FabSwingers.com forum: Question

By *iamondsmiles. OP Woman
over a year ago

little house on the praire

I have just checked my bank account and two days on the trot last week two amounts of money that i wouldnt spend have come out of my account for tescos. Now i am always in tesco using my card but this is money i wouldnt normally spend in there and certainly not two days on the trot. Could i find out what was purchased?

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By *ugby 123Couple
Forum Mod
over a year ago

O o O oo

I would phone your bank and ask what time the card was used

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By *iamondjoeMan
over a year ago

Glastonbury

"I would phone your bank and ask what time the card was used"

Yes

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By (user no longer on site)
over a year ago

definitely check it out - i pay an amount to a subscription for a magazine and they have taken it out twice - some people never check their account - ok this is only 12 quid but its my 12 quid - im going to sort it tomorrow

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By (user no longer on site)
over a year ago

"I would phone your bank and ask what time the card was used"

This .. As soon as you spot any transaction you don't recognise flag it with them as potential fraud. Sometimes fraudsters will start with small amounts to see if still works then hit you with the big stuff. Worse case get the card stopped and another reissued.

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By *iamondsmiles. OP Woman
over a year ago

little house on the praire

And ive just checked the dates its when we where away last week so i know i was nowhere near tesco

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By (user no longer on site)
over a year ago

"And ive just checked the dates its when we where away last week so i know i was nowhere near tesco"

If your going off your Internet banking it sometimes trips me up also. Like pending transactions or the dates will be a day after I bought something. Probably nothing to worry about and it's just taken a while to come through!

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By (user no longer on site)
over a year ago

Check that the transaction date is the same as the date it's posted (showing that it's debited ) to your account, some online banking sites give you that detail. Can be that they didn't process card transactions for a certain number of days and then did them all at once

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By *iamondsmiles. OP Woman
over a year ago

little house on the praire

"And ive just checked the dates its when we where away last week so i know i was nowhere near tesco

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By (user no longer on site)
over a year ago

"Check that the transaction date is the same as the date it's posted (showing that it's debited ) to your account, some online banking sites give you that detail. Can be that they didn't process card transactions for a certain number of days and then did them all at once"

Tsb are a nightmare for this! My, Coutts account is bob on!

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By (user no longer on site)
over a year ago

Tesco bulk there payments to save money, might be 2 days before they are presented (payments is my game) so if your overdrawn go to tesco, do a contactless payment, it will be accepted

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By (user no longer on site)
over a year ago

"Tesco bulk there payments to save money, might be 2 days before they are presented (payments is my game) so if your overdrawn go to tesco, do a contactless payment, it will be accepted "

Not really advisable as the bank can then charge you for a forced payment transaction, unauthorised overdraft charges , debit interest etc etc

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By *iamondsmiles. OP Woman
over a year ago

little house on the praire

Right i have all my normal tesco and on these two days its actually showing three lots of money taken out both days but the other amounts are roughly what id spend i only noticed these cause there out of character

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By (user no longer on site)
over a year ago

The one I hate is the "pay at pump"

It deducts a pound as a verification, and then the transaction sits in pending payments for a couple of days

You never quite know when it's actually going to be deducted from your balance

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By *iamondsmiles. OP Woman
over a year ago

little house on the praire

"Tesco bulk there payments to save money, might be 2 days before they are presented (payments is my game) so if your overdrawn go to tesco, do a contactless payment, it will be accepted

Not really advisable as the bank can then charge you for a forced payment transaction, unauthorised overdraft charges , debit interest etc etc"
im not overdrawn i wouldnt have noticed if i wasnt checking my transactions for sonething else

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By (user no longer on site)
over a year ago

"I have just checked my bank account and two days on the trot last week two amounts of money that i wouldnt spend have come out of my account for tescos. Now i am always in tesco using my card but this is money i wouldnt normally spend in there and certainly not two days on the trot. Could i find out what was purchased?"

