credit card fraud

[tina1980]

A friend of mine had his Credit card reissued to his old address and was used by some one to happily swipe it for a nice huge amount at Courts !!!

The CC company did alert him to that and suggested later that a police case be logged .

I was suprised that in a place like singapore people do still have the brains to pull something like this - Is it just me ?

How are things like this dealt with in singapore ?

[ecureilx]

A friend of mine had his Credit card reissued to his old address and was used by some one to happily swipe it for a nice huge amount at Courts !!!

The CC company did alert him to that and suggested later that a police case be logged .

I was suprised that in a place like singapore people do still have the brains to pull something like this - Is it just me ?

How are things like this dealt with in singapore ?

Things like this are dealt by the police .. well, err .. as strict as possible ..

As for somebody happily swiping it in Courts - well, tell me which country doesn't have people tempted to help themselves, when opportunity knocks ??

Of course, the guy/girl who did it is gonna get caught as soon as the police acts ..

[BillyB]

Unfortunately this is common place in a lot of Countries. I think its unfair to point the finger at 'Singapore' as a whole. As ecureilx pointed out - there will always be temptation in any part of the world.

Your credit card company should cover this sort of thing and it's wise to follow up with the police to get a report that will enable the case to be processed.

[ksl]

A friend of mine had his Credit card reissued to his old address

So who's fault? The credit card company for not updating the address, or the person, who never informed the credit card company they had moved? which is it? The CC company did alert him to it, must be at fault if they had the new address! Shouldn't worry too much about it, it happens everywhere, just go through the routine of reporting

[ecureilx]

A friend of mine had his Credit card reissued to his old address

So who's fault? The credit card company for not updating the address, or the person, who never informed the credit card company they had moved? which is it? The CC company did alert him to it, must be at fault if they had the new address! Shouldn't worry too much about it, it happens everywhere, just go through the routine of reporting

Not to go into letting my imagination wild .. but, assuming it is the bank's fault, if the card user had enrolled for sms notification, he / she would have got an sms for the transaction - unless he / she opted out of it (or didn't update his / her mobile # to the bank)

And, a prudent person would, when shifting house, go to Singpost, pay up the little money - and do address redirection. Dicey, if the user just chose not to re-direct his / her address and thought that nothing important will come and then .. blame the bank ? in my opinion - not done ..

Everything in this world has this thing called 'due care', so, if you leave your wallet and then claim somebody stole it, well, the person who took it could always claim that it was 'lost and found' .. never mind what happens after that

[tina1980]

[/quote]
Everything in this world has this thing called 'due care', so, if you leave your wallet and then claim somebody stole it, well, the person who took it could always claim that it was 'lost and found' .. never mind what happens after that[/quote]

Well its something different if you loose your wallet and cash - Tough luck ! but how many of us would want to swipe a card ,which isnt yours, that just came in the mail ? -thats just asking for trouble !

[tina1980]

[/quote]

And, a prudent person would, when shifting house, go to Singpost, pay up the little money - and do address redirection. Dicey, if the user just chose not to re-direct his / her address and thought that nothing important will come and then .. blame the bank ? in my opinion - not done .. [/quote]

Well he is def not blaming the bank who were kind enough to alert him in the first place to a fraud charge! I mean I still get mails in my box for my house owner who moved away more than a year back and did his address change at singpost ! -doesnt work everytime i guess ! Well he got a report lodged and waiting !

[sundaymorningstaple]

And, a prudent person would, when shifting house, go to Singpost, pay up the little money - and do address redirection. Dicey, if the user just chose not to re-direct his / her address and thought that nothing important will come and then .. blame the bank ? in my opinion - not done ..

Well he is def not blaming the bank who were kind enough to alert him in the first place to a fraud charge! I mean I still get mails in my box for my house owner who moved away more than a year back and did his address change at singpost ! -doesnt work everytime i guess ! Well he got a report lodged and waiting !

If you are still getting his mails it's because he was too lazy to change the address. A mail redirection is only for a short period of time around 1 to 3 months only. This is to give the person time to contact all organizations (s)he deals with and change the address. Most people tend to forget lots of organizations, like school alumnus organizations (I still get one from the previous owner of my flat - which I bought 13 years ago). Old bank accounts with minimal balances in them, garbage mails from department stores that the previous owner once subscribed to and no longer goes there. People don't think about all of that stuff. Only the important stuff (most of the time) but some are just clueless, thinking, nevermind, the postoffice will always forward it. Don't work that way.

[ecureilx]

Well he is def not blaming the bank who were kind enough to alert him in the first place to a fraud charge! I mean I still get mails in my box for my house owner who moved away more than a year back and did his address change at singpost ! -doesnt work everytime i guess ! Well he got a report lodged and waiting !

That didn't come nice, in my posting I was referring to KSL's post .. no offence ....

Anyway, banks are pretty quick to change addresses, and it is normally about 2 weeks maximum, if you intimate by post, indicating the police strip/ic copy, and 1 week, if you walk into the bank.

And, well, the mailers you may get from banks one year later is those that were not changed, or from the mailing companies to whom the bank sold the addresses .. (cross marketing ?? )

Address change as Singpost - you need to pay, and charged on a monthly basis, and you need to give Singpost 3 to 5 days advance notice. .. and singpost doesnt' differentiate between K Michael and Kevin Michael - you got to fill in all the various names / combination as you have given to your bank

For me - lifting a wallet on the floor, and swiping a credit card - it makes no difference. when somebody is up on the ledge without money, or looking for some fast case with no clue of honesty, a lot of ideas can pop up (take the New Paper and you can get an idea of the options. . ) And enough of buyers are asking for credit card based cash back ..

SMS: The Singpost mail redirection can go for longer period, but the longer it is, the higher the cost is - like 1 month is 30$, 2 month is 70$ 3 month is 120$ or to that effect ..

Am a bit lazy to look up the mail redirection info at the singpost site ..

[ecureilx]

to think of it, I too know a guy, who cursed singpost for not forwarding his mails .. After all, Singpost is privately owned .. and is here to make $$$$$$

[JR8]

SMS: The Singpost mail redirection can go for longer period, but the longer it is, the higher the cost is - like 1 month is 30$, 2 month is 70$ 3 month is 120$ or to that effect ..
Am a bit lazy to look up the mail redirection info at the singpost site ..

Yes it does work like this (the longer you have it the more it costs per month) which is the reverse of how it works in most other countries. Plus, it it is damned expensive. Last time I needed it in SG I got it for 6 months, and I was stunned at the cost... something like $200-225!

AND believe it or not I think I only had one item of mail forwarded in all that time!

The trick if you know you're leaving in say 6+ months, is to start listing down all the mail you receive in that period. That way when you come to leave you can hit just about everyone with change of addresses in one go.