AHHHHHHHHHHHHHhhhhhhh!!!!!!!

[ThePlotter]

How annoying.I have just has a call from my bank advising that a fraudulent transaction took place on my credit card during the night (internet site)so my card is cancelled.So what you might ask but the problems it causes are a real pain.

We now cant go and get our supermarket shopping,my car insurance company is supposed to take payment tomorrow,the car is empty,I cant book and pay the deposit on my holiday which was to b done this weekend,and finally we are out for a meal with friends Saturday niht and now have no means of payment.

On the internet we only use paypal and not used that for months and all paper work at home is shredded before disposal,the card has not been skimmed but the detaols have been obtained from somewhere.My son had the same thing last month (different bank)

 

[emmerson2]

Plotter, that must be so frustrating! I rely heavily on my debit card, as I don't like carrying cash. A few quid in change perhaps, but never more than ten or twenty, so to be without my "plastic" would be very awkward. Can the bank not let you make some sort of an emergency withdrawal?

 

[ShadySadie]

Can the company not courier you another card by tomorrow or Saturday? Phone them and give them hell if they will not help you.

This is another reason for having more than one card, I have one card that is used only for Internet purchasing and one business card for the same.

Another card is always in my car so I don't go out and find I've left my purse and bag behind with my cards and money.

 

[ThePlotter]

I used to have a card with another bank but never used it for ages and then they wanted to charge an annual fee so dumped it.Leaving a card in the card is not a good idea.

They are going to send one by courier but at best will be Monday,my wife works for the bank in question.

I will have no choice but do a 20 mile round trip to the bank to withdraw cash but these days do not like having too much cash around.

 

[ShadySadie]

Plenty of companies still want business, so I just swap to another card if they want to charge.

My bank either works for me or looses my personal and business accounts. Keeping the card in the car is fine, my husband couldn't even find it. If the car got stolen the card would be stopped, I drove to Liverpool once with my daughter who had put my bag in the car. Wrong bag!

I was on the motorway services with a tank full of petrol and no money to pay with and nothing to buy food or pay for the hotel with. I had to wait 5 hours for hubby to arrive to bail me out and it was just lucky that he was at home. Never again, I always have funding in the car.

 

[Wendy-Norfolk]

We always leave a card in the car, that way we always have access to money, well I do! Hubby doesn't know the PIN!!! :O)

 

[ShadySadie]

We always leave a card in the car, that way we always have access to money, well I do! Hubby doesn't know the PIN!!! :O)

:

 

[ThePlotter]

The only problem is that under the terms of your card you are responsible for keping it save if it is used fraudulently due to your negligence you would be liable for the losses.If your car was broken into and the card used the bank would look to you for the money.

 

[Wendy-Norfolk]

Ahhh, but you have to be clever!!

Don't put it in an obvious place, like the glove compartment!

Bank account with small sum of money, just for emergencies, say

 

[ShadySadie]

Firstly a thief would be very lucky to find my card. My car is worth a hell of a lot more than the limit on my card and is protected by locks, alarm system, immobiliser and tracker

so how am I negligent when hiding and locking my card in my car? If I go to a meeting in London or other cities there is more chance and danger of me losing a card to a mugger, bag snatcher or pick pocket, am I negligentin just carrying a card in my handbag?

When caravanning where do I leave my bag and cards and other valuables, in the car or in the caravan?

The car is safer than the caravan so where do I choose? Or will I be uninsured in the event of a theft from either?

I have been paid out when we had belongings and cards stolen from a hire car abroad when on holiday, I was not considered negligent then and Visa covered the losses on the card.

Belongings that are a lot more valuable than bank or credit cards are locked in cars and covered by insurance so why should a bank or credit card be any different.

Locking my card in a well secured vehicle is not negligent behaviour!

 

[MartinJ]

Whilst you may not consider leaving the card in a well secured motor vehicle negligent behaviour, it still breaks the terms and conditions of the card and so no refund would be paid by a bank if the card did somehow get into the wrong hands and was fraudulently used.

Just a chance you take I suppose but personally I would never do it.

 

[ShadySadie]

I have already been covered when a hire car was broken in to and card was used within a few hours! Visa covered loss and sent out new cards.

What do you do when you go the beach on holiday with your family and all go in for a swim! Entrust your cards to some one else on the beach, or lock your valuables in the car?

Card Companies and businesses have to be realistic with terms and conditions they can't blame you for taking a sensible choice.

