Bank fraud, trouble proving.

[Bellend]

So my bank card has obviously been cloned at some point. When and how no idea. I can't even be bothered to go into how can I protect myself as since chip and pin machines can be so easily messed about with, how can you tell? I just have different cards.

Anyways. I don't get text alerts for some reason, no idea why I did ask for them but just haven't looked into it.

I noticed a funny transaction from WJB Services, Sidcup. Exactly £20. Natwest said they'd refund. They didn't so rang back. They said (baring in mind they never let me know this after me chopping the card up as they said to) that it had been used with said company before and therefore they didn't think it was fraud.

Anyway got back round to it and realized three transactions been done. Never knew about it tbh. Small transactions (£20, £40 and £20) and I've just had a letter saying they won't do anything about it.

They asked if anyone knew my pin. I said nope, if ANYONE it would have possibly for example been my younger brother or girlfriend while I waited in the car but I can't remember telling anyone.

They said I'd breached T&C's by giving out my pin. I SPECIFICALLY said no and didn't say I definitely had.

Secondly they said that the first sale was done with the card with the pin being put in correct first time.

They said someone's taken my card and used it as I'd told them the pin and put it back without me knowing.

I said that's BS.

For a start they can find NOTHING on this "company". Only what they can google and a place in Essex pops up. That company can't take cards, it's not them.

Secondly they said it was used at WJB Sidcup at 19:53 and then in Tesco Larkfield at 20:05.

I asked how they proposed I got from Sidcup to Larkfield in 12 minutes. I said I definitely had my card and could definitely confirm I'd bought beer in Tesco at that time and was working in Snodland (just 5 mins from Larkfield) that evening fitting a clutch to a van and had an invoice as proof etc and the customer could prove.

They're saying it's impossible as the card was physically used.

I said well it's been cloned then obviously. They said well the trouble is it was chip and pin not magnetic strip. I said well since the billions of programs on TV have quite clearly shown chip and pin fraud is easy I'm not backing down.

They're saying they won't give up.

What can I do? It's total BS and although it's £80 it's not the point. I've just seen they have refunded £60 but not the full £80 and they said they'd probably take anything they've refunded back.

Is there a higher authority of some sort? 

[The Mighty Elvi]

They asked if anyone knew my pin. I said nope, if ANYONE it would have possibly for example been my younger brother or girlfriend while I waited in the car but I can't remember telling anyone.

They said I'd breached T&C's by giving out my pin. I SPECIFICALLY said no and didn't say I definitely had.

Ooops!

Were you dealing with the Natwest Fraud department. Usually the put the money back without quibble.

If you want to complain further you have to go to

http://www.fca.org.uk/consumers

[The Mighty Elvi]

Have you contacted WJB servies to ask about what the transaction were, and if the can give you a copy of their invoices / accounts system.

http://www.wjbservices.co.uk/about_overview.cfm

[Thom89]

A whole village in Leicester was slowly being cloned a few years back! and took a while for the Police to work out how it was being done, turned out the local petrol station was cloning cards, and had the CCTV camera pointing at the C/P machine!!! They got caught because the people running the scam didn't know who lived in the village, and who was just passing by... obviously people in the village started to talk to each other, and realised it was either the petrol station, or the local Co-op
They only took small amounts so no one would notice, and they made a small fortune!
Most people wouldn't notice a few quid missing from their accounts, but multiply this by a few thousand people... nice little earner

Thom

[Bellend]

Have you contacted WJB servies to ask about what the transaction were, and if the can give you a copy of their invoices / accounts system.

http://www.wjbservices.co.uk/about_overview.cfm

Was dealing with Natwest fraud department yeah.

I did ring thst company and they said they have no facilities for card payments. They only deal with big companies.

No one can link the two together either.

[dTEA]

Clearly state that you are raising a complaint with the FSA. Impossible journey is clear that it was fraud. The T&Cs part is where they will try to hold you, but it wasn't the physical card that they issued that was used and therefore it was fraud. FSA will want to take that up eith them Petrol stations are the biggest places that the skim machines seem to be used. Shell station near me was shut for 2 months as they cloned cards and also scammed mobile top ups too. Always cover your pin people.