Hi, people really need to take note here about UPI. Recently my mum received a call from her bank, Lloyds TSB, fraud dept, saying there had been various transactions, one from india, on her card and they wanted to confirm that she hadn't made them. We had no idea where someone could have got mums bank details from. However, mum remembered today being called by someone from UPI who said they were reclaiming bank charges from Lloyds TSB and wanted to confirm her bank details. Unfortunately mum confirmed them with them, including the 3 digit security number. They did send a pack out, but mum never completed anything. The next thing she knows is that £49.99 was taken from her bank account. She rang them and they did refund it eventually. It just appears very odd that this is the only time we know of that mum has confirmed her bank details with anyone, and now her card has been used fraudulently. Also coincidence the UPI operative was asian and the transaction was done in india. Be very aware, they are obviously linked and we have reported all this to Lloyds TSB fraud dept.