I am relieved and impressed at the same time!

[Ladyhayles]

I received an automated phone call this morning at 10.40 from Barclaycard advising me of a possible fraudulent payment on my credit card of £185. The automated voice politely and calmly told me the amount and the date of the transaction and that it was a gambling transaction.

I knew this wasn't something I had done and I started to panic. The automated voice helpfully suggested that it was putting me through to the fraud department where I was immediately asked for security details. Obviously being slightly wary at this point I advised the guy that I would call back and he was very understanding and polite.

Dealt with some things at work (currently working out on site so its difficult to get 5 minutes peace) and then called them back at about 11.15. Went through all the usual security details and was told immediately that Barclaycard had stopped the payment from being processed awaiting my authority and it went through at approximately 10.30. I told them that it definitely wasn't me and they have stopped my card, processing a new one to come out to me and have flagged the transaction to be reviewed so they can obtain the information and report to me as to what has gone wrong.

Firstly I'm amazed at the speed at which they picked up the transaction and relieved that it hasn't turned into a complete nightmare knowing what some people have been through with their details being stolen. Hopefully it won't happen again and I've just used my card somewhere silly without thinking.

Hats off to Barclaycard and their fraud department - I'm a very satisfied customer.

[payner2008]

Ladyhayles said:

I received an automated phone call this morning at 10.40 from Barclaycard advising me of a possible fraudulent payment on my credit card of £185. The automated voice politely and calmly told me the amount and the date of the transaction and that it was a gambling transaction.

I knew this wasn't something I had done and I started to panic. The automated voice helpfully suggested that it was putting me through to the fraud department where I was immediately asked for security details. Obviously being slightly wary at this point I advised the guy that I would call back and he was very understanding and polite.

Dealt with some things at work (currently working out on site so its difficult to get 5 minutes peace) and then called them back at about 11.15. Went through all the usual security details and was told immediately that Barclaycard had stopped the payment from being processed awaiting my authority and it went through at approximately 10.30. I told them that it definitely wasn't me and they have stopped my card, processing a new one to come out to me and have flagged the transaction to be reviewed so they can obtain the information and report to me as to what has gone wrong.

Firstly I'm amazed at the speed at which they picked up the transaction and relieved that it hasn't turned into a complete nightmare knowing what some people have been through with their details being stolen. Hopefully it won't happen again and I've just used my card somewhere silly without thinking.

Hats off to Barclaycard and their fraud department - I'm a very satisfied customer.

It's always nice to know that there are some companys that do look after peoples money etc. most just seem to jump at the chance shaft you. good old barclaycard

[Moose.]

LLoyds send me a txt if they spot anything dodgy and say to ring them if I want to stop the transaction. Works really well

[cottonfoo]

It's all automated, every transaction made on your cards is checked at the time of use, and anything potentially out of the ordinary is flagged instantly.

[Scamper]

Ladyhayles said:

I received an automated phone call this morning at 10.40 from Barclaycard advising me of a possible fraudulent payment on my credit card of £185. The automated voice politely and calmly told me the amount and the date of the transaction and that it was a gambling transaction.

I knew this wasn't something I had done and I started to panic. The automated voice helpfully suggested that it was putting me through to the fraud department where I was immediately asked for security details. Obviously being slightly wary at this point I advised the guy that I would call back and he was very understanding and polite.

Dealt with some things at work (currently working out on site so its difficult to get 5 minutes peace) and then called them back at about 11.15. Went through all the usual security details and was told immediately that Barclaycard had stopped the payment from being processed awaiting my authority and it went through at approximately 10.30. I told them that it definitely wasn't me and they have stopped my card, processing a new one to come out to me and have flagged the transaction to be reviewed so they can obtain the information and report to me as to what has gone wrong.

Firstly I'm amazed at the speed at which they picked up the transaction and relieved that it hasn't turned into a complete nightmare knowing what some people have been through with their details being stolen. Hopefully it won't happen again and I've just used my card somewhere silly without thinking.

Hats off to Barclaycard and their fraud department - I'm a very satisfied customer.

for more info go here www.adeptra.com, thats who the banks are using to make the calls

i know them quite well ;-)

Edited by Scamper on Friday 13th March 13:29

[Galileo]

I had a similar conversation with Lloyds bank the other month. A chap rang me and said that he was from Lloyds Faud prevention dept and said he'd just stopped a transaction going through for something in Canada costing £1800 and some computer equipment for £2500. Very friendly guy, who said he wouldn't insult my intelligence by asking any details but would advice getting in contact with my branch who will give me a number to ring to confirm the fraud.

Very professional. Unlike the branch manager who is a tt.

[Jasandjules]

Had the Nationwide act very efficiently when money was being nicked from our account as well.

[Ladyhayles]

The panic mainly set in for me because I remember helping my dad with his Lloyds account when his debit card got cloned. In that case there were about 3 copies of the card and Lloyds get stopping the real card owned by my dad and not the cloned ones and it just continued. To cut a long story short, Dad had quite a sizeable balance in the account because they were gearing up for a house move and within a week, due to Lloyds incompetance, he had gone from several thousands in the black to several thousands in the red!

