View Full Version : Im a victim of fraud!! me! :o(
ShelleyCowie
21-Sep-09, 17:23
Well today as i turned my xbox on to do some updates i got an error message "This gamer tag has been recovered to a new xbox"
So i done the normal trying to recover it back, entering my live ID details etc etc...still nothing. So i phoned Xbox live and had been asked if i have purchased any microsoft points recently. I said no, not in at least 4 months.
So the nice guy on the phone said " i think you gamer tag has been stolen along with your bank details"
What could i say? I was so shocked! The person that has stolen my bank details has already purchased 10,000 microsoft points which is about £85.
So after being on the phone to the fraud team at microsoft for 2 hours i was told to phone my bank and get it under investigation with them.
Phoned my bank and they told me that it would cost me £10 a week for fraud protection!!! How can i pay that with NO money? So put through to another team who said because i wont pay it will take 6 months+ for the investigation and i cant take money out the account. :~(
I was on the phone to the bank for about an hour. So after that i transferred all my payments and standing orders over to my OH's account.
Then not 5 minutes of being off the phone, i got a call from the bank asking me if i had purchased a TV for £3000. Em no...i really had not! Also more items from the internet up to the value of £2500.
All my money is gone, its athruns birthday in 2 weeks and thats what most the money was for! Luckily i will get the money back but not for up to 6 months!
I could just keep crying! Why me?
What a day!!! :~(
Scum...pure scum!, the git who stole your ID...and also your bank, the scum of the earth.
Maybe you should go and speak to someone face to face at your bank, it might be worth a try.
OMG that is terrible, what a shame on you Shelley.
I would get advice from maybe CAB? They might put a bit of pressure on them to get your money back to you sooner, it isn't fair and it isn't your fault this has happened.
Hope u get it sorted out soon.
Katy xx
That's awful that it will take 6 months! I'm with Natwest (English half of RBS) and I had £550 taken from my account the day before my holiday and they put the money back within 48 hours. I'd say change bank! It's the bank that's robbing you! Also as you had reported fraud already on the account the bank had no right to allow the account to be used further so it is their fault!
I really feel for you - it's stomach churning (and mine was for far less!)
I'm really sorry to hear you are in this situation.:~(
Lets hope the toe rags are caught and you get something done about it quickly.
Mister Squiggle
21-Sep-09, 18:25
Shelley, really sorry to hear about your dramas.
A good friend of ours had his details stolen using a skimming thingy at a cash machine and there were a lot of items bought using his credit card before he even realised what was going on. He got nowhere until he went into the local branch of his bank in person and spoke with them face to face.
It might be worth trying to speak to the local staff and see if they can take some immediate action on your behalf.
Here's hoping you get some joy.
if this is your bank card details [debit/electron/visa] that has been gathered then you can do chargeback on the lot.
'bank details' ie A/C + sort code is not usually enough to fleece an A/C.
oh and eitherway 6mts is rubbish!
48hrs max
you need to pop up on the www.consumeractiongroup.com (http://www.consumeractiongroup.com)
just ask tugmistress how much they can help you.
dx
I would get on to Watchdog ASAP. The Bank is just being ...... Well I had better not say here but get in contact with Watchdog or Dom Littlewood off the One Show. Some Bad Publicity for the Bank will work wonders for you.
I really hope that you get everything sorted out sooner rather than later.
Shelley that was a dreadful thing to happen I got an email this afternoo warning me about a Credit Card scam. It is a clever one the caller convinces you it is your card company calling They actually have all your details and numbers except the three on the back that you always require for telephone or online purchases. Because you are convinced it is a genuine call you give them that vital numbers. Did you happen to have had one of these calls recently. At least you know you will get your money back I know you will pull through from reading your posts. And Anthrun will have a great birthday. Keep smiling
Poor Shelley what a shame. You really need to get down to your bank tomorrow and get this sorted face to face. My bank wouldn't have authorised a sale for that amount without prior notification from me. Don't worry you'll get your money back although I don't know why you have to wait 6 months, it's usually a week at the most. My card was used a couple of years ago in a shopping mall in Australia. I didn't know anything about it until my bank telephoned me to ask where I was and then stopped the card when they realised I was in the UK. Don't you worry, Athrun will still have a great birthday no matter what the outcome with the bank, he has you to share it with. Hope everything gets sorted quick. Take care.;)
My god, which bank are you with?
