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Author They say never judge or discriminate on appearance but always trust your gut (debit card fraud)
SetH
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Registered: 15th Jul 01
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30th Mar 19 at 13:50   View User's Profile U2U Member Reply With Quote

So on Thursday I see a 3 series coupe turn up outside my house, It's white has the 19" LCI wheels on it. I can only see the side profile of the car but I expect it is a 2010 - 2012 E92. First piece of evidence.

Anyway. I am about to describe the driver that emerged. Do I stay PC here or do I just let rip with what I thought at the time and even more so now?

I am going with the latter.

So...

Out steps a fucking skinny nigger, black as the sun, like a gollywog. He has one of those long bandana things on his head, like what you see in the Bronx. I have never actually seen anyone wearing one outside of TV. He is a skinny cunt, like a Somalian. I was actually in the middle of some paperwork in my home office upstairs (I am looking down at the drive from the window), he did not have a package in his hand so I could not be arsed to open the door.

He slopes off towards his car and he looks up at the office window, not sure if he sees me as he quickly looks away but there was something very sly about that look. Sorry, not sorry he looked like a fucking dodgy up to no good NIGGA.

So he appears to drive off, curiosity gets the better of me. Did he leave a note or a letter maybe that i did not spot? I go and open up the front door then he reappears on the driveway this time wearing a hi-vis jacket. He says that he is a DPD driver and he accidentally left a 'calling card' this morning and that it's the wrong house. I tell him that nothing has come through the letter box and he mutters to himself and says don't worry and leaves. His skinny black arse awkwardly fast walks off the drive way and he is gone.

I head back upstairs pretty much dismissing it as a non-event, even though something is bugging me. It did not feel quite right.

Fast forward to this Morning....

A letter arrives addressed to me. I open it up, it's a direct debit instruction for EE. I think WTF, I am an 02 and Vodafone customer. I carefully scrutinise the letter, it looks legitimate, has an EE account number and my bank details on it. I call up EE customer services and explain that I have received this letter and don't know a thing about it. They run through some security/fraud type stuff and say that they will close and blacklist the account. They suggest I report it to fraud action.

So I log into my mobile banking and can see that on Thursday morning there are two remote debit card transactions to EE. one for £100 and one for £10. Wish I had checked my bank account before I range EE but never mind.

So I start panicing a little, obviously my debit card details have been compromised but is this the start of identity fraud? I speak to Barclays and they cancel/block my card. They also refund the amount to my account which was good, I was expecting a drawn out process to get this back.

So, it suddenly hits me. The dodgy looking NIGGA from the hood with his weird ass bandanna thing must be connected to this no? Be one hell of a coincidence if not!

on that Morning I went to Tescos and bought some food items, paid with touchless. I made this transaction at 11:39, according to online banking the £10 transaction to EE was at 11:39 also. The transaction for £100 was on Friday at 126.

The visit from the COON was Thursday, probably around 12:30 - 130

So we have the makings of a sequence of events that kind of make sense but nothing conclusive.The dates/times don't follow the logic.

95% I never purchase anything online with my debit card. always credit cards, I have checked credit card accounts and they do not appear to be compromised, I will keep a close eye.

Was my card somehow cloned at Tesco? I don't know a lot about this sort of stuff, you hear rumours that people can intercept the signal between the card and card reader. However thinking about it, he obviously had my address.

I knew something was wrong as soon as I saw that cunt get out of his car. The PC Snowflake brigade would probably go apeshit at how I describe this cunt but I think its highly likely my gut feeling was right.

They wonder why they get stereotyped. I think It was a Gavin mcinness video I watched where he said there is a reason for that and that the statistics don't lie.

I really hope this is not the start of identify theft and just isolated to my debit card. Seems weird he turned up so quickly, following the logic surely he would arrive a few days after the transactions to pick up his new phone, pretending to be a DPD driver that left it at the wrong house in the process.

Anyone else gone through similar?

worth taking any precautionary steps?
BarnshaW
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Registered: 25th Oct 06
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1st Apr 19 at 07:09   View User's Profile U2U Member Reply With Quote

definitely a case for CS and not the police/bank fraud team/
SetH
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Registered: 15th Jul 01
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1st Apr 19 at 10:08   View User's Profile U2U Member Reply With Quote

quote:
Originally posted by BarnshaW
definitely a case for CS and not the police/bank fraud team/


yes!

Gave the police a call on the non-emergency line, they did not want to know.

Bank/fraud team won't do jack.

There is a garage around the corner that has CCTV pointed at the road so would have captured the number plate of the skinny coon's shiny whip.

