Be Excellent To Each Other

Sorry to hear that Mimi - you seem to be having a rough time lately. I blame this fraud on the collapse of Lehman Brothers, or possibly the AIG bailout.

Aw Mimi.

You're luck's bound to turn around soon.

Bastards.

Yep, frankly if I could do it without affecting normal people and just the bank it'd be really fucking tempting.

According to the laws of karma you should be a person who more happy things happen to, not all this rubbish stuff.
*sends positive wishes over internet*

When I had my card cloned/copied/I don't know, I had three transactions taking out a subscription to World of Warcraft in America. Barclays stopped the card, and sent me a form for me to sign to say I had been careful with my card, and not written my PIN code anywhere etc, and the money was back within a couple of weeks. Then another three transcations to World of Warcraft in France went out a week later because apparently they'd been authorised at the same time as the American ones, but took longer to show up. I closed the account, and moved banks, but I couldn't fault the people on the end of the line.

Just make sure you speak to the fraud department, not the customer services. They're pretty patient if you ring up more than once about the same issue I found.

Barclays Fraud were always excellent with me.

It annoys me that it's referred to as fraud. Surely it's theft? Mimi has had over £200 taken from her - that's theft. The fact that the bank will recompense her, taking their sweet time about it, doesn't change that.

If I walk up to someone, grab their wallet and take £200, saying "I'll give this back to you. At some point in the near future. If you fill out these forms". Is that fraud?

I blame Prime Minister Gordon Browns (We Didn't Even Vote For Him, You Know)

It's both. It's fraud because someone pretended to be Mimi for financial gain, i.e. they used her card. All fraud is theft, not all theft is fraud.

FTFY.

I'm really sorry to hear that Mimi, you really do have the worst luck.

I was fending off a school class invasion, so I only got chance to speed-read the first time and didn't quite absorb the misery of your situation. Sorry about that, it's going to take more than me naming a Pirate Queen after you to cheer up your week.

Other BETEO'ers here are better at giving advice than me, but I hope things get sorted soon and that the grudging response you got first time around was an unlucky stupidity in the customer service echelon. Here's hoping you get your money back soonish and get through this as painlessly as possible.

Love and hugs,

Pete

hehe, nooooo, I LOVE being the namesake of a pirate queen

Thanks for all of the help and understanding guys and girls, I will get back in touch with the bank. I will go into branch tomorrow and talk to them about it then phone up and speak to someone more understanding, hopefully.

I'm feeling a little better after a bit of a lie down and a sob. I bought a kokeshi doll last week to cheer myself up after being mugged, but it was in a secret box that you couldn't see into and I didn't open it in case I needed an emergency last minute gift for a female near Christmas time, but I decided that I could do with a gift to myself today. I just opened it up and it looks just like me. That cheered me up a lot. I think I might make an avatar out of it.

RE: fraud - actually, the guy on teh phone said that it wasn't fraud as they only use the term 'fraud' if they don't know where the money has gone to. Because we know that the money has gone to National Express it is not a case of fraud. To be honest I cared less about the technical terms and what they were going to do to help. That was the response to 'yes, but someone has fraudulently taken all of my money, and he tells me that. Thanks, that is really very helpful

Sheesh.

Really?

Sorry to here it mimi, I think my sister has got the doll on her shelf, shes got 3 of them I think, but that one int he avatar looks familiar.

Umm, no, probably not.

I have quite a few of them. This isn't a traditional wooden one, but a little modern one that comes with matching stickers and a badge. I like the traditional ones most, but these are cute and surprisingly tactile and weighty.

I love this forum

What everyone else said and i am sure it will get sorted quickest and is absolves me from writing "Well, I've got fuck all to do tomorrow so I can pop down with a tenner if you want" but at least the thought was there, eh?

Yeah, but it's the only type of theft that's ignored by the police under 10k.

You people always let facts get in the way of good rhetoric. You'd never make good politicians.

hugs!

Jesus fuck. Yet more evidence that the police don't actually understand the fucking law. Fuck's sake.

I think Mimi was talking about her bank there, not the police?

Oh. It sounded like she meant the guy she spoke to at the police. But still.

You'd expect a bank to understand what fraud is. How on earth are they going to have systems in place to prevent it if they don't know what it is?

