Just after I wrote that post about how nothing every happens, and I totally don’t have anything to write about any more, woe!, woe!, the bank called to let me know The Others have stolen my debit card details (again!), and have been using them to try to order takeaway for themselves.

Um, that wasn’t QUITE the kind of thing I had in mind when I said I was looking for something to blog about, universe. I mean, SERIOUSLY. LEAVE MAH MONEY ALONE, OTHERS. I need it for the skirts and the dresses and, well, THE SHOES.

Luckily for me, the transaction in question was declined by the bank, so The Others didn’t actually get any of my money. Ha! Take that, Others! My card, however, has had to be cancelled to make sure they can’t buy anything else with it, so now I have no money unless I drive to the bank in person to collect it, and I mean, AS IF. I’ll just sit here in my house and complain to the internets while I wait on the new card to arrive, thanks,

This is now the second time this has happened to me, the first time being a couple of years ago, when the last day of my vacation was spent on the phone to the bank trying to convince them that as I was in America at the time, I couldn’t possibly have taken a £200 cab ride in London. No, really. Since then I’ve been super-paranoid about identity theft and all that jazz: I signed up to a service which allows me to obsessively check my credit score and make sure no one is applying for a mortgage in my name, I check my bank account on the regular for suspicious activity, I… actually, that’s pretty much it, to be honest. Well, I don’t want it to become A Thing, you know?

The last time this happened, we suspected the card details had been ripped off from a dodgy ATM. “No problem!” I thought, “I’ll just never use another ATM in my life, ever.” And I probably could’ve done it, too, because, like the Queen, I never carry cash. I’m sure I’ve said this before, but I’m one of those annoying people who pays for everything by card, and I’m happy to keep it that way. I did, however, withdraw some cash at the cinema a couple of weeks ago, so I GUESS it could’ve happened there. I would be surprised, though, because that ATM is in a really busy mall, so it would be difficult to rig it (Or, you know, whatever it is you call it when you put something into an ATM in order to rip off people’s card details). Wait a second, who am I kidding? I wouldn’t be surprised at all. Nothing The Others do surprises me. Actually trying to steal my money is a new low (Well, an old low, given that they’ve done it before), though, even for them, and I don’t care HOW tasty that takeaway looked, there is no excuse. If I’m paying for fast food, I better be getting to eat it, dammit. Wow, I could really fancy some takeaway around about now, actually.

Anyway, it looks like I’m going to be on a temporary spending ban until my replacement card arrives, so if any fashion retailers go out of business in the next week, you’ll know why. I’m also kicking myself, because when that nice man at the bank read me the list of “suspicious” transactions, starting with the words, “And there’s a payment to – was THAT you?” I should just have denied all knowledge. You always think of these things too late, don’t you?

  1. This happened to me last year with a credit card, only the credit card company weren’t too sharp at picking it up. As a result, £15k of supermarket shopping I hadn’t done was soon on my card (it was the supermarket that actually picked it up or it would have been more). I wasn’t best pleased with the lack of security as it was a credit card I kept for emergencies and had literally never used – the credit told me often the fraudsters are just trying random combinations to see if they get lucky.

    1. OMG! I’m mostly just amazed someone managed to spend that much at a supermarket! I mean, if it was a shoe store, maybe…. Hope you got it sorted out OK: I remember the last time it happened to me it was a bit of a pain trying to convince them it wasn’t me!

      1. It was sorted out fairly quickly, I imagine because I just kept calling them and was quite stern when it came to pointing out that they had continued to approve transactions beyond the credit limit! I have a feeling someone somewhere has a ton of plasma tvs from Sainsburys thanks to my card…

        1. Ah, of course – for some reason it totally slipped my mind that supermarkets sell electronics etc! I was imagining someone taking delivery of £15K worth of groceries: I mean, where would you even put it all?!

          1. I’m thinking underground nuclear shelter that’s being stocked to survive the apocalypse. Or someone with a really big fridge!

  2. It is crazy how prevalent this is now. My sister had her identity stolen and it was an ongoing nightmare with the bank, in fact everywhere for almost 2 years. It was awful. Plus they even knew the people that did it but still couldn’t put them in jail. Ridiculous.

    You are lucky they caught it straight away. These kind of things make you feel so vulnerable and jaded afterwards.

    BTW…the take-out was great.

    oops…should I have mentioned that?


  3. Poo! That’s happened to me before too. The banks are never in too much if a hurry to issue you with a new card though!

  4. Mine was on a credit card and I’d apparently spent around £1500 on some flights! They never said where to, wish I’d asked now.

    I think sometimes they do a small amount first (mine had around £1.50 for some smoothie/drinks place that I’ve never heard of (and I hate smoothies!)) as their tester transaction then the following day it was the biggie. The gits. Fortunately it was the card company who rang me and it was all sorted etc. But you do feel vunerable for a few days…..then the desire for the next must have item gets too much and you forget! LOL!!

    1. Yeah, the last time it happened it was lots of smaller amounts, and the bank told me they would’ve been testing the card before trying to use it for something else. I thought it was all dealt with yesterday, but this morning I’ve just had another automated call from them listing yet MORE transactions which I don’t recognise (no idea how that could happen as the card should be cancelled now) and telling me the one they said had been rejected had now been approved! GAH! I waited on hold for ten minutes only to get disconnected with a message saying they’d call back: meanwhile I’ve now discovered I can’t access my online banking for some reason, so I’m kind of freaking out!

    1. Ha, tell me about it! Any time I drive somewhere I have to ransack the entire house first searching for change to pay for parking: I really should start keeping SOME cash for stuff like that! Also very embarrass when the window cleaner turns up unexpectedly and I have to tell him I don’t have any cash in the house!

  5. I am so sorry! Have you checked to see if you have used any new/not trustworthy payment engine on the internet? I definitely think mall ATMs get a lot of upkeep exactly to prevent that from happening.

    On the bright side, your card was not swallowed by a dodgy ATM in Morocco, like it happened to my boyfriend’s parents! Small blessings? :p

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