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 Post subject: Re: Card fraud :-(
PostPosted: Mon Jan 24, 2011 12:54 
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Well I popped into my bank this morning, as planned, and they were on my case so fast I didn't go over my overdraft; or is it under my overdraft? Dunno.. :D

While I was there she saved me some money on my building insurance, down from £18 a month to £14. :)

She cancelled payments for an Additions account I wasn't getting any benefits from at £6.50 a month and rearranged a loan to consolidate some debts. :)

At this rate I might be on top of my money problems before I retire. I like bankers, which is not something you hear very often. :D

I can also change my dodgy tyres now. :roll: £220 for a pair, which only last 6,000 miles. :(

In one hand out the other, as ever. :cry:

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 Post subject: Re: Card fraud :-(
PostPosted: Mon Jan 24, 2011 20:41 
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A pain in the rear that is Tone. Dropping your wallet is easy done, hopefully they will get what the justice they deserve. My brother works in debt recovery for a leading state owned bank and says they are very good at getting their customers money back. He said he spoke to people that had had credit cards nicked and said it's obvious when you look at the transactions which are genuine and which arn't


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 Post subject: Re: Card fraud :-(
PostPosted: Mon Jan 31, 2011 18:26 
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Only just read this Tone, as I have been away for a week. Sorry to hear about your problems, any updates?

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My views do not represent Safespeed but those of a driver who has driven for 39 yrs, in all conditions, at all times of the day & night on every type of road and covered well over a million miles, so knows a bit about what makes for safety on the road,what is really dangerous and needs to be observed when driving and quite frankly, the speedo is way down on my list of things to observe to negotiate Britain's roads safely, but I don't expect some fool who sits behind a desk all day to appreciate that.


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 Post subject: Re: Card fraud :-(
PostPosted: Mon Jan 31, 2011 20:01 
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I didn't believe it could be done.
Started a purchase, got the verified by visa window.
Entered the wrong password, several times.
Eventually got the forgotten your password window.....where you can get a new password.
So you obviously need an email address....such as when you signed-up for "it" ?
No. You need the details that are on the card.....and a postcode.
Obviously the brain that dreamed that idea up never carries anything with an address on it.
In what way is that secure ?

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The world runs on oil, period. No other substance can compete when it comes to energy density, flexibility, ease of handling, ease of transportation. If oil didn’t exist we would have to invent it.”

56 years after it was decided it was needed, the Bedford Bypass is nearing completion. The last single carriageway length of it.We have the most photogenic mayor though, always being photographed doing nothing


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 Post subject: Re: Card fraud :-(
PostPosted: Tue Feb 01, 2011 04:52 
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There's nothing secure about Verified by Visa, it's a cop-out for the banks. Makes it easier for them to blame the customer.


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 Post subject: Re: Card fraud :-(
PostPosted: Tue Feb 01, 2011 09:42 
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Thanks Grabs and Adam :)

Interesting about the Verified thing Homer. I can't remember why I got it now, it's so long ago. Probably for eBay or Paypall..

I rather stupidily haven't got onto telling the DVLA yet and gone about getting a new licence. Been having a small personal crisis and ball-juggling :roll: :(

I have been back to the same store since and the guy who showed me the video said the police did come out and watch it but haven't been back to collect the CD he burned for them. That was a week or more ago so maybe they have gone back now, or maybe they're not bothered.

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 Post subject: Re: Card fraud :-(
PostPosted: Tue Feb 01, 2011 09:45 
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jomukuk wrote:
I didn't believe it could be done.
Started a purchase, got the verified by visa window.
Entered the wrong password, several times.
Eventually got the forgotten your password window.....where you can get a new password.
So you obviously need an email address....such as when you signed-up for "it" ?
No. You need the details that are on the card.....and a postcode.
Obviously the brain that dreamed that idea up never carries anything with an address on it.
In what way is that secure ?
If that's true it's shocking, not that I doubt you Jom. One thing I'm very bad at is checking my bank statements but this episode has given me the kick up the bum I needed.

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You will be branded a threat to society by going over a speed limit where it is safe to do so, and suffer the consequences of your actions in a way criminals do not, more so than someone who is a real threat to our society.


