anti fraud ....im gettin annoyed now

[wing nut]

iv'e had my second bogus email from the fake paypal, trying to get my financial details from me ...and to say im a bit fed up with it is an understatement ..i let the real paypal know but there isn't much they can do about it ..i must say though you can't tell the difference, other than instead of saying your ebay user name, it just says dear paypal member so beware folks dont give out your details  :x  

[gords]

As a cover-all-situations-rule ... assume any email that asks you to confirm your details by going to a web site is fake

If you're ever not sure, them them an independent email or phone them. Just do not click that link  :lol:

[abinitio]

You can always click the link and put in fake details.

If I do this I usually put a different swear word in each box.

Also if you hoover over the link and look at the bar at the bottom of the screen if will display the true address.

If you are convinced it's genuine then always open a new window and log in from there.

I have been know in the past to track the culpret to their ISP and I then e-mail the ISP about the fraud their customer is attempting :D

[wing nut]

As a precaution i changed my password as the real paypal instructed ,but it does make you wonder how safe your your account is.. Im just glad I spotted it  :P

[trustyrusty]

some scum bag on e-bay won the auction for my landy ,saying that his mate owned him £3000. if he sent me the cheque for £3000 i took out the price for the landy and send him the difference back would i do it. he try'ed this 4 time, now kicked of of e-bay.    

[Red Defender]

i average one spoof email a week - the adviice i get from ebay/paypal is that they never ask you to click on a link in one of their emails instead they ask you to log on via the main website and follow the instructions in the email ?

[gords]

the adviice i get from ebay/paypal is that they never ask you to click on a link in one of their emails

As do all the banks!

Some of these scammers have managed to get domain names that are very similar to that of the actual bank (or organisation) they are pretending to be.

Just about every organisation - bank, paypal, etc - will either have some form of online user area or telephone support. You will always be directed to those. But, as I said before - if in doubt, phone them!

A while ago (and probably still) there was a spate of emails from Nigerian "whatevers" telling you a sob story and asking for your help to extract xxx dollars from somewhere, for which you would be rewarded. Yeah right! but people do believe these things. I remember hearing about a school teacher who lost all her savings and her friends (I think) too ... [Edited] :roll:

[V8MoneyPit]

some scum bag on e-bay won the auction for my landy ,saying that his mate owned him £3000. if he sent me the cheque for £3000 i took out the price for the landy and send him the difference back would i do it. he try'ed this 4 time, now kicked of of e-bay.    

Yep, this is one of the standard scams. My colleague had this happen with a racing kart he was selling. Of course, the original cheque will bounce. They just rely on you sending the balance before you find out.

There must be some daft people out there taking these things seriously. Otherwise they wouldn't happen. It is a wonder that anyone can be quite so naive.

[the loon]

some scum bag on e-bay won the auction for my landy ,saying that his mate owned him £3000. if he sent me the cheque for £3000 i took out the price for the landy and send him the difference back would i do it. he try'ed this 4 time, now kicked of of e-bay.    

Yep, this is one of the standard scams. My colleague had this happen with a racing kart he was selling. Of course, the original cheque will bounce. They just rely on you sending the balance before you find out.

There must be some daft people out there taking these things seriously. Otherwise they wouldn't happen. It is a wonder that anyone can be quite so naive.

its either that old chesnut or the nigerian scam
"Ahhh yes intrested I am in your item and like to buy on behalf of my client"
No joke thats really how I had one worded - alarm bells started to ring as soon as I noticed similarity's between there mail and how Yoda would talk  

 :lol:

[muky-kid.]

As a cover-all-situations-rule ... assume any email that asks you to confirm your details by going to a web site is fake

If you're ever not sure, them them an independent email or phone them. Just do not click that link  :lol:

 :D Yep i agree, i had a couple of these. So i phoned them but one of them was genuine after i spoke to the woman on the phone. Still didnt give her any details though. They had to write to me in the end to show me they were who they were meant to be. Even after that ive still not given or sent my bank details. Proberbly why now ive not got a paypal account anymore. I just dont trust anyone when it comes to wanting my bank details.

[wing nut]

im thinking of ditching my paypal account as well ...i didnt think that this kind of fraud was so rife  :shock:  freaky!!!!!  :twisted:

[Wanderer]

The fraud is only rife if you actually give out your information. They are actually phishing. The fraud comes later.

While using my CC today I got to thinking about this chip n pin thing.

2 things.

What's to stop anyone having a machine that saves the actual pin as it's used and clones the card at the same time.

What if a garage or store has a security camera that can see you entering the pin. Although I cover the machine with one hand as I type the pin in (when I can remember them, I prefer to sign)

Ed

[the loon]

What's to stop anyone having a machine that saves the actual pin as it's used and clones the card at the same time.