My details where stolen at a cash machine last year. I went to Lidl and my card was declined, thankfully my OH was there and paid. I was still packing the shopping into the car when my bank (Natwest) rang me and asked me if I was in the U.S., I said no of course not I just tried to pay at Lidl. They checked, confirmed the decline and told me somebody was using my details at a cash machine in the U.S., they had drawn out 30 pounds in the morning then 50 pounds at lunch time. They agreed with me to completely cancel my card and send me a new one. Just before they rang me 500 pounds were taken out my account.
I had a new card within 3 days and my money back as well. And I never even knew what was going on, they spotted it and told me.
I had the same when I drew out money in Germany a few years back. Suddenly my card didn't work and my bank rang me. I confirmed that it was me and told them to take Germany off the watch list as I was going there regularly.
Natwest/RBS is also the first bank to change their charges from 38 to 5 pounds from October.
I hope you get it sorted, but certainly get the citizen advise buero involved if you bank insists on 6 months.
DanaFlett
21-Sep-09, 19:24
That is the lowest of the low both my kids are on playstation 3 online and am always worried incase someone hack our account,now that they have bought what they need from it am gonna get Eddie to delete our details am so sorry,x
ShelleyCowie
21-Sep-09, 19:26
Im with TSB, they told me it will take longer because i wont pay for it. Im sorry but i cant afford to pay for it. The money i had was saved for things that are meant to be paid out this week. Thankfully me and my OH was setting up a joint account tomorrow with his bank (RBS).
I will be going in to see my bank too. See what can be done.
I know i will get the money back, but its just the fact the person is still trying to use my details thats really getting to me.
Xbox live are trying to push along the investigation as quickly as possible to redeem what money they can so the bank can get on with it!
I know athrun will still have a great birthday with what we have got for him.
Thanks for all the best wishes guys! Means alot to me.
Just need to stop being so upset now! :confused
Im with TSB, they told me it will take longer because i wont pay for it. :confused
That is Just Blackmail, they should do everything they can to help without being paid any extra. You are their customer and they should be looking after you and their behaviour is just disgraceful.
Create a Fuss in the Bank and you will how quickly they change their minds.
That is the lowest of the low both my kids are on playstation 3 online and am always worried incase someone hack our account,now that they have bought what they need from it am gonna get Eddie to delete our details am so sorry,x
That's a bit drastic, while you're at it you might as well cancel every bank or credit card you have, as Xbox Live or the PS3 Network are no more open to fraud than any of those, Shelley has just been unlucky, there is no need for mass hysteria with everyone paniking.
Im with TSB, they told me it will take longer because i wont pay for it. Im sorry but i cant afford to pay for it.
Shelley, don't for one minute accept that garbage they are telling you, go down to the branch and fight your corner, and once they have sorted it out, close your accounts and take your business elsewhere. RBS are the best to go with, TSB/Bank Of Scotland, and The Clydesdale are to be avoided like the plague.
ShelleyCowie
21-Sep-09, 19:46
That is Just Blackmail, they should do everything they can to help without being paid any extra. You are their customer and they should be looking after you and their behaviour is just disgraceful.
Create a Fuss in the Bank and you will how quickly they change their minds.
Dont worry i will be kicking up a fuss when i go see my bank tomorrow! They wont see the nice side of me unless i am satisfied!
That's a bit drastic, while you're at it you might as well cancel every bank or credit card you have, as Xbox Live or the PS3 Network are no more open to fraud than any of those, Shelley has just been unlucky, there is no need for mass hysteria with everyone paniking.
Gizmo is right, i was just one of the unlucky ones. I have a PS3 aswell and for all i know the same thing can happen on there! And then we have my OH's Xbox live account aswell.
He is actually going to cancel that account and open a new one just to be safe. Dont care about my xbox account, can easily get another.
