Scammed again

[jx2mad]

I have had it with lack of security on master/visa cards.My mastercard has been hit for the 4th time since christmas. This means the cancellation and reissue of new cards. Every time it was from some mongrels in Cyprus. The bank says it can't stop them but it is alright for them to say that. I can't change banks because I am retired with no "earned" income to prove I can pay the balance. Looks like I will be getting new cxards every month!! Not happy :mad::mad::mad::mad:

[UncleHo]

Get yourself a "Visa Debit Card" put a set amount in it, say 1K, and use that for all your purchases,then top up/recharge at your local branch in person,then cancel your credit or require signatures only on it, or joint signatures ;)

[Lotz-A-Landies]

Have you changed all the cards and had new numbers issued and changed any internet banking password/logon?

Are you losing the money or is the bank covering it? If the bank is letting you carry the loss, then it's time to contact the banking ombudsman.

[shining]

If you keep getting hit from the same place after you get new cards. are you shopping in the same places or have you got virus/spyware on your PC that its sending your number out to the villains?

[flagg]

Think about all the places that you can used it. When you get a card re-issued you get a new number - so either there is a place that you are giving your card too or it is your computer that could have the problem.

Write down all the places you give your details too where are not there physically (your ISP, a website, Paypal, paying a deposit on a Hotel etc) and see if there are any that you are providing your details too each time before your card gets stolen.

If there are none, then it may be that there is something on your computer that is allowing people to steal it. The software runs silently and recognises when you enter a credit card number on the computer and then steals it, sending it back to the thief.

Most credit cards are stolen by hackers breaking into websites that people use, and stealing the information that they hold.

[bee utey]

Love the scammers! (not) Just got a "paypal" message telling me all about an unauthorised payment, asking me to log in and cancel it... Sent the email to spoof@paypal.com.au instead.
As for my credit card, I try to pay cash for most purchases under a few hundred dollars, and sign for it where I have to use it. Most internet payments using other than paypal I use direct debit, no issues yet.

[jx2mad]

Thanks for advice. My problem with debit cards is that surely the scammers can bust these too

[brenno]

Get yourself a "Visa Debit Card" put a set amount in it

Then he loses his money, instead of the banks money.

[flagg]

Debit cards are good for one off payments on dodgy sites. You can get pre-paid VISA cards from Aussie post etc.

The difference is that is you put 1k on a pre-paid card, and someone steals your 1k - you are out of pocket until the bank sorts it out. With a credit card, it is just a line item on your bill until the bank sort it out.

[richard4u2]

with the credit card through bank of queensland you have an option that you can set the limit of a transaction and any thing over that they send a sms to your mobile and you have to answer that sms if you dont then the transaction will be cancled

[UncleHo]

I would suggest a computer clean up by a good reputable computer shop or somebody from this forum (with a lot better computer skills than me which may be able to detect a Physhing program installed) :o
Then check where you shop, and if any of the shops take your card and swipe it on a lower counter/desk top,out of your sight, as they may have skimming devises set up,also change the ATM that you access,go to a different ATM as you are probably not the only person to be scammed in either scenaro:(

[gunguy]

with the credit card through bank of queensland you have an option that you can set the limit of a transaction and any thing over that they send a sms to your mobile and you have to answer that sms if you dont then the transaction will be cancled
thats great, i'll have to ask my credit union

[Hoges]

I would examine the monthly card statements and note the dates of the scam charges. I'd then look at preceding legitimate purchases and see if you can narrow down likely prospects. There is quite possibly a link somewhere.

You can easily change banks even if you are retired...they assess your 'net worth' /superannuation income etc and credit history...

[AndrewGJones]

Love the scammers! (not) Just got a "paypal" message telling me all about an unauthorised payment, asking me to log in and cancel it... Sent the email to spoof@paypal.com.au instead.
As for my credit card, I try to pay cash for most purchases under a few hundred dollars, and sign for it where I have to use it. Most internet payments using other than paypal I use direct debit, no issues yet.

Just got the same scam email saying I had paid some woman $2443 on paypal.

had the presence of mind to go to paypal via another browser and log into the official site to check.

sent the email to the spoof@paypal.com.au address.

[UncleHo]

I had an incident a couple of years ago, when a bloke pulled up his kombi type van close to my local NAB ATM, and as I was starting to do my pin No he was fiddling with something below his dash,I cancelled my transaction and asked why he was parked so close ,his answer was he had a baby asleep in the child seat, I pointer to 4 empty parking spots very close and remarked that I would note his rego, he promptly put it in gear and left quickly,(he had an Irish accent by the way) probably and Irish Gyspy.

[V8Ian]

I had an incident a couple of years ago, when a bloke pulled up his kombi type van close to my local NAB ATM, and as I was starting to do my pin No he was fiddling with something below his dash,I cancelled my transaction and asked why he was parked so close ,his answer was he had a baby asleep in the child seat, I pointer to 4 empty parking spots very close and remarked that I would note his rego, he promptly put it in gear and left quickly,(he had an Irish accent by the way) probably and Irish Gyspy.Big horror, big horror, big horror. ;)

[Andrew D]

I had an incident a couple of years ago, when a bloke pulled up his kombi type van close to my local NAB ATM, and as I was starting to do my pin No he was fiddling with something below his dash,I cancelled my transaction and asked why he was parked so close ,his answer was he had a baby asleep in the child seat, I pointer to 4 empty parking spots very close and remarked that I would note his rego, he promptly put it in gear and left quickly,(he had an Irish accent by the way) probably and Irish Gyspy.

I think through those powers of deductions either the scammers are very sloppy or paranoia just clicked over to a whole new level (level: extra^2 vigilant mode).

Regards
Andrew

[s7000]

I don't get how I've been so lucky...

I've shopped at some very... well... shonky places on the net and have only had 1 instance in which the bank has contacted me (Wasn't even an Aussie account).

Sounds like you have some spyware on your PC which is tracking your inputs and keeps attacking.

[wanglemoose]

i used to have these problems despite having 4 different virus/spyware scanners on my pc that ran daily, they never found anything. had a mac instead of a pc for 3 years now and havnt had a problem since, so im guessing my problem was with the pc and not the places i was shopping online. without narrowing down where the problem is tho its hard to take a course of action. start with completely stopping your online transactions all together for a month and if you dont get hit in that time then you know its your computer or the places online you go to. good luck

[AndrewGJones]

save you 'stuff' to an external hard drive (not programs)

scan that drive with another computer.

if it is clean, good. It's your programs and Operating system (which is what it is 99% of the time).

reinstall windows and all your programs from the original discs.

buy a reputable anti-virus program (AVG free is not good enough, AVG paid is getting there)

You'll be good to go then and only use Paypal.

OR

save files and scan them as above, get a free copy of Ubuntu (Linux) install it as a dual boot set up and never have a problem again with data-logging, trojans, etc.

there are virtually no viruses that can work effectively on linux machines, you would literally have to install the virus on command line to get it to work!

I've run it for years without problem on old clunker machines too slow to run windows. I also run a Mac and Windows machines, but I;m very careful to have anti-virus running and back out real quick from sites that look dodge and I only use Paypal for transactions.

You can even get Virtualbox and run windows inside Linux if your machine is fast enough.

good enough for NASA, good enough for me.;)