I've been robbed

  Legolas 21:54 29 Nov 2011
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I was paid today so I was checking my bank account this morning and noticed a payment that I did not authorise, £171.20 to the Travelodge website, I have never been in a travelodge in my life so I was straight on the phone to my bank HBOS,they informed me that I had two transactions not yet authorised one for over £400 for plane tickets to Morocco and one for £300. Needless to say they were instantly cancelled and the £171.20 was returned to my account. The card was cancelled and I have spent the night formatting my computer. I have no idea how they got a hold of my details but suddenly I am much more careful about using my card online. Not a pleasant expeprience

  Autoschediastic 07:52 30 Nov 2011

Legolas Scum of the earth aint they! why dont they use their hacking knowledge in a positive way?

i do feel so sorry for you although you've had the money put back in its the point and principle! scan ur pc in the future with "malwarebytes" ive used it for many a year & its 100% trusted here is the link: Prog Here Its FREE!

i guess IF the person who did this bought some flight tickets they would be very easy for the police to track down!

  Legolas 08:36 30 Nov 2011

Autoschediastic unfortuneatly the tickets were for a flight to Morocco so I fear the bird has flown. I have the latest Norton installed thanks to PC Advisor but something must have slipped through. A lesson learned....hopefully.

  Autoschediastic 08:58 30 Nov 2011

Legolas yea its worrying isnt it! one of my best friends who's used pc's since the days of ZX Spectrums who i would class as very experienced in computing got a virus last week, it was one where he even called me to ask for ideas how to get rid of the damn thing, he had used every bit of software like McCafee and malwarebytes also windows security progs and NONE of them got rid of this virus?

He went into safe mode & it still was there on normal boot? he also restored his pc to a few days earlier..still the same? ive never come into anything like this before he sent me a screenshot from his mobile & it was stating that he had been exposed for looking at child porn & that "They" the creators of the virus would delete the virus "IF" he paid $100 to the link provided? (Cheeky sob's) basically his pc froze on boot and had this Bold text all over his desktop...now he did get rid of it in the end via a Format just to be safe, i wonder how many people who have little or no knowledge of PC's have paid these scumbags?

I said i think it was what is known as a "Boot time virus" ive not heard of one of them for years...

  Legolas 13:52 30 Nov 2011

I have looked at the what I have bought over the last month and where, if online or in retail outlets and it all is more or less the usual ones, except for a cash machine at a Branch of Bank of Scotland that I normally don't use and a cash machine at the local Morrison’s also which I have never used before. I suppose I will never know just have to be extra careful in the future. I was impressed with my bank who refunded the £171.20 within half an hour of me contacting them and hadn't authorised the other two transactions because they thought they were suspect.

  Legolas 13:55 30 Nov 2011

Sorry alan14 meant to answer your query. This is my main bank account debit card which I use all the time to pay for goods in retail outlets, online and to withdraw cash.

  bremner 14:09 30 Nov 2011

Legolas

I am with alan14, cloning or obtaining the pin number during a retail transaction is by far the most likely explanation.

Mt wife's card was done in a petrol station 4 or 5 years ago.

  johndrew 14:43 30 Nov 2011

A suggestion for you all.

If you speak to your bank or card supplier, you can arrange a credit card with a maximum authorised limit of, say, £250, £500 or £1000 which you can use only online or in unusual locations. The maximum credit limit provides protection as any sum above the existing, unspent limit will be automatically questioned on presentation of the card and in the event it is used fraudulently you will have the protection generally offered by the credit company concerned.

I agree that if you draw cash against it it will cost a bit more.

The other option is to open a second bank account which you can top up manually from the 'main' account (that way they are not linked) and use the cash card from this satellite account for anything you may consider a potential risk. This, overall, has less safeguards than a credit card but is more flexible.

Unfortunately I know of no way to protect against a 'main' card in regular use being used fraudulently other than all the usual recommendations and the full application of Sharia Law as used in Saudi Arabia to those who wish to steal from us.

  SparkyJack 08:41 01 Dec 2011

This has happened to me twice in the past and it was my bank that picked up the mischief

1st was a large purchase from a firm based in Ireland to a shipping address in E London[I live in Kent] and was followed my by another which the seller blocked- They did not say but I deduced the likely seller was DELL.

Second was ATM attempts in Marrakesh- On this occasion I was phoned at 8 in the morning by the bank to confirm that I was not in that location at the time,

In each instance by checking my recent card activity - seemed to pin it to a local BP filling station.

Filled your car lately Logolas?

  SparkyJack 10:01 01 Dec 2011

Bingalau The automated card in the slot refueling has been a longtime coming as protection from 'drivaways'

I recall when working for the main dealer ship I did a few turns on the late shift at the filling station. There was an occasion when suddenly a 'flock' of vehicles came in including a van to the pump out side the pay window-

When all was done there was a pump charge un paid for - it seemed to be a 'setup' Cant do that now with Card pay pumps - but a long time coming.

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