Thought Id start this one going because its rather dead on this board at the moment and I suppose all my usual muckers are either at the Stella tennis event watching Dim Tim (lose again) or at Henly Regatta eating cucumber sandwiches (they wish,...NOT).

Anyway please feel free to just talk to yourself blast away and let it go on any company or subject you wish. Just wish Id thought of this one before.

cheers GF.

Visa / MasterCard FRAUD

Just a heads up for everyone regarding the latest in Visa fraud. Royal Bank received this communication about the newest scam. This is happening in southern Alberta right now and moving.

This one is pretty slick since they provide YOU with all the information, except the one piece they want..

Note, the callers do not ask for your card number; they already have it.

This information is worth reading. The scam works like this:

Person calling says - 'This is (name), and I'm calling from the Security and Fraud Department at VISA. My Badge number is 12460, Your card has been flagged for an unusual purchase pattern, and I'm calling to verify. This would be on your VISA card which was issued by (name of bank). Did you purchase an Anti-Telemarketing Device for $497.99 from a marketing company based in Arizona ?' When you say 'No', the caller continues with, 'Then we will be issuing a credit to your account. This is a company we have been watching and the charges range from $297 to $497, just under the $500 purchase pattern that flags most cards. Before your next statement, the credit will be sent to (gives you your address), is that correct?' You say 'yes'.

The caller continues - 'I will be starting a Fraud Investigation. If you have any questions, you should call the 1- 800 number listed on the back of your card (1-800-VISA) and ask for Security. You will need to refer to this Control Number. The caller then gives you a 6 digit number. 'Do you need me to read it again?'

Here's the IMPORTANT part on how the scam works - The caller then says, 'I need to verify you are in possession of your card'. He'll ask you to 'turn your card over and look for some numbers'. There are 7 numbers; the first 4 are part of your card number, the last 3 are the Security Numbers that verify you are the possessor of the card. These are the numbers you sometimes use to make Internet purchases to prove you have the card. The caller will ask you to read the last 3 numbers to him. After you tell the caller the 3 numbers, he'll say, 'That is correct, I just needed to verify that the card has not been lost or stolen, and that you still have your card. Do you have any other questions?'

After you say no, the caller then thanks you and states, 'Don't hesitate to call back if you do', and hangs up. You actually say very little, and they never ask for or tell you the card number.
On contacting the REAL VISA Security Department told us it was a scam and in the last 15 minutes a new purchase of $497.99 was charged to our card. We made a real fraud report and closed the VISA account. VISA is reissuing us a new number. What the scammers want is the 3-digit PIN number on the back of the card. Don't give it to them. Instead, tell them you'll call VISA or Master Card directly for verification of their conversation..

The real VISA told us that they will never ask for anything on the card as they already know the information since they issued the card! If you give the scammers your 3 Digit PIN Number, you think you're receiving a credit; however, by the time you get your statement you'll see charges for purchases you didn't make, and by then it's almost too late and/or more difficult to actually file a fraud report.

MasterCard' are subject to an indentical scam, with a word-for-word repeat of the VISA Scam.
The police said they are taking several of these reports daily! It appears that this is a very active scam, and evidently quite successful.

I have a password which i have to type in before a online order is completed.

Hi Aldwick,

Same here, although it obviously would not help with telephone orders, although they could of course use a password for such orders.
In an average week, I receive about 3 e-mails that are clearly fraud. Those of the type, 'Urgent, you have xxxx waiting, must reply immediately' or 'security alert'.
I have often thought of replying as a wind up such as someone featured on TV a few days ago did, giving all false details but not sure if this would reap more of such e-mails.
Anyone any experience of winding up these rip off merchants?

GM, swamping such sites could work,just think of all the time and effort req to check out 10k,100k or even 1m e-mails and details.That against the few who actually fall for such scams?

A ref in general to commodity future demand.

http://www.bloomberg.com/video/67100110/

I get more like 3 a day rather than 3 a weel!

Oh dear! I wonder if this might mean the end of my 1% Egg Card cashback and also the '1 year extra warranty on electrical appliances' perk? And also, what might happen to that excellent little Egg computer product, 'Your Money'?