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 Post subject: Re: Card fraud :-(
PostPosted: Tue Feb 01, 2011 17:38 
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My bank didn't believe me either.
They said the questions changed every time.
Then they said that verified by visa was nothing to do with them anyway.
I did the wrong pass four times, each time the same "verification" was used.
And you have no choice anyway, you have to enlist or you cannot purchase things by card at a lot of places online.
You USED to just click on cancel, and then the purchase went ahead.....
Now....you are SUPPOSED to use different passwords for each site.....how am I supposed to remember loads of passwords ?
Write them down ?
Compromise: Non-secure sites get the same name/pass.....
Secure sites (where you pay) get different passwords.....
And online shopping is good ?

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The world runs on oil, period. No other substance can compete when it comes to energy density, flexibility, ease of handling, ease of transportation. If oil didn’t exist we would have to invent it.”

56 years after it was decided it was needed, the Bedford Bypass is nearing completion. The last single carriageway length of it.We have the most photogenic mayor though, always being photographed doing nothing


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 Post subject: Re: Card fraud :-(
PostPosted: Wed Feb 02, 2011 17:26 
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Just had a call from an officer.

He said he has got the CD and seen the video and they have identified who they believe the woman is. The trouble is, in order to trace where the food was delivered, Justeat need to know the 16 digit number from my debit card. The officer said I wouldn’t know that because I don’t have the card anymore but maybe I could get in touch with my bank.

This is where I surprised him a little. I told him the first 12 numbers are always the same, which he didin't know, it’s only the last four numbers which change when you are issued with a new card and I remembered what they are.

Looks like they will get their comeuppance after all. :) Maybe we should all keep a separate note of our numbers in a safe place?

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The views expressed in this post are personal opinions and do not necessarily represent the views of Safe Speed.
You will be branded a threat to society by going over a speed limit where it is safe to do so, and suffer the consequences of your actions in a way criminals do not, more so than someone who is a real threat to our society.


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 Post subject: Re: Card fraud :-(
PostPosted: Wed Feb 02, 2011 18:04 
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Big Tone wrote:
Thanks Grabs and Adam :)

Interesting about the Verified thing Homer. I can't remember why I got it now, it's so long ago. Probably for eBay or Paypall..


.

Just seen your latest post re CD ETC -good news .
Seem to remember we all got verified by Visa because the bank told us we had to have it and it made things more secure .
Had a google to try and verify that ,only found this --
(HINT,TONE -SIT DOWN ,NO DRINK IN HAND ,otherwise I'm not responsible for your keyboard)

http://www.visaeurope.com/en/cardholder ... _visa.aspx

Perhaps your next caption photo is the one showing a transaction .

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 Post subject: Re: Card fraud :-(
PostPosted: Wed Feb 02, 2011 18:49 
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Thanks Botach. :D

It's small wonder why I am so cynical.

At work we have recently gone from the old email system to a new one where it is encrypted and safe to include patient-sensitive information including their name instead of a number ID.

Does anyone here really believe It's going to be "safe", because I certainly don't. I'll give it two years. :roll:

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The views expressed in this post are personal opinions and do not necessarily represent the views of Safe Speed.
You will be branded a threat to society by going over a speed limit where it is safe to do so, and suffer the consequences of your actions in a way criminals do not, more so than someone who is a real threat to our society.


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 Post subject: Re: Card fraud :-(
PostPosted: Wed Feb 09, 2011 16:51 
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Epilogue:

Had a phone call from the nice policeman today who just filled me in on the latest.

He traced the house where she had the grub delivered with ease once he had my old card number, (how dumb can you be?), and sure enough the woman who instructed her son to grab my wallet was there. (I’d love to have been a fly on the wall :bluelight: ).

She quickly fessed since there’s not much point in denying it after being told she’s a TV star and he had two options..

A caution, which he said is like a slap on the wrist. Effective with some in some circumstances but not her, so he felt. (I don’t think a caution does bugger all actually, not with today’s generation)

So he went for what I think he called a statutory fine of £80. She even still had my wallet which she handed over to him, minus my card and Driving Licence which she threw away the :censored:!

In effect, she has paid for the meal they had plus the difference which amounts to about a £27.50 fine, so it isn’t a really big slap in the face for her IMO considering what she did, (theft and fraud), especially given that I have lost the £7ish I had in it and forked out £20 for a replacement licence.

