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 Post subject: Re: Card fraud :-(
PostPosted: Thu Feb 10, 2011 22:35 
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When I travel about I totally rely on a few items being delivered to me at a never previously used address. I occasionally get a call from the Bank querying if everything is OK as it is out of the normal pattern. They occasionally paused a transaction and checked which is OK and sensible. :)
I can see the difficulty of allowing freedom on one hand then disabling it on another. I would hate to be disadvantaged just in case it helped prevent a bit 'less fraud' maybe.

I am pleased Tone that you did report it - I was going to say that you must report it as any lost personal data about us now-a-days is crucial to prevent frauds over time. Whilst they say that they have thrown away your DL I would inform DVLA immediately as they might not have and as much as I hate to say it - it may come back to bite you later. The Police report will help to verify your genuine theft incident.

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 Post subject: Re: Card fraud :-(
PostPosted: Tue Feb 15, 2011 01:15 
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Big Tone wrote:

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:!


Threw away? Oh really, she would throw away two valuable items like that but keep a fairly worthless wallet?

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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.


More like after selling your licence and card on she is a few quid up on the deal.

Who says crime doesn't pay.


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 Post subject: Re: Card fraud :-(
PostPosted: Tue Feb 15, 2011 11:31 
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Homer wrote:
Big Tone wrote:

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:!


Threw away? Oh really, she would throw away two valuable items like that but keep a fairly worthless wallet?
Beats me too Homer :?

Homer wrote:
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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.

More like after selling your licence and card on she is a few quid up on the deal.

Who says crime doesn't pay.
Oh :censored: !

I hadn't thought of that. Kinda wish you hadn't told me ;)

Well at least I’ve done the right thing and both the police and Barclays know all about it. So hopefully my bank will be vigilant and if I get a NIP through the post I can defend it to their satisfaction, unless it is one of mine of course. :twisted:

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 Post subject: Re: Card fraud :-(
PostPosted: Sat Feb 19, 2011 14:54 
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Hang on to yer hat folks, there's more...

So then, just when you think it has been laid to bed, P.C. Blogs called me this morning to ask if he can come around. “Yes” says I.

So he comes around to talk and get me to sign something. (I think I’ve got underpants older than him, but he was nice and professional).

Turns out he was misinformed and he cannot charge her a Statutory Fine after all, which are either £60 or the £80 he tried for, so she won’t have to pay that. :banghead: I’m sure this will mean more to you Fishermen but apparently that is used for things like shoplifting and other misdemeanours, not for my case. :doh:

But he said there has been something else introduced just recently called a ‘Community Resolution’ which he can use for my case. She still won’t have to pay a fine but he can get my money back from her to cover the cash in my walet and money spent on replacing my licence, which he is going to try and get back for me by the end of the month and "please sign here" to proceed with it.

He said he's already been around this morning but she wouldn't answer the door. Why am I not surprised? :banghead:

You just can’t make this stuff up. Image

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 Post subject: Re: Card fraud :-(
PostPosted: Sat Feb 19, 2011 21:36 
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You will probably findthat she is classed as a low income person (they don't take into account the amount that she steals per week as income, though) and you will probably be awarded something like £1 a month will will stop being paid after about two months.

I took a woman who owned 25 show dogs and shows at crufts, to court for £180 that she owed me for doing a job once, the judge awarded me a fiver a month that I had to collect, this lasted two months. I couldn't have it paid from her disability (or whatever she was on ) allowance or claim off her husbands wages because he claimed he was her carer...you really couldn't make this stuff up.

