I'm a victim of skimming!

**VladTepes** · 20th May 2009, 01:35 PM

Thanks all.
I'll let you know how it goes.

Originally Posted by Newbs-IIA

On a more positive note we'll have to go for a shoot down at belmont some time

my .223 needs sighting again after the last trip plus the .375H&H will be lots of fun haha

Indeed !

**DiscoStew** · 20th May 2009, 04:31 PM

To everyone complaining that the refund should be immediate keep in mind that the bank has no idea if you are a scammer or not. They have to be allowed some time to investigate to prevent further fraud. How does the bank know that you haven't just come back from overseas? And they need to request transaction details from 3rd parties that they have no arrangements with. I would rather the banks limit fraud rather than up everyone's fees, again.

I went to an IT Security conference a couple of months ago and it is now becoming common for the scammer to nick your money, lodge the complaint for you and when it is refunded skim that too.

Anecdotal evidence suggests that if the bank detects the fraud themselves then they refund quickly but if you report it then it takes longer. Makes sense to me.

They also have hardship processes, you just need to ask assertively. You don't need to go into an auto-rant.

**Captain_Rightfoot** · 20th May 2009, 05:13 PM

Originally Posted by DiscoStew

To everyone complaining that the refund should be immediate keep in mind that the bank has no idea if you are a scammer or not. They have to be allowed some time to investigate to prevent further fraud. How does the bank know that you haven't just come back from overseas? And they need to request transaction details from 3rd parties that they have no arrangements with. I would rather the banks limit fraud rather than up everyone's fees, again.

I went to an IT Security conference a couple of months ago and it is now becoming common for the scammer to nick your money, lodge the complaint for you and when it is refunded skim that too.

Anecdotal evidence suggests that if the bank detects the fraud themselves then they refund quickly but if you report it then it takes longer. Makes sense to me.

They also have hardship processes, you just need to ask assertively. You don't need to go into an auto-rant.

With our theft they detected it and cancelled the card. When we talked to them they were adamant about which transactions were fraudulent and they were right.

They advised us not to pay the fraudulent debt and said they would cover all charges and interest in the meantime. To be honest - for an unpleasant experience I can't complain about the treatment so far.

I think if they made it too hard then people would stop carrying and using credit cards and that's obviously not what they want.

**Disco300Tdi** · 20th May 2009, 06:58 PM

I am surprised the media in Australia other than Victoria hasn't reported the Romanian Mafia using skimming machines at ATMs

Do a search on "Romanian ATM skimming" you will be astounded to see that they are operating all over the nation, not just in capital cities but regional centres as well.

Unsuspecting ATM customers are using an ATM with the skimming machine attached to it......actually sliding their card straight past it

Millions in Victoria have been fleeced, so how much Australia wide ??

$700,000.00 of ATM users money was taken from one ATM in the Melbourne CBD alone

**CaverD3** · 20th May 2009, 08:07 PM

There is a good case for NOT using a Debit Card. If something goes wrong it is your money you need to get back. With a Credit card it is their money until you pay the bill. It is in the banks interest to use a Debit Card in dodgy countries. My Uncle was persuaded by his bank to get one when he went to China.