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Last week we had a phone call from the bank because they'd spotted some unusual activity on our account.
I won't go into all the in's and out's of the 4 or 5 conversations with the very helpful people in the Royal Bank of Scotland's fraud department, but they were brilliant.
It looks like some scumbag has somehow got hold of my card details and has been using them to try and purchase things. Luckily, they tried to buy things on the internet, but one transaction didn't go through. They tried to put the same transaction through over 10 times, which alerted the bank.
We have been very lucky. They didn't get away with much money, and our wages hadn't gone into the account for this month before the bank spotted the fraud.
However, what I wanted to alert you to was that the scumbags had
and
Apparantly this is quite common, as if you check your bank statement regularly, you'd notice hundreds of pounds going missing; but if, like us, you have your bills etc on direct debit, or shop online, you might not be alerted to a £40 transaction until the end of the month.
The bank have said that my details could have been pulled from an internet supplier I had ordered with (e.g. Amazon, Tesco, Next) by an unscrupulous employee; or skimmed off my card in a shop. I suspect they have been taken from the internet somehow.
Please make sure you check your account/statement regularly and dispose of all your confidential waste somewhere secure! I dread to think what would have happened if these scum had cleared our bank account of our wages etc.
I won't go into all the in's and out's of the 4 or 5 conversations with the very helpful people in the Royal Bank of Scotland's fraud department, but they were brilliant.
It looks like some scumbag has somehow got hold of my card details and has been using them to try and purchase things. Luckily, they tried to buy things on the internet, but one transaction didn't go through. They tried to put the same transaction through over 10 times, which alerted the bank.
We have been very lucky. They didn't get away with much money, and our wages hadn't gone into the account for this month before the bank spotted the fraud.
However, what I wanted to alert you to was that the scumbags had
- bought credits for an electoral roll checking company (which finance companies etc use for checking address details) to check people's details
and
- never spent anything over about £60 or £70, so that in a quick look at a statement, most people wouldn't notice the money going.
Apparantly this is quite common, as if you check your bank statement regularly, you'd notice hundreds of pounds going missing; but if, like us, you have your bills etc on direct debit, or shop online, you might not be alerted to a £40 transaction until the end of the month.
The bank have said that my details could have been pulled from an internet supplier I had ordered with (e.g. Amazon, Tesco, Next) by an unscrupulous employee; or skimmed off my card in a shop. I suspect they have been taken from the internet somehow.
Please make sure you check your account/statement regularly and dispose of all your confidential waste somewhere secure! I dread to think what would have happened if these scum had cleared our bank account of our wages etc.
jacob
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