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05/06/2009, 21:32 LEO Joined on 15/04/2006 Calvados,14 Posts 1,143 Re: Credit Agricole Scam? For French Finance - read, French Farce! Leo. www.vianormandy.com ( I used to be indecisive, now I'm not so sure! )    Report

21/06/2009, 7:54 Mr Wiggy Joined on 04/03/2007 L'Absie Posts 100 Re: Credit Agricole Scam? Hi All. I have recently been the victim of credit card cloning; despite having all the necessary security and using only secure sites for any purchases, yet still had my card cloned. Unfortunately it appears that I didn’t have the card insured and as a result, any payments that I receive are taken (stolen) by the bank to cover the losses incurred, which were over 3000€. I have also made a signed statement to the local Gendarmerie as is required but still feel persecuted by the bank. This has now left me feeling very angry at the banks attitude, as they have now placed me in the ridiculous state of being in a permanent overdraft situation. I also cannot understand why the bank allowed my overdraft limit to be exceeded many times over and not stop the card; I did question them about this but didn’t get a very good answer. Despite being the victim in this situation, I feel as though I am being treated as the perpetrator of this crime. If anything can be learned from this situation, it is make sure you have your card insured as I am now paying the price.    Report

21/06/2009, 21:55 Jane and Danny Joined on 23/08/2004 near Cahors, 46 Posts 1,257 Re: Credit Agricole Scam? This is quite a worrying post. I thought it deserved to be bumped up to the top of the forum. When you say "have your card insured", what kind of insurance are you referring to? I have no idea if we have any such insurance on our bank cards. We - like many others - bank with Crédit Agricole but you do not mention specifically that you bank with them. Perhaps it would be useful to let us know who you have your accounts with. Does this mean that if there is fraudulent use of a bank card through no fault of the account holder that the bank do not take responsibility for it? And if so, how can the bank hold the account holder responsible? It seems crazy. Maybe you could elaborate on this as I think most people on this forum would be surprised and possibly worried by your story. Has anyone else any idea of bank procedures in case of card fraud in France? I am off to search our bank's website... I may be some time Danny specialist flute repair    Report

21/06/2009, 22:23 Jane and Danny Joined on 23/08/2004 near Cahors, 46 Posts 1,257 Re: Credit Agricole Scam? Mr Wiggy, see this page about Utilisation frauduleuse de la carte bancaire It seems that the bank must reimburse you for any losses assuming you are still in possesion of your card and it has not been taken temporarily. You must write to your bank to reclaim the money normally within 70 days of the loss. and from this site: http://droit-finances.commentcamarche.net/faq/sujet-236-carte-bancaire-et-fraude-qui-est-responsable En cas de fraude Même si vous êtes encore en possession de votre carte et que vous n’avez donc pas fait opposition, votre responsabilité est totalement dégagée (sans limites aucunes) en cas d’utilisation frauduleuse de votre numéro de carte (achat par correspondance) ou de contrefaçon. Il vous suffit de notifier par écrit votre contestation à l’établissement émetteur. Celui-ci doit alors vous recréditer les sommes litigieuses dans le délai d’un mois qui suit la réception de votre lettre recommandée (Code mon. et fin. art. L 132-4). Basically, if I read it right, after having receiving your notification - by registered letter - your bank have a month to reimburse you. Danny   specialist flute repair    Report

21/06/2009, 23:01 Chancer Joined on 16/07/2006 Picardie, Sussex Posts 4,082 Re: Credit Agricole Scam? I watched a French Tv program on this, basically they will not admit that chip and pin cards can be cloned or the security overcome, despite the journalist being shown exactly how it was done by a cloner with his identity disguised. I watched the girls in the bureau charged with deciding which dossiers to accept and which to refuse, any cases involving transactions where the PIN number was used they automatically refused to indemnify, basically telling the customer tough sh1te, that they were either lying or a family member must have used their card and pin number. Big business in France relies on bully tactics and the compliance of most of the population to get its own way. Mr Wiggy, were your unathorised witrhdrawals card not present transactions, i.e. internet or mail order? Was it a credit or debit card? I assume from your comments that it was a French bank, which one?    Report

22/06/2009, 7:25 Mr Wiggy Joined on 04/03/2007 L'Absie Posts 100 Re: Credit Agricole Scam? Hi to All, again. When I signed the contract to open an account with the Crédit Mutuel there was no mention on that contract or from the then manager of any insurance for my card, it was only when I spoke with the present manager that any mention of card insurance ever arose, he had asked me, “did I have any insurance for the card.” And that’s what put the fear of Jaker’s into me. Yesterday afternoon I had a phone call from a very good friend of mine all the way from the UK, and would you believe it but S.D. is on the ball even when he’s having a free ride on the footplate of a steam engine. He certainly put my mind to rest and reassured me that I had done everything correctly and was not liable as I had reported it to the bank and agreed to make a signed statement to the Gendarmerie. He has taken a load from my shoulders as understandably I was very concerned about this problem which not of my making, so a big thanks to Dave.    Report

22/06/2009, 9:27 Clair Joined on 23/08/2004 Real Virtual French Person & Moderator - Lot (46) Posