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"go to the financial Standards Authority if santander are not willing to look into it. report it to the police and see if there is any cctv at the cash machines used" Also involve BBC Watchdog....if they take interest theres nothing like media pressure. hope ya sort it ! | |||
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"My daughter has had 4000 taken fraudluently in cash transactions from her credit card .santander have told her that their cards cant be cloned and as the transactions have all taken place at her local Tesco express store they dont beleive that she hasnt made the transactions.We dont know what to do next ? please inbox me if you have any experience on this or advice ..Thank you so much " seen a program on tv about this, the first thing they said is NOT to cut the card up, the chip on the card is the proof you need to prove it was not the card used to withdraw the money. | |||
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"i cant believe that santander have un-clonable cards to be honest ![]() I find that strange too,the technology to clone cards is aways a step ahead of the banks trying to prevent cloning I hope the OP manages to get to the bottom of it with a good result | |||
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"No banks cards or systems are unbreachable.....as the banks improve security the crooks simply educate themselves adapt and overcome new security. sometimes the banks are ahead somtimes the crooks....im sorry your victims here it must be terrible. Santander will only ever say were totally safe and secure....as any other admission would be financially suicidal so dont expect anything other than the official line. If your TOTALLY sure ya daughters not had the cash....involve media....they hate ann robinson....good luck " ![]() | |||
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"Cash withdrawals of smallish amounts 4-5 times a day would take quite a few days to rack up £4,000 of withdrawals. Let's assume smallish means £30, that would mean £120-£150 a day and 26-33 days consecutively to withdraw that amount of money. Can she access her statements online and see exactly what was withdrawn and when? I'm sure she can prove on more than one occassion that she was somewhere else at the time." dont all cashpoints have a £250 a day limit? so if it is small amounts, they could still get 4k out in a little over a fortnight. | |||
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"Similar thing happened to me, but not by alot of money, only £300 but it WAS my card that was used and it was used by my EX, we were together at the time yet he still denied using it, and the stupid co-op where the cash point was did not have cctv apparently their camera was broke at the time so they got a fine for it, never got my money and me n the ex split a few months later " I suspect that it is something along those lines. Fraudsters batter cards as quickly as possible expecting to get caught. Usually after one small test transaction like a phone top up. And fraudsters are very unlikely to use cash withdrawels and definitely not multiple small ones. If they were withdrawing cash it would have been max daily amount on a daily basis until the card was retained. Small amounts, from the same local cash machine is not going to be fraud. It is going to be theft. Out of interest what are your daughters living arrangements is she sharing? If her card can;t be cloned has she asked if a their is a second named carduser on her account? | |||
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"Cash withdrawals of smallish amounts 4-5 times a day would take quite a few days to rack up £4,000 of withdrawals. Let's assume smallish means £30, that would mean £120-£150 a day and 26-33 days consecutively to withdraw that amount of money. Can she access her statements online and see exactly what was withdrawn and when? I'm sure she can prove on more than one occassion that she was somewhere else at the time. dont all cashpoints have a £250 a day limit? so if it is small amounts, they could still get 4k out in a little over a fortnight." £250 a day for 16 days is not a small amount. It shows a determination to max the card out, either by the cardholder or by a cloned card. It's certainly suspicious but what traiggers alarm bells in my mind is that Santander didn't contact the cardholder and verify that she was making the withdrawals. | |||
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"Similar thing happened to me, but not by alot of money, only £300 but it WAS my card that was used and it was used by my EX, we were together at the time yet he still denied using it, and the stupid co-op where the cash point was did not have cctv apparently their camera was broke at the time so they got a fine for it, never got my money and me n the ex split a few months later I suspect that it is something along those lines. Fraudsters batter cards as quickly as possible expecting to get caught. Usually after one small test transaction like a phone top up. And fraudsters are very unlikely to use cash withdrawels and definitely not multiple small ones. If they were withdrawing cash it would have been max daily amount on a daily basis until the card was retained. Small amounts, from the same local cash machine is not going to be fraud. It is going to be theft. Out of interest what are your daughters living arrangements is she sharing? If her card can;t be cloned has she asked if a their is a second named carduser on her account? " ive replied privately .. | |||
