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Fraudulent withdrawal from bank account watch

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    I went to Sheffield yesterday and my mum made a withdrawal from natwest (her bank account is with halifax). She went to withdraw some money from halifax at home today only to find out there's £9 left in the bank and on the mini statement, the money that has been removed unknowingly has been removed as cash so it can't possibly be a direct debit or anything which leads us to believe the card's been cloned in some way.
    I dunno how this skimming thing works but I used the same machine before her to get a mini statement and there's been no money removed from my account and her account is a savings one, so there's no chip in the card.
    Does anyone know who to get in touch with about this? There's no specific number on the halifax website and I don't know if this involves the natwest branch either :dontknow:
    help?
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    There should be a number on the back of the card - phone that.

    Its not the chips they copy its the magnetic strip, so not having a chip doesn't stop it being cloned.
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    I had £200 stolen from me out of a savings account (Which only has a cash card linked to it), so that was weird but I got it all back after an investigation. It's best to contact your bank (I did this by just going into the branch) and they'll do an investigation, which will include contacting the other bank during said investigation to let them know to check their ATM/cashpoint.
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    You can contact your bank, phoning the number on the card at any time, 24 hours. Do it yesterday because they guarantee you're not liable for any fraud after they've been notified. They will often dispute responsibility before they were notified.
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    She rang halifax and they said they can't do anything about it, she'll have to go into the branch tomorrow :s
    I just don't understand this because there were only 2 hole in the wall machines there and i'm pretty sure she used the same one that I used before her and nothing's been removed from my account

    Just in case it has been cloned or anything anyway as a word of 'warning', its the natwest branch on Sheffield High street
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    Generally the most common way they do this is by fixing a small card scanning device over the slot where you put you card in with a camera pointed at the keypad or sometimes with a separate keypad mounted over the original something like the image below:

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    The number for Halifax (HBOS) is 08457 203099. I got the number from the following website:
    http://www.cardwatch.org.uk/cardhold...stolen%20cards
    The scam which is depicted in the previous post is called the lebanese loop. Romanian gangs specialise in this type of crime. The other main type of card fraud is skimming where an exact copy of the data on the magnetic strip is made and is then reproduced on an a blank card. This commonly happens in two scenarios:
    1. Petrol stations which in this case will almost always staffed by tamils. They did this not just to make money for themselves but also to raise money for the LTTE (Tamil Tigers). They would then give to the details to other tamil criminals in Malayasia or somewhere where chip&pin doesen't operate and buy loads of stuff.
    2. The other scenario is where the card is taken out of your sight. This used to happen in a lot of restuarants. But now they will bring a portable credit card authorisation machine to your table. It dials in directly to VISA over GPRS. The lebanese loop is the worst one because they get your Pin because of the camera. They can then empty your account.
    The other thing you must be very careful about is ID theft. Kept your passport and driving license at home. Only carry around one debiit/credit card with you in a wallet in your pocket - not in your shoulder hangbag. Shread your documents etc.
    The bank will experience a lot of fraud if a loop has been installed. But your mother will not be liable because she hasn't be negligent.
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    (Original post by JamesF87)
    The number for Halifax (HBOS) is 08457 203099. I got the number from the following website:
    http://www.cardwatch.org.uk/cardhold...stolen%20cards
    The scam which is depicted in the previous post is called the lebanese loop. Romanian gangs specialise in this type of crime. The other main type of card fraud is skimming where an exact copy of the data on the magnetic strip is made and is then reproduced on an a blank card. This commonly happens in two scenarios:
    1. Petrol stations which in this case will almost always staffed by tamils. They did this not just to make money for themselves but also to raise money for the LTTE (Tamil Tigers). They would then give to the details to other tamil criminals in Malayasia or somewhere where chip&pin doesen't operate and buy loads of stuff.
    2. The other scenario is where the card is taken out of your sight. This used to happen in a lot of restuarants. But now they will bring a portable credit card authorisation machine to your table. It dials in directly to VISA over GPRS. The lebanese loop is the worst one because they get your Pin because of the camera. They can then empty your account.
    The other thing you must be very careful about is ID theft. Kept your passport and driving license at home. Only carry around one debiit/credit card with you in a wallet in your pocket - not in your shoulder hangbag. Shread your documents etc.
    The bank will experience a lot of fraud if a loop has been installed. But your mother will not be liable because she hasn't be negligent.
    your mother will not be liable because she hasn't be negligent.

    Not as easy as that, It is at the discretion of the bank and they are more and more playing hard ball oiver this.
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    These people are good, i always check and i've been a victim once.

    My card was cloned, sent to new york where a large withdrawal was made, halifax blocked the transaction though, thankfully!
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    I had this done once.
    It was for a £30 O2 pre-pay voucher, apparently a well known scam.

    HSBC sent me out a declaration to sign to say it wasn't me, investigated it and I got my money back within a couple of weeks.
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    well my mum went into the bank today and this is being investigated. The money was withdrawn in Rugby about an hour after we used the atm in Sheffield....which is about 2hrs away
    The card's been cancelled so it cant be used again and its a good job we've got the train tickets with the time stamped on them to prove we werent there at the time.

    I thinks its ridiculous that people get away with things like this. My mum was even asked if she'd like to press charges if they find whoever did it....surely that would be inevitable if they've committed fraud?
    Anyway, i'll be using atms inside from now on
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    As already posted it may be nothing to do with the ATM. The card could have been copied at a restaurant, a shop, a petrol station, an online purchase....
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    (Original post by hypocriticaljap)
    As already posted it may be nothing to do with the ATM. The card could have been copied at a restaurant, a shop, a petrol station, an online purchase....
    This wouldnt have been possible though because her card had only been used to withdraw money at cash machines and it doesnt have a chip in so she couldn't use it in a shop
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    pray explain then how in your own words the money was withdrawn within an hour in a place two hours away?
 
 
 
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