HangTheDJ Posted March 29, 2009 Report Share Posted March 29, 2009 similar thing has happened to mei logged into my online banking and saw over a 3 day period some company has charged me 14.99 seventeen times (£254)rang halifax, they said it looks like "card fraud" and have sent me some documents i need to fill out and return to them (they haven't arrived yet).if its me whos put my details on a dodgy website a few years ago and theyv kept them and charged me now then it surely is my fault and they wont give me the money back?i'm not expecting it back tbh, but this thread has made me think that perhaps they might give it me?It's still an unauthorised transaction and they have to refund it, and pretty sure your covered by the 'law'credit cards fraund with a value of £100-30000debit cards are not, bt dependin on the bank and the transaction they may refund itdebit card, pissed Quote Link to comment Share on other sites More sharing options...
StreetDreams Posted March 29, 2009 Report Share Posted March 29, 2009 similar thing has happened to mei logged into my online banking and saw over a 3 day period some company has charged me 14.99 seventeen times (£254)rang halifax, they said it looks like "card fraud" and have sent me some documents i need to fill out and return to them (they haven't arrived yet).if its me whos put my details on a dodgy website a few years ago and theyv kept them and charged me now then it surely is my fault and they wont give me the money back?i'm not expecting it back tbh, but this thread has made me think that perhaps they might give it me?It's still an unauthorised transaction and they have to refund it, and pretty sure your covered by the 'law'credit cards fraund with a value of £100-30000debit cards are not, bt dependin on the bank and the transaction they may refund itDebit cards are covered.Though debit cards, like credit cards, are covered under Regulation E, the credit card issuer still has up to 60 days to reimburse consumers. The amount of reimbursement depends on when the issuer is notified of the theft or loss. If he notifies the issuer within the first 48 hours, the consumer's liability is limited to $50. If notified in more than 48 hours, but in less than 60 days, then the consumer liability is limited to $500. If notified quickly, most issuing banks historically have taken the full liability for credit cards, even though they're not required to. For signature-based cards, both card associations have zero liability policies that protect the cardholder if: * The account is in good standing. * The user has exercised "reasonable care" * The user hasn't reported an excessive amount of unauthorized events (e.g., successive months of unauthorized purchases.) What constitutes "reasonable care" isn't clearly defined, points out Jeff Green, Editor of ATM & Debit Card News. Additionally, PIN-based transactions may not be corrected as quickly as signature-based transactions. The issuer may not accept partial or full liability for the PIN-based transactions. Again, it's the method of payment an immediate deduction from the cardholder's account that poses potential major problems. Even if the issuer reimburses the holder, it could be as much as 60 days before the money is back in the account. That's still plenty of time to be without the money. With many American's living from paycheck to paycheck, a $500 loss will mean unpaid bills, bounced checks and a negative credit rating. The checks or automatic payments (e.g., utility company monthly payment plans) are particularly troublesome because the account could be cleaned out quickly. The owner may not know until he receives the first default payment notice, then needs to go through the challenge and wait 60 days until recovering lost funds assuming he's successful in the challenge. Even though merchants aren't generally liable in instances of debit card fraud unless they're found to be committing the crime themselves‹ they can suffer serious consequences. In addition to the chargebacks, customers can have real or imagined concerns that the merchant was to blame for the error, and for the customer's ensuing challenges in getting reimbursement. If the word gets out that a merchant, particularly a small one, has been the subject of widespread card fraud, consumers will avoid doing business with him, Berry added. Steps are being taken to guard against online debit card fraud. Requesting a driver's license or another form of identification is on unobtrusive way to further confirm the identity of a cardholder. Additionally, companies provide technology that quickly identifies suspect transactions, enabling the merchant to deny immediate acceptance of an order until further verification can be made. The card associations and vendors also offer software to merchants and processors that help them detect fraud through the use of neural networks and profiling which look for fraud trends to flag potentially fraudulent transactions.The amounts are the same but in £, I.E £50But SERIOUSLY THOUGH HOW IS MAN GONNA MAKE THE SAME TOPIC ALMOST 2 MONTHS AGO?VIP2 GASSERS. Quote Link to comment Share on other sites More sharing options...
HangTheDJ Posted March 29, 2009 Report Share Posted March 29, 2009 ok now my minds at rest againeither way i'm only gonna be buying off trusted merchants online now Quote Link to comment Share on other sites More sharing options...