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"Cash withdrawals of smallish amounts 4-5 times a day would take quite a few days to rack up £4,000 of withdrawals. Let's assume smallish means £30, that would mean £120-£150 a day and 26-33 days consecutively to withdraw that amount of money. Can she access her statements online and see exactly what was withdrawn and when? I'm sure she can prove on more than one occassion that she was somewhere else at the time. dont all cashpoints have a £250 a day limit? so if it is small amounts, they could still get 4k out in a little over a fortnight. £250 a day for 16 days is not a small amount. It shows a determination to max the card out, either by the cardholder or by a cloned card. It's certainly suspicious but what traiggers alarm bells in my mind is that Santander didn't contact the cardholder and verify that she was making the withdrawals." that is what i would have thought ? marks and spencer stopped use of my credit card because they wanted to verify a payment of £3.70 to an american forum site ... | |||
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" £250 a day for 16 days is not a small amount. It shows a determination to max the card out, either by the cardholder or by a cloned card. It's certainly suspicious but what traiggers alarm bells in my mind is that Santander didn't contact the cardholder and verify that she was making the withdrawals. that is what i would have thought ? marks and spencer stopped use of my credit card because they wanted to verify a payment of £3.70 to an american forum site ..." had used one card quite a few times on amazon over a long period for low value purchases (typically less than £10) but when bought new TV my card company called to question it - but had then to resubmit the booking as initially the card company had blocked it frustrating but guess shows they do track useage | |||
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" had used one card quite a few times on amazon over a long period for low value purchases (typically less than £10) but when bought new TV my card company called to question it - but had then to resubmit the booking as initially the card company had blocked it frustrating but guess shows they do track useage" I'd rather have the hassle of having to do a transaction twice because of security checks than the hassle of proving I was a legitimate victim of fraud. I always thank my credit card company for phoning to check a transaction I've made or am attempting to make is valid. | |||
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"my sster has special needs and the same thing happened to her but they got caught out when they use dher card online for i tunes as she has no ipod or iphone how they thenknew it was eer up till then they decided that she was forgetfull she got all her money back and as soon as she reported it then the bank closed her card off immediatly and sent her a new one bt as soon as the police were involved the bank acted better ad the police have logged a compliant against the man dealing with her claim as he thought as she was special needs he could blame it on her infact shr card was cloned " how was her card cloned ...do you know ? | |||
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"If it was a credit card you normally only get a statement once a month to check, in which time it could be maxed out." not necessary... capital one for example can send me out a text once a week to keep me up to date with any balance... plus for example I check online my account balance online once a week .... but if there is any chance of spending patterns no matter how small, they can get in touch... thats what i did when i worked for american express | |||
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"at a cash point she uses everytime near her " my daughter is in bucks too? | |||
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"If it was a credit card you normally only get a statement once a month to check, in which time it could be maxed out. not necessary... capital one for example can send me out a text once a week to keep me up to date with any balance... plus for example I check online my account balance online once a week .... but if there is any chance of spending patterns no matter how small, they can get in touch... thats what i did when i worked for american express" Hence why I didn't use the words " all CC statements. My CC statement comes once a month, nothing inbetween unless I try and make a big purchase ( I only use it for internet shopping ) and they block it until I ring to confirm it is me ( which I am happy about ) | |||
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"Cash withdrawals of smallish amounts 4-5 times a day would take quite a few days to rack up £4,000 of withdrawals. Let's assume smallish means £30, that would mean £120-£150 a day and 26-33 days consecutively to withdraw that amount of money. Can she access her statements online and see exactly what was withdrawn and when? I'm sure she can prove on more than one occassion that she was somewhere else at the time. dont all cashpoints have a £250 a day limit? so if it is small amounts, they could still get 4k out in a little over a fortnight. £250 a day for 16 days is not a small amount. It shows a determination to max the card out, either by the cardholder or by a cloned card. It's certainly suspicious but what traiggers alarm bells in my mind is that Santander didn't contact the cardholder and verify that she was making the withdrawals. that is what i would have thought ? marks and spencer stopped use of my credit card because they wanted to verify a payment of £3.70 to an american forum site ..." i dont get this ether we are with the clysdale bank and if we try to use the same cash machine 3 days in a row they phone us straight away to make shure it is us withdrawing the money and our daughter inlaw is with santandare and when she tried to pay a bill for us over the phone even though she had the funds the bank thought it was fruad so blocked it straight away | |||
