Get Out Of Debt

There is an advance of credit and debit card fraud being carried out  at ATM’s or cash point machines as they are more commonly known.  It is not only card fraud at machines but can also happen whem shopping for a pair of women’s shoes. How do you recognise if the ATM machine has been tampered with and by using it without being aware, you could end up being the next victim to  card fraud. The papers and associations promote us to protect our pin and keep it covered particularly when using your card at the cash point machines but are we aware of the best way to do this?  

Do you know if you cover your pin right? I am mostly more concerned about the people about me, who may be peering over my around me. Who is watching me so that as soon as I walk away from the cashpoint, are they going to follow me? I am normally more concerned about the area and who is nearby rather than the thought that the machine has been tampered with. Yes I couldn’t see them and wasn’t even mindful of anything.

There didn’t look to be anything different with this cash point machine  when I was buying my new pair of Vans women’s shoes, to all the others I had used. I entered my pin and made my request, but then my card was not given back, the machine had got stuck.

I’d never been in this situation and didn’t know what to do or how to get help.  I couldn’t abandon the machine as I had not got my card returned. The machine didn’t have a phone number to call for help. My card has a 24 hour helpline phone number but guess what, I can’t get to it because it is still in the machine.

I was trying to reach the card and retrieve it but just could not get hold of it. If you find yourself in this situation be on your guard that you could  become a victim and suffer a loss, A camera will have watched the keypad and recorded your pin number.  

It is probable that you have been watched and they now know your pin number unless you have hidden it. If you have a colleague with you or nearby, try and get their attention and ask for them to get assistance, find telephone numbers but ensure you do not move away from the cashpoint machine and it is left unattended. With your pin number and card these scammers are able to use it at other ATM’s and keep using it until they have reached the daily limit, [or] all the money is removed from the account or the bank cancel it and put a stop on its use.

Make sure that you or a friend, of course trustworthy friend, stay with the machine preventing it from any more use until you get your card back. Pull and twist around the area that your card slides into and see if there is anything strange or abnormal.   Does anything move a little or flick off?

This scam works by using an extra cover where you insert your card in and it will have an extra piece of card on to prevent your card from being returned to you.   You may wish to force your card back into the machine so it cannot be pulled out by anyone else and make you time to terminate your card.

Sometimes you can see some light shining at the top of the machine display which fools you to think this is lit up when in fact it is the recording part of the scam craftily hidden.    Take a look to see if you can see any cameras or little holes which could be watchingthe pin pad. This can be where the camera is concealed. A  very small camera or mobile phone camera can  easily be concealed to record your pin.

If you are stuck at the machine, then you may need to call and report your opinion to the police.    They could also be able to assist you to cancel your card.   

If you conscious of what to look for and how to protect yourself fully when using machine, you should be able to avoid this stress Check the machine for any signs of extra metal strips, out of the ordinary lights, a cover over the card insert place. Also the next best advice, is to make sure you cover the hand you are entering your pin with, by your other hand over the top horizontally. This is because, if there is any camera looking on to the keypad, they won’t be able to read your pin and if by opportunity they do get your card then they should be less likely to get your money!

Technorati Tags: card, Cashpoint, fraud, money

Check cashing fraud is rampant and has been very difficult for authorities to curtail. With the advancement of copy machines it is easy for a dishonest person to alter or create a check look-alike and then make copies that looks authentic. Counterfeit checks are typically used on ad sites, international Internet sales, or businesses that are based out of someone’s home for the most part.

When a vendor, or other unsuspecting individual, is given a check that exceeds the amount of a purchase, and they are asked to return the excess amount in cash, through a money wiring service such as Western Union, that is a clear indication that this is a circumstance of check cashing fraud. You’ll often see this disguised as an item for sale or a job that you perform from home.

The bank will usually not immediately identify this as a counterfeit check, and the criminal has long since spent your money before the scam is discovered. Since international funds often get held for a long while, you can deposit a number of checks and withdraw cash without anyone being the wiser until the week or so it takes to verify the check.

Those who defraud others using bank accounts are very creative when it comes to accessing information. When a money transfer is sent, the sender provides a great deal of personal information, including bank account information, which these perpetrators can later use to fabricate false forms of identification, or empty a victim’s bank account.

As we touched on earlier, these scam artists like to utilize work at home ads to lure their prey. One of these fake work at home jobs may require an individual to deposit international company checks, keep your payment of 10% for your pay, and send the rest of the cash back to the company. There are even those that label themselves after reputable businesses, such as WalMart, INC., which isn’t the proper name of that company. People often use Craigslist, Gadgets Ltd., and Careerbuilder.com to get access to these victims; if you use these sets, investigate a claim before you move forward.

Check fraud is the basis of a large number of scams that are now being conducted. One of the scams regarding check cashing has occurred with people being contacted and told they have won, or come into, a large amount of money. They then receive a cashier’s check or money order that’s supposed to be more than their allotted amount of money. They are asked to send back the difference through a wire transfer site immediately.

In check cashing scams what is happening is the scam artists are attempting to get the needed information from a bank in order to clean out the account and, in the meantime, talk the mark into providing cash in exchange for counterfeit checks. You can protect yourself from check cashing fraud by being able to identify people calling you through the use of telephone look up services such as cell-registry.com/229/359/, so that you can know who is behind that call or check.

There is an agency known as World Law Direct, who handle cases of international check cashing fraud, so if you fear that you may be a victim of this crime, you may contact this unit, but their response time may be up to several years. And, after waiting for justice, you will likely find that none of your money will be returned.

Technorati Tags: check chasing fraud, fraud, scams