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View Full Version : Credit card fraud! Perfect *!^"%* timing!


madmumof2
09-14-2009, 03:35 AM
With 3 weeks to go, I've become a victim of credit card fraud! :mad:

I've saved so hard and loooooong for this, and I now only have $1000 on my fairfx card. It's been cancelled and they're going to look into it, and are transferring the money I have left onto another card for me so they've been great.

BUT it could take up to 45 days for them to contact the police and get paperwork etc to get the rest of the money back. :( So I doubt I'll have it back before I go.

Someone has used my card details in China somewhere on some website. I've contacted the website and told them about it so hopefully they'll refund me, but I'm not sure. I've contacted the police and they told me they can only do something if fairfx fails to. Fairfx said they can't see any reason why I won't get my money back and they've been fantastic, but it doesn't look like I'll get it back before I go.

Absolutely gutted. Anyone who reads my blog, or my posts on here even, knows how long I've been saving for this holiday, and how hard it's been, and now when it's this close, this happens. I always have my card in my pocket so it must have been cloned somewhere. :mad:

I don't really know what to do. I haven't got enough really to do what we planned to do, and only have 3 weeks to save up as much as possible.

I got my flight tickets the other day and was so excited thinking that's all the stresses over with, just the spending money to concentrate on. Now I'm in total panic mode wondering how the hell I'm going to have enough money for the 3 of us for 2 weeks.

I just want to curl up in a ball and wake up when it's all sorted. :(

orangetiggs
09-14-2009, 03:37 AM
sorry to hear all this

is it a normal credit card thats been cloned or your fairfx card??

madmumof2
09-14-2009, 03:41 AM
My fairfx card, I don't have any credits cards so this is the only thing I have to spend in Orlando. :(

orangetiggs
09-14-2009, 03:43 AM
thats not good, i just logged into mine and checked what i spent over our holiday,

do you know how they would have got your details?

madmumof2
09-14-2009, 03:47 AM
No idea, I always keep it in my pocket, no one has ever touched it but me. Fairfx said it's probably been cloned somehow when I've used a cash point or over the counter somewhere. :( They know I didn't spend the money as it was in China somewhere so I should get all the money back no problem, it's just the timing. I've not got enough right now, and I highly doubt I'll get it back and sorted in 3 weeks. :sad2:

aaronandterri
09-14-2009, 04:05 AM
:hug:hope you get this sorted, is there any family or anyone who might lend t to you until this is sorted out?

OrlandoMagic
09-14-2009, 04:20 AM
I'm so sorry to hear this has happened to you, what a nightmare! :sad1:

Fingers crossed they sort it out quickly for you :wizard:

suzybear6
09-14-2009, 04:24 AM
Oh what awful timing {{{HUGS}}}

I hope they pull their finger out and get it sorted before you go away. It certainly doesn't take as long as 45 days with some other banks. Someone spent 2,500 of my money on my LloydsTSB debit card last year and they refunded me the money within 5 days!

If you can't borrow some money from family or friends, maybe getting a credit card to tide you over until they refund the money would work?

Luv Suzy

madmumof2
09-14-2009, 04:34 AM
I can't, I have bad credit, which is why I've had to save and paid for everything before I go.

I'll ask my mum if she will lend me her card in case I need it and pay her back when I get my money back, but I'd rather not have to ask her. I wanted to do this all myself this time, I've always borrowed money from my mum. :(

Hopefully it doesn't take 45 days! I'm emailing the website it was spent on back and forth and they've said they've not received the money, so hopefully it's in limbo somewhere and if they cancel it it'll go back onto my card.

sam_rogers
09-14-2009, 04:58 AM
thats terrible :hug: fingers crossed everything gets sorted before you go

Claire L
09-14-2009, 05:04 AM
I can't, I have bad credit, which is why I've had to save and paid for everything before I go.

I'll ask my mum if she will lend me her card in case I need it and pay her back when I get my money back, but I'd rather not have to ask her. I wanted to do this all myself this time, I've always borrowed money from my mum. :(

Hopefully it doesn't take 45 days! I'm emailing the website it was spent on back and forth and they've said they've not received the money, so hopefully it's in limbo somewhere and if they cancel it it'll go back onto my card.