According to Plotter his card account has been robbed whilst he is in possesion of the card, my travel card is then a lot safer than Plotters ;0) How am I being negligent, I'm taking more care with it than him.

 

[MartinJ]

Shady Sadie, Im certainly not accusing you of being negligent - I agree with what you say, your car sounds ultra secure.

In my experience though some banks are right up there with insurance companies at not paying out if there is any way they can avoid it. A breach of terms and conditions could well give them the excuse they are looking for if the worst happened.

 

[colin(bridgend)]

I have NEVER given my card details over the internet and very rarely over the phone since my problems with Dell Computers. I have regular places where my card is used often and if I am going away or using the card for a major one off payment I inform the card company what I am doing. I TRUST NO-ONE EXCEPT MY WIFE AND SELF THESE DAYS.

 

[parker1158]

From experience I know it matters very little how responsible you are with your cards.

Last Easter we went to Florida. We only ever use a Tescos card so we informed them that we would be using the card in the USA. We had been there two days when I got a call advising me that someone had attempted a transaction on my card in Malaysia, because we had already informed them we were in the USA they immediately picked it up and cancelled the card.

I assumed the culprit was either the car hire company we used or the villa management company turned our to be neither- the card was cloned by the filling station when I had filled up the car on the way to the airport in England.

Apparently it's a popular scam for the crooks to get a job in a less than secure environment, rig up a small scanner next to the real one and away they go. I was one of literally hundreds that got done.

So food for thought when you use your card in future in strange places

 

[Wendy-Norfolk]

Firstly a thief would be very lucky to find my card. My car is worth a hell of a lot more than the limit on my card and is protected by locks, alarm system, immobiliser and tracker

so how am I negligent when hiding and locking my card in my car? If I go to a meeting in London or other cities there is more chance and danger of me losing a card to a mugger, bag snatcher or pick pocket, am I negligentin just carrying a card in my handbag?

When caravanning where do I leave my bag and cards and other valuables, in the car or in the caravan?

The car is safer than the caravan so where do I choose? Or will I be uninsured in the event of a theft from either?

I have been paid out when we had belongings and cards stolen from a hire car abroad when on holiday, I was not considered negligent then and Visa covered the losses on the card.

Belongings that are a lot more valuable than bank or credit cards are locked in cars and covered by insurance so why should a bank or credit card be any different.

Locking my card in a well secured vehicle is not negligent behaviour!

Agreed!! :O)

 

[Wendy-Norfolk]

It doesn't matter how secure you are with any of your belongings nowadays, if somebody wants them, they will have them!!

 

[ThePlotter]

The saga goes on,last Thursday the bank stopped the card because of the fraudulent transaction and advised that I would have a replacement by Monday sent by courier,so lunchtime Monday I rang to check yes no problem will be there today,no it wasnt.

So we ring Tuesday sorry not sure if it was sent so cancelled the new card and sending another to arrive this Thursday.Problem is my internet has the new number which too is now cancelled,and my car insurance is still awaiting my new card details despite my renewal being the 13th.As I said AHHHHHHHHHHHHHHHHhhhhhhhhhh!

 

[rob_jax]

Quote "the card was cloned by the filling station when I had filled up the car on the way to the airport in England."

That's one reason why I have a Shell Europe Fuel Card - for security the card is tied to my car registration - so it'd be difficult to clone the card and use it without having the car too.

Robert

 

[smiley]

Hi Plotter

Can't you use your bank card until your new credit card comes through?

 

[ThePlotter]

I now have my third lot of replacements and yes I could use debit cards if they applied to the correct accounts,but all is now ok again.

 

[Marsha_374361062]

We've had this happen to us once. For this reason when opening a new bank account I have kept an old one running just incase as it can be a huge inconvenience.

 

[BaileyBazz]

I used to keep my credit card in the car too. My theory is that if the car gets nicked and the card is found, they, being the nasty pasties who stole the car would try and use the card in a petrol station or similar therefore being caught on camera.

I have not been unfortunate enough to have my card skimmed or cloned, but as I said to the guy from Barclaycard who was trying to sell me fraud protection, 'its up to the bank to prove it was me who spent the money in god knows what shop in who knows what country! Why should I have to spend 50 quid protecting myself for the banks lacks approach to their own security!!!!!!

I have a very nice way of disposing of my important docs and if the crims want to go through my rubbish, they are quite welcome to do it. I know I will have the last laugh if they brave the 'special' bags!! Dont ask!!

TTFN

(i cant believe I've wrote that, wheres the delete key?)