card cloned and bike purchased with!

allthegearnoidea

Mothers just come back from a working trip to mozambique to find her cards been cloned, just speaking to her she asked if I heard of a place called 'wiggle'?? Er Yeah! They used the details for £1200 there! So looks like someones got them selves a new bike!
She's pretty sure that it was done at T5 in dutyfree as was the last time it was used,

But thinking out loud a bit here, what's the chances of wiggle forwarding the delivery details etc. To search them out?? Or is it all just written off? Assuming that wiggle will now be 1200 out of pocket?

njee20

She'll get it back, not your concern about who did it, forget it.

jeannot18

Credit card fraud cost billions per year to the bank and you would think that they would do more to protect and catch the culprits. A few years ago they cloned my Visa Debit card and emptied completely my account + overdraft (just over 3 grands). Mainly paying for gambling in Gilbratrar, and buying dollars in the US. But there was 1 transaction in it, and that was for paying the congestion charge in London. As far as I know each transaction is attached to a specific vehicle. I mentioned that to the bank and the police, but they did not seem interested at all (unless the vehicle was stolen and they could not do anything with it, but if it is stolen you would not bother paying the congestion charges). I got all my money back, down to the last penny but got me quite worried at the time.
JC

allthegearnoidea

Njee, i know she'll get back the money, but just got me thinking as to whether they would look at the delivery details of what was ordered and pass it on,
i guess it's down to the number of people they have, if they have spare time etc.
Jc, you'd have thought they would be interested in the info and possibly getting a conviction etc. But possibly same with a lot of small crimes and not having the staff to look into it!
Almost makes you wanna turn all Pi! :-D

The Northern Monkey

So you bought a bike with your mum's credit card and now you're regretting it?

welshkev

I had my locker at the gym broken into and my wallet stolen. They went INTO the bank and forged my signature to withdraw money and then went over to a sports shop and spent another couple of hundred quid there. I got all my money back, but they caught the guy on CCTV in the bank, he was known to police, but let off due to lack of evidence ffs!!

allthegearnoidea

TNM - haha! I did think when mum said had I heard of Wiggle?? I'd have just asked her outright rather than going for the card lol! Or sent in one of my girls with 'Grannie, daddy would Really like a new bike'.............

The Rookie

I blame Wiggle.....

The Police and credit card fraud office may investigate or may not, they can't investigate all CC crime, they don't have the resources, they obviously try and target the bigger gangs.....

grizedaleforest

Had my company card details used to buy a series of air tickets in the US and Europe last year. You'd think that it would be pretty easy to find out who did that. But the card fraud team admitted that they rarely pursue cases like this - it isn't "cost effective" apparently.

allthegearnoidea

I suppose its easier to write it off and use the insurance they are Bound to have for such!
Be good though If they hjad the staff and time as some would be quite simple to trace! I am suprised though that they allowed a £1200 item to be sent to a delivery address different to the card holders with out checking!
Hey ho! One of those things I guess!

cat_with_no_tail

Just to clarify, afaik Wiggle wont be losing out here, it'll be the bank.

The bank might ask wiggle to provide all of the purchase details, but even if they did, it's not likely to be of any use. The delivery address will almost certainly be somewhere that is now long since empty, an industrial unit, or somewhere else that makes tracing who actually received the package impossible. The amount of money it'd cost banks to try and catch these people and then the added cost of prosecuting, all for no real return for them, makes it cheaper for them to just write it off (and build the cost into all the other little things we pay for).

cat_with_no_tail

Oh, and fwiw, this is why 3D secure is a good thing and should be used a lot more than it is.

It's one thing to steal someones card, or clone it or whatever, and to get the CVV off the back, but to then be able to guess the password they used is a different game altogether.

Northwind

jeannot18 wrote:

Credit card fraud cost billions per year to the bank and you would think that they would do more to protect and catch the culprits.

About 600m, in the UK. But the bottom line is it's far cheaper to soak the loss than it is to try and prevent the fraud.