I am not sure how you can 'borrow' your Mum's card as signatures are needed in the US.

Claire ;)

madmumof2
09-14-2009, 05:05 AM
I meant for cash points. :)

Pegasus928
09-14-2009, 05:11 AM
This is awful and I really feel for you.
I hope that now that both fairfx and the website involved know about it something can get done sooner rather than later.
I will ensure I have everything crossed for you, and that we will see you on here soon with some positive news pixiedust:

Claire L
09-14-2009, 05:16 AM
I meant for cash points. :)

Ah that is ok then :)

Hope you get the rest of your money back soon :)

Claire ;)

Beth__WDW23/6/02
09-14-2009, 05:33 AM
How strange for it to be cloned. Have you used your card over here? When you used your card for say online transactions surely they was secure?
Hope you manage to get the money back,or someone can lend you the money prior to leaving. Fingers crossed.

hunty
09-14-2009, 05:44 AM
Just for info (and dont tell my daughter :hippie: ) They never check your signature, in fact a lot of time they ask you to swipe the card your self in a machine , and you put your card back in your wallet before you sign on an electronic keypad :rotfl: not sure why but thats how its done

hope you get it sorted its terrible stress for you

Beth__WDW23/6/02
09-14-2009, 05:47 AM
Also be warned that using any form of card prior to a trip you need to let your bank/CC know, some companies block the card until they can confirm you had made the transaction.

natalielongstaff
09-14-2009, 07:10 AM
I hope your money gets returned quickly :hug:

lin85prest
09-14-2009, 07:17 AM
What an absolutely terrible thing to happen, I hope it gets sorted out quickly:mad:

SimonY
09-14-2009, 07:23 AM
I know it's always easy to realise things in hindsight but have you considered having several FairFX cards and splitting your money across them? Between DW and me we have 4 - that way we restrict our losses if anything happens to any of them. We've used various free offers (inc. Matalan and the refer a friend and get 5.00 of currency) to get them so the cards have cost nothing.

madmumof2
09-14-2009, 07:36 AM
Yes I've got another one, and fairfx have said they'll transfer my remaining balance onto that one, as my main one is now cancelled so that's a weight lifted, I just hope they can refund the money that's been taken before we leave!

Lisa x
09-14-2009, 07:51 AM
Hopefully, considering the circumstances and the fact that you leave soon, they may make an extra effort to help sort this....fingers crossed for you!

Iv just read your blog, you have worked so hard to get that money together, I genuinely hope this is resolved and you can have a magical holiday, looks like you definitely deserve it! :hug:

bronny
09-14-2009, 08:16 AM
Oh honey, what an awful thing to happen. Do you have a Credit Union close to you? My local one now does emergency loans to new customers with a reasonable rate of interest and not based on credit score. It might be worth giving them a ring to find out if they can help.

Delboy
09-14-2009, 08:17 AM
Fingers crossed for you

fairytale
09-14-2009, 09:55 AM
:hug::hug:I so feel for you.

The thought rang through my mind today "what if I lost all our saved currency etc" and I instinctly felt sick to the stomach.

I so hope this get sorted for you before you leave.

Fingers crossed for you

Mrs Dazzle
09-14-2009, 11:33 AM
So sorry to hear this has happened to you:sad2:

Having had our credit card cloned/attempted fraud on it three times now, I'm at a loss as to what's safe any more.

I really hope you get something sorted - you're so very nearly on your holiday:wizard:

howlongtillsummer?
09-14-2009, 01:32 PM
I would try to phone someone - sometimes emails can get pushed to the back of the tray. Tell them the situation and how you have read nothing but good things about their company and that you trust they will make it right for you. Tell them about the potential good publicity of getting it right.

I am so sorry this has happened and am wishing magic your way!:wizard:

Pooh's-Honey-Pot
09-14-2009, 01:39 PM
Hope you get it all sorted :goodvibes

kristieuk
09-14-2009, 02:26 PM
What a nightmare. I'm so sorry, as I'm sure this is taking the edge off what should be a time of excitement. I would definitely keep onto them, they have plenty of time to sort this out before you go on holiday, and after all, it is their responsibility to ensure the security of the funds on your card - if I have understood you properly, you haven't actually used your card at all?

madmumof2
09-14-2009, 02:41 PM
No I have used it, but no one but me has ever touched it. It's not in a purse or anything it's always in my pocket wherever I go so it must have been cloned. :( It was used online somehow so they must have had all my details. :S Scary.