I have had my 3 cases of bank fraud in the last year...........but all was sorted out within minutes on the phone to HBOS.I certainly did not have to pay for it..............new card was out to me within 4 days and all details on old acct. cancelled even though thr fraudsters were still trying to buy expensive things..they did manage to get a BLACKBERRY..and a holiday in usa.
Am now more wary,but that sadly is life ,now.
so S orry,Shelley............:(
That's terrible -so sorry for you.
I've had a few cases of people getting my details over the internet, but luckily it's been sorted out quite easily. But I can understand how horrible it is for you to go through this. :(
cuddlepop
21-Sep-09, 20:48
Shelly what a horrible situation to be in and like the others have said TSB are being totally unreasonable.
You go get them girl,bet face to face they're more helpfull.
RBS are sometimes too dilligent in stopping my card or refusing a transaction until I contact my branch.Just recently i was left all weekend with no access to the "whole in the wall,"
After your experience I'm not complaining.:eek:
shamrock2007
21-Sep-09, 21:00
Thats terrible. I had someone use my Credit card a few months ago but the Alliance & Leicester were fab & sorted it out straight away. Hope you get it sorted in time for bairns bday
This as a golden example of why you should use CREDIT cards for purchases, especially online and not DEBIT cards.
With debit cards your fraud protection is limited to what the bank provides and how it behaves. Shelly's case shows that can be poor.
With credit cards you are protected by the consumer credit act, and upon issuing a chargeback, the money would be returned to your account in days. This not only applies to fraud but items lost in the post/damaged/deffective etc.
I fell victim to fraud last year for around £500. I found a large number of people had fallen to the same scam via an internet forum. All the people who paid by credit card (inc. me)got their money back, all those who paid by switch or visa debit did not.
Get a credit card, use it for everything, pay it off each month to avoid paying interest and you're protection is greater. You also improve your credit rating for when you might need it later - mortgages etc.
TSB has always been a toytown bank and always will be!
This should be resolved within 48 hours max!
Something doesn't add up (along with your A/C right now)
6 Months to investigate unless you pay up!!!!!! WHAT? They are worse than the crooks that stole the ID.
Cards of some description must have been used surely, they can be charged back almost immediately.
£520 a year for insurance!!! and you cannot use in retrospect. So they are saying they can sort it but the want you to buy something first.
I know people that for £500 will get all you money back and the testicles of the scum that fleeced it.
Tell the manager in the morning they have until noon to start getting this resolved or you go to the press for starters.
Shelley - thats horrible!
I'd certainly go into your branch asap. I've been with the TSB for years and think they are great.
I have been the victim of fraud before and my bank manager was great! Money was refunded to me within 24 hours, a new account was set up and all direct debits etc transferred over effortlessly. Daryl certainly made an upsetting experience better!
PS off to tell my son to delete my bank details from his x-box live account!
bobbyrussell09
21-Sep-09, 21:56
aw no ma poor shelley ,what a situation to be in ,you never think it could happen to you.will give you a big hug when i see ya next x x x x
ShelleyCowie
21-Sep-09, 22:36
Thanks for the wishes all!
I have an update, have reset my windows live ID to see if i could recover my gamer tag. I logged on to xbox.com and found the person who has taken my account.
They have changed my gamertag name to SNAKESHOT1. They have already over half the microsoft points curtosy of Moi!
Also, they left a message for me on the account saying "TsGh if you want your account back shelley then come talk to me @ (email addy wont put on here)
Phoned microsoft and emailed all details to them.
The "TsGh" is a gang who steal xbox live details and bank details. They are an awful gang who are commonly known to also get into all your internet details and cancel your broadband if you do not meet their requests.
Im absolutely shocked by this, me and my OH are cancelling our xbox gold memberships and going to silver.
I have not hardly been off the phone today which annoys me cos i hate being on the phone.
Going to see my branch manager at TSB tomorrow at 9am sharp, will be putting my foot down!!! Want and need my money back asap!
About 4 months ago someone managed to change my password for credit card how weirds that im the only one that knows it and the only time i use it is when i phone up to query a bill thats all
Oh Shelley I am so sorry that some scumbag has used your bank details![evil]
Sadly, it is getting all to common nowadays as people get more inventive finding ways to access bank details etc.
