Daylight Robbery at the ATM

[George Warner]

Happened to us last Oct our bank NationWide phoned us,in Turkey,to ask if we had visited the far east of Turkey where our card? was attempted to be used.
Seems as though our card had been cloned despite shielding when inserting and entering the pin number.We knew the card had been cloned when using the Garanti Bank ATM in Calis and duly went and reported the act to Alper ,member of this forum and employee of Garanti Bank.
He expressed surprise and said that neither he or his colleagues were aware of this thing happening!
I then went back to the ATM and you could clearly see where the light fixture had been moved,was this where a camera had been placed?reported this back to bank, up until two days ago nothing had been to refit the light fixture!!

[stoop]

I try and use my paypal account for internet purhases whenever possible. I have a second current account with RBS that used to be my business account. I keep no more than 50p in it at any time and when I buy something via paypal I simply transfer that amount into that account before I click the paypal transaction so that if anyone does hack into it they can only get what's in there - which is minimal.

[John64]

Cloning cards is a worldwide problem that occurs at ATM's, in shops and supermarkets, at gasstations and every other place where cardtransactions take place. Professionals (often Eastern-European) are so very good at it that it's next to impossible to detect it before using the card. Naturally places where many people use the machines are right there on top of the list of favorite places to manipulate machines. There's not much more to do than shield your PIN as best as possible when entered and a very regular online check on the balance of your account. Camera's used to read your PIN are virtually impossible to see.

A new trend is a strip of sticky tape in the machine that prevents the machine returning your card. People think the card is swallowed by the machine and walk off to the bank to report it, giving the badguys enough time to remove the card and use it. If your card is ever swallowed by the machine, stay at the machine and call your bank or the police.

Most Western banks do regularly check accounts and block cards automaticly when they notice suspicious transactions or when they see the card had been used at a suspicious cardmachine. Even when there just a possibility that your card could have been cloned. Great service, although even that can be a real problem when you're abroad...

[nichola]

Good idea Stoop. PayPal is free and easy to use and offers an additional measure of security.

Also just to add that the ATM's in Çaliş have a long and notoriously bad history with people routinely reporting problems over the past few years unlike the ATM's in Fethiye where it is rare to hear of any problems whatever the reason may be for this.

[madmart]

Not sure if I have posted this before, but I found this a couple of years ago.

[puma]

thanks madmart

[Jacqui Harvey]

It works both ways when you buy on the Internet, keep this in mind.  I have had a number of enquiries like this one.  A lady from Indonesia emailed me and wanted an item on my website that was £2,500. It was going to be a wedding present for her son.  She said she would have the item picked up by her own transport people and would pay by card.  I knew this was a fraud and as soon as the item was picked up the card would would be a dude.   I check it out and I was right.  This happened a few times.  So, traders can be affected just like the public. 
Also Paypal is run from a foreign country and makes all it's own rules and will not be governed by any of our tight regulations for banks and credit card companies, they are a law onto themselves.  They also demand that members, after a period of time, give up their bank details so they can go into the customers account and take out money.  It has been known for employees of Paypal to clean out customers accounts. So be really careful.
Take a look at  http://www.paypalsucks.com/    I have used Paypal to pay money, but I have never let them have my Bank details. 

[Scunner]

Another common Paypal con is the person who wins (buys) your item suggests they collect in person, does so, then files a complaint with Paypal saying you haven't sent the item. Paypal take the payment back from you and return it to the buyer - you can't prove they collected it, they have the item and their money back and you have nothing.

Sorry, nothing to do with ATMs but just for info.

[stoop]

That's why I only use the account with no balance Jacqui - the can take it all for me - 50p max and no overdraft   

Also paypal is governed by European laws - from Wiki:

In 2007, PayPal Europe was granted a Luxembourg banking license, which, under European Union law, allows it to conduct banking business throughout the EU.[61] It is therefore regulated as a bank by Luxembourg's banking supervisory authority, the Commission de Surveillance du Secteur Financier (CSSF).[62][63][64]

[Jacqui Harvey]

Yes, but nothing to do with the U.K. Europe is not the greatest example of helping the U.K.   
Paypal demand your banking details which means they have access to your Bank and can draw out money from your account. They are far too powerful.  Which credit card company would actually tell you that they needed all your bank details to allow you to go on using them? and then you more or less give them permission to take money from your account at random, scarey stuff I think.  Obviously Stoop, you do too.