Thanks everyone, I'm a little bit more hopeful now. Arranging a car boot for Sunday and selling stuff on ebay too. I've worked out how much I can put on from working (self employed so not a lot at all but better than nothing!) and I get some money when I'm out there too, so that should up it to about $1500. Plus whatever I can add on from money I'm going to save by cutting back on a lot of stuff we normally buy every week.

Not too bad, but still not nearly as much as I wanted to take. I certainly didn't want to be under 2k anyway :S

Here's hoping they can sort it all out before I go!

They've done the transfer from my main card to my other one so at least I know that's there and safe (although I can't remember my pin to that one! lol).

Snowy-girls
09-14-2009, 03:12 PM
Gem,i am really sorry to hear this,these people just don't understand how it effects others :sad2:.I hope you get the money they used back on your card for when you go away :wizard:.x.

UKDEB
09-15-2009, 03:14 AM
What most people don't realise is that if a credit or debit card is used fraudulently, the risk is that of the issuer, not the account holder. Assuming that the same applies to the FairFX card (and I can see no reason why it wouldn't as it's administered by MasterCard), they have no right to tell you that you must wait for the outcome of their investigations before receiving a refund. I have to get ready to go out now, but I'll post back later giving more details, together with a suggestion of what you should say to them.

oceanscape
09-15-2009, 05:11 AM
What most people don't realise is that if a credit or debit card is used fraudulently, the risk is that of the issuer, not the account holder. Assuming that the same applies to the FairFX card (and I can see no reason why it wouldn't as it's administered by MasterCard), they have no right to tell you that you must wait for the outcome of their investigations before receiving a refund. I have to get ready to go out now, but I'll post back later giving more details, together with a suggestion of what you should say to them.
Feel free to correct me if I'm wrong, but I believe that what you are referring to concerns consumer credit and the protections afforded to cardholders in such situations. Since the FairFx card is a pre-paid card, with no credit facility in your name, I believe that issues such as fraud, and also purchase protection claims, are not covered. FairFx are therefore within their right to investigate and need not give an immediate refund.

Spiritinthesky
09-15-2009, 05:46 AM
Wow, what a story, bad luck.

UKDEB
09-15-2009, 10:10 AM
Feel free to correct me if I'm wrong, but I believe that what you are referring to concerns consumer credit and the protections afforded to cardholders in such situations. Since the FairFx card is a pre-paid card, with no credit facility in your name, I believe that issues such as fraud, and also purchase protection claims, are not covered. FairFx are therefore within their right to investigate and need not give an immediate refund.
You're partly right, but it's not quite as straight-forward as you're suggesting. The protection afforded by the Consumer Credit Act does indeed apply only where credit is involved, but there doesn't need to be a "facility". Credit can be created by fraudulent activity and in such instances charge and debit cards (of which a pre-paid card is a variant) would be caught under the legislation. A simple example would be where the fraudulent use of your debit card causes an overdrawn position on your bank account. The CCA isn't the only piece of relevant legislation, though. The Consumer Protection (Distance Selling) Regulations and the Financial Service (Distance Marketing) Regulations] make the UK unique in providing protection against fraudulent use of debit cards.

Once you've reported your card lost or stolen, you're not liable for any fraudulent activity. If your card has not been used fraudulently up until that point, the issuer must refund all subsequent transactions. If the card has been used fraudulently, you're liable for the first 50 only. Unsurprisingly, the banks aren't pro-active in sharing this information. Despite what they may tell you, you are not liable if they deem you to have been grossly negligent in your care of a card and/or PIN. The legislation makes no such distinction and it takes precedence over any terms and conditions the card issuers may choose to impose. If you gave your card and PIN to a family member to buy some groceries and they went off on a spending spree, you would be liable for the fraudulent use. If however, the family member stole your card and PIN from your purse, you would not. This is because the legislation differentiates between those authorised to be in possession of the card and those not.