My credit card was used fraudulently once but, thankfully, my credit card company spotted it straight away and phoned me to check.
I have now taken out fraud protection through CCP which only costs about £60 per year for the main cardholder and £49 for any additional cardholders.
There is quite a lot included in this including access to credit reports through Experian,identity protection and something called Garlik Patrol which monitors online activity.
You will get your money back Shelley and I am sure it will be a lot sooner than 6 months.
Athrun will have a great birthday as he has a wonderful Mum and money can't buy that!!!!
Take care. xxx
Sorry to hear about your problems. The £10 per week quoted for fraud protection sounds like bollocks to me. Lloyds TSB offer a card protection scheme called Sentinel Gold which has an ANNUAL fee of £30, so why would a tenner a week be required?
Did you contact your local branch or was it the fraud helpline? I would have contacted the specialist helpline, as I believe they would have more expert knowledge than the local branch.
The number to call for debit card theft is listed as follows on the Lloyds TSB website:-
0800 096 9779
This quote from the website should offer you some re-assurance:-
"If you are ever subjected to fraud, our expert operators will put a stop to it as soon as we are aware, as well as ensuring you are reimbursed for any losses incurred through no fault of your own. We will also send you a new card as soon as possible (usually within 48 hours)"
purplelady
21-Sep-09, 22:55
shelley am so sorry to hear what has happened to you, and am shocked at your bank think they are playing games with £10 a wk are they having a laugh i do no think tell them to shove their cover and demand they sort this out 6 mths is not acceptable for goodness sake x
ShelleyCowie
21-Sep-09, 22:56
Sorry to hear about your problems. The £10 per week quoted for fraud protection sounds like bollocks to me. Lloyds TSB offer a card protection scheme called Sentinel Gold which has an ANNUAL fee of £30, so why would a tenner a week be required?
Did you contact your local branch or was it the fraud helpline? I would have contacted the specialist helpline, as I believe they would have more expert knowledge than the local branch.
The number to call for debit card theft is listed as follows on the Lloyds TSB website:-
0800 096 9779
This quote from the website should offer you some re-assurance:-
"If you are ever subjected to fraud, our expert operators will put a stop to it as soon as we are aware, as well as ensuring you are reimbursed for any losses incurred through no fault of your own. We will also send you a new card as soon as possible (usually within 48 hours)"
Thanks for that! i will be going to see my branch manager tomorrow anyway!
And i dont even want a new card, im closing this account as soon as possible and am going on to my partners account tomorrow
An article giving details of this type of scam:-
http://www.techradar.com/news/internet/online-games-open-door-to-id-theft-610380
Going to see my branch manager at TSB tomorrow at 9am sharp, will be putting my foot down!!! Want and need my money back asap!
Don't get your hopes up!:)
Im absolutely shocked by this, me and my OH are cancelling our xbox gold memberships and going to silver.
No need to go to that extreme Shelley, just do what i do and buy a Gold Membership voucher, Tesco and Argos sell them, that way you don't have to give any card/bank details when signing up.
ShelleyCowie
21-Sep-09, 23:34
No need to go to that extreme Shelley, just do what i do and buy a Gold Membership voucher, Tesco and Argos sell them, that way you don't have to give any card/bank details when signing up.
cant help it! By the looks of it they have got into my OH's account now. They are threatening us etc etc. It is all being dealt with though
We dont even play online anymore anyway. So we were thinking about down-grading when renewal came up anyway.
cant help it! By the looks of it they have got into my OH's account now. They are threatening us etc etc. It is all being dealt with though
We dont even play online anymore anyway. So we were thinking about down-grading when renewal came up anyway.
Fair enough, i'm actually doing the same in January when my renewal is up, as i never play online either, it's just full of idiot kids and hardcore gamers, i'm just a casual gamer, and not a very good one, so online play is just a waste of time for me.
ShelleyCowie
21-Sep-09, 23:59
Fair enough, i'm actually doing the same in January when my renewal is up, as i never play online either, it's just full of idiot kids and hardcore gamers, i'm just a casual gamer, and not a very good one, so online play is just a waste of time for me.