Call up the bank and check whether it was pin or touch

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By (user no longer on site)
over a year ago

"Tesco bulk there payments to save money, might be 2 days before they are presented (payments is my game) so if your overdrawn go to tesco, do a contactless payment, it will be accepted "

Gonna remember that lol

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By *iamondsmiles. OP Woman
over a year ago

little house on the praire

Call up the bank and check whether it was pin or touch"
has to be pin too much for contactless

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By (user no longer on site)
over a year ago

But yeah, OP flag it asap. I know it's difficult being the easter weekend... must be a reason why fraudsters choose this weekend?

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By (user no longer on site)
over a year ago

Call up the bank and check whether it was pin or touchhas to be pin too much for contactless"

U better get the card cancelled and replaced...too risky if u don't remember whether it was u

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By *iamondsmiles. OP Woman
over a year ago

little house on the praire

Call up the bank and check whether it was pin or touchhas to be pin too much for contactless

U better get the card cancelled and replaced...too risky if u don't remember whether it was u"
i know damn well it wasnt me

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By *iamondsmiles. OP Woman
over a year ago

little house on the praire

"But yeah, OP flag it asap. I know it's difficult being the easter weekend... must be a reason why fraudsters choose this weekend?"
it wasnt this weekend its over a week ago ive just noticed now

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By (user no longer on site)
over a year ago

"But yeah, OP flag it asap. I know it's difficult being the easter weekend... must be a reason why fraudsters choose this weekend?it wasnt this weekend its over a week ago ive just noticed now"

Call them now!!

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By *iamondsmiles. OP Woman
over a year ago

little house on the praire

"But yeah, OP flag it asap. I know it's difficult being the easter weekend... must be a reason why fraudsters choose this weekend?it wasnt this weekend its over a week ago ive just noticed now

Call them now!!"
think it can wait till the morning

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By (user no longer on site)
over a year ago

"But yeah, OP flag it asap. I know it's difficult being the easter weekend... must be a reason why fraudsters choose this weekend?it wasnt this weekend its over a week ago ive just noticed now

Call them now!!think it can wait till the morning"

Lost and stolen card lines are open 24/7 if you do it now your new card request can start. Also if you believe your card is being fraudulently used then there's bugger all to stop it being used tonight and taking more money from your account which you will need to dispute.

I can't stress how important it is to not wait if you think your card security has been compromised

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By (user no longer on site)
over a year ago

Tesco are a pain for the money not leaving your account for up to a week later xx

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By (user no longer on site)
over a year ago

Can also depend on the type of card and the amount spent which causes issues like this, had to deal with tons of complaints about card transactions when I worked in a Bank.

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By *iamondsmiles. OP Woman
over a year ago

little house on the praire

"Tesco are a pain for the money not leaving your account for up to a week later xx"
but this is the thing im in nearly everyday and all the days up to and since have gone out normally. Know way have i built up spending £180 in tesco before theyve decided to take it. That would be about six weeks worth of transactions

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By *ickawitchCouple
over a year ago

Away with the fairies (Liverpool to you)

"The one I hate is the "pay at pump"

It deducts a pound as a verification, and then the transaction sits in pending payments for a couple of days

You never quite know when it's actually going to be deducted from your balance

It does this with me.....shows as £1 pending for days then takes out £40 - I have learnt to check now and not just look at my balance

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By *ugby 123Couple
Forum Mod
over a year ago

O o O oo

"But yeah, OP flag it asap. I know it's difficult being the easter weekend... must be a reason why fraudsters choose this weekend?it wasnt this weekend its over a week ago ive just noticed now

Call them now!!think it can wait till the morning"

If more money is taken out between now and the morning and the bank found out you knew something odd was going on they may say those transactions are your own fault. I would phone the 24/7 line to let them know

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By (user no longer on site)
over a year ago

"The one I hate is the "pay at pump"

It deducts a pound as a verification, and then the transaction sits in pending payments for a couple of days

You never quite know when it's actually going to be deducted from your balance

It does this with me.....shows as £1 pending for days then takes out £40 - I have learnt to check now and not just look at my balance

The pound earmark on your account just confirms that the card is valid and the PIN was entered correctly, its then superseded by the actual transaction, the £1 never leaves your account.

