Had this email forwarded to me today .................


Been around before, but worth reading again, especially after last week's
UK Governmental Slipped Discs !!!


This one is pretty slick since they provide Y O U with all the information,
except the one piece they want.
Note, the callers do not ask for your card number; they already have it.
This information is worth reading. By understanding how the VISA &
MasterCard Telephone Credit Card Scam works, you'll be better prepared to
protect yourself.

One of our employees was called on Wednesday from "VISA", and I was called
on Thursday from "MasterCard".

The scam works like this: Person calling says, "This is (name), and I'm
calling from the Security and Fraud Department at VISA. My badge number is
12460. Your card has been flagged for an unusual purchase pattern, and I'm
calling to verify. This would be on your VISA card which was issued by
(name of bank) did you purchase an Anti-Telemarketing Device for £497.99
from a Marketing company based in London?" When you say "No", the caller
continues with, "Then we will be issuing a credit to your account. This is
a company we have been watching and the charges range from £297 to £497,
just under the £500 purchase pattern that flags most cards. Before your
next statement, the credit will be sent to (gives you your address), is
that correct?"

You say "yes". The caller continues - "I will be starting a fraud
investigation. If you have any questions, you should call the 0800 number
listed on the back of your card (0800-VISA) and ask for Security.

You will need to refer to this Control Number. The caller then gives you a
6 digit number. "Do you need me to read it again?"

Here's the IMPORTANT part on how the scam works the caller then says, "I
need to verify you are in possession of your card." He'll ask you to "turn
your card over and look for some numbers." There are 7 numbers; the first
4 are part of your card number, the next 3 are the security numbers that
verify you are the possessor of the card. These are the numbers you
sometimes use to make Internet purchases to prove you have the card. The
caller will ask you to read the 3 numbers to him. After you tell the
caller the 3 numbers, he'll say, "That is correct, I just needed to verify
that the card has not been lost or stolen, and that you still have your
card. Do you have any other questions?" After you say, "No," the caller
then thanks you and states, "Don't hesitate to call back if you do", and
hangs up.

You actually say very little, and they never ask for or tell you the Card
number. But after we were called on Wednesday, we called back within 20
minutes to ask a question. Are we glad we did! The REAL VISA Security
Department told us it was a scam and in the last 15 minutes a new purchase
of £497.99 was charged to our card.

Long story - short - we made a real fraud report and closed the VISA
account. VISA is reissuing us a new number. What the scammers want is the
3-digit PIN number on the back of the card. Don't give it to them.
Instead, tell them you'll call VISA or MasterCard directly for verification
of their conversation. The real VISA told us that they will never ask for
anything on the card as they already know the information since they issued
the card! If you give the scammers your 3 Digit PIN Number, you think
you're receiving a credit. However, by the time you get your statement
you'll see charges for purchases you didn't make, and by then it's almost
too late and/or more difficult to actually file a fraud report. 
" WITH MORE EXTRAS THAN A HOLLYWOOD EPIC "

simple answer is suppliers MUST only send to the registered address and consumers must live with that inconvenience or get their work address added to the cards registered address details

The problem really only exists from the face the majority of suppliers will ship anywhere

I recently had my Bank Debit Card cloned. My Bank actually contacted me to confirm several purchases which I had not made. The 1st was about 45p from napster and then £900 at Travelex! Apparantly the smaller purchase is made 1st just to see if the card works then they go for a biggie! Banks will never tell you how these purchases are made and they certainly won't name the suspects wether it is an individual or fake company like in MDP's post. The really worrying thing was that the Travelex transaction was PIN verified! Apparantly the SCAM had been carried out on a chip & Pin machine that was rigged and recording all the card details as well as the PIN when you typed it in. At no time did the caller from my Bank ask any questions about my card details. As Kaine said, If it is Your Bank or Card Company They already Know all your details! Why would they need to ask you.

Thanks to Lloyds TSB's vigilance the fake purchases never even hit my account and I had a new card within 5 days.

I have to say Chip & PIN is a farce as far as security is concerned - A bloomin' Cheque is a more secure
method of payment!! IMHO  2013 Discovery HSE Luxury - 3.0 SDV6 - Santorini Black
2013 Evoque 5 Door Pure Tech SD4 - Orkney Grey with Panoramic Roof (Mrs E's new baby)

GONE - RRS - 3.0 TDV6 HSE - Santorini (2010)
GONE - RRS - 2.7 TDV6 HSE - Java Black (2007)
GONE - Porsche Boxster S - 3.2 - Black

The problem is the banks actually - they have given us the LEAST secure version of CHIP and PIN instead of the most expensive and most secure version like Aussie and NZ has....................... so they are now paying the cost with even more fraud 2020 Pangea Green 1st Edition D240 New Defender 110 is here and loving it
2018 Melting Silver Mini Countryman PHEV - soon to be replaced
2015MY Corris Grey SDv6 HSE Dynamic, the best car I have ever owned, totally reliable only a cou0le of rattles in 3 years, now no longer in my care
Also in my garage is a 1996 TDi300 Defender 90 County HT made into a fake CSW

I regular experience customers who want high value items delivered to unverified addresses - we dont do this and we always try to be polite (trying not patronise too) and explain about the security risks, however many customers just get annoyed and tell us they'll go elsewhere, so we let them

There are now quite a few websites that will only dispatch things to UK. Apparantly a lot of the fraud comes from overseas (What a cheek! ).

Found this out ordering some presents for friends birthdays out here.

Stuck with Debenhams circa 1983 music section then...

(Only kidding, Amazon deliver here no sweat Thank God!) Runner up - 2009 Best Avatar Award
Joint runner up - 2009 Outstanding Contribution Award
WINNER - 2008 ‘Best Thread’ Award – Beautiful Women Of The World
Runner Up - 2008 Comedian Of The Year Award
Runner Up - 2008’s Funniest Incident

06 RRS TDV6 HSE, Java/Ebony, PTI, Running Boards, Privacy, S/C Grille/Vents, Stormers, Tasmods - GONE - (