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 Post subject: Re: Card fraud :-(
PostPosted: Sun Feb 20, 2011 14:14 
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With 25 dogs she was probably broke anyway !
I mean.....50 plus doggie meals a day, several times that results of said meals as they pass-through (cannot be put in the dusbin) and the insurance cost of the dogs......plus any treatment, since vets fees are nothing short of grand theft (I mean, 35 quid for a course of antibiotics then the consultancy fee for same of 75 quid.....and the antib tablets costed out at less than a quid from the manufacturers)
Maybe you should have regarded the failure to pay as a contribution to her costs ? ;-)

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 Post subject: Re: Card fraud :-(
PostPosted: Sun Feb 20, 2011 14:32 
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It's not to do with the fact that this crime is taken more seriously and by her accepting a set fee/fine that would then disable the Credit Card Fraud (CCF) Legal Dept from taking things further ? So by you signing this that may then allow PC Plod to do his bit that prevents you taking it further but there is a fee to be paid by her that matches your loss (which is good and more appropriate for you). Giver her a greater responsibility to see what she cost you and even if she has to pay it back slowly it may help to 'count'.
Plus this probably allows her to face Court through the CCF Dept. perhaps ... :) good that he has followed it through and got back to you. :)

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 Post subject: Re: Card fraud :-(
PostPosted: Sun Feb 20, 2011 22:11 
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Musing.

The law establishes the appropriate fine for the offence irrespective of the financial circumstances of the offender. (We have had this "punishment should fit the crime not the offender" argument before.)

If you can't or won't pay then the punishment is, say, one application of a taser for each £50 of the fine. Everyone "pays" somehow and the victims do not feel let down that the miscreant has "got off".

A bit harsh and against human rights?

Yes.

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 Post subject: Re: Card fraud :-(
PostPosted: Sun Feb 20, 2011 22:22 
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graball wrote:
... she owed me for doing a job once, the judge awarded me a fiver a month that I had to collect, this lasted two months.
How do you mean that you had to collect it ? Surely it got paid to your bank account or some such - a D/D or S/Order. Plus over that length of time it probably cost you money if you had to go and get it !

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 Post subject: Re: Card fraud :-(
PostPosted: Sun Feb 20, 2011 23:44 
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yes this was the biggest frustration about the whole case.
The judge was an idiot. Not only did he award such a low payment, when I pointed out from their joint income (which I was supplied with) that they could afford much more per month, he then went on to rub salt into the wound by not insisting that they paid me direct from their benefits or pay slip but I was expected to go round to their house, once a month to knock on a door that probably wouldn't be answered,( afetr getting through 25 yapping dogs) ( I even asked a bailiff friend of mine if the bailiiffs could reposess one of their "prize" dogs), to collect a miserable fiver (if I was lucky) for the next three years. (British justice eh?) A meaner person would have given their dogs a treat of steak laced with poison but I don't believe in animals suffering.
I got them to agree to come to my house with a payment book, that I would sign every month and told them that if I wasn't in, to push it through my letterbox, I would sign it and hold it til the next payment was due. This worked for the next two months.
On talking to other people whom I know in other businesses, it turns out that they are well know in the area for failing to pay for services/goods supplied and I had about as much chance of collecting the £180 as winning the lottery. I gave up for the time being but I believe that I have 7 years in total to claim my money (plus interest) so may re pursue one day soon.

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 Post subject: Re: Card fraud :-(
PostPosted: Mon Feb 21, 2011 02:08 
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This is killing me Graball!

I could get on my soap box, but I'd just like to say I would not want these 'miscreants' to know where I live and you have my sympathy.

I think the real problem is we live in the real world while the people who make the rules live in an 'Ivory Tower'.

It's how it's always been! Same circus, different tent...

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 Post subject: Re: Card fraud :-(
PostPosted: Mon Mar 21, 2011 20:17 
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Guess who got a phone call today and a visit from two police? :o

I got the call while practicing my swing at the golfing range from the officer dealing with this. (My case, not my golf :P ). So I agreed to get back in half an hour to meet him, whereupon two PC's come around in an unmarked car. (Him and a Community Support Officer). :shock:

He said he had been around several times to 'the bitch', (my words), and on some occasions it was obvious that someone was in the house but they ignored the door. Eventually, however, he got to speak to her and told her if she doesn't pay £30 to recompense me he will arrest her.

