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My card was declined at a restaurant tonight, so on my return home I logged in to my bank account to discover that someone has spent ?2300 at a food & wine place in Nottingham using my switch card details. I feel totally sick as a pig and am wondering if anyone who's been through this has any advice on how I can get my money back asap. I have cancelled the card and have to wait until tomorrow morning to report it to my bank's fraud department.


One thing that really irritated me was that the woman at HSBC immediately suggested that I might want to purchase "fraud protection" to prevent it happening again. The implication being that I'm partly to blame for not doing this. Thanks! Thanks also for using my misfortunte as a sales opportunity.


The weird thing is I had been reading about this lately on this very thread, wondering if it would happen to me. I am so gutted :'(

James,


I had my card cloned last year, unsuspectantly losing approx 1000 GBP taken out at various ATM's in Holland. I spotted 2 transactions on my online statement, cancelled the card with the bank who then informed me that there were another 4 transactions waiting to be processed. All I had to do was wait a couple of days to ensure all transactions came up on my bill and then write to my bank detailing the fraudulant transactions and they refunded the money straight away. At the time the bank suggested it was probably a petrol station as at the time it was common to for the cashier to swipe the card and get put the card in the Chip'n'pin device hence gettingh you card details and your pin ( from cctv).

Reported it to the police yesterday, got the all-important crime number and my bank's fraud dept have already put the money back in my account. Now they're sending me a form to fill in and hopefully that should be that.


All the same I feel totally violated and annoyed that these scammers must be making a mint out of us all.

James - good to hear the money side is sorted but I know what you mean by violation


My partner fell victim to the double-person scam at a cash point and immediately rang her bank to find $500 already gone -once again the bank handled it well but the paranoia lingers

Cover up your Pin's guy's - be it at cash m/c's, Sainsbo's, the dodgy Petrol Station with cameras in the a/c unit (located near the LL roundabout!). In this day and age its a bit like having unprotected s3x!


I have developed a one-handed technique where I am able to cover all of the digits on the keypad with my hand and slide my thumb underneath to punch in the relevant numbers - took a bit of practice (sad I know), but keeps me protected!

Trevor macdonald had a programme on this some weeks ago. Apparently they get your pin number by tampering with the machine unit so it stores the numbers as you type them in, the same system of the so called lebanese loop used at Barclays on LL last year. Numbers were recorded using the same system and the card wasnt given back. The thief then comes along takes of the unit and has the card and the pin and your money


The first port of call is to contact the banks as the police cannot and do not want to handle it. This is not the first time its been said on this thread.So covering with your hand may not be enough these days.

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