What if a garage or store has a security camera that can see you entering the pin. Although I cover the machine with one hand as I type the pin in (when I can remember them, I prefer to sign)

Ed

also point that I have heard is what if your partner knows your PIN and then does the dirty on you.
In effect you would be liable as you told your partner the PIN

[LOULA]

Agree i think that who ever thought of this chip n pin didnt properly think it out.  Surely its easier if a thief steals your purse and you carry your pin number in there as well they can have a field day.

The old signature method seems better to me  :roll:

[the loon]

Agree i think that who ever thought of this chip n pin didnt properly think it out.  Surely its easier if a thief steals your purse and you carry your pin number in there as well they can have a field day.

The old signature method seems better to me  :roll:

chip and pin I would say is better than the signiture as this is all too easy to overcome (be honest when have you really seen a checkout operator check your signature)
From expiriance that my brother had its all to easy to fake signitures from cards (he was nearly ripped off for about £3000 but bank EVENTUALY wrote it off but was long drawn out process)
I do agree however that chip and pin could of been better. I think it was just basicly the cheepest way that card companies/banks could be seen to be doing something to tackle fraud.

[Lord]

I always find it's easier to talk to the person and use good old hard currency.... all those notes and no wories... no banks holding on to it till it clears and all above board. And the seller feels a lot hapier.... I don't do any banking or buying over the internet since one of my cards got copied. Now i phone up and order over the phone or go to the person or shop now.... Don't trust the internet for any money exchanges at all now. Personally I think all the litte *%££^£'s should come over and meet my and the missus.... I'm sure she'll introduce them to the machettes and all the large knives she has... There all nice and sharp (she likes cooking.... honest) but shes hates that type of scumbag!!!  :twisted:

[Wanderer]

The big problem with chip n pin is that should the pin be used then you/we might have no comeback as we MUST have given the pin to someone or not kept it secure. The onus is back on to the card holder.

At the end of the day and with todays advances in computers there shoudn't be a problem in a photo of the card user being kept by the store or whatever for 3 months. Then if it is found that there's no photo it's obviously a retailer ripping the system off a la card being used in Shanghai when the holder has never set foot out of Bournemouth in their whole lives.

The system sucks. It's insecure and they are trying to move the goalposts in the card issuers direction instead of taking the blame for having such a poor security system.

Why isn't there data on the card with the persons photo?
Too difficult to do or to easy to replicate it?

The terminal links to the card company. What does it take to d/l a photo from the company and check it's the individual involved.

Ed

[datalas]

The trouble is that cryptographically and technically any "card" system is blatently open to abuse and forgery.   Security in these matters is simply a trade off between security and convenience,  chip and pin is being introduced not so much to combat the more prolific card and identity theft cases, but merely to stem the casual abuse that has become rather apparent.  

For example, how often have you bought something and been handed the card back before you've signed the slip ?  Clearly this is not much in the way of validation and in these cases you are quite clearly within your rights to deny signing it, in the same way that you are quite within your rights to deny having typed in your pin.  The onus of proof is *still* on the part of the bank to prove that you did, so you don't lose out there,  essentially it's a way of making sure that at least a vauge attempt at verification is actually made.

We could go the whole hog and use biometrics and who knows what else, but personally, I'd rather not have to give blood everytime I buy stamps :)

The *real* rip off with banks is that it still takes days to clear funds, and weeks to clear cheques...  That's where they make their money at your expense, not via fraud..

[lee celtic]

I had the  you've won the lottery  scam on this morning

I replied with ..


WHY DON'T YOU KEEP THE 2.7 MILLION AND BUY YOURSELF A F*****G LIFE :twisted:

Hope I didn't offend them..

[Mace]

Ah...chip 'n pin...my favorite subject.

1. All previously 'signed' credit card slips were protected by the 'bank' issuer in the event of fraud. Should the transaction be found to be fraudulent then the 'banks' would carry the loss. This used to amount to £4bn per year, worldwide. Since the introduction of chip 'n pin, the 'loss' now is carried by the retailer or supplier of the goods, not the banks. Most retailers are now very wary of fraudulent transactions because they now have to bear the cost of any loss.

2. It's actually 'illegal' or against a particular government act to position a pin pad within direct sight of a CCTV camera. For obvious reasons. A rule that seems to be 'lost' with most retailers.

3. If you give anyone your pin number (even your spouse) and they use it, they are committing fraud. If you allow anyone to see your number as you enter it on a pin pad, then tuff if it's stolen and used fraudulently. It then becomes your loss.

4. Internet and Mail Order credit card fraud is now rife with chip 'n pin in place. As no signature is required and you are not present to enter your pin. The merchant banks have got wise to this and are now thinking of using a password system to go along side the pin number. So not only will you need a pin number to buy something face to face but you'll also need a password to buy something when you are not present at the transaction.