The banks say that as you made the transaction, it's your responsibility to know that that money will be coming out of your account and to allow for it, even if it's not showing as an earmarked (pending) transaction

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By *iamondsmiles. OP Woman
over a year ago

little house on the praire

Ok well little miss airhead has just worked it out

but im not telling you lot cause you will think im even dafter than i am

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By *ugby 123Couple
Forum Mod
over a year ago

O o O oo

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By (user no longer on site)
over a year ago

We're all only human, Good to know it's nowt to worry about

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By *iamondsmiles. OP Woman
over a year ago

little house on the praire

"We're all only human, Good to know it's nowt to worry about

"
apart from me losing my marbles

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By (user no longer on site)
over a year ago

It happened to me a last year, Bank contacted me about a few suspicious transactions,

I only used it once that day in a local shop, I knew it was them as the item I bought never showed up on my transactions, But the same day 2 mobile top ups was bought for 50 pound each, Then they tried to buy a TV from another shop for 900 pound, That's when the bank stopped them, I got all of my money back, I never found out what happened, In fact I'm going to contact them and ask them

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By (user no longer on site)
over a year ago

bugs me at times stores are quick enough to take money instantly but takes forever to get back if you need a refund

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By (user no longer on site)
over a year ago

It could be these new wireless "touch" payment devices - your card just has to be in the vicinity of another customer's till just as they are trying to pay, and it can lock onto your card instead.

In fact this "electronic pickpocketing" is already such a worry that North Wales Police are supplying special slip-cases to keep your cards in, and are advising everyone to buy and use them.

They are very cheap to buy and I've already got covers for all my cards.

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By *ophieslutTV/TS
over a year ago

Central

Phone your bank who will likely have a 24/7 support line. Criminals often use deductions of small amounts when testing accounts for more major fraud. The bank can then have your account on alert status, giving them the responsibility of surveillance and transaction suspension and rejection.

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By (user no longer on site)
over a year ago

Phew glad you got that sorted op xxxx

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By (user no longer on site)
over a year ago

Report as possible fraud ASAP. If these are amounts you would not have spent then they are clearly not just delayed payments.

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By *et a roomCouple
over a year ago

Leeds

"Report as possible fraud ASAP. If these are amounts you would not have spent then they are clearly not just delayed payments."

She's resolved it now.

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By *iss_tressWoman
over a year ago

London

My bank phones me if my card is used more than three times in a day, if I access my account from a computer not in my home or office and send me a new card if they spot any "unusual" transaction.

I'd have contacted my bank immediately not check in with the Inspector Clouseau's on here!

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By *thwalescplCouple
over a year ago

brecon

"And ive just checked the dates its when we where away last week so i know i was nowhere near tesco

Some card fraud is on a huge scale across thousands of cards at a time, and they take very small amounts so you might not notice, you haven't said how much it is but if its small amounts more than a one-off, call the Police card-fraud team.

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By (user no longer on site)
over a year ago

What was the purchase that's the real question!!!!

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By *iss_tressWoman
over a year ago

London

"Report as possible fraud ASAP. If these are amounts you would not have spent then they are clearly not just delayed payments.

She's resolved it now. "

So she has!

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By *iamondsmiles. OP Woman
over a year ago

little house on the praire

My bank phones me if my card is used more than three times in a day, if I access my account from a computer not in my home or office and send me a new card if they spot any "unusual" transaction.

I'd have contacted my bank immediately not check in with the Inspector Clouseau's on here!"
its a good job i didnt as i worked it out and noone came up anyway with what i could of done. But i worked it out for myself. Usually if a transaction flags up with my bank they start ringing and texting both phones

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By *iamondsmiles. OP Woman
over a year ago

little house on the praire

"What was the purchase that's the real question!!!!"
im not saying word

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By (user no longer on site)
over a year ago

"We're all only human, Good to know it's nowt to worry about

apart from me losing my marbles

I wished I'd read this earlier as it would have been resolved in seconds.