I've just realised we got the same penalty! :x And ‘they’ say they take card fraud “very seriously” :banghead:

I forgot to mention that Barclays sent me a form to fill in the other day about this because they too take card fraud “very seriously”. Maybe she will get another knock on the door and told she’s been a very naughty girl.

Great Britain. Image Soft on crime soft on the causes of crime; unless you’re an evil, polluting, child-killing motorist of course.


Image


I’m still going to write to PC12345 to thanks him for his effort. It’s not his fault he’s only got the feathers in his quiver.

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The views expressed in this post are personal opinions and do not necessarily represent the views of Safe Speed.
You will be branded a threat to society by going over a speed limit where it is safe to do so, and suffer the consequences of your actions in a way criminals do not, more so than someone who is a real threat to our society.


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 Post subject: Re: Card fraud :-(
PostPosted: Wed Feb 09, 2011 17:51 
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Everyone agrees that police officers sitting in police stations filling out forms is bad news. Police officers should be walking the beat, answering real emergency calls and investigating crime. In an extraordinary example of ‘poacher turned gamekeeper’, former Chief Inspector Jan Berry was appointed the Reducing Bureaucracy in Policing Advocate in October 2008. She is also a former Police Federation leader.

Here is the list of forms and paperwork required by force policy from a Ruralshire Constabulary officer after they have attended a ‘Domestic harassment by text message’ between Wayne and Donna.

The scenario: Wayne has discovered that his on/off ‘baby mother’ Donna is pregnant by his mate Levi. Donna is not really pregnant at all; she just wants to upset Wayne because he stole her child benefit money to buy cannabis. Wayne goes into Ruraltown on Saturday night, gets drunk in the town centre (on cheap booze he has stolen from a supermarket) and sends some texts to Donna, threatening to burn down her council house and kill her (and his child) in the process. He then collapses drunk and falls asleep in a gutter somewhere.

Donna telephones the police and tells the operator what has happened. The operator ticks all the high risk boxes (Arson, a child present, threats to kill, previous domestic violence, pregnancy) and although she knows this is complete nonsense, has no option other than to send at least one unit to Donna as an emergency. This is to cover Ruralshire Constabulary in case this is the one in a million incident where Wayne is actually about to set fire to Donna’s house.

Police attend, take a statement from Donna, take her mobile phone with the texts on and then go looking for Wayne. They find him, He can’t remember anything and gets nicked for making threats to kill. Someone has nicked his unregistered pre-pay phone. He gets bedded down in custody and the officers then sit down in the report writing room to complete the following paperwork:

Pocket Note Books.

Arrest Statement.

Exhibit forms for the mobile telephone.

Donna’s statement (already done).

‘Night time Economy Form’ because the offence happened on Saturday night in the town centre.

‘Domestic Violence Form’ because once, a long time ago, Wayne and Donna swapped bodily fluids and she had a baby as a result.

A ‘Child Protection’ referral form.

An update for the original computer log of the incident.

Several MG forms (I can’t tell you how many as it would identify my force).

The ‘Search Record’ for when Wayne came into custody.

A ‘House to House’ form, mandatory for domestic violence calls.

An immediate ‘HIGH RISK’ information report because of the arson element.

A ‘Drug and Alcohol Rehab’ referral form because Wayne is drunk.

The officers count themselves lucky that Wayne and Donna speak English, that Donna was not the suspect (or they would have had to organise child care for the baby) and that neither needed to be escorted to A & E for treatment. Those features would have required yet more paperwork.

All this for an incident where no one was actually injured.

In the morning, Donna refuses to support a police prosecution, withdraws her statement and swears to the officers that she loves Wayne and tells them to ‘piss off’ when they go to the house to return her phone. Wayne thanks us for the free nights kip and breakfast and leaves grinning after a ‘no comment’ interview. All the paperwork goes into storage, with the tapes from the interview and the custody record (likely to be about ten pages long with various risk assessments etc).

The whole charade is likely to be repeated, all be it in a slightly different way, next weekend and the weekend after that, forever. Every officer who comments below will have dealt with this kind of nonsense on a weekly basis. After all, these incidents are the only attention these people ever get from anyone.


http://inspectorgadget.wordpress.com/

http://www.amazon.co.uk/Perverting-Course-Justice-Hilarious-Shocking/dp/1906308047/ref=sr_1_1?ie=UTF8&qid=1297270192&sr=8-1

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The world runs on oil, period. No other substance can compete when it comes to energy density, flexibility, ease of handling, ease of transportation. If oil didn’t exist we would have to invent it.”