Im just casual too. Used to be hardcore for Halo but not played in a while. Never get the time anymore. No point payin the £40 a year membership if i dont use it! :cool:
I can understand your gamer tag being hijacked and used to buy points and games etc, but how did they get your bank details ? is it not all encrypted and held on MS end, meaning that they would have hacked MS directly ? Worrying stuff
ShelleyCowie
22-Sep-09, 08:21
I can understand your gamer tag being hijacked and used to buy points and games etc, but how did they get your bank details ? is it not all encrypted and held on MS end, meaning that they would have hacked MS directly ? Worrying stuff
I have no idea how they got it! Its worrying to me too, have hardly slept at all. Im computer smart but not enough to even have a thought of how they done it.
I sent microsoft an email last night but still no response. Going to my bank very soon. Just getting all the details i have together to take to them.
Have logged onto my bank this morning too and yes, the money has gone now! :~(
I have no idea how they got it! Its worrying to me too, have hardly slept at all. Im computer smart but not enough to even have a thought of how they done it.
I sent microsoft an email last night but still no response. Going to my bank very soon. Just getting all the details i have together to take to them.
Have logged onto my bank this morning too and yes, the money has gone now! :~(
there's nothing i can say to make you feel better but i hope you get this sorted
good luck for today
dietcokegirl
22-Sep-09, 09:34
Let us know how you get on Shelley! Create hell at your bank!
This all sounds completely wrong to me. TSB is now Lloyds and they were quick to inform me a few years ago when they thought there was a suspicious withdrawal on my debit card. I've never heard such nonsense - charging you for security [disgust] ?
If you don't get any joy at the bank I would contact John Thurso - he'll soon sort them.
The Angel Of Death
22-Sep-09, 11:15
What annoys me isnt the fact that this happens but more the fact that you never hear of the bank getting the money back or tracking down the individuals i mean do they just write off the money as a loss if so why wouldnt it be more proactive (and cost efficient) to track down the hacker and recoup losses as in this case its a group and your not the first or last so imagine the funds were talking about
Otherwise whats there to act as a deterant if there is little come back why dont we all become fradsters over the net and pool our wares and buy us our own org pirate ship somalian style and opperate in the pentland firth ;)
ShelleyCowie
22-Sep-09, 12:17
I have been to the bank and they were all very nice. They have increased my Overdraft just a little to make sure that i do not get over-drawn. They have given me some money to tide me over for now.
They just have to wait for the money to be refunded, so will need to speak to microsoft again to see whats happening there too.
Have told them that as soon as its all sorted my account there is closed anyway. Me and my OH had been planning over the last week for a joint account so its happening today! :D
At least now i have some money now!
Hopefully things will be sorted out soon for you Shelley. Good to hear you sounding a bit happier.;)
Margaret M.
22-Sep-09, 19:25
Such a bummer, Shelley, but I'm glad you will recover the losses. What info did they get, i.e., account number, sort code, password, etc.? Did they get the funds by using your debit card info or by creating bogus checks drawn against your account? I am curious as to how exactly they wipe an account out.
ShelleyCowie
22-Sep-09, 20:15
Hopefully things will be sorted out soon for you Shelley. Good to hear you sounding a bit happier.;)
I am a wee bit happier thanks! Just want it all over with now! a long 6 weeks ahead of me with microsoft though! :~(
Such a bummer, Shelley, but I'm glad you will recover the losses. What info did they get, i.e., account number, sort code, password, etc.? Did they get the funds by using your debit card info or by creating bogus checks drawn against your account? I am curious as to how exactly they wipe an account out.
I still have not actually been told about the details! :roll: I know they had my card number, not sure about the rest but all passwords etc etc for my account has been changed, any transactions at all made to my account the bank will phone me immediately.
My bank balance is awful, i have never seen it the way it is! Still upsets me a little but it will get sorted!
Aww shelley i'm so sorry to hear about the mess that crowd has got you in (Can't really say what i want to call them;))
I'm glad the light seems to be seen now and you have your oh for support.
Just ditch the live account if you don't need it. Save the stress of going through it again with those vultures.