Ella Posted March 29, 2009 Report Share Posted March 29, 2009 what website are you using?when u get to the payment page, check the bottom right hand corner. There should be a little padlock there which shows that the website is encrypted and securedif it isnt there, DONT ENTER YOUR DETAILSonly use trusted websites as well. but always look out for the padlockyep. If I don't see https and a padlock then I just don't do it.and the way I hawk my card whenever I use it when I'm out... I watch the real hustle too much. Quote Link to comment Share on other sites More sharing options...
The Somalian Posted March 29, 2009 Report Share Posted March 29, 2009 exact same sh*t happened with my girl the other week Quote Link to comment Share on other sites More sharing options...
djbmc Posted March 29, 2009 Report Share Posted March 29, 2009 lol, i made pretty much the exact same post in the other topic, and have absolutely no recollection of it whatsoever. Place is making me brain dead. Quote Link to comment Share on other sites More sharing options...
DAT_YOUT_FROM_E15 Posted March 29, 2009 Report Share Posted March 29, 2009 This happened to the missus, fat cunts ordered £30 worth of curry every night for a fortnight.LMAO Quote Link to comment Share on other sites More sharing options...
Meticulous Posted March 29, 2009 Report Share Posted March 29, 2009 This happened to the missus, fat cunts ordered £30 worth of curry every night for a fortnight.How long did it take for her to get her money back? Quote Link to comment Share on other sites More sharing options...
GoldCoast Posted March 29, 2009 Report Share Posted March 29, 2009 never happened and never will happen to me Quote Link to comment Share on other sites More sharing options...
Guest Triple XXX Posted March 29, 2009 Report Share Posted March 29, 2009 similar thing has happened to mei logged into my online banking and saw over a 3 day period some company has charged me 14.99 seventeen times (£254)rang halifax, they said it looks like "card fraud" and have sent me some documents i need to fill out and return to them (they haven't arrived yet).if its me whos put my details on a dodgy website a few years ago and theyv kept them and charged me now then it surely is my fault and they wont give me the money back?i'm not expecting it back tbh, but this thread has made me think that perhaps they might give it me?It's still an unauthorised transaction and they have to refund it, and pretty sure your covered by the 'law'credit cards fraund with a value of £100-30000debit cards are not, bt dependin on the bank and the transaction they may refund itDebit cards are covered.Though debit cards, like credit cards, are covered under Regulation E, the credit card issuer still has up to 60 days to reimburse consumers. The amount of reimbursement depends on when the issuer is notified of the theft or loss. If he notifies the issuer within the first 48 hours, the consumer's liability is limited to $50. If notified in more than 48 hours, but in less than 60 days, then the consumer liability is limited to $500. If notified quickly, most issuing banks historically have taken the full liability for credit cards, even though they're not required to. For signature-based cards, both card associations have zero liability policies that protect the cardholder if: * The account is in good standing. * The user has exercised "reasonable care" * The user hasn't reported an excessive amount of unauthorized events (e.g., successive months of unauthorized purchases.) What constitutes "reasonable care" isn't clearly defined, points out Jeff Green, Editor of ATM & Debit Card News. Additionally, PIN-based transactions may not be corrected as quickly as signature-based transactions. The issuer may not accept partial or full liability for the PIN-based transactions. Again, it's the method of payment an immediate deduction from the cardholder's account that poses potential major problems. Even if the issuer reimburses the holder, it could be as much as 60 days before the money is back in the account. That's still plenty of time to be without the money. With many American's living from paycheck to paycheck, a $500 loss will mean unpaid bills, bounced checks and a negative credit rating. The checks or automatic payments (e.g., utility company monthly payment plans) are particularly troublesome because the account could be cleaned out quickly. The owner may not know until he receives the first default payment notice, then needs to go through the challenge and wait 60 days until recovering lost funds assuming he's successful in the challenge. Even though merchants aren't generally liable in instances of debit card fraud unless they're found to be committing the crime themselves‹ they can suffer serious consequences. In addition to the chargebacks, customers can have real or imagined concerns that the merchant was to blame for the error, and for the customer's ensuing challenges in getting reimbursement. If the word gets out that a merchant, particularly a small one, has been the subject of widespread card fraud, consumers will avoid doing business with him, Berry added. Steps are being taken to guard against online debit card fraud. Requesting a driver's license or another form of identification is on unobtrusive way to further confirm the identity of a cardholder. Additionally, companies provide technology that quickly identifies suspect transactions, enabling the merchant to deny immediate acceptance of an order until further verification can be made. The card associations and vendors also offer software to merchants and processors that help them detect fraud through the use of neural networks and profiling which look for fraud trends to flag potentially fraudulent transactions.The amounts are the same but in £, I.E £50But SERIOUSLY THOUGH HOW IS MAN GONNA MAKE THE SAME TOPIC ALMOST 2 MONTHS AGO?VIP2 GASSERS.im pretty sure that USmaybe the UK regulation has changed since banks nearly copplapsed, coz as i recall debit cards er covered under whatever law they call it Quote Link to comment Share on other sites More sharing options...
hhhhhhh8 Posted March 29, 2009 Report Share Posted March 29, 2009 Don't use your card to order food over the phone. Quote Link to comment Share on other sites More sharing options...
