I know I checked at the end of January and had £11 in it - so knew I was ok until March.
The letter said I was overdrawn. Quickly went into my regular bank and transferred money over thinking I misjudged it. Then logged onto 'other' account to see that about £200 has been taken, going up to my overdraft limit (that I never think about as I don't really use it - just the odd £5 if I misjudge the DD).
William ruddy Hill and some foreign transaction - fraudulant use.
That card has not left this house.
How the heck can fraudsters get the information needed? I use that card once a year if that. My statements are carefully filed. Letters - anything with my address - are shredded and used as bedding for the guinea pigs.
How do they do it??
Bank seems to have been helpful and have cancelled card and will issue a new one with a new PIN. They need to decide if they'll credit the fraudulant payments.
Today I can hardly walk after all the twisting etc the hospital did yesterday, reality that I'm disabled hitting today and now this.
OK, its only money, I know. I also know that tomorrow I'll be ok about the wonky legs thing and its only how I feel today. I can't afford this.
I just hope they bloody didn't win anything using my money...
I'm so pissed off this afternoon. Should have been at crafts, but been on the ruddy phone instead.
I'm fine otherwise
What a terrible shock! I think I would somehow feel invaded if it was me, even though they haven't actually got your card. Looking at it from outside, it is obvious that the transactions are fraudulent and so the bank should give you your money back. Sometimes house insurance covers ID fraud.
I hope you are in less pain today, dear sparkling, and will have a better day.
I have had the courage to look at the bank account today, and there has been a management adjustment due to Delta fraud, and £206 credited to my account.
I've just written a letter to thank them for being so kind on the phone (I'm sure you can guess that, knowing me :-D, I was rather upset) and for sorting it out so quickly. I've also included the part at how rarely I use me card, which is the bit I find so concerning. I've asked them to cancel the DDs I have as well, as I've changed them to the bank account that I use daily - not that its safer, just checking it every day I'll notice things quicker.
I still feel sick about it.
xx
I am not surprised you feel sick. EURGH!
However that's good that you have had the money re-credited. That's so like you to write a nice thank you letter. I bet they don't get many of those!
Hope your weekend will go well :-)
Hi Sparkling
I'm delighted for you, :)
lightatendoftunnel, I don't think there is anyway you can stop it happening
Good you got the money back, when you are living on benifits then £200 is a lot of bloody money for someone else to be spending for you.
:)
It was awful, I have to say. I'm checking the banks every two minutes now! (that is an exaggeration, by the way...)
I'm not sure it does (sorry). I like to think that I'm as secure as I can be with virus protector on the computer, a decent router etc. This card is one I rarely use. As awful as it sounds I feel it stems from their end.
I've re-joined experian after this so I can start to check my personal info again. I'm not sure if it is a comfort!
I'm now facing bank charges for being overdrawn (not my fault), and they're not promising to refund those!
I am thinking of closing the account, and having read your post, I will if they don't reimburse the costs. I don't use the account, anyway, so it won't be a loss.
I know a friend of a friend has had £8000 fraud against their credit card - and are having a job sorting it.
It's frightening.
I'll see how things go now I'm back with Experian too.
Hello sparkling lime
As if it is not bad enough having the money taken in the first place, then you have to do battle with them for their charges. Huh!
It's a good idea for everyone to check their bank accounts very regularly, just to nip anything like this in the bud. Also the Experian thing you mentioned would help you to spot anyone applying for credit under your name. I belive the other main provider of reports is called Equifax, though I don't know how they compare for cost
Hi sparklinglime, what a pain in the .......leg?!
Its so horrible to think that someone has been hacking your account, remind yourself not to take it personally.
I think you are sooo lovely writing a thank you letter to the bank. It would be a really good idea to talk to someone face to face if possible, for your own peace of mind and also so you are not just another number to them. It was interesting that you mention that you don't think that your details were hacked from your computer but perhaps from another source, hmphh.
Any news on the reimbursement of your overdraft fees??
Hallo and welcome back lightatendoftunnel!
Really nice to see your name up again since the change over, how are you??
Oh Sparkling
If it's not one thing it's another. I know my friend said she had the same problem with the cards, £8, 000, from her husbands account and hers, which were totally different. They have been told they won't be held responsible as they know it wasn't them. I'm sure your bank will also say the same, (i hope so) It could be cloned from anywhere, shops, internet, etc.
This is hopefully a blip, and things will look better for you in a few days. As soon as you can, get in touch with your GP for the pain killers.
Take care, and look after yourself
Alison
x