Barclaycard to buy 1.15 million Egg customers
Helen Knapman
News Reporter
1 March 2011

More than one million Egg credit card holders will become Barclaycard customers later this year.

Banking giant Barclays today announced it has struck a deal to acquire all Egg's 1.15 million credit card users.

The switch to Barclays's plastic arm, Barclaycard, which is subject to regulatory approval, follows an agreement with Egg owner Citi.

Anyone with an Egg Card or Egg Money card will be sent a Barclaycard when the roll-out begins in November.

However, spokespeople from both Barclaycard and Egg say it is too early to determine what credit cards and deals will be offered to them.

The fear is Egg Money customers may lose the 1% cashback payment plus a year's extended warranty on electrical goods they currently get.

A Citi spokesman says: "Citi is committed to working with Barclays on a seamless transfer of the customer accounts, ensuring continuation of the high level of service to which customers are accustomed."

The credit card portfolio is the largest part of Egg, which opened for business in 1998 as one of the UK's first internet-only banks.

Other Egg customers with savings, insurance, loan and mortgages products are unaffected.

From the Egg site;

Sale of Egg credit cards

I hear you've sold all your credit cards to Barclays. What does that mean for me?

Barclays has bought all of our credit card accounts. We anticipate that by May 2011, you will become a Barclaycard customer and you will receive a new Barclaycard later this year. As we get closer to transferring your account, Barclaycard will be in contact with you. Until then nothing will change as a result of the sale - Egg will continue to manage your account in accordance with your current terms and conditions, relevant regulations and prudent lending principles.

While you continue to have an Egg card your account will remain the same. As we get closer to transferring your account, Barclaycard will write to you, explaining what will happen and how to continue to service your account.

We will work closely with Barclaycard to ensure a smooth transition.

I heard unofficially that the government may announce a u turn on EMA next week. It is not in the public domain as yet. It is the result of lobbying by Liberal backbenchers.

They have changed their "minds?" on nearly everything they promised so far. Why not EMA.

The Arthur Daley and and Delboy government is galloping from one ill thought out policy to another.

Remember the promises on Law and Order NHS.

If the idiots go into Libya I hope our brave souls Dave, Cleg and Del boy are in the front line.

What really happened when Elton John and David Furnish decided to have a baby.


They had their sperm mixed together and had a surrogate mother artificially inseminated with it.

When the baby was born Elton and David were waiting at the hospital.

They were ushered into a ward where a dozen babies were lying in their cots - eleven of whom were crying and screaming. Over in the corner, one baby was smiling serenely.

A nurse came over to both of them and indicated that the happy child was theirs.

"Isn't it wonderful?" Elton said to David. "All these unhappy babies... and yet our baby is so happy. This just proves the superiority of gay love!"

The nurse said, "Oh sure, he's looking happy now, but just watch what happens when I pull the thermometer out of his arse."

This_is_me,

I have reported you to the Gay Police for such a bum joke.

LOL

Good result from the Barnsley!

"Barnsley Central election result: Labour victory as Lib Dems and Tories humiliated by UKIP"


http://www.google.co.uk/search?hl=&q=barnsley+central+by+election&sourceid=navclient-ff&rlz=1B3WZPB_enGB336GB336&ie=UTF-8#q=barnsle



No waiting for usual response.

Bye election,

Reaction against the "ruling" party.

Tory and Lib sob stories.

The Libs must be happy with their prime minister Clegg.

Oh, forgot the usual one "low turnout".

It seems many old "tories" absconded to the UKIP to the party.

Wishy and washy have done well.

A lot of worried Libs this morning methinks.

I think Clegg is buying body armour.

Mind Cameron will have to watch it, as I have heard Farage is being "toted" as the next tory leader, with Cash as his hard man.

So, Labour managed to hang on to a seat they've held since 1935. Wow. And the usual bye election anti-Govermnet protest vote went to UKIP. Amazing. *yawn*

I have two large cardboard box's filled up with contract notes from my broker , what do you do with them ? is it alright to shred them after a few weeks. Do brokers have to send them by law/rules or can they just email them ? it would be easy to save them if you had them by email.

No, dear, the taxman won't charge daddy less now but a man listening to the radio is coming round to punch you in the face.