internet frauds

[buoo]

what happens when someone else uses your card details to buy some subscription thing online? i have reported it to the police but will they be able to find who did it? how will they find the fraudster? but it was only �18 do you think they would actually do anything to help?

[snapdarlich]

If it's a credit card, then you should be protected, contact you card supplier to discuss. Debit is not covered, but still contact your supplier to find out where you stand.

[jno]

somebody recently bought some insurance, presumably on line or by phone, quoting my card number. I suspect she just quoted her own number wrong - as it was house insurance they had her name and address - but goodness knows how she knew my Memorable Information; perhaps they didn't ask? Maybe if your fraudster ordered something to be delivered, they'll also have an address to go on. Anyway, the card company cancelled my card, because it had been 'compromised' and issued a new one; I filled out some forms assuring them I'd never heard of the woman in question or the insurance company. My money was refunded, after a couple of further mixups by the card company. No idea if the police got involved.

I have heard that it makes a difference if you have a PIN number instead of just signing - if something goes wrong the bank is at fault for not recognising your signature, but with a PIN number it's your fault because they claim you must have given someone your number. It was said this is why they're all going over to PIN numbers, to avoid taking the blame for their errors - anyone know if this is true?

[Artemis]

jno Yes that's true

[VINNY100_2]

WHAT.!!..and they said it was to prevent fraud.....!

[buoo]

it was a subscription thing online so they wouldn't be able to track address i suppose...how about their IP address? can they find the person through that? do you reckon the police would do anything to contact the fraudster?...but the thing is only �18...they might not arrest

[jno]

I suppose if someone's ripped you off he may be doing the same to others; at any rate, I would have thought the police would be interested, they're always going on about the risks of internet fraud.

[buoo]

what does IP address give away? will they have to go through alot to track the fraudster down? i really want them to...or at least speak to him

[CheekyChops]

I don't know if they could find someone using an IP address alone but even if they could I doubt they would bother for �18.

[WendyS]

My understanding is that reputable traders will only post goods to the address belonging to the credit card owner.

On the topic of purchasing online with a credit card, If you have a Barclaycard or Mastercard and regularly buy purchases from the internet, you can sign up for Barclaycard Secure. There is a group of well known merchants who will totally protect your purchases.. Once you have begun the purchase process the Barclaycard Secure receipt pops up. It displays your purchase detaisl and ask you to identify yourself with a unique Login and Secure Code. The Personal Greeting you selected during the registration process will also appear to a ssure you that it is a genuine Barclaycard receipt. You then simply click to confirm details. View

https://secure.barclaycard.co.uk/barclays/docs/demo.jsp