5. The most prominent credit card fraud is that of a card being stolen in the post before it gets to you. With or without a pin number a card can still be used on a 'signature' basis if the retailer will accept the risk involved. Retailers need to get wise to this NOW. IF YOUR CARD IS UP FOR RENEWAL AND IT HASN'T ARRIVED IN TIME, PHONE YOUR BANK, QUICK !!

6. If your card's pin enabled and you get asked for your pin number and you refuse or don't remember it, the retailer has every right to refuse the transaction. They are not obliged to accept a signature instead, for the reasons stated above. You can however continue to use a 'signature' card if it's not pin enabled.

7. Identity fraud is also rife. Buy yourself a £20 shedder and shred your unwanted mail, everything with your name and address on that you would normally tear up and throw in the bin, SHRED IT.

I could go on !!

[Sider]

I keep maintaining, against the opinion of all the unbelievers, that the safest system against credit card fraud is the use of ID cards.

In Spain, unless you produce your ID card together with your credit card, the retailer not only can, but has a legal duty to refuse taking payment.

I actually got a €500 charge cancelled by my bank when my wallet was stolen, because the retailer had failed to ask for ID and had also failed to spot the signature being "Perico de los Palotes" (about the equivalent of signing "Daffy Duck".

[the loon]

I keep maintaining, against the opinion of all the unbelievers, that the safest system against credit card fraud is the use of ID cards.

Now I wondered when someone would open that can of worms
ID cards are an excelent idear in this instance but as you know there will always be the people who are against them as big brother tactics etc but dont you tend to find that people who have this point of view are normaly the people with something to hide?

[Garin]

Just received another spoof paypal e-mail it began dear member if it was from paypal it would have your name and they would never ask for security details you can forward them to spoof@paypal.com

In Spain, unless you produce your ID card together with your credit card, the retailer not only can, but has a legal duty to refuse taking payment.

This should have been made law in the UK instead of chip and pin

[Range Rover Blues]

When I get the spoof e-mails, and I got a lot just after I recovered my hijacked account, I reply with bogus info, just to amuse myself at the thought of some t**t trying to log in as Adolf Hitler :lol:

[Sider]

I keep maintaining, against the opinion of all the unbelievers, that the safest system against credit card fraud is the use of ID cards.

Now I wondered when someone would open that can of worms
ID cards are an excelent idear in this instance but as you know there will always be the people who are against them as big brother tactics etc but dont you tend to find that people who have this point of view are normaly the people with something to hide?

I thought I was the only paranoid who noticed that :lol:  :lol:  :lol:  :lol:  :lol:

[the loon]

When I get the spoof e-mails, and I got a lot just after I recovered my hijacked account, I reply with bogus info, just to amuse myself at the thought of some t**t trying to log in as Adolf Hitler :lol:

reminds me of a case of some major spam emailer in the US

this guy was the sauce for millions of spam mails a day to addresses all over the world from his base in california(?) untill some one who should have a national holiday instigated after them posted this guys email address on the web.
bet you can guess what happened next ...

 \:D/

there is some justice in the world

[the loon]

I keep maintaining, against the opinion of all the unbelievers, that the safest system against credit card fraud is the use of ID cards.

Now I wondered when someone would open that can of worms
ID cards are an excelent idear in this instance but as you know there will always be the people who are against them as big brother tactics etc but dont you tend to find that people who have this point of view are normaly the people with something to hide?

I thought I was the only paranoid who noticed that :lol:  :lol:  :lol:  :lol:  :lol:

No. your not paranoid. They really are out to get you.
The voices in the night told me about them ..
BEWARE
BEWARE

jibber jibber  =P~  ](*,)  =P~

[wing nut]

you mean someone will find out im lord lucan doh   i want cash only transactions from now on lol ......................................................................reminds me i must check my account balance

[the loon]

you mean someone will find out im lord lucan doh   i want cash only transactions from now on lol ......................................................................reminds me i must check my account balance

just do what I do if some one wants to pay me for anything by cheque on ebay
tell them to make it out to
campaign against social hardship or CASH for short

 

[Vam]

5. The most prominent credit card fraud is that of a card being stolen in the post before it gets to you. With or without a pin number a card can still be used on a 'signature' basis if the retailer will accept the risk involved. Retailers need to get wise to this NOW. IF YOUR CARD IS UP FOR RENEWAL AND IT HASN'T ARRIVED IN TIME, PHONE YOUR BANK, QUICK !!

Yep on this note redirect ALL mail for at least 3 months.... Prefereably 6
Especially if in rented accomodation...

Have a mate who's a postman and sees people  obviously have moved, but then after a month or so you get a rash of Credit cards to the address with the previous tenants name. And by Law he HAS to deleiver them.

If you don't redirect mail you are at the mercy of the new person living at you old address  :roll:
HTH