the logo, assumed it was for them, and took it in error without even looking at who it was addressed to. Even if they opened it, it still could have been in error. You need to ask them and judge their reaction before making assumptions.

Sexnotgender · 26/01/2019 10:51

The bank have done nothing wrong. You’ve suffered no financial loss.

Actually they are the victim in this as they have taken the loss.

If you don’t trust your flat mates then find somewhere else to live. The police might be interested but I doubt it.

TurtleEyes · 26/01/2019 11:02

I think it could have been either flatmate as they were both there at the time. But a letter is easily picked up accidentally and even if they have the letter it doesn't mean they took the card. It could have been a visitor maybe?
You can contact the police, in our old flat we had post boxes outside and were easy to break in to. We got a visit from the police one day because they had arrested someone on a drug charge and while searching his home they found some of DH mail, plus others from our flats and surrounding streets. DH is waiting to hear whether he has to give evidence in court on mail fraud charges, basically just to say he didn't give him his mail and he doesn't know him. Since you seem to have a limited suspect pool police might just be able to have a chat to your flatmates, or their involvement might prompt the letter to turn up or ensure nothing else goes missing if they are involved?

Original poster
HSBCD · 26/01/2019 11:24

I have spoken to flatmates, nobody has seen it apparently

Have reported to police anyway

OP posts:
Original poster
HSBCD · 26/01/2019 12:43

Police aren't interested because I got refunded, just seems a bit shit that they've gotten away with it. Will move out as soon as I'm able to

OP posts:
TeaByTheSeaside · 26/01/2019 13:10

Are you able to access this flat mates room when she's out? I'd be inclined to have a look round and see if I could find anything.

Other than that my advice would be

  1. lock the door to your room and keep it locked at all times.

  2. arrange for your post to be sent to a trusted persons address/ held at the post office for collection.

And be vigilant at all times. You now know you're living with a thief.

Sexnotgender · 26/01/2019 13:24

Yes they have got away with it. Unfortunately fraud is so rife that unless you're talking hundreds of thousands then the police won't touch it.

I used to work for a bank and there is very little they can do other than refund you.

JenniferJareau · 27/01/2019 07:17

I had my credit card used fraudulently and the credit card company couldn't have given less of a shit. They immediately refunded the fraudulent transactions but when I asked if they would tell the police so they could be there at the address when the deliveries arrived they were like 'no'. It was like it was a 'cost of doing business' attitude.

ReflectentMonatomism · 27/01/2019 07:49

It was like it was a 'cost of doing business' attitude.

You say that like you are surprised.

There are all sorts of ways debit card fraud could be made harder. They also cost money, more money than debut fraud costs. Do you want to pay for banking where frauds costs more than it currently does?

Weirdwonders · 27/01/2019 07:58

Just tell the flatmate you know it was there because you saw it and it was gone after they came in and picked up the post! FGS how blatant can someone be!

Weirdwonders · 27/01/2019 08:01

And if I was innocent, I’d be taking great care not to absent-mindedly be picking up bank letters addressed to a flatmate who I know to have been the victim of credit card fraud.

JenniferJareau · 28/01/2019 17:50

@ReflectentMonatomism

I was surprised because the company they had defrauded was the one I actually worked for and it was a credit card 'owned' by the same store i.e. Tesco credit card.

The thing is we all DO pay more due to fraud. No company writes fraud off, if gets recouped in the costs of goods and services that are charged to customers and other businesses. It just isn't a visible cost.

ReflectentMonatomism · 28/01/2019 17:58

The thing is we all DO pay more due to fraud.

We also pay for fraud prevention. If the fraud prevention costs more than the fraud itself, the costs to be passed on are greater.

Littletabbyocelot · 28/01/2019 18:05

Send a subject access request to all the retailers asking for all the information they hold on you?

JenniferJareau · 29/01/2019 06:58

We also pay for fraud prevention. If the fraud prevention costs more than the fraud itself, the costs to be passed on are greater.

Tackle fraud, cost of fraud goes down, less costs passed on.

Sexnotgender · 29/01/2019 07:04

Tackle fraud, cost of fraud goes down, less costs passed on.

What makes you think institutions don’t tackle fraud?

ReflectentMonatomism · 29/01/2019 07:11

ackle fraud, cost of fraud goes down, less costs passed on.

You hope. Now you just need to show what that curve looks like. You get that financial institutions have thought about this over the years, right?

THEsonofaBITCH · 29/01/2019 07:27

Go to the police?
Smile police have told me directly they don't care about crime under £10,000 value as that is what insurance is for. Welcome to the modern world. Sorry you had to go through this its really depressing (In my case the thief admitted the theft via letter and police still didn't care that there was proof). Absolutely galling!

UnconsideredTrifles · 29/01/2019 07:53

Not particularly relevant, but in defense of the police: DH's wallet was stolen from his vehicle (he left the door unlocked). The card was quickly blocked by the bank after about £150 of purchases, and they then notified us. We called the police and didn't expect anything much from it all.

The bank promptly refunded the money (NatWest) and were able to tell us where the money was spent.

We were assigned a PCSO who checked local CCTV and the pizza shop where the thief decided to get lunch. He didn't get anywhere but I was really impressed that they made the effort, especially over a small (ish) sum.

JenniferJareau · 29/01/2019 08:13

You hope. Now you just need to show what that curve looks like. You get that financial institutions have thought about this over the years, right?

Well aware thank you.

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