Comments on: More about Protecting Yourself Against Fraud http://gailvazoxlade.com/blog/archives/367 Thu, 09 Feb 2012 02:58:08 +0000 http://wordpress.org/?v=2.9.2 hourly 1 By: Stacey http://gailvazoxlade.com/blog/archives/367/comment-page-1#comment-5475 Stacey Tue, 03 Feb 2009 14:51:54 +0000 http://gailvazoxlade.com/blog/?p=367#comment-5475 great advice Gail. I check ym credit with each bureau a minimal of three times a year. I have been fraud of ID theft so I am more careful than others. I only found about the ID fraud through the RCMP from Montreal. To make long story short someone stole my ID and received mothers allowance using my ID and my childs........nice people out there........but in the end got theirs.......were caught by RCMP and served time for it because was federal offense.........irregardless it didnt clean up my credit I had to and even now which is some 8 yrs later I am still finding constant errors on my report......I get them fixed and then new ones creep up........I have never been charged for my reports and no questions about the number of times I request it either in a calendar year. great advice Gail. I check ym credit with each bureau a minimal of three times a year. I have been fraud of ID theft so I am more careful than others. I only found about the ID fraud through the RCMP from Montreal. To make long story short someone stole my ID and received mothers allowance using my ID and my childs……..nice people out there……..but in the end got theirs…….were caught by RCMP and served time for it because was federal offense………irregardless it didnt clean up my credit I had to and even now which is some 8 yrs later I am still finding constant errors on my report……I get them fixed and then new ones creep up……..I have never been charged for my reports and no questions about the number of times I request it either in a calendar year.

]]> By: Marie http://gailvazoxlade.com/blog/archives/367/comment-page-1#comment-5464 Marie Tue, 03 Feb 2009 03:22:31 +0000 http://gailvazoxlade.com/blog/?p=367#comment-5464 Solicited sales: Some provinces have rules about 'door-to-door' salespeople which gives the 'purchaser' one week to ten days to cancel a SOLICITED sale. I do not know whether this extends to phone solicitation or how many provinces have that rule. Anyone knows? Solicited sales:
Some provinces have rules about ‘door-to-door’ salespeople which gives the ‘purchaser’ one week to ten days to cancel a SOLICITED sale. I do not know whether this extends to phone solicitation or how many provinces have that rule. Anyone knows?

]]> By: angela http://gailvazoxlade.com/blog/archives/367/comment-page-1#comment-5463 angela Tue, 03 Feb 2009 02:52:38 +0000 http://gailvazoxlade.com/blog/?p=367#comment-5463 you have to look at the fineprint for your credit card. I was looking at capital one as a choice and some of their cards provide $0 faud liability. I have stated this following point on another post, but we recently had one of our cards used fraudulently and the company contacted us before we even received the bill enquiring about it. It seems like the more technology that comes out and the easier it is to access our account information the easier it is for fraudsters to commit thier crimes. Like this new mobile banking thing. Yeh i just don't trust it. you have to look at the fineprint for your credit card. I was looking at capital one as a choice and some of their cards provide $0 faud liability.
I have stated this following point on another post, but we recently had one of our cards used fraudulently and the company contacted us before we even received the bill enquiring about it.
It seems like the more technology that comes out and the easier it is to access our account information the easier it is for fraudsters to commit thier crimes. Like this new mobile banking thing. Yeh i just don’t trust it.

]]> By: Joanne http://gailvazoxlade.com/blog/archives/367/comment-page-1#comment-5461 Joanne Tue, 03 Feb 2009 00:28:07 +0000 http://gailvazoxlade.com/blog/?p=367#comment-5461 I agree with Blane. Jo-anne Stacey should have indicated that they did not authorize a $1500 payment and therefore it would be fraud and would go through their fraud department because you did not authorize any payment over $45.00. You should have been able to "dispute" the $1500.00 charge and then Visa would have had to go back to the Company and have them "produce" the documents that verified that a) you authorized the charge b) how much you authorized to have charged on your credit card and finally c) documentation ie; signature. My husband runs a small business and has had "charge back" requests from Credit Card companies where we have had to produce the credit card slip with signature to verify that the charge was indeed valid. It was fraud and the company should have had to prove that you authorized anything over $45. Jo-anne Stacey may not have thought it was fraud but it was unfortunately and shouldn't have been held liable unless the company could prove that you did authorized the charges. I agree with Blane. Jo-anne Stacey should have indicated that they did not authorize a $1500 payment and therefore it would be fraud and would go through their fraud department because you did not authorize any payment over $45.00.
You should have been able to “dispute” the $1500.00 charge and then Visa would have had to go back to the Company and have them “produce” the documents that verified that a) you authorized the charge b) how much you authorized to have charged on your credit card and finally c) documentation ie; signature.

My husband runs a small business and has had “charge back” requests from Credit Card companies where we have had to produce the credit card slip with signature to verify that the charge was indeed valid.

It was fraud and the company should have had to prove that you authorized anything over $45. Jo-anne Stacey may not have thought it was fraud but it was unfortunately and shouldn’t have been held liable unless the company could prove that you did authorized the charges.