Guest Lisa Turtle Posted March 29, 2009 Report Share Posted March 29, 2009 The basics:Online shopping...you need that padlock in the cornerUse a f*ck*ng credit card for goodness sake.I never use a debit card to buy anything online.From any website. Quote Link to comment Share on other sites More sharing options...
StreetDreams Posted March 29, 2009 Report Share Posted March 29, 2009 The basics:Online shopping...you need that padlock in the cornerUse a f*ck*ng credit card for goodness sake.I never use a debit card to buy anything online.From any website.lol and remember not to take advice from women/dumb shits. Quote Link to comment Share on other sites More sharing options...
ndz1325356895 Posted March 29, 2009 Report Share Posted March 29, 2009 This happened to me last week...So sh*t. Quote Link to comment Share on other sites More sharing options...
Jam Posted March 29, 2009 Report Share Posted March 29, 2009 swear this happend to u before?? in some next threadsure it has.same guy got asked the time and thought he got moved to.jus sayin*edit*jus checkedhttp://www.vip2.co.uk/forum/index.php?show...t=0&start=0r u tryna punk us or suttin? is this a sick joke?wtf Quote Link to comment Share on other sites More sharing options...
Greens Posted March 30, 2009 Report Share Posted March 30, 2009 I never use my card in petrol stations, them Sri Lankens are on it hard.LOL at the topic repeat, not like it flopped and only got 1 response last time round. Explanation needed... Quote Link to comment Share on other sites More sharing options...
HangTheDJ Posted March 31, 2009 Report Share Posted March 31, 2009 got my money backhalifax sent me a ltter todaybasically a retailer i had bought something from in the past did it "accidentally"dunno how it happened but they offered to give the money back straight away and its back in my accountclass Quote Link to comment Share on other sites More sharing options...
Uncle Man Posted March 31, 2009 Report Share Posted March 31, 2009 confirmation that this guy routinely fantasizes about being a victim of internet credit card fraud anyone? Quote Link to comment Share on other sites More sharing options...
Uncle Man Posted March 31, 2009 Report Share Posted March 31, 2009 Quote Link to comment Share on other sites More sharing options...
E.A.S.E Posted March 31, 2009 Report Share Posted March 31, 2009 Its not just online, if you use your card to buy anything in any shop your details are on the receipt and anybody in that shop has accesss to your bank details and it can happen that way! Quote Link to comment Share on other sites More sharing options...
Aquaman Posted April 1, 2009 Report Share Posted April 1, 2009 just copped a louis bag using the deets.hope it dont get cancelled.oh n this sh*t happened to me before like 3 years ago. and it wenrt even a debit card or credit card. n they got me for over a bag happened whilst i was ill in my yard n they withdrew the limit each day for like 4 days tbh id like to fraud myself n claim the pees back.someone pm me about that Quote Link to comment Share on other sites More sharing options...
Meticulous Posted April 1, 2009 Report Share Posted April 1, 2009 just copped a louis bag using the deets.hope it dont get cancelled.oh n this sh*t happened to me before like 3 years ago. and it wenrt even a debit card or credit card. n they got me for over a bag happened whilst i was ill in my yard n they withdrew the limit each day for like 4 days tbh id like to fraud myself n claim the pees back.someone pm me about thatWho do you bank with? Quote Link to comment Share on other sites More sharing options...
Eskay Jones Posted April 1, 2009 Author Report Share Posted April 1, 2009 Those who would actually think i'd waste everybodies time to fabricate a story about this have mental problems, I was using sites online to buy various goods this one site i've been using since December 08 is the reason why my card got skimmed twice in 2 months. Quote Link to comment Share on other sites More sharing options...
Guest Wu-Tang Posted April 1, 2009 Report Share Posted April 1, 2009 Methinks the lady doth protest too much. Quote Link to comment Share on other sites More sharing options...
Brandnew Posted April 2, 2009 Report Share Posted April 2, 2009 Those who would actually think i'd waste everybodies time to fabricate a story about this have mental problems, I was using sites online to buy various goods this one site i've been using since December 08 is the reason why my card got skimmed twice in 2 months.wat site is this... Quote Link to comment Share on other sites More sharing options...
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