Found out today for the second time within a year, I’m a victim of Debit/Credit Card fraud.
The first time it happened was last year:

See, I’d recently bought some socks from the website WeLoveColors*and my payment required conversion to dollars (ISTR they didn’t take PayPal so I used my card…) which it seems was done by this company Easy-Forex, or had something to do with them.
A couple of weeks later I had a few missed international calls and a message from Easy-Forex asking me to call them back (sure thing, I’ll just call you back on your Portuguese number from my mobile in the UK shall I?). They didn’t say what they wanted and at the time I didn’t know who they were, so I thought “Cold Callers” and ignored it. It was only a few days later, when I checked my bank account (♥ online banking), that I noticed they’d taken $25 and $500 from my account (and I’d been charged £3 for the conversion)! That was over a month’s pay at the time, and being a “poor student” I was scared.
I printed off my statement, highlighted the transactions and headed down to Halifax as soon as I could. They were vey nice about the whole thing and cancelled my card straight away and sent me a new one. I had to come back in a few days later to fill out some fraud claim forms, give consent for the police to investigate etc. so they could give me the money back. After getting the money put back into my account (except the £3) and my new card, I didn’t hear anything about it, so I don’t really know what went down.
So nearly a year later and it happens again. Luckily, nowhere near the same amount of money and no conversion charges involved
A few days ago, Halifax rang home. They didn’t say what about, but my Mum told me they usually ring if there has been suspicious activity on the card. Online banking to the rescue! I check my account and find a transaction for o2 Prepay in Slough for £30, on the 25th.
Although I have a contract with 3 and am definitely not with o2, I was unsure it wasn’t related to getting a BT line (since O2 and BT used to be linked or whatever), so I hit google and searched to see if anyone else had this problem.
♥ 8-page thread on MoneySavingExpert from the start of September last year. Highlights:
i had this on my credit card a few months ago with vodaphone top ups. the credit card company phoned me about 6 transactions that had gone through in an hour.
6 transactions within an hour?! Not O2, but surely the phone companies would find the same card being used 6 times to top up phones (even if different numbers) just a little bit suspicious?
With regards to O2 topups, if you topup by phone or on their website you need to provide the address details of where the credit/debit card is registered before it will go through, so it looks like someone somewhere may have access to more than just your card numbers…
I was wondering what they could do to prevent such scams, seeing as it has happened a lot and is still happening. What more should people have to provide before they can use a debit card (not at an ATM) to top-up their phone? How about making customers register a card against their phone number/account and only let them use it if they have verified it’s them who owns it (i.e. they give relevant details like the branch associated with the account so the bank can verify and photo-ID)?
It shouldn’t be all on the banks to prevent such things happening – it’s obviously happening so much Halifax have a flag on that kind of transaction, and I’ll bet other banks do too. What are O2 et al doing?
This has happened to me a year ago on my MBNA credit card. It was cancelled, the charges refunded and a new card issued. It’s now happened again exactly a year later on the new card. When I rang MBNA today to report it – the guy said straight away “is it the 02 payment” so they’re obviously getting lots of them. I don’t know where these people are getting my details from but at least MBNA are good at dealing with it.
That’s nearly a year and a half ago. Way to go O2, you won’t be making a customer out of me…
If you are worried that a mobile company has your details then you need to use the Data Protection Act to find out what records they hold on you. Have a look on the Information Commissioners website on how to do it. http://www.ico.gov.uk/
This seems like a useful bit of information. I’m not sure what would turn up now though, if the bank get the police involved. It’s always handy for the future, if I want to know what other companies might have on me.
I had a mobile phone bought from O2 last year, the same people attempted to buy a camera from another site but my bank stopped them. They said that O2 is a well known company for getting cards scammed by. Apparently they dont ask any security questions. So why the hell dont the banks fine them for allowing this to happen?
I’m wondering this too. I’ve had payments not go through on Amazon and Game because of failed security checks. They told me, if this happens in store they’ll ask you and you get to answer, but there’s no way for it to go through online so they just cancel the transaction. Maybe O2 have the same couldn’t-give-two-shits-about-potential-customers attitude BT have.
Anyone thought of contacting Watchdog over this? Im sending them a link to this thread.
My mum said the same thing, and someone later posted a link. I might e-mail them with a link to that thread asking about it if I can’t find any evidence of them having done something on it.
been told now when you try to top up by debit/credit card by phone on 02 pay as you go its harder to top up they ask now for issue no. which most cards dont have and you cant top up without it ..
This post was from December, and it isn’t really good news – quite a few online stores ask for issue number as well, so if your details have been stolen from such an online transaction, O2 asking for issue number is no use, just further “proof” that the fraudsters are you.
Best link I’ve found in that thread so far is to this page, which has loads of information regarding this BT Cellnet/O2 scam. From reading that, it looks like it goes a bit deeper than just fraudsters nicking your details – it looks like O2 really couldn’t care less about the victims of said fraudsters. Why would they? It’s not O2 losing money – infact, they’re getting it – it’s the banks! Absolutely disgusting. And here’s another thread with victims of O2 from around the same time.
I have to say, Halifax were wonderful this time around too. I went in, told them what happened and the nice lady had me fill out a form straight away. I checked my account when I got back to work and found they had already put the money back in. I guess it happened quicker this time because of how often this O2 scam happens. I don’t see why the banks don’t get the money back from O2 though, or maybe they do. It would be crazy if they couldn’t touch O2 at all – I mean, surely the banks are bigger than some shitty mobile phone company?
I doubt I’ll hear anything more from Halifax or the police on the matter, and there’s no point in contacting O2, but if I do I’ll post more on the matter.
Fuck you O2.
* If you’re looking for proper knee-length or over-the-knee socks in all sorts of colours, I wouldn’t bother with this site. They’re made out of tights material rather than normal sock material. I was sorely disappointed. I just wear mine over black socks/tights with boots.