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By (user no longer on site)
over a year ago

"What was the purchase that's the real question!!!!im not saying word"

I bet you was looking at the wrong account OR you made a purchase online and forgot about it!

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By *iamondsmiles. OP Woman
over a year ago

little house on the praire

"What was the purchase that's the real question!!!!im not saying word

I bet you was looking at the wrong account OR you made a purchase online and forgot about it!"
if you decide not to go to sleep and are bored you can try and work it out you get a prize if you get it right as noone else has

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By (user no longer on site)
over a year ago

Got it. It's been bank holiday so any subscriptions like phone etc or even payments will show up earlier or later with it being easter weekend. BOOOOOOOSH.

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By (user no longer on site)
over a year ago

The suspense is killing me!

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By *iamondsmiles. OP Woman
over a year ago

little house on the praire

"Got it. It's been bank holiday so any subscriptions like phone etc or even payments will show up earlier or later with it being easteir weekend. BOOOOOOOSH."
last week wasnt bank holiday. But what youve got to work out is why its showing amounts i wouldnt normally spend and i didnt purchase anything for those amounts.

The only person that has worked it out and i told him exactly what i put in my op was my partner and he worked it out straightaway after id worked it out for myself

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By *iamondsmiles. OP Woman
over a year ago

little house on the praire

"The suspense is killing me!"
its actually something blatently obvious

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By (user no longer on site)
over a year ago

Got it. It's not a debit your looking at but rather a credit and it's just minus purchases. So as it's bringing your balance down you've confused it for spending! BOOOOOOOOOOOSH!

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By *iamondsmiles. OP Woman
over a year ago

little house on the praire

"Got it. It's not a debit your looking at but rather a credit and it's just minus purchases. So as it's bringing your balance down you've confused it for spending! BOOOOOOOOOOOSH!"
i will tell you tomorrow im going to sleep

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By (user no longer on site)
over a year ago

Happend to My son last week his card had been cloned . He got cash back and new card just go into bank

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By (user no longer on site)
over a year ago

"Got it. It's not a debit your looking at but rather a credit and it's just minus purchases. So as it's bringing your balance down you've confused it for spending! BOOOOOOOOOOOSH!i will tell you tomorrow im going to sleep

Oh hell no.

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By (user no longer on site)
over a year ago

REFUND FROM TESCO!!

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By (user no longer on site)
over a year ago

March/April overpayment for home insurance from TESCO?!

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By *iamondsmiles. OP Woman
over a year ago

little house on the praire

"REFUND FROM TESCO!!"
no the money was taken out my account not put in

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By (user no longer on site)
over a year ago

BUT why did it go to TESCO? Home insurance? OMFG I'VE GOT IT... I'VE ACTUALLY GOT IT.

CAT INSURANCE FOR THE YEAR.

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By *iamondsmiles. OP Woman
over a year ago

little house on the praire

"BUT why did it go to TESCO? Home insurance? OMFG I'VE GOT IT... I'VE ACTUALLY GOT IT.

CAT INSURANCE FOR THE YEAR."
no but your thinking logically

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By (user no longer on site)
over a year ago

Right it must be one of these things...MUST BE...and you said 3 payments over 2 days... so I'm guessing g you've took these policies out over the 2 days (obvs). So pet, home and car insurance.

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By (user no longer on site)
over a year ago

OR its a ANNUAL STATEMENT

which shows your purchases to date!

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By *issBehavingxxWoman
over a year ago

Glasgow

Cash from machines at Tesco Stores??

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By (user no longer on site)
over a year ago

"Cash from machines at Tesco Stores?? "

'Kin ell! WHY DIDN'T I THINK OF THAT!

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By *ee VianteWoman
over a year ago

Somewhere in North Norfolk

"Cash from machines at Tesco Stores?? "

That wouldn't show as Tesco. It would show as a cash machine withdrawal.

It's more likely to be cashback making the amount up to an unusual number.

