Does anyone know how these scams work.
A couple of months ago the bank rang my stepdad as they where suspicios of money going out of his account. It transpired that he had had £2000 taken out in small amounts of around £100 each time and spent in places like race courses. Anyway after alot of farting about, account all being changed the cancelling of his card ect. They gave him his money back.
Now hes just had notification that another £1000 has been taken out, same amounts spent at the same places.
So how can they be using his new id if the other one was cancelled |
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By *adybee77Woman
over a year ago
MAMOBA, miles and miles of bugger all (Aberdeenshire) |
When my account got scammed, the bank closed that account, and set up a new one transferring all legit direct debits etc.
Maybe suggest that to the bank for your dad. They can't scam a new account if they don't have any details. |
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By (user no longer on site)
over a year ago
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Part of me thinks that that is more likely to be someone that knows him and has access to his card. Seems unlikely (though not impossible) that he would be cloned and the card used in the same pattern.
I thought the norm with cards being cloned was to max them out as quick as possible before being detected rather than chip away with small amounts. |
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Well they are small amounts, non above £100 at a time, but very frequant. But they have been using them for the same things, race courses up north mainly.
Can understand that the first one was cloned, but the second one is a mystery.
The bank let him know as it flashed up apparently. Maybe by using small amounts they thought they wouldnt get caught |
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By (user no longer on site)
over a year ago
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Could be a number of different explanations as to how his details have been taken. If u want to message me ill see if I can shed some light. No specific details required |
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By (user no longer on site)
over a year ago
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Approved automatic payments, will still go off his account even with a new bank card.
The bank should have changed his account number to prevent any further payments continuing.
Because these payments have been approved and went unnoticed for months the computer thinks they are authorised, despite his card being changed.
I only know this as o2 took money off me for months before I noticed (I'm on orange)
My bank refunded me and sent me the forms, which I filled in. I had a new card and then low and behold the o2 payments carried on being debited each month. Annoyingly I cant remember the exact name of the payments or payment system as this was last year but a quick call to the bank and they will know.
On the other hand if it is gambling, then you need to check who has had access to his card and what the source of payment is (telephone/text/app/online) to trace and ensure it isn't someone you or he knows, else the bank will land you with the bill (including any refunded payments) and that will be more difficult as you'll have to fight it through the civil courts 
I do hope you get it sorted soon, its scary and frustrating, I remember it well |
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By (user no longer on site)
over a year ago
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"Approved automatic payments, will still go off his account even with a new bank card.
The bank should have changed his account number to prevent any further payments continuing.
Because these payments have been approved and went unnoticed for months the computer thinks they are authorised, despite his card being changed.
I only know this as o2 took money off me for months before I noticed (I'm on orange)
My bank refunded me and sent me the forms, which I filled in. I had a new card and then low and behold the o2 payments carried on being debited each month. Annoyingly I cant remember the exact name of the payments or payment system as this was last year but a quick call to the bank and they will know.
On the other hand if it is gambling, then you need to check who has had access to his card and what the source of payment is (telephone/text/app/online) to trace and ensure it isn't someone you or he knows, else the bank will land you with the bill (including any refunded payments) and that will be more difficult as you'll have to fight it through the civil courts
I do hope you get it sorted soon, its scary and frustrating, I remember it well "
Your O2 problems relate to what's known as a continuous authority. A notoriously difficult payment method to stop as it can only be done by the receiving company or by the bank if they know its fraudulent. Unfortunately it appears your bank didn't check these with you when you reported it as they should have |
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By (user no longer on site)
over a year ago
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"Approved automatic payments, will still go off his account even with a new bank card.
The bank should have changed his account number to prevent any further payments continuing.
Because these payments have been approved and went unnoticed for months the computer thinks they are authorised, despite his card being changed.
I only know this as o2 took money off me for months before I noticed (I'm on orange)
My bank refunded me and sent me the forms, which I filled in. I had a new card and then low and behold the o2 payments carried on being debited each month. Annoyingly I cant remember the exact name of the payments or payment system as this was last year but a quick call to the bank and they will know.
On the other hand if it is gambling, then you need to check who has had access to his card and what the source of payment is (telephone/text/app/online) to trace and ensure it isn't someone you or he knows, else the bank will land you with the bill (including any refunded payments) and that will be more difficult as you'll have to fight it through the civil courts
I do hope you get it sorted soon, its scary and frustrating, I remember it well Your O2 problems relate to what's known as a continuous authority. A notoriously difficult payment method to stop as it can only be done by the receiving company or by the bank if they know its fraudulent. Unfortunately it appears your bank didn't check these with you when you reported it as they should have"
Continuous authorities run via the debit card details. If a card is blocked as lost or stolen, or due to fraud they should cease as the card number will no longer be valid.
Direct Debits can be reinstated by anyone you have set one up with if you cancel it yourself. the bank can however apply a block to specific companies attempting to set up DDI's on an account.
Re the continued problems at the racetrack - the chances are that it's a case of a cloned card. If the card has been replaced the old details won't work - so this will insinuate that he is using the card regularly where someone is copying the details. These days this can be anywhere from a pub, a petrol station, a supermarket to local traders.
The only thing that can be done is to again block the card. |
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By (user no longer on site)
over a year ago
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Small card transactions over a period of time would tend to suggest "domestic" fraud of some kind ie someone that has access to his card and the details on it. In this type of fraud they often go for smaller amounts over a period of time to avoid detection. Likes of home help or family members etc |
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By *adchickCouple
over a year ago
Cyprus |
I had this with a company who supplied us with goods quarterly but took money, from our card monthly.
They carried on taking money even after the supply's stopped. I spoke to Natwest who cancelled my card and refunded the overpayments to my account as fraudulent. Had to fill in a form but all sorted.....
However, the only way to permanently stop the company was to put them on a stop list on my account. Apparently, all banks have a list of companies or people who carry on calling monies after payment should have stopped and you can ask your bank to put these companies on the list and hook it to your account.
If it's racecourses, I suspect it's actual betting companies like ladbrokes or William hill and you can ask for all bookies/racing tracks to be put on the stop list.
Only other way is to close the account completely and go to another bank |
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By (user no longer on site)
over a year ago
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Stop lists only apply for debit card transactions by blocking transactions with certain MTID codes. If the transactions aren't debit card transactions or the fraudster decides to spend elsewhere it won't work. You could request closure of his account and them opening a like for like replacement. Saves hassle of moving bank though still a pain. |
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It would have been driving me mad, trying to remember it's name 