56 years after it was decided it was needed, the Bedford Bypass is nearing completion. The last single carriageway length of it.We have the most photogenic mayor though, always being photographed doing nothing


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 Post subject: Re: Card fraud :-(
PostPosted: Wed Feb 09, 2011 20:46 
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Well, that was one hec of a rediculous waste of police time if ever there was Jom. They should have had some kind of slap for wasting police time, but I know how these things go... :roll:


I confess I do sometimes buy the Daily Mail but this is a personal experience I have had to deal with. So whether people think I speak with fork-tongue or not, at least I know this isn't Bovine Excrement or hyped to the max to get ratings or money.

I’m doing my OCD ‘dwelling on things' again and this actually stinks like a soiled diaper the more I think of it :x I don’t have answers to some questions and I’ll try and remain focused while my BP soars to that of an adult giraffe.

Exactly what have we got here?

1) The frustration and stress of that event as I tried in vain to get through to a ‘lost or stolen’ contact for 20 minutes as tossers or a tossess infiltrated my finances.
2) The worry of what else they could do by virtue of being in possession of my card and licence and what may come through my letterbox next
3) The time, travel, and interview-time with police as they took my statement.
4) Their time, travel and interview-time with me as they recorded my statement.
5) The good PC who investigated this and his time trouble and tax payers expense

I’m sure there are more which I can’t think of right now but maybe others here can and bolster my case?

Next: -

Someone who may well have a record, or associate with people who do, knows the system and doesn’t give a shite about any negative label or sees it as a an oft-quoted expression lately known as a ‘badge of honour’ has been ‘punished’ resulting in this is a suckcess story. Really???

Exactly what have we got here, part two?

1) As I have already said, she effectively got a £27 fine – end of!
2) Look at the time, expense and resources she has taken up at OUR tax expenses.
3) She had a fine of £80. WOW! No she didn’t! Why did she not get a fine of £80 plus expenses? If she had screwed the system out of £1000 would they have said £80 fine. The money you stole is yours so you are £920 up on the deal - now don’t do it again? (I hope you’re watching this Fisherman because I would really like your take on this)

I could go on but really, seriously, does anyone here honestly think this is any kind of deterrent or punishment which fits the crime?

It is a Pyrrhic victory if ever there was and a sad indictment to how pathetic this country is, or has become, and I can declare I did not get this second or third hand from a newspaper because I lived it on top of all the other crap I've got on my plate lately :x

I've never done a poll thing here, or anywhere. I wonder if a pray-see was done of this how many would think just-ice was done?

Seriously, I think it's pathetic and all have right now is the Internet and a stupid beer. :(

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The views expressed in this post are personal opinions and do not necessarily represent the views of Safe Speed.
You will be branded a threat to society by going over a speed limit where it is safe to do so, and suffer the consequences of your actions in a way criminals do not, more so than someone who is a real threat to our society.


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 Post subject: Re: Card fraud :-(
PostPosted: Thu Feb 10, 2011 01:57 
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She got an 80 quid fine, which for society is a good thing.
The list of things to be done in my post is virtually replicated, and more, for theft/fraud etc.
If she had gone to prison it would have cost a lot more, for us, and done less.
Prison costs over 600 quid a week.
Will she change her career ?
Not a chance.
Would she change it if faced with 18 months ?
Not a chance.

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The world runs on oil, period. No other substance can compete when it comes to energy density, flexibility, ease of handling, ease of transportation. If oil didn’t exist we would have to invent it.”

56 years after it was decided it was needed, the Bedford Bypass is nearing completion. The last single carriageway length of it.We have the most photogenic mayor though, always being photographed doing nothing


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 Post subject: Re: Card fraud :-(
PostPosted: Thu Feb 10, 2011 06:53 
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So sorry to hear this. Just catching up on things !
A big HUG :lol: and a :drink2:

