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O2 UK LTD (PREPAY) scam...


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Check your bank accounts carefully for unknown transactions...

 

I had two transactions totalling £30 taken from my account by O2 UK LTD (PREPAY). I have never had a phone with O2 and I dont know anyone who does.

 

Called my bank straight away...they cancelled my card etc...have since had a letter saying that it's not fraudulent and probably that someone known to me took my card and replaced it (no way this could have happened).

 

I now have to write an appeal letter to say that I did not carry out those transactions and no one else took my card. In the mean time, the transactions have caused me to go overdrawn so I'm in a bit of a viscious circle here :/

 

They want me to send evidence...anyone got any ideas of what I can send them as proof?

 

cheers

Halifax

 

S.A.R - (Subject Access Request) sent - 30/1/2007

Prelim letter sent asking for total of 1571.52 - 15/3/2007

LBA sent 30/3/2007

court papers filed

Offer letter received - £1495.13

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I find it rather strange that you have to prove that you did nothing wrong rather than the bank having to prove that you did. Can you ask the bank what evidence they have tp support their accusation that the transaction was not fraudulent. Similarly what makes them think that someone else took your card; proof please. You could perhaps suggest that it was one of their staff who perpetuated the fraud. You have as much proof of that as they do of someone else using your card.

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I'm assuming this is a DEBIT card issue?

 

It is up to your bank to provide YOU with evidence, but ONLY if they refuse your claim to be reimbursed. The most common non-fraud issue is when people set up topp-ing up from a card, they may enter an incorrect number (yours) and it just happens to be valid. Customer not Present transactions (with no PIN) are often reversed without problem. It is when your PIN IS used, the problems really arise!

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I'm assuming this is a DEBIT card issue?

 

It is up to your bank to provide YOU with evidence, but ONLY if they refuse your claim to be reimbursed. The most common non-fraud issue is when people set up topp-ing up from a card, they may enter an incorrect number (yours) and it just happens to be valid. Customer not Present transactions (with no PIN) are often reversed without problem. It is when your PIN IS used, the problems really arise!

 

It couldn't be a simple mis-typed number.

 

Whilst the first digit on a card relates to the card type (3 - Amex; 4 - Visa; 5 = Mastercard) and the next three identify the issuer, the last 12 have to conform to an algorithm (Luhn algorithm) that places a checksum number in the account number. You cannot change one number and still have a valid card number.

 

IOW, 4929 1234 5678 9012, may or not be a valid number (I don't know).

4 means it is Visa

929 means Barclaycard

1235 5678 9012 is the account number. If this were a valid card, changing any single digit will produce an invalid number (ie there is not a 1234 5678 9013)

 

As an aside, VAT numbers have to conform to an algorithm as well.

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It couldn't be a simple mis-typed number

 

It can if there is a transposition - which was when I discovered it was possible, even when the CVV code was used. There was no referral, the payment was made and I had a call 48 hours later to confirm. Whilst my mis-remembering was an innocent mistake, it remains concievable that others could find themselves in the same situation.

 

As for the algorithms, I'm sure you are aware it is possible to utilise software that can generate these numbers (that will pass such check calculations) yet still NOT be a valid card account or VAT number?

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It couldn't be a simple mis-typed number.

 

Whilst the first digit on a card relates to the card type (3 - Amex; 4 - Visa; 5 = Mastercard) and the next three identify the issuer, the last 12 have to conform to an algorithm (Luhn algorithm) that places a checksum number in the account number. You cannot change one number and still have a valid card number.

 

IOW, 4929 1234 5678 9012, may or not be a valid number (I don't know).

4 means it is Visa

929 means Barclaycard

1235 5678 9012 is the account number. If this were a valid card, changing any single digit will produce an invalid number (ie there is not a 1234 5678 9013)

 

As an aside, VAT numbers have to conform to an algorithm as well.

 

Your on the right lines but the first 6 numbers on the card is the bin number (bank identification number) 4929 is only part of a Barclaycard visa card.

 

There is more then 9000 card issuers in the world.

 

VISA issue a big directory with BANK bin numbers.

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I seem to have been one of the latest victims of this [problem]. Noticed an odd payment on bank statement (luckily I do check it regularly) and after looking into it, and finding your threads, I have had to cancel my debit card for the 2nd time this year. Someone had been withdrawing money previously in Sri Lanka!!.

 

Anyway, I have also e mailed O2 and asked them to look into it from their end. Seems to have been going on for a long time.

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  • 4 weeks later...

I received a text message today from O2 UK ltd informing me of a transaction of £15 being put on my credit card, only problem being - I don't even have a credit card?

 

From all of the things i've found overe the internet of this [problem] it has been taken from legitimate accounts, does this mean someone has opened a credit card in my name/with my address etc?? and then someone has cloned it?

 

Spoke to the police earlier too and they told me just to be vigilant?

 

What can i do?

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Nothing. It is a spoof.

 

Anyone can send a text message pretending to be anyone else - the giveaway is that it will have a 'normal' mobile number as the sender, which contrasts with a shortcode or no number whatsoever for netwtwork messages. Unfortunately, O2 also offer a direct input facility, so anyone with a computer can send bulk messages to mobile users of any network, without the tell-tale sender mobile number, so it's not a good guide, but at the end of the day, if you don;t have a creit card you've nothing t oworry about.

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Just had the same scan on monday. Two separate £15 top ups on visa. I have no o2 products and don't know anybody who has. Seems to have been going on for years, can't understand why they don't tighten things up. Bank is refunding money - I don't know if o2 still benefit? Only seem to have happened since I had a visa debit card.

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Thanks, geerbault.

 

I have a debit visa card, too. The only time I use my PIN is when I withdraw cash from the ATM. In the past few years I have paid in cash for goods & services (to avoid card being skimmed) except when I order goods online from Amazon or a monthly recurring charge for broadband (Virgin). Therefore, I am at a loss as to how the fraudsters got hold of my card details.

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Hi there,

 

The same thing has happened to me, just noticed it a few mins ago.

 

2 seperate transactions from o2 UK LTD (prepay), but my bank was great about it to be honest, just called them up and everythings done, ofcourse the inconvenience of not having a card, but should have a new one in '5 working days'.

 

Lloyds rocks,

 

Just like to thank and encourage other people who experience this to write it up, its a bit surprising that a fraud like this has been around for as long as it has.

 

How is it that someone can do this fraud continuously for the last 3 years...?

 

Sal.

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  • 1 month later...

i have been charged by 2 different companies £30.00 from my bank account o2 uk ltd prepay and also t-mobile uk both for £30.00. someone has also been shopping at Jake Shoes for £101.99 when logged on the site is having maintainence work and am waiting for another sum of £210 and £134 to where i do not know, which the bank cannot stop as it has already been authorised.

 

My bank had already refunded the £30.00 for o2 and T mobile and am just waiting for the fraud investigation team to look into the other £400 odd pound that has now been taken out of my account to. i am just wondering they were internet transactions and am panicing weather these people now have my address for billing references to link the card to enable the transactions to go through. :mad::?:?

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i have been charged by 2 different companies £30.00 from my bank account o2 uk ltd prepay and also t-mobile uk both for £30.00. someone has also been shopping at Jake Shoes for £101.99 when logged on the site is having maintainence work and am waiting for another sum of £210 and £134 to where i do not know, which the bank cannot stop as it has already been authorised.

 

My bank had already refunded the £30.00 for o2 and T mobile and am just waiting for the fraud investigation team to look into the other £400 odd pound that has now been taken out of my account to. i am just wondering they were internet transactions and am panicing weather these people now have my address for billing references to link the card to enable the transactions to go through. :mad::?:?

 

Im guessing the bank have canceled your card and issued you with a new card number?

 

Its a bit tricky to say how they got your card number but have you used the card in any restaurants, petrol stations or even over the phone?

 

The first 2 places have always been well known for compromising a card number.

 

With CNP transactions (card holder not present, mail order, internet) not all places take the last 3 numbers at the back of the card. Some places do some don't.

 

I do know that the bank I used to work for ( I used to work in fraud) used to either write off the fraud and refund the card holder or in some cases they where able to issue a charge back to the merchant.

 

I personally think from my experience that theres a 99% chance that they have not got your address.

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It just doesn't make sense!! the message was sent to my work mobile which is on an O2 network. This is good in a way i guess as they have no personal details of mine only the companys!! but still worrying all the same...

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