By virtue of her signing the Community Order thingy I mentioned earlier, it is like a confession that she did commit the offence and he does have the power to arrest her.

She told him she had never been arrested before and not wishing to sully her reputation, (pah!), she said she will find the money and pay. (I can only imagine where she got the money from :roll: )

He gave me my old wallet back and £30 in cash tonight, and we had a nice chat and laugh about law and order and things and what happens in what the rest of us call 'THE REAL WORLD'... :lol: & :banghead:

They were just great! I love policemen/women, on this level, and I really feel for them because, and this is my personal take from this experience, their hands are sooo f :censored: n tied! :banghead:

I still have to say though, the punishment in no way fits the crime!!! But hats off to the hard work and perseverance of the officers who work within the rediculous constraints of The Law. :bow:

So finally, this is, at last


The End.

The moral of this story?

Crime does pay :(


PS. Still very unhappy that my Driving Licence is out there, somewhere...

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 Post subject: Re: Card fraud :-(
PostPosted: Tue Mar 22, 2011 01:09 
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Delighted to here that end for you and that they were jolly decent about it all too. Good. :)

I hope that they gave you something in writing to confirm that the DVLA have noted your lost licence or have you done that yourself now anyway ?
As a precaution I would close all existing bank accounts and start new one's depending on advice and protection .... Get ALL DD and SO so that they are verified in person - (they send all details to you), I have had that activated again recently on the Safe Speed account after another fraudulent action. (It was thought to be a genuine digit errors ... but I am thinking of changing the bank a/c). At tleast then if anything does show up it will not be months before you know that it even started !

I am pleased ... good news is always good to hear ! :lol:

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 Post subject: Re: Card fraud :-(
PostPosted: Tue Mar 22, 2011 07:19 
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Thanks Claire. :)

I'm pleased not to end up out of pocket, eventually, but I think It's a really pathetic result in the name of justice given how fraud is meant to be such a 'biggy'.

If fraud is such a heinous crime yet she actually ended up getting a fine of a big fat zero what does that say about a small 'safe' traffic violation where you get a £60 fine and a sullied licence! Easy to see where the priorities are.. :x

I'm very happy with my bank and confident that the checks and balances they use are sufficient. I've been keeping a close eye on my account since and an even closer eye on my wallet :stupidme:

Add. Forgot to say; I declared my licence as stolen on the form when I applied for a replacement. It's one of the questions they ask on the form and I gave them the Crime Reference number. It's all there, on CCTV too, for what little it was worth in the Justice end.

Pah!

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 Post subject: Re: Card fraud :-(
PostPosted: Sun Apr 03, 2011 23:06 
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I think this is related and pertinent, as opposed to starting a new thread...

I am so wound-up right now, and have downed 'a little something' to help my stress, but I will do my best to curb my language.

My girl friend went to a place today which I often frequent. It’s a Shopping Centre and she took a train to get there on her own, as she has done so many times before.

She was in a carriage where a man who was to become very intimidatory started to talk to her. She couldn’t ‘escape’ from this situation, so basically had no option but to listen to him talk of his jailbird antics and nefarious record. He could have been on ‘something’, but who knows these days..

At one point as they passed a building, where he said he used to live, he told her “I torched it”. He went on to say that when he was in jail he had to share a cell with another inmate where he waited for him to go to sleep. He boiled water and mixed it with sugar before pouring it on the inmates face! There was much more, and I’ll save you the details, but you get the picture as she had to wait, and wait, to get to the destination for some 20 minutes..

Now I don’t know, anymore than she does, if this is all true about himself but he was certainly not what we would regard as normal. But given she is on her own, and the state of his 'thuggish' face and vulgar language, you can imagine how she felt and how any vulnerable single woman would have felt in that situation.

He demanded money from her but said he will pay her back if she writes her details down for him. (No way). In short, she ended up going to the bank with him following her and because it does not give less than denominations of less than £10 she withdrew £10 and gave that to him.