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"If it was a credit card you normally only get a statement once a month to check, in which time it could be maxed out." I guess it could be one where she gets a monthly statement, but I think that's rarer now than ones you can check online. I personally wouldn't have one you couldn't track online because I am sooo bad with money I have to be able to keep track throughout the month! Must have a huge credit limit on the card though too for so much to be taken...think a lot of people don't realise how much they have on credit cards, and banks have a habit of upping the limit whenever they feel like it. There's no excuse for the scumbags that steal like this, but I do think sometimes people are a bit lax with Credit Cards which makes it easier for the bastards to do things like this x | |||
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"How very odd as when my son was involved in a scam, Santander shut his bank account instantaneously and opened him a new one! Get the police involved, ring the banks ombudsman and speak to them. Also find out who the cash point belongs to and ring them, get them to check the machine. I work with someone who's partner is a manager at one of their branches, will ask him to speak to her and get back to you though will be difficult given the 4 days holiday." thanks ..this all kicked off yesterday so hoping for better news today . | |||
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"it seems that these people clone the card and then use it at the same ATM to make it look like the card holder is telling lies ......i just hope we can sort it today I hardly slept at all last night ....this has put the tin hat on my year so far not sure how much more stuff I can deal with ......." it wont be a cash machine that its been cloned with, it will be when she has used it in a shop and thats when you got the opertunity to have someone type the pin and scan the card on a machine that is modded to retain any details its been given for cloning, much more unoticiable than on a cash machine where its obvious its been tampered with | |||
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"If it was a credit card you normally only get a statement once a month to check, in which time it could be maxed out. I guess it could be one where she gets a monthly statement, but I think that's rarer now than ones you can check online. I personally wouldn't have one you couldn't track online because I am sooo bad with money I have to be able to keep track throughout the month! Must have a huge credit limit on the card though too for so much to be taken...think a lot of people don't realise how much they have on credit cards, and banks have a habit of upping the limit whenever they feel like it. " That I agree with, they just up the limit without needing to be asked, I am guessing so you spend more. I only use mine on internet purchases so I don't lose track....now ok, lots of people on the web have my details and it could be used by them but I didn't ask and refused when they offered a pin number for the card so thankfully if someone took money out like the OP they would know it wasn't me. All scary though, especially if you have to fight with the banks and you knew it wasn't you. Mr Ruggers had items come out of his bank a couple of years ago ( one being itunes like someone up there funnily enough)....but his bank were brilliant, he filled in a form and within days the money was refunded. | |||
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"it seems that these people clone the card and then use it at the same ATM to make it look like the card holder is telling lies ......i just hope we can sort it today I hardly slept at all last night ....this has put the tin hat on my year so far not sure how much more stuff I can deal with ....... it wont be a cash machine that its been cloned with, it will be when she has used it in a shop and thats when you got the opertunity to have someone type the pin and scan the card on a machine that is modded to retain any details its been given for cloning, much more unoticiable than on a cash machine where its obvious its been tampered with" The cash machine at the top of my street was hit recently by people who attached a reader to the slot for the card. Atms can be targeted and they can get all the details they need to clone your card. | |||
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"it seems that these people clone the card and then use it at the same ATM to make it look like the card holder is telling lies ......i just hope we can sort it today I hardly slept at all last night ....this has put the tin hat on my year so far not sure how much more stuff I can deal with ......." have you had any good news on this today? | |||
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"it seems that these people clone the card and then use it at the same ATM to make it look like the card holder is telling lies ......i just hope we can sort it today I hardly slept at all last night ....this has put the tin hat on my year so far not sure how much more stuff I can deal with ....... have you had any good news on this today?" No santander are still saying the card cant have been cloned ,so today it was back to the police...hopefully they will be able to get the cctv....last transaction was last sunday when 4 amounts were taken .. | |||
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"fingers crossed ... hope you get a better sleep tonight" thanks we havespoken to lots of people and are hopeful it can be sorted | |||
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