]]> By: Saver Queen http://gailvazoxlade.com/blog/archives/367/comment-page-1#comment-5460 Saver Queen Tue, 03 Feb 2009 00:25:02 +0000 http://gailvazoxlade.com/blog/?p=367#comment-5460 Then again Blane, I was once doubly charged by pizza pizza (they made the transaction go through twice) - called my cc company and they told me to go through pizza pizza instead. but i think going to the fraud dept would be the right approach. Then again Blane, I was once doubly charged by pizza pizza (they made the transaction go through twice) – called my cc company and they told me to go through pizza pizza instead.

but i think going to the fraud dept would be the right approach.

]]> By: Saver Queen http://gailvazoxlade.com/blog/archives/367/comment-page-1#comment-5459 Saver Queen Tue, 03 Feb 2009 00:23:31 +0000 http://gailvazoxlade.com/blog/?p=367#comment-5459 I agree with Blane - and in addition to that, if you sent the product back they should have given you a refund. That situation does not sound right to me and I would follow up with it. Sometimes these things require persistence. I am just wondering about the safety involving personal finance blogs because so many of us show exactly what is owing, what is saved, and to whom and with who we bank with. we give personal information about ourselves and all names and locations are easily found based on the ip signature of the computer. At some blogs I read, I know their first and last names, could easily know their address, I know the city, the last transaction they made (many bloggers list this info as a spending diary) how many credit cards they have, what they've just paid off, how much they have owing, and clues to personal interests & relationships. i love that blogging has cracked open the secretive nature of money.. just wonder if we are at risk. I agree with Blane – and in addition to that, if you sent the product back they should have given you a refund. That situation does not sound right to me and I would follow up with it. Sometimes these things require persistence.

I am just wondering about the safety involving personal finance blogs because so many of us show exactly what is owing, what is saved, and to whom and with who we bank with. we give personal information about ourselves and all names and locations are easily found based on the ip signature of the computer. At some blogs I read, I know their first and last names, could easily know their address, I know the city, the last transaction they made (many bloggers list this info as a spending diary) how many credit cards they have, what they’ve just paid off, how much they have owing, and clues to personal interests & relationships. i love that blogging has cracked open the secretive nature of money.. just wonder if we are at risk.

]]> By: Blane Matthews http://gailvazoxlade.com/blog/archives/367/comment-page-1#comment-5458 Blane Matthews Mon, 02 Feb 2009 23:03:51 +0000 http://gailvazoxlade.com/blog/?p=367#comment-5458 To the woman who's card was charged for more than it should have been - I think you're wrong about being on the hook for that. I'm no expert, but the trick is the language you use. Visa called it a civil case, because from there point of view, it's a dispute between two parties not involving them. (You say 45, they say 1500, so it's not Visa's falut.) The trick is to imediatly ask to be put through to their fraud department. You authorized a charge of 45, they took 1500, that's fraud. It's the same thing if you went to a restaurant and they charged you $8564.00 instead of $85.64; you don't goto the restaurant for you money, you goto Visa - and _they_ get the money back from the restaurant. Again, I'm no expert, but I think you should have been able to fight that. A more knowledgeable person feel free to correct me. To the woman who’s card was charged for more than it should have been – I think you’re wrong about being on the hook for that. I’m no expert, but the trick is the language you use. Visa called it a civil case, because from there point of view, it’s a dispute between two parties not involving them. (You say 45, they say 1500, so it’s not Visa’s falut.) The trick is to imediatly ask to be put through to their fraud department. You authorized a charge of 45, they took 1500, that’s fraud.

It’s the same thing if you went to a restaurant and they charged you $8564.00 instead of $85.64; you don’t goto the restaurant for you money, you goto Visa – and _they_ get the money back from the restaurant.

Again, I’m no expert, but I think you should have been able to fight that. A more knowledgeable person feel free to correct me.

]]> By: Pol http://gailvazoxlade.com/blog/archives/367/comment-page-1#comment-5456 Pol Mon, 02 Feb 2009 20:17:47 +0000 http://gailvazoxlade.com/blog/?p=367#comment-5456 Another great set of tips! THANK YOU Another great set of tips! THANK YOU

]]> By: jo-anne stacey http://gailvazoxlade.com/blog/archives/367/comment-page-1#comment-5455 jo-anne stacey Mon, 02 Feb 2009 19:34:09 +0000 http://gailvazoxlade.com/blog/?p=367#comment-5455 Years ago, my husband heard a great spot on the radio and called the number to order a product to teach our child how to speak french and it only cost $45.oo. I quickly told him to cancel it and he did,but I did not know that I should have called visa and put a stop to the transaction. A few days later the product came to the house by courier and I sent it back. The company charged $1500.00 to our card . We had to pay it back because my husband ordered the product. I asked the visa company what if they would have charged us $10,000.00 and they said that we would have been on the hook for it. Live and learn--no more buying stuff over the phone for us. To this day I am still rotted about it. Out all that money and we still didn't have the stupid product! please do not use my last name -thanks Years ago, my husband heard a great spot on the radio and called the number to order a product to teach our child how to speak french and it only cost $45.oo. I quickly told him to cancel it and he did,but I did not know that I should have called visa and put a stop to the transaction. A few days later the product came to the house by courier and I sent it back.
The company charged $1500.00 to our card . We had to pay it back because my husband ordered the product. I asked the visa company what if they would have charged us $10,000.00 and they said that we would have been on the hook for it. Live and learn–no more buying stuff over the phone for us. To this day I am still rotted about it. Out all that money and we still didn’t have the stupid product!

