Well, how many of you have been the victim of ID fraud. Or more to the point, the victim of the security in place to prevent ID fraud. It has just happened to me and now I find myself in Budapest unable to withdraw money from my bank account.
Yes, in their wisdom, the bank has decided that no one could possibly withdraw money out of their account over 6 days in three different cities( Prague, Bratislava and Budapest). If I was taking out large amounts I would understand but I have made three withdrawals equal to less than 100.00 (pounds Stirling) and now my card is "Temporarily Unavailable". Normally not an issue but it went down on Saturday and being a bank holiday Monday, chances are, I won't be up and running again until Tuesday at the earliest. Thankfully I'm well versed in the art of travelling on a budget but I'm fored to get cash on my credit card with the "cash advance" charges that come with it. I understand why the banks do it but I just had to have a gripe and say NOT HAPPY JAN.
Hope u have a good new years eve, anyway, and lots of people buy u drinks.
I had a situation, once or twice, where i could not get any money. Once in Mexico, when a person in a money changing booth decided that my signature is not my signature.
And once in Dublin, on a Firday night. The bank machine swallowed my bank card, and the banks in Ireland dont open on weekends. It was particularly annoying, because that evening my sister also had no money, and was expecting to borrow some off me. That left me with 2 pounds, for the weekend and my sister with no money to loan me more. The bank person told me the next Monday, that the machine had swallowed my card, because this is what they do, if customers do not come into the bank now and again. Huh!!!!?????
Thanks Mel, it is always nice to know you aren't alone when things go wrong. I'm lucky enough to be in a fun hostel and the owner is plying us with Mulled wine at the moment so things are looking up.
You have a good New Year also
with one of my banks, i used my card in 4 citys in 8 days buying stuff over 3k euro in each city...a block was put on my card due to 'fraud alert' me phoned bank, not happy when i was trying to buy a laptop...me face went red when my card was rejected! anyway, bank confirmed all my transactions and lifted the block!
ive had identity fraud used against me, more to the point of some spanish (prick) to get a job in a company, cos he had no id papers / passport and this guy got hold of my passport.
ID fraud is clos to happening...would almost use the word common as its so easy to do.
in the event of losing all your bank cards / stolen / fraud etc...
just have friends / family wire money over vis western union! you can get it same day!
also if you have a visa card...then your credit company will send out an emergency card within 24 hours by courier and book you into a hotel etc (all part of card protection) they look after you basically! i walked into a bank without any id, said who i was and my bank gave me 500 quid cash...that was with american express! and they dumped me in a hotel too! and they never asked for the cash back or anything...
so always have a credit card! even if you dont like them!
Must be more going on with my card than I realise. They confirmed the transactions but still wouldn't lift the block, said they havd to cancel the card. I shall investigate when I get home.
I have a credit card and as much as it hurts, I'm having to use it. The goods news from this experience, I'm not spending money on rubbish I don't really need. I will go home with a backpack as light as it was when I left.
I note what you say and I might look to getting and Amex before I do a three month trip across Russia and China later this year, just to be safe.
if they still wont unfreeze your account then yah its something else, like your original theory...fraud...
i think when fraud is certain then the account must be frozen completly, frozen to the extent that once that button is hit on there keyboard then they cant unfreeze the account!
this is when a new account needs to be created, new account num, new sort code, new security, new cards etc...a big pain in da butt! but hey if you got money in another account then you appreciate the bank in what they are doing! the more incoveinance that they cause for you the more work they have to do themselves...
banks have certain procedures that they must go by, even if it just seems like crap to you and me there normally is a good reason behind it all.
when you confirmed the transactions, they obviously read out every trasaction with you over the phone yah? how much you bought on a certain day, date, time etc...how much in account etc...and where...etc
i think the give away is that you mention about citys that you have not been in were your card is obviously appearing up on there systems?
but you still have your cards right?...
then i assume that your card got scanned at a dodgy atm link...
its not nice to own a credit card...but look...its saving your ass now
Found out in early December that someone for the last 2 months had been buying things and putting it on my credit card.
Ive been away from England since 1st May and the card has been in my wallet still to this day.However the transactions have been taken out in England.
Even worse is my bank are hopeless in dealing with the problem and say it will take 3 weeks to get a new card.
Not bad considering i can send something from Argentina to England and it takes 7 days.
I guess I should count myself lucky. No money has been charged against me. I'm just inconvenienced. Thankfully I'm good at budgeting and with a week to go on this trip, I think I will be able to make with the cash I have. If nothing else, I have stopped wasting money and thing I don't need. I often eat more than I need to when I travel as I like to try all of the local delicacies. I have been very controlled, eating from supermarkets and cheap market food.
yeah!...never let some -snip- stop you from enjoying yourself!
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