theft of car and cards.

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pageweon

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Topic # 112843 23-Dec-2012 12:51

well, me and my wife had our car stolen earlier this week which was pretty terrible on its own, to make matters worse the wifes wallet was still in the car. the wallet has since been recovered (found by a lovely lady biking through redzone) only things missing were the credit card and a westfield voucher.

well we have now noticed 2 charges on the credit card.

1 $100 telecom prepaid voucher "telecom prepaid palmerston no nz"
2 $150 2 degrees prepaid voucher " 2 degrees mobile 0800022022 nz"

now the car was stolen somewhere after 7pm on the 18th of december and the credit card was reported stolen at roughly 7.50am on the 19th

now im hoping that we will be able to find out voucher numbers and maybe even phone numbers so that we can hand this over to the police, last thing before christmas we could possibly need.

any more information you may need please get in touch(eg credit card name etc)

On a side note, since the card was reported stolen shouldn't the bank have halted any charges? according to the statement the charge wasn't processed until the 20th. we have asked for the charges to be reversed now.

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Reply # 736545 23-Dec-2012 13:02

Carriers are not the NZ police, The police would request this INFO from the carriers using a search warrant

John

pageweon

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Reply # 736548 23-Dec-2012 13:15

Ok. Then I will call the police and let them know charges have been made to the account.

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pageweon

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Reply # 736550 23-Dec-2012 13:25

well, they've taken my info. lets see how it goes.

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Kyanar

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Reply # 736551 23-Dec-2012 13:26

On a side note, since the card was reported stolen shouldn't the bank have halted any charges? according to the statement the charge wasn't processed until the 20th. we have asked for the charges to be reversed now.

The bank can only halt charges if they haven't been acquired yet. The processing date is usually about 2-3 days after the actual acquisition date - you can usually see this phenomenon when you purchase something from a merchant who uses a different bank from you, and your available balance goes down but the transaction doesn't show in your online statement until about 3 working days later.

I don't think you need to actually ask for those transactions to be reversed individually, you should still be covered by Visa/MasterCard's Zero Liability Guarantee for them.

pageweon

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Reply # 736552 23-Dec-2012 13:29

the bank just put us through to their fraud department. they took the info and thats the last weve heard about it.. dont know how ling it takes to get the money back(hopefully before we need to do the last of our shopping)

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Kyanar

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Reply # 736557 23-Dec-2012 13:42

Usually it's about 5 working days. In a real pinch you can call up your bank and ask if they can give you a temporary limit increase. I had to do this recently where a $375 transaction double-posted, and the bank basically just increased my limit by the transaction amount with an expiry of the date that the transaction authorisation expired. Best talk to them and see what they can do for you.

mattwnz

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Reply # 736568 23-Dec-2012 14:52

pageweon: the bank just put us through to their fraud department. they took the info and thats the last weve heard about it.. dont know how ling it takes to get the money back(hopefully before we need to do the last of our shopping)

Maybe closed for the holidays. Many offices don't reopen now until the 7-14th january.

kingjj

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Reply # 736614 23-Dec-2012 17:21

While that makes an excellent line of Enquiry pageweon, don't be surprised to be told that the phones are prepaid (most of which have no details registered against them with providers) and the Police have no links to the numbers. Sims with new numbers are so cheap these days that low lifes can just chuck a bad sim/number once they've spent their ill gotten top up's. Not a good experience right before Christmas though!

Goosey

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Reply # 736687 23-Dec-2012 20:59

The bank will reverse those fradulent charges. Theres no point trying to do your own investigative work.

Your car will no doubt surface in the next while also (unless it was a classic/performance car).

What kind of car was it and where was it taken from (no need for an address... suburb is fine)

Lias

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Reply # 736688 23-Dec-2012 21:02

kingjj: While that makes an excellent line of Enquiry pageweon, don't be surprised to be told that the phones are prepaid (most of which have no details registered against them with providers) and the Police have no links to the numbers. Sims with new numbers are so cheap these days that low lifes can just chuck a bad sim/number once they've spent their ill gotten top up's. Not a good experience right before Christmas though!

Interesting point, but I see it this way, The bank/card issuer will most likely reverse the charges, as it's fraud. This leaves the Telco out of pocket, so it's in the Telco's best interest to help the police track down the location and user of the cellphones.

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JimmyH

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Reply # 736713 23-Dec-2012 22:38

While they can dump the Sim, they probably used it to call real people first (otherwise there not much point, unless they are only using data?). So the telco should have a record of the numbers called from that phone, which could be used to follow up who made the calls if the police are minded to take it seriously.

Dratsab

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Reply # 736739 23-Dec-2012 23:36

JimmyH: While they can dump the Sim, they probably used it to call real people first (otherwise there not much point, unless they are only using data?). So the telco should have a record of the numbers called from that phone, which could be used to follow up who made the calls if the police are minded to take it seriously.

It's not so much a matter of taking it seriously as a matter of it being an extremely low value offence. It may get investigated but, coupled with the costs of paying for phone dumps and an investigators time, it'll be fairly low on the priority list.

As kingjj points out - prepaid phones so no registered details for the caller. While it's a possibility there *may* be registered details for persons who received the calls, realistically, the likelihood of cooperation from them is fairly low.

Peppery

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Reply # 736749 24-Dec-2012 01:15

Again it does depend on the gravity of the crime, I'm not sure how closely the Police investigate stolen vehicles (probably quite intense I'd imagine). When I was the victim of a fairly violent attack and had my smartphone stolen turns out the criminals used it to text each others (prepaid) mobiles, the Police and Vodafone were more than happy to track down their prepaid phones.

pageweon

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Reply # 736759 24-Dec-2012 07:47

Wasn't that great of a car. Mazda familia.( Stolen from edgeware) I hope the police do take it seriously but mostly because the wife is so freaked out.

The wallet was found in the red zone. Ther are so many hides holes around there that I have no real hope of the car being recovered.

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bigal_nz

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Reply # 736772 24-Dec-2012 09:04

dratsab is right, they (the police) may or may not request the data from the Telcos. I guess Im a purist, and dont think that the scale of an offence should dictate wheter or not it gets investigated when there is a reasonable chance of finding the baddies - after all you pay taxes right?

More importantly if the transactions were done at a shop with cctv then you have a picture of the baddie. Thats a lot less work. Can you con the bank into giving you the merchant name?

-Al

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