I have been there - had it happen ... lost lots as they used my licence to obtain £800 of stereo out of Curry's (about '89). So for a long time I didn't know and 2yrs later when they 'found me', I also learned that I had 'earned' a bad credit rating!!! (For the unpaid fraudulent transaction!) It was all sorted, but many things went wrong because of it, and I lost a lot that had been in my handbag (the police couldn't believe the massive list but it was 'tidy' and I knew where everything was !) with sentimental pens in and photos, then there were all the 300 CD's and my car and so on and on !
Why they took 2yrs to catch up with me is a massive puzzle, as they issued a new card and knew where we moved to too !?? I think they are not really very 'bright'.
Whilst the car was still stolen, I accidental stabbed my finger with a scalpel while trying to work on a £300 client's colour negative for work !
I spent ages looking out the window for my car and ages looking around in case they had thrown things out down the road ....
Some months later someone was nearly caught with Paul's stolen cheque book !
I was grateful that I had one of those cardwise references so all cards got cancelled immediately.
two days later the car was returned - intact with car and house keys, but all that was loose was gone, bar the mapbook, and a few cigarette butts, which the police didn't have the manpower to check !

After this I only ever carried around a photocopy of my license, with me, for many many, years afterwards. I was amazed that even Policemen used it as if it was the real one!
I know how shocking and upsetting it can be too. I assume the cops got the CCTV too from the Just Eat place? Although perhaps that was un-necessary.
Not a good experience and a sad negative for bike riding too .... I must say I do find the 'clobber clothes for bikes' a bit of an annoyance - although completely essential ! My bike has 'nets' for little purchases (etc) and that can make some quick shopping 'easier'. You should have rung me!

I think it is great that they caught the nasty dishonest woman. Fancy teaching her son to behave like that !
I think they Police ought to have the authority to ensure that all your expenses are paid back, and to say sorry to your face (with son too) and hear what you have to say about it too !
Perhaps that shop or both could ban her !? :twisted:
Perhaps too she needs to be taught the value of responsibilities and decency.
The shock of the event will subside but try to look to life's more positive aspects ...

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 Post subject: Re: Card fraud :-(
PostPosted: Thu Feb 10, 2011 12:59 
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Oh sorry Claire, I didn’t know my post would bring back bad memories of such a terrible period. I really do now feel like I got off very lightly. I suppose back in 89, before the world went so hi-tech, it was much more difficult to trace and collate evidence than it is now, not that it’s any excuse for them taking so long and getting it wrong for you.

I’m not sure about any CCTV from Just Eat. As I understand it they are just an Internet based company who deliver from places all over the land. So even if these other places have CCTV I don’t think it would be very useful since they only do home deliveries AFAIK.

Hadn’t thought about the shop banning her. I’ll put it to him thanks ;) He may not want to antagonise her though for fear or reprisal from her or her cronies. I agree about her being a bad role model for her son. No doubt he will be a problem to the law and general the public later in life, if he isn’t already.

SafeSpeedv2 wrote:
A big HUG :lol: and a :drink2:
I’ll hold you to that ;)

I still owe you a nice meal. Don’t think I’ll be using Just Eat if that's okay with you. :D

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The views expressed in this post are personal opinions and do not necessarily represent the views of Safe Speed.
You will be branded a threat to society by going over a speed limit where it is safe to do so, and suffer the consequences of your actions in a way criminals do not, more so than someone who is a real threat to our society.


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 Post subject: Re: Card fraud :-(
PostPosted: Thu Feb 10, 2011 13:42 
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This whole debacle also begs the question why retailers send goods to an address other than the cardholder address! If they didn't do this then it would be pointless to steal cards as you could only send the stuff to the card owner address. Not your dodgy mate down the road or wherever it all ends up.


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 Post subject: Re: Card fraud :-(
PostPosted: Thu Feb 10, 2011 14:08 
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teabelly wrote:
This whole debacle also begs the question why retailers send goods to an address other than the cardholder address! If they didn't do this then it would be pointless to steal cards as you could only send the stuff to the card owner address. Not your dodgy mate down the road or wherever it all ends up.


If I'm buying a surprise present for my wife then I would prefer it to be delivered to my work address so that I can wrap it for her. Many people I work with get items delivered to work as no one is at the home address during normal delivery times.

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 Post subject: Re: Card fraud :-(
PostPosted: Thu Feb 10, 2011 14:57 
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Being delivered to a work address is one thing. Being delivered to another residential address is a bit fishy to me. I'm surprised the payment processing systems don't cross reference payments made on different cards using different names going to the same address. Was one guy featured on the one show that had ordered 30k worth of stuff and had it delivered to his home address using 6 different stolen cards and various different names! This kind of payment pattern should set off alarm bells.


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