He wanted to follow her around but she said “no thanks you enjoy your day, I’m meeting my friend” in a bid to placate him and be on her way – which worked thankfully.

As coincidence would have it, I went to the very same place on my motorbike today and just as I was entering the centre entrance which I always use, we met each other.

She looked pale-faced and the first thing she said was that she has just had the most terrible experience. If I had been 3 or 5 minutes earlier I would have seen her, and him, as they passed the entrance I always use to the shopping centre. But I caught her on the way back from the cash point where she was going to go straight back home on the next train after this terribly distressing event. :(



Here’s where I am going lose control one day but for the fact I didn’t catch that bastard! I went around with her in the centre for the next two hours looking for that c :censored: t ! :furious:

There’s more to it than this, but after some ‘us’ time at the centre I met her back at mine later after seeing her safely on the train; I did not meet up with him.

When I got back to mine, long before Maria was to arrive, my neighbour was outside and I off-loaded. My neighbour was equally shocked and disgusted and she told me something I did not know and have never heard before.

She said if you are at a cash point and type your PIN backwards it notifies the police? Apparently, it’s a recognised distress signal but I have yet to verify this or find out how or if this works???

I am so pissed-off right now like you can’t believe! I am not a violent person, far from. But the day I have a choice between protecting the innocent or vulnerable and worrying about what I am going to do to a shit head – you had just better not be the shithead!!! :x


And if that day ever comes I do not expect the Law to side with me; but I’ll do what would have been the right thing 50 years ago for which I would have been praised...

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 Post subject: Re: Card fraud :-(
PostPosted: Mon Apr 04, 2011 22:28 
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Think I might have said that I work with the local Police ! or got off at the next station if I knew it was 'manned', or busy !or moved to be with other people or found a chap and said that this fella was bothering me - esp if he was a big chap ! Might work !

Did you not think to ask for local CCTV tapes ? Or simply immediately call the police for assistance ?
Have you contacted them now ?

BT - Definitely not advised to vent any anger towards anyone ... count to 100 if you have to !
:lol:

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 Post subject: Re: Card fraud :-(
PostPosted: Mon Apr 04, 2011 22:37 
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Report the matter to the police. She's basically been mugged and tormented by this piece of filth. Don't try and deal with him yourself however tempting it is.

Never heard of the pin backwards thing. Sounds like an urban myth.

One way of dealing with unwanted conversation is to have some in ear headphones. Put them on but don't listen to anything. Ignore them and they'll generally get bored and choose someone else. And if you're female and travelling alone always choose a carriage which is open at both ends or sit near the driver or other people that look ok. A newspaper is another good barrier.


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 Post subject: Re: Card fraud :-(
PostPosted: Mon Apr 04, 2011 22:59 
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It was Maria's call, not mine. It took a while to get the full story from her, by which time he would have been well off the scene.

She wanted to just leave it at that, glad to be safe and away from him after her ordeal. I respected her wish and didn't want to make it worse by telling her what I think she should do and turn her upset into a much bigger thing.

Sorry teabelly and Claire but I just wanted to hunt that piece of sh1t down and f :censored: k him!

I am still too wound up about it, so best I leave it at that.

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 Post subject: Re: Card fraud :-(
PostPosted: Tue Apr 05, 2011 00:10 
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The PIN backwards thing is ( a quick search finds) myth, but if you think about it, what are the chances you would get your PIN backwards correctly in a stressful situation?

If I'd had been your girlfriend's situation I would have been straight into the first busy shop or bank and have them call security.


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 Post subject: Re: Card fraud :-(
PostPosted: Tue Apr 05, 2011 09:12 
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Perhaps installing an emergency button facility at a cash point is a very good idea ! At least that way the cameras that are now often used would go into a 'save record' facility as well too ! (Although I am pretty sure if she had reported it the recording anyway will last for at least 24hrs anyway.)
Plus the emergency button will alert any CCTV operators and at least perhaps if they are lucky get a short of the offending person.

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