Menopause Matters Forum
General Discussion => This 'n' That => Topic started by: Annie0710 on March 16, 2017, 08:58:06 PM
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Like an idiot I never checked my credit card statements on my app, just paid each month I get paid (i do check my current/business account ) and realised today someone in the London area has been using it and racked up over £570 worth of debt for me
Bank was lovely, went through them all, cancelled my card and asked my permission for police to be informed, ordered me a new card and will be reimbursing me in full
If you don't check yours make sure you do from now on x
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Thank goodness that you are getting your money back Annie. What an awful shock though. Flutterbyx
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That's dreadful. Annie it's good that your bank sorted it out for you though.
I always check all my accounts. I have a program on my computer where I enter in all my transactions and that makes it very easy to balance the accounts when the statement arrives.
I really recommend everyone does something similar. There are lots of programs and apps around. The one I use is an old Microsoft program which is very user friendly, but unfortunately isn't available anymore.
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I felt sick to the stomach when I realised. I was near to tears on the phone and to be fair I deserved a bit of a telling off for not being vigilant but she said she'll let me off this time but I must keep checking so if it happens again I'll realise straight away. This was happening from mid jan to this week
X
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Off to check my bank account! I don't check it as often as I should as you have to use little gadget with your card, which is inconvenient and fiddly. I do check my credit card account though as I use it for most of my transactions. I did have over a £1000 taken from my credit card account once, but it was replaced almost immediately all but 37p! I reported it though and I got a new card and a refund of the 37p. Probably a mistake, but shouldn't have happened. Left an uncomfortable feeling about security, but things have been tightened up since then.
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For this reason i still ask for paper copies of my bill. A few years ago i noticed two transactions that weren't mine. Got the money back. The man i spoke to about it asked if i did a lot of internet shopping and i said yes. He said unfortunately that's how they get your details.
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Yes I do a lot of Internet shopping too and she said that's how it's happened and to change passwords regularly, that bit scares me not knowing what p/word is used on each one x
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I agree about the difficulty with passwords as now they seem to want a number, a capital letter a password with 8 plus characters. It gets very confusing. Also, most people internet shop nowadays. I do scrutinise my bill. I have internet banking but I still like to receive the paper copy which obviously annoys them as they're aways prompting me on internet banking to choose 'paperless'. If I remember correctly one of the transactions was to TV Licensing and I said to the fraud dept that is definitely not me as I pay mine by direct debit and I think the other one was to British Gas who I wasn't even with. I do think it's good the way they refund you straightaway.
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I'd heard they do refund but thought you'd need to prove you didn't make those transactions. But no, straightaway she told me not to get upset or panicky as I'll get all the money back x
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It's so difficult keeping track of different passwords.
I'm so glad the bank were nice with you.
I do keep a record of different passwords, but only with prompts, not the full password. What annoys me is that different sites have different requirements and to make a strong password you have to make it so complicated that you can't remember it yourself, well certainly not with menobrain!
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The Bank will notice any 'un-toward' activity, i.e. if you never travel abroad but the card is activated outside the UK. Himself keeps a tight eye and notes down what we spend .... we pay off our Credit Card monthly.
So pleased that the Bank was on your side!
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I'd heard they do refund but thought you'd need to prove you didn't make those transactions. But no, straightaway she told me not to get upset or panicky as I'll get all the money back x
Yes I didn't have to provide proof to them that I paid my my TV Licence by Direct Debit he just took my word for it likewise when I said I wasn't with British Gas.
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If I use my cards abroad I get a text message warning me it's been used out of uk
They started their spree in Cheshunt using it instore in tesco about 5 times in 2 days, all for £5 and £10s, I presume to test it. Then they ordered wine, takeaways, bedding , pc ware, electrical items from tesco, Argos , beauty website. There was only one fashion website that cancelled the transaction and the lady said they would've smelt a rat and cancelled the goods being delivered x
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Pity you don't get to keep what they have spent your money on ;D
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Not the £97 on wine ! X
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They certainly went to town. Thieving b'stards!
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;D
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They certainly went to town. Thieving b'stards!
lol that's exactly what my daughter said !
They probably picked up their £12.50 Chinese takeaway to go with their £97 wine ! X
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Similar thing happened to me a few years ago. It was a savings account but one I occasionally dipped into for present buying or similar. I had used it to purchase a gift voucher for a friend, over the phone . That all went through smoothly but weeks later , for some reason I decided to check my account and discovered I had been hacked ! It was incredible, restaurants, car hire, off licence. I was distraught. Halifax were very good and reimbursed me in full. I was able to prove I was at a wedding all day the day of the car hire plus it was in a different country ! It made me very wary and I check regulary now.
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That's dreadful. Annie it's good that your bank sorted it out for you though.
I always check all my accounts. I have a program on my computer where I enter in all my transactions and that makes it very easy to balance the accounts when the statement arrives.
I really recommend everyone does something similar. There are lots of programs and apps around. The one I use is an old Microsoft program which is very user friendly, but unfortunately isn't available anymore.
I also have a software prog on my laptop where all transactions get entered. I am also a light CC user so would notice any extra item. Many years ago I found one suspect transaction for £15 which just said 'goods' against it and I didn't know the name of the firm. I queried it and the CC provider agreed to suspend it while they asked the claimant for further details/proof. First they suggested that I had bought petrol somewhere but I don't drive. They heard nothing from the claimant so wrote it off.
I am glad that this one got sorted
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I don't use my CC much so just pay it off each month so don't (didn't) need to check it. What alerted me was a text message from the bank asking for an extra payment as I'm near my limit. That rang alarm bells and the rest is now history x
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I have internet banking but I still like to receive the paper copy which obviously annoys them as they're aways prompting me on internet banking to choose 'paperless'.
You still get copies of your statement even if you go "paperless". My bank sends me an email to tell me my new statement is available and I just go online to my account and print it out (or you can just view it if you don't have a printer). However, make sure you make a practice of NEVER clicking on any links that might be in the email, just in case it hasn't really come from your bank. Actually log on to your account and access your statement that way.
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Yes i'm aware of that. I do view it online as well. I don't have a printer but I still like to receive my paper copy.
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Regarding passwords. I have adopted a method my son used to use and I'm not giving anything away by describing it.
He used to use a single password plus a combination of numbers that he remembered and then added the first few letters of the website.
He now uses a Password Manager instead ( Password Managers can generate complex passwords for each website and store them, requiring you to remember just a single password ) But that idea worries me because what if the Password Manager site itself gets hacked!
Ariadne xx
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I agree Adriadne - it was recommended to me recently by a Solicitor but I prefer my method which I can remember.
We have a present/gift account with not a lot in it, which gets topped up appropriately. In case ::)
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I have a selection of 4 complicated passwords using upper and lower case plus numbers and I rotate them around my websites every few months. I have a note in my diary to remind me of the composition of them but the clues are in code that I understand. For example a 14 character password with upper and lower case plus numbers is identified by M43, another will be listed as K7 or H4. Fortunately I have a photographic memory for number sequences and can remember the full composition of each one. I also use numbers in place of letters to spell out a word such as 5 for S or 4 for A or 6 for G.
It sounds complicated but it really isn't.
Hubby has a book with all his passwords listed which I think is risky :-\