However in the absence of any hard evidence I think CS should make the judgement and I vote towards us putting white bedsheets on
Ian
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Registered: 28th Aug 99
Location: Liverpool
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2nd Apr 19 at 11:12   View Garage View User's Profile U2U Member Reply With Quote

Difficult to follow, can you summarise the noteworthy events without anyone being the captain now.
SetH
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Registered: 15th Jul 01
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2nd Apr 19 at 13:02   View User's Profile U2U Member Reply With Quote

It is a bit of a ramble reading back, I guess I like to tell a story.

THE FACTS

1) Random black man in a new york bronx bandana thing pulls up outside my house in a E92 BMW. I see him from my office. he knocks on my door. I don't answer (in the middle of something)

2) He drives away, I open the front door to see if anything was left. he then comes back onto my drive way wearing a high vis jacket and claims to be a DPD driver. Says that he accidentally left a missed delivery card at my house. I advise I did not receive a card and he apologies and leaves.

3) 2 days later I receive a letter from EE confirming a direct debit instruction. The letter lists an EE account number and my bank details.

4) I contact EE explaining my surprise at the letter, confirming I did not open an account with them. Straight away they cancel/blacklist the account and pass my details to their fraud department.

5) I check my current account and 2 remote debit card payments that I was not aware of have been made. one for £10 and one for £100

6) I contact my bank and inform them of these transactions. they cancel my debit card, refund the money and issue new debit card. passed on to their fraud department.

7) Today I receive my 1st bill from EE. Account opened with EE for a contract phone. Shows the following :

Max plan 100GB £93
GAN Iphone XS512GB Gold £1058.33

Bill is dated 29th March so assume it was already in the system to be mailed before I contacted EE last week.



[Edited on 02-04-2019 by SetH]
Ian
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Registered: 28th Aug 99
Location: Liverpool
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2nd Apr 19 at 14:00   View Garage View User's Profile U2U Member Reply With Quote

So basically you've an iPhone coming to your house that this guy is going to come back and ask for.

Good swizz.

Question now being whether he will turn back up asking for it.

Pics of after you've tied him up if so.
Jambo
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Registered: 8th Sep 01
Location: Maidenhead, Drives: VXR Arctic
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2nd Apr 19 at 14:18   View User's Profile U2U Member Reply With Quote

quote:
[ievents without anyone being the captain now.


FPMSL
Jambo
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Registered: 8th Sep 01
Location: Maidenhead, Drives: VXR Arctic
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2nd Apr 19 at 14:20   View User's Profile U2U Member Reply With Quote

Sounds like a scam SetH.

Used to get this with eBay. People would create a fake account with someone’s address, then go to said address on delivery day and hang around outside, basically sign for it and run off.

It sounds very much like what just happened to you. Card cloned, has to be delivered to your house. So they pop round to intercept.
SetH
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Registered: 15th Jul 01
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2nd Apr 19 at 16:02   View User's Profile U2U Member Reply With Quote

quote:
Originally posted by Ian
So basically you've an iPhone coming to your house that this guy is going to come back and ask for.

Good swizz.

Question now being whether he will turn back up asking for it.

Pics of after you've tied him up if so.


I don't think the order reached dispatch stage, I spoke to EE on Thursday and they cancelled everything.

What does not add up is that he turned up Thursday lunchtime. The £10 payment was made Thursday morning and the £100 payment was made on Friday morning, both to EE.

Logic dictates that I should have seen him after Friday as that would tie in with an expected delivery timescale no?

I have been watching other accounts closely, so far no signs of full on identity theft. hopefully it was just the debit card.

Guess I will have a credit search on my file and a foot print for the opening and closure of an unsecured loan with EE for just over a grand.
SetH
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Registered: 15th Jul 01
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2nd Apr 19 at 16:06   View User's Profile U2U Member Reply With Quote

quote:
Originally posted by Jambo
Sounds like a scam SetH.

Used to get this with eBay. People would create a fake account with someone’s address, then go to said address on delivery day and hang around outside, basically sign for it and run off.

It sounds very much like what just happened to you. Card cloned, has to be delivered to your house. So they pop round to intercept.


The local DPD driver knows me well, the skinny coon would have been in for a shock if he tried that.

Would love to know how my card details were compromised, I very rarely use my debit card online if at all these days.

He should be careful pulling that shit on the backward norfolk folk around here, being an isolated county it is still racist as fuck and skinny coons like him stand the risk of getting hanged. I know a few gypsy folk that would probably mash someone like him just for stepping on their property. Seriously though, if you saw the cunt.. fits a stereotype perfectly. There is a reason they get stereotyped, the statistics DO NOT lie.

 
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