And then Lloyds made him reconcile his own account because they said they weren't able to!!! It took hours going through the account highlighting the transactions that were fraudulent. Needless to say within hours of getting all his money back via Lloyds the account was emptied, except for sufficient funds to cover necessary direct debits and was immediately paid into a new account at Nationwide.

My father refuses to go anywhere near Lloyds Bank now and also arranged for his mothers bank accounts (a few thousands pounds worth) to be moved elsewhere too due to their inability to manage numbers.

Not suprising with whats happened to them now!

[JB Rugby]

HSBC are sometimes too efficient with these.

I regularly travel to African countries (often the ones with $100,000,000 bank accounts belonging to nobody). Usually I would get to the airport, get some cash, and get denied paiement later on in restaurants / hotels. Conversation with HSBC fraud "specialists" usually goes like that:

ME: Hi, I can't use my card.
HSBC: Yes, it seems someone in Lagos has got hold of your details and withdraw cash / paid for so and so.
Me: Yep, that'll be me.
HSBC: You sure?
Me: As sure as I am me.
HSBC: OK, I'll put a marker on your card. When are you back in the UK?
Me: 3 weeks time.
HSBC: Oh that's nice ! 3 weeks of sunshine
Me: Bloody hell woman! It's not the Maldives! I have to travel in a big 4x4 with 2 armed bodygards who just advised me to hide my watch "just in case".
HSBC: ho, erm... Have a safe trip. Thanks for calling us.
Me:

[mechsympathy]

JB Rugby said:

HSBC are sometimes too efficient with these.

Don't you warn them in advance? We usually do, but forgot when we went on honeymoon. SWMBO wasn't impressed when we couldn't pay for anything after the card was stopped as a precaution

[twiglove]

JB Rugby..

I imformed HSBC that I was going to "said" country, just so they knew...

...It is quite interesting being driven around by professionally trained anti hijack drivers with armed police outriggers front and back

...on one occasion going back to the airport we got stuck in the rush hour trafic and seeing the police push the business end of thier automatic assult rifles into peoples chests to make them move..... wow...many sweaty palms there....

[JB Rugby]

mechsympathy said:

JB Rugby said:

HSBC are sometimes too efficient with these.

Don't you warn them in advance? We usually do, but forgot when we went on honeymoon. SWMBO wasn't impressed when we couldn't pay for anything after the card was stopped as a precaution

I regularly forget to do so. It's that old: "I'll do it tomorrow", "I'll do it from the airport", I'll do it queuing an hour for visa/passport control"...and then never do it. And it's not because it's new... I've been doing it for 5 years!

to be fair with them though. I travel to so many stholes that I'd rather have it that way.

Edited by JB Rugby on Friday 13th March 14:26

[JuniorD]

It would be interesting it their call advising of the suspicious purchase, which one made oneself, of an inflatable rubber gimp suit or similar , was picked up by one's wife/mother etc.

[bazking69]

It's £185. They will still write it off rather than spend more than £185 to actually get to the route of the problem and try and catch the culprit.

[Landlord]

JB Rugby said:

Me: Bloody hell woman! It's not the Maldives! I have to travel in a big 4x4 with 2 armed bodygards who just advised me to hide my watch "just in case".
HSBC: ho, erm... Have a safe trip. Thanks for calling us.

Nice. That showed her for being polite, didn't it.

[RedImps]

JB Rugby said:

HSBC are sometimes too efficient with these.

As are Natwest/RBS - I had my card stopped trying to withdraw cash near Istanbul - Natwest rang my home number, they identified themselves to my wife (joint account holder - in fact she is the first name on the account as it is ex-staff) and asked to speak to me. She tells them I'm not there - but they won't allow her to help.

So rather than ring my mobile about an overseas transaction they call a number in the UK - geniuses. I travel a lot so overseas transactions are not unusual.

When I finally get through to the fraud dept, as part of the security questions they ask me to list some recent transactions - what like the one at Travelex Heathrow a few days before .....?

[JB Rugby]

All in said in jest ... it usually makes them laugh during their dull day.

[911motorsport]

JuniorD said:

It would be interesting it their call advising of the suspicious purchase, which one made oneself, of an inflatable rubber gimp suit or similar , was picked up by one's wife/mother etc.

[RedImps]

mechsympathy said:

JB Rugby said:

HSBC are sometimes too efficient with these.

Don't you warn them in advance? We usually do, but forgot when we went on honeymoon. SWMBO wasn't impressed when we couldn't pay for anything after the card was stopped as a precaution

I was advised by my bank and some of my credit cards that it makes little difference; certain locations are rife for cloned card activity so the fraud departments respond whether you have told them or not.

[Landlord]

JB Rugby said:

All in said in jest ... it usually makes them laugh during their dull day.

Sorry, I took it to be facetious. My mistake.