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By *iamondsmiles. OP Woman
over a year ago

little house on the praire

"Cash from machines at Tesco Stores?? "
well done, i actually but my normal amount of stuff but as i was going on holiday i took £50 cash back two days on the trot and it just came up on my account the next two days which just happened to be while we where away. But as your the only one to have worked it out i dont feel as daft

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By (user no longer on site)
over a year ago

"Cash from machines at Tesco Stores??

That wouldn't show as Tesco. It would show as a cash machine withdrawal.

It's more likely to be cashback making the amount up to an unusual number."

BUT why would you get cash back 3 times over 2 days? You'd just use the cash machine? It's very rare we need cash these days? Unless.... (here's where the plot thickens) MAYBE she needed the cash back 3 different times because she's buying drugs on tick?!?!?! Untraceable! I knew it! GOT IT!!!!!

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By *iamondsmiles. OP Woman
over a year ago

little house on the praire

"Cash from machines at Tesco Stores??

That wouldn't show as Tesco. It would show as a cash machine withdrawal.

It's more likely to be cashback making the amount up to an unusual number."
she was correct enough that if it had been posted at the start of the thread i would of realized straight away what id done

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By *iamondsmiles. OP Woman
over a year ago

little house on the praire

"Cash from machines at Tesco Stores??

That wouldn't show as Tesco. It would show as a cash machine withdrawal.

It's more likely to be cashback making the amount up to an unusual number.

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By (user no longer on site)
over a year ago

"Cash from machines at Tesco Stores??

That wouldn't show as Tesco. It would show as a cash machine withdrawal.

It's more likely to be cashback making the amount up to an unusual number.

I even made a coffee battering my brains over this. As if. Lol least you know now!

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By *iamondsmiles. OP Woman
over a year ago

little house on the praire

"Cash from machines at Tesco Stores??

That wouldn't show as Tesco. It would show as a cash machine withdrawal.

It's more likely to be cashback making the amount up to an unusual number.

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By (user no longer on site)
over a year ago

"Cash from machines at Tesco Stores??

That wouldn't show as Tesco. It would show as a cash machine withdrawal.

It's more likely to be cashback making the amount up to an unusual number.

Think we've established I'm not the sharpest tool in the box. Holiday sounds good!

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By *iamondsmiles. OP Woman
over a year ago

little house on the praire

"Cash from machines at Tesco Stores??

That wouldn't show as Tesco. It would show as a cash machine withdrawal.

It's more likely to be cashback making the amount up to an unusual number.

Think we've established I'm not the sharpest tool in the box. Holiday sounds good!"
good job your funny then to make up for it

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By (user no longer on site)
over a year ago

Blurry line between funny and odd but we will stick with funny lol

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By *ugby 123Couple
Forum Mod
over a year ago

O o O oo

"Got it. It's been bank holiday so any subscriptions like phone etc or even payments will show up earlier or later with it being easteir weekend. BOOOOOOOSH.last week wasnt bank holiday. But what youve got to work out is why its showing amounts i wouldnt normally spend and i didnt purchase anything for those amounts.

The only person that has worked it out and i told him exactly what i put in my op was my partner and he worked it out straightaway after id worked it out for myself"

Money exchange?

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By *ee VianteWoman
over a year ago

Somewhere in North Norfolk

The only person that has worked it out and i told him exactly what i put in my op was my partner and he worked it out straightaway after id worked it out for myself

Money exchange?"

Cashback

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By *ugby 123Couple
Forum Mod
over a year ago

O o O oo

"Cash from machines at Tesco Stores?? well done, i actually but my normal amount of stuff but as i was going on holiday i took £50 cash back two days on the trot and it just came up on my account the next two days which just happened to be while we where away. But as your the only one to have worked it out i dont feel as daft

I was closeish, you weregoing on holiday and I thought you had got money exchanged....ok not that close but I am having it

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By (user no longer on site)
over a year ago

this is actually a feel good thread, all works out well in the end

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By (user no longer on site)
over a year ago

"Ok well little miss airhead has just worked it out

but im not telling you lot cause you will think im even dafter than i am"

I do it all the time. I had someone take 40 out from an american telecommunications company. I was like wtf. Only to relis3 it was a restaurant and the till company showed up not the restaurant lol xx

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