please do not use my last name -thanks

]]> By: Cynthia http://gailvazoxlade.com/blog/archives/367/comment-page-1#comment-5454 Cynthia Mon, 02 Feb 2009 19:22:12 +0000 http://gailvazoxlade.com/blog/?p=367#comment-5454 As SaverQueen mentioned there are thousands and I mean thousands of charities who have lost their charitable status. She posted the link her email. The most recent and public loss (Toronto Star had an article)was the Little League of Canada (baseball). One most also must be careful of simillar sounding charity names. As SaverQueen mentioned there are thousands and I mean thousands of charities who have lost their charitable status. She posted the link her email. The most recent and public loss (Toronto Star had an article)was the Little League of Canada (baseball).

One most also must be careful of simillar sounding charity names.

]]> By: Kim U http://gailvazoxlade.com/blog/archives/367/comment-page-1#comment-5450 Kim U Mon, 02 Feb 2009 17:43:37 +0000 http://gailvazoxlade.com/blog/?p=367#comment-5450 I got a call the other day with someone offering something "free". They talked so darn quick it was hard to keep up! Somewhere in the middle I heard "only 49.99". I interrupted and said I thought it was free. They did some back talking and then went forward with their rant again, so I said I wasn't interested and hung up. It's a creepy creepy world out there. Saver Queen: Personal finance blogs seem safe enough to me as long as no clues as to your account are there. Talking about interest rates and ways to save shouldn't get people in trouble, I would think. I got a call the other day with someone offering something “free”. They talked so darn quick it was hard to keep up! Somewhere in the middle I heard “only 49.99″. I interrupted and said I thought it was free. They did some back talking and then went forward with their rant again, so I said I wasn’t interested and hung up.

It’s a creepy creepy world out there.

Saver Queen: Personal finance blogs seem safe enough to me as long as no clues as to your account are there. Talking about interest rates and ways to save shouldn’t get people in trouble, I would think.

]]> By: Saver Queen http://gailvazoxlade.com/blog/archives/367/comment-page-1#comment-5446 Saver Queen Mon, 02 Feb 2009 16:04:34 +0000 http://gailvazoxlade.com/blog/?p=367#comment-5446 By the way, does anyone have any thoughts on personal-finance blogging & privacy? Are we safe? I think talking about these issues are so important, but is there a risk with what we disclose? By the way, does anyone have any thoughts on personal-finance blogging & privacy? Are we safe? I think talking about these issues are so important, but is there a risk with what we disclose?

]]> By: Cynthia http://gailvazoxlade.com/blog/archives/367/comment-page-1#comment-5445 Cynthia Mon, 02 Feb 2009 15:32:37 +0000 http://gailvazoxlade.com/blog/?p=367#comment-5445 My mail delivery has been so erractic these last 6 yrs I have the Canada Post depot supervisory on speed dial. My address has not been changed, and only through CP was it done when changed, and I notified all concerned parties. It just seems like CP's mailing system doesn't like me, and my credit report is clean, no surprizes. My mail delivery has been so erractic these last 6 yrs I have the Canada Post depot supervisory on speed dial. My address has not been changed, and only through CP was it done when changed, and I notified all concerned parties. It just seems like CP’s mailing system doesn’t like me, and my credit report is clean, no surprizes.

]]> By: Saver Queen http://gailvazoxlade.com/blog/archives/367/comment-page-1#comment-5443 Saver Queen Mon, 02 Feb 2009 14:55:31 +0000 http://gailvazoxlade.com/blog/?p=367#comment-5443 Also, regarding the charities - they have charitable registration numbers for a reason. If you are unsure, get the number and follow up. You can check a list of charities here: http://www.cra-arc.gc.ca/tx/chrts/menu-eng.html. Below, this is also a great website with info about how to validate a charity - from the attorney general's website. http://www.attorneygeneral.jus.gov.on.ca/english/family/pgt/charbullet/bullet5.asp Also, regarding the charities – they have charitable registration numbers for a reason. If you are unsure, get the number and follow up. You can check a list of charities here: http://www.cra-arc.gc.ca/tx/chrts/menu-eng.html.

Below, this is also a great website with info about how to validate a charity – from the attorney general’s website.

http://www.attorneygeneral.jus.gov.on.ca/english/family/pgt/charbullet/bullet5.asp

]]> By: Melaniesd http://gailvazoxlade.com/blog/archives/367/comment-page-1#comment-5442 Melaniesd Mon, 02 Feb 2009 13:50:08 +0000 http://gailvazoxlade.com/blog/?p=367#comment-5442 Great information Gail. Thank you. Great information Gail. Thank you.

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