Went to Asda at lunchtime to do a bit of shopping, got to the till and had my card declined. Assumed I'd put the wrong pin number in so tried again with the same results. I immediately started to panic because for the first time in years our current account is quite healthy.
Rushed back to the office and logged in to the bank and discovered a payment supposedly made on my card for over £3.5k. Strangely enough, my card wasn't declined due to lack of funds as we didn't cancel our overdraft facility after we sorted ourselves out. It was declined because earlier this morning there were 2 transactions for approx £30 to i-tunes and vodafone that they were concerned about. Pity they weren't so concerned when someone paid off a £3.5 credit card bill in one fell swoop using my card details, which is hardly in keeping with anything I have ever done in my 21 year history of this bank account.
Managed to get the afternoon off work to go up to the bank to sort it out. Or not as the case may be. All my local branch did was put me on the phone to the fraud dept and left me to it. I can expect a phone call within the next 2-3 working days apparently.
I think I'm right in thinking that the FSA have brought in new guidelines which mean that the bank should re-imburse me before any investigation takes place, rather than being presumed guilty until proven innocent. But it wouldn't surprise me if they dragged their heels and I'm without my money for quite some time.
I'm absolutely gutted about this and my mrs is even worse. We're pretty careful, only using on-line payments with trusted sites, we shred anything and everything. The only place I can think of where we have left ourselves open is I used the card to buy some pizzas over the phone about 6 weeks ago.
What I don't understand is how the fraudulent payment passed the post code and/or name check with the credit card company involved. Unless of course there is a credit card registered under my name and address, in which case this could only just be the start....
Rushed back to the office and logged in to the bank and discovered a payment supposedly made on my card for over £3.5k. Strangely enough, my card wasn't declined due to lack of funds as we didn't cancel our overdraft facility after we sorted ourselves out. It was declined because earlier this morning there were 2 transactions for approx £30 to i-tunes and vodafone that they were concerned about. Pity they weren't so concerned when someone paid off a £3.5 credit card bill in one fell swoop using my card details, which is hardly in keeping with anything I have ever done in my 21 year history of this bank account.
Managed to get the afternoon off work to go up to the bank to sort it out. Or not as the case may be. All my local branch did was put me on the phone to the fraud dept and left me to it. I can expect a phone call within the next 2-3 working days apparently.
I think I'm right in thinking that the FSA have brought in new guidelines which mean that the bank should re-imburse me before any investigation takes place, rather than being presumed guilty until proven innocent. But it wouldn't surprise me if they dragged their heels and I'm without my money for quite some time.
I'm absolutely gutted about this and my mrs is even worse. We're pretty careful, only using on-line payments with trusted sites, we shred anything and everything. The only place I can think of where we have left ourselves open is I used the card to buy some pizzas over the phone about 6 weeks ago.
What I don't understand is how the fraudulent payment passed the post code and/or name check with the credit card company involved. Unless of course there is a credit card registered under my name and address, in which case this could only just be the start....
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