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Original poster

Please help! Feeling so sick - Card cloned and they have spent £1000's this weekend

22 replies

Pisces · 14/08/2006 08:55

I got a phone call at 7.50am this morning. I was not happy to be woken up! The lady at the other end said she wanted to speak to Mr R XXXX. I said we have a Mr I but not a Mr R. She said she had received an order over the internet this weekend, our card, our address but delivery elsewhere. I said I would get my dh to call her. I thought why was he ordering that??? Phoned dh, he phoned her back, turns out it is not an order he placed. She advised us that she would stop the order but we were to get in touch with our bank. DH is speaking with the bank at work at the moment. Apparently this weekend his/our card has been used to spend several thousands of pounds all over the place!!!!! What happens now? I am feeling so sick. What are we liable for??? Does anyone know?

OP posts:

janinlondon · 14/08/2006 08:58

You are not liable for anything you didn't spend yourselves. Don't panic. The bank will sort it. Incidentally, how do you know your card was cloned?

charliecat · 14/08/2006 09:01

What are the bank saying, you didnt give out any details on the phone did you?

CantSleepWontSleep · 14/08/2006 09:01

It's very unlikely that you'd be liable for any of it. We had a card cloned a few years ago, and didn't have to pay a penny of it. Was all the spending on the internet do you know, whereby they were able to bypass chip and pin? If not then the bank may question how they knew your PIN.

RubyRioja · 14/08/2006 09:02

This reply has been deleted

Message withdrawn at poster's request.

Megglevache · 14/08/2006 09:05

Message withdrawn

popsycal · 14/08/2006 09:08

this has happened to me twice - nto cloned, but they have sent money on my card - and I am so careful with receipts etc.
first thime, someone was spending money in france while i was making transactions in the UK and the bank got back to me straight away

second time someone bought 2000 worth of carpets (why??) and a computer on the phone straight after one another. again, the bank got onto me straight away
they refunded me qithout question

feel horrible though doesnt it

Original poster

Pisces · 14/08/2006 09:11

Oh thank you all of you!! The only reason we knew was that this lady on an internet ordering was suspicious - the goods they ordered were to go to another address which was not the card holders. Apparently they have been ordering all over the place. The bank fraud squad are now into it. It was all on my dh's card and not mine they say but they are going to be ringing me to check my spending this weekend. The bank say that because it was over the weekend, there would have been automatic authorising codes given so it has to go through our bank account still. They have stopped dh's card now.

OP posts:

Original poster

Pisces · 14/08/2006 09:13

I still feel so sick! It has been a big shock. Thank goodness that lady was suspicious.

OP posts:

Original poster

Pisces · 14/08/2006 09:15

Do we have to notify the police as well?

OP posts:

popsycal · 14/08/2006 09:18

the bank deal with that
you dont need to do anything

shhhh · 14/08/2006 11:50

My credit card was also used online. I only had it for a balance transfer so never spent anything on it. It was when I got my statement that I noticed a transaction for around £500 to a company I had never heard off.! I googled it and it was a computer company..neither dh or I had made the purchase..

It was investigated by the fraud team and my account put on hold and I must admit it was worrying during this time as noone could say 100% that I wouldn't be liable for the payment.
Turns out no proof of me making the transaction could be provided. The payment was erased from my card.

Good luck but it does make you feel sick at the thought...

wannaBe1974 · 14/08/2006 12:20

My credit card was cloaned a few weeks ago. The person in question used the card to sign up to several online internet gambling sites, not ve clever imo as what would they have done had they actually won? lol. Anyway was made aware when the finance department of one of the sites called me to check details and i said I hadn't signed up. Dh called barclaycard and they sent us a statement to sign to show what transactions weren't ours. You're not liable for anything. the only thing I will say though is that if it's a debit card that has been cloaned as opposed to a credit card, then actual money will have gone out of your account and it can take up to 90 days to get it back.

Original poster

Pisces · 14/08/2006 12:39

It was dh's debit card. . So what happens to things like our REAL direct debits - i.e. mortgage etc. If everything is put through (and dh has reeled off a load of transactions that the bank say happened this weekend), we shall be way overdrawn. Do banks allow dd's to happen if they are investigating the fraud? I don't want to be in a position where we cannot pay the mortgage. .

OP posts:

popsycal · 14/08/2006 12:52

mine was a debit card - but i was in a position where they rang me immediatelyt and reinstated the money

lizziemun · 14/08/2006 13:06

this happen to my sister once to her credit cards luckly for her the stupid personwh did it paid a parking fine by her card so they were able to trace him.

the second time someone stoll a cheque book from the post and wrote over twenty thousand pounds worth of cheques she only found out when she went to get some money from the hole in the wall. She nearly passed out when she the overdraft figure got straight on to her bank who put all the money back asap, as they coiuld see from her account history that she have never written out cheques these amounts. They could see that she only wrote 4 cheques a month and always the same amount.

Bugsy2 · 14/08/2006 13:26

Don't worry too much Pisces, the bank will sort all this out for you. You will be sent a list of contested expenditure & you sign a form stating that none of the dodgy payments were made by you & then the bank will refund all the money to your account.
They will also terminate your current debit card & send you out new ones. No need to worry about regular payments that go out from your account, these remain unchanged.
Sadly, my card has been cloned twice now in the last 2 years. Pain in the ar$e, but no more than that.

Chandra · 14/08/2006 14:35

Not to further scare you but hope the woman has not provided you with a phone number to ring.

My father received a call like this from "his" bank, was told to give full details on another line and... we suspect, they went into spent 8000 from there as the bank had not a clue/report of what was going on until he contacted the bank, in person, when he didn't hear more from them.

Original poster

Pisces · 14/08/2006 21:03

It is getting worse . DH has just opened his post (late home tonight) and one of the letters is from HM Revenue & Customs asking him to confirm his details etc as they don't quite tie up with what has previously been on their records. This letter is addressed to Mr R xxxx and that is the same initial that was used for the fraudulent card use. I have also checked out the websites I can see on our Internet banking that are coming through and one is for a website that gives out info on people regarding deaths/births/marriages etc. This looks like IDENTITY FRAUD.

OP posts:

charliecat · 15/08/2006 20:21

OMG what a nightmare What has the bank done?

lemonaid · 15/08/2006 20:31

Contact credit reference agencies and ask for a note to be put on your files stating that Mr R Xxxx does not exist, has never lived at that address, and is an identity being used by a fraudster.

grumpyfrumpy · 15/08/2006 20:36

This reply has been deleted

Message withdrawn at poster's request.

mrsdarcy · 15/08/2006 21:55

I think there has recently been a scam that had something to do with payment machines at one particular petrol station, which enabled the scammer to get access to PIN numbers. The incident I know about was sorted out v quickly by the bank.

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