Athrun will have a wonderful birthday as he has a wonderful mother. He may just enjoy the cardboard boxes or the wrapping :lol: Kids his age usually do. They just love sitting in boxes lol. As long as all his important people are there he'll have a brilliant day.
Good on you for kicking the bank in shape. £10 a week for insurance! Ridicoulous!
I was a bit unhappy to be not getting a new maestro card next month but if the visa has extra protection online then what has happened to you has shown me to take my own advice and just get over it and accept the change lol. :lol:
Keep your chin up and try not to worry so much that it affects your sleep hun. Athrun needs a well tuned mummy! You'll get it sorted out and your money back.
hugs and love
xx
oldmarine
23-Sep-09, 06:07
I have been a victim of identity theft. My replaced & updated credit cards did not reach me. I received a call from my bank that 3 persons were identified as using my credit card for gambling. I replied that it was not me. That situation was shut down and I did not have to pay for any losses. I subscribed to a system offered by my bank called "privacy assist." That program helps me to contend with problems of fraud & identity theft.
achingale
23-Sep-09, 10:24
Shelly, I would get a credit card for internet transactions then your card provider will keep an eye on things for you and you are protected to some extent. Never use your current account details online. Hope you get it all sorted out sooner rather than later and I also hope they track whoever it was down!
I agree with getting a Credit Card for onLine Transanctions but I would actually suggest a PrePaid Credit Card as this way you can not be tempted into Debt. Also if the number is stolen then you can not lose a lot and easy to close and then get a new one.
You can only spend what you have put on your Card, there are no Credit Checks and are simple to get. They also have all the usage of a normal Credit Card. Here is a Link to one of the Better ones :-
http://www.mycashplus.co.uk/default.aspx
Kepp on at the Bank and dont let them FOB you off with anything, remember it is your Money.
Shelly, I would get a credit card for internet transactions then your card provider will keep an eye on things for you and you are protected to some extent. Never use your current account details online. Hope you get it all sorted out sooner rather than later and I also hope they track whoever it was down!
Yes.... or paypal as well. The one time I had a problem with a seller, paypal were quick to solve it.
ShelleyCowie
23-Sep-09, 12:25
I have a credit card. Dont use it often but maybe i will start to use it instead! Im actually terrible and forget to pay it but when i remember i pay it immediately! lol.
Feeling a bit happier today about the situation. its happened and there isnt anything i can do about it really.
Thanks for everyones very nice messages! Really has cheered me up a bit!
Sorry to hear of your troubles Shelley.
I have a cash-back credit card which gets used for everything, paid off in full each month and the cash back in January pays my car insurance and the protection policy for the year which isn`t even two pounds a month, never mind ten.
Hope you get sorted soon.
Just on the TV, "The One Show" and this is a Quote from Dom Littlewood. :-
If any money is taken from your Bank Account by Fraudulent Activity then under Section 12 of the Banking Code the Bank Must Refund your Money that was taken in Full.
When you speak to your bank the next time I would quote that to them and see what they say.
I have had a look on the internet and found the Bankers code here is a Link to it :-
http://www.bba.org.uk/content/1/c6/01/30/85/Banking_Code_2008.pdf
It is a PDF File,
Here is a direct quote from the Code section 12.12 :-
If someone else uses your card details without your
permission, and your card has not been lost or
stolen, you will not have to pay anything.
If someone else uses your card details without your
permission for a transaction where the cardholder
does not need to be present (for example, buying
something over the internet), you will not have to
pay anything.
If your card is used before you have received it, you
will not have to pay anything.
I hope this information will help.
ShelleyCowie
25-Oct-09, 16:12
Just a quick update on this, i recieved my money back on Friday. Got my old gamer tag back aswell and i get to keep the credit on it. Which made me happy.
Unfotunately microsoft will not tell me what will happen to the person who stole my money or even if they have gone to the trouble to do anything. I even told them their gamer tag and details as they made a silly mistake of contacting me.
Who knows!
Anyways its over :Razz Thank goodness!!
The most important thing Shelley is that you haven't lost any money over this. Glad it's worked out for you. Now you can start on the Christmas shopping.;):lol:
That's brilliant news - so glad it has been resolved finally :)
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