It also makes me wonder how they can comply with their obligations under the Money Laundering regs...

Yes, indeed, it was the man from Nationwide that told me that.

i do not know the technical definition, but to my understanding someone has used my card fraudulently, the man from the bank said it was not technically fraud, but his technical definitions were not helping the situation so I just asked if and how I could go about getting my money back,

REPORT TO THE MONEY LAUNDERING REPORTING OFFICER!

A 20-point multiple choice annual test is the answer to complying with their obligations. One that you can retake as many times as you like until you pass. Oh, and the answer to every question is:

REPORT TO THE MONEY LAUNDERING REPORTING OFFICER!

or

It's your fault. You're gonna be done by the rozzers, you scum.

Ombudsman type people might be good friends right now.

Jesus H. Really sorry to hear of all that Mimi (I've not had a lot of time recently to read a lot of the forum, but all this doesn't sound like much fun at all). A thought occurs - I don't think anyone here would begrudge you adding a tiny 'Paypal donate' link in your sig, so everyone can do a sort of cyber-whip-round. It's the sort of thing that would happen in non-internet (what's the correct term for everything that isn't the internet?) without the recipient knowing until they get given a card, but wouldn't work here (and you'd be forgiven right now for being wary of anyone saying "hey, what's your Paypal email address again? Why? No reason, erm, look over there"). It wouldn't necessarily cover everything lost, but enough to buy something shiny and at the same time act as a sort of Mimi's Faith In Human Nature Restoration Fund.

Just a thought, anyway.

That sounds very similar to our training. If they wanted people to take it more seriously they shouldn't have said that a complete defence to any of the offences was just to REPORT TO THE MONEY LAUNDERING REPORTING OFFICER. Accountants' firms apparently make something like 20 reports a day to SOCA, "just in case", like.

It's a nice thought Mark X, and thankyou, but it isn't necessary. I have borrowed some money from my nan (long term borrowed, as she won't accept it back in the future) and I'd find it hard to access my paypal accpunt at the moment even if that weren't the case, as my cards have all been cancelled due to the (it's not really called) fraud.

Either way I have some cash, I still have my train ticket back to Lancaster safe and sound, so I'll be back on my feet soon enough.

my cousn even bought around a box o food. Ever tried Heinz baked beans with sausages? TIP: don't.

If anyone really feels the need to fund additional meeming, buy a zombies DS case or Pea business card holder. Both my examples of above are doing sterling work.

Hmm. Is it just me or is the tyrannosaur making the stegosaurus rather happy?

Good call.

This is rotten - sorry to hear about it Mimi. I hope your luck changes for the better very soon.

I need hugs the most, and they are free to give

noooooo! Oh no, now I will always see that when I sew them!

Honestly, you guys really do have one track minds.

I will pay extreme amounts of money (well, reasonable amounts at least), if you create a giraffe themed DS case. Pleeeeeease.

raffe case? My friend loves raffes too, and she has a peanut inside her now.

I will make a raffe case.

raffes.

Woohoo!

Did you kill a black cat sometime this last week Meems? Shitty news. *hugs and stuff*

Yup, I stabbed it with a piece of recently broken mirror, but it scarpered and I had to chase it under a ladder in the rain, and before I realised it had run into the house and there I was with my umbrella still open...

You forgot, 'and I trod on every crack in the pavement'...

Foul-mouthed and horrible to animals. Eh, I dunno, Mimi — you've changed.

I know. The incident would have been even worse than that if I could have thought of some other superstitious clichés, but I ran out.

The delivery costs are murder though.

Just pop it on the 112 and I'll meet it at the other end.

Can you believe it?

I have had this pre-ordered for nearly a year. Didn't think it would ever come out.

Jut got this email:


Of COURSE it would be released the day after all my debit card details are nicked, of COURSE!

un-be-lieve-a-ble.

AAARRRRRRRGGGHHHHHHHH!!!!!

Don't worry Mimi - your bad luck has to run out at some point.. it just has to.

Boooooooooo to stupid banks and even more stupid thieves.

LOOK:

Maybe I am just a bottomless pit of barely tapped misery.

I think you're more like a lode of gold. Most of the time its nice sparkly stuff that's very valuable, but occasionally you hit a section of impure shite that needs mining out before you can return to the sparkly stuff. Aren't I profound?