I've got a much better idea B, how about I give you a tenner for a blow job, then you buy the drinks? :smug:
lhk
Kat
Blue, if it gives you any consolation... the merchant is usually the one who pays for credit card fraud. Once its been proven as fraud he is the one that gives you the money, so virgin will via your bank be giving you the £139, and the numpty will get a free phone.
I reduce the risk of this sort of thing by having credit card insurance (its advertised in with your statement for £10 a year)... it gives you various bits of cover including free cash advance and next day card replacement... but the important bit is you will never have to pay a penny of the fraudulent transaction, so no arguing with the bank, and they can cancel all your cards with one call.
I have also requested a really low withdrawal limit on by debit card (£100), so that a lot less damage can be done with it... I never need that much real cash in a day so its no inconvinience.
I pay for everything on credit card, so that if the details are skimmed the money is going to my credit card, not from my bank account. That way I will never be defaulting on my bills or without cash because some sod drained my account.
As always be careful with cash machines to make sure there is no skimming device on the card slot.
If possible use a credit card... the consumer credit act gives you far more protection on fraud than you get with a bank cash card (or visa debit card).
Oh if you have a contract mobile phone insure that too. I know people who are still paying off £100's in calls made on their stolen mobile. And with standard agreements you have to pay for calls run up before its barred. Again asking for a low credit limit helps but they don't always implement the limit right away.
Just my 2p worth
The website the little thief bought he phone from should log their IP address thereby they will have all the information to hand when the bank cuffs them around the ear to give them the money back. So with said info they can pass this onto the old bill so they can do the neccessary.
I take it this person must have seen both front and rear of the card to get the 3-digit security number on the back?and able to write it down quickly.
Blue has this card left your sight? eg at a restaurant when you gave the waiter/waitress it to pay for a meal?
This used to be a ploy by a certain indian restaurant in Brum who's dodgy waiters used to save CC numbers to go on spending spree's.
nope twas a balti house in sparkbrook
They have them delivered to "drop" addresses.
i think either way they bough it the fact is the chances are this is someone you know quite well, either a good friend or a family member cause, be honest, would you leave your wallet laying around for long enough for someone to used your bank card with someone you didn't feel you could trust?
And i think that would bother me more than the money going missing to be hoesnt
If Virgin had their act together, they could trace the phone by using it's IMEI number and tell the police fairly accurately where it is next time it's used. Sadly, I don't think Virgin do have thier act together.
:evil: :evil: 
:x :x 
:lol:
Kaz takes her foot out of her mouth, quickly deletes post and begs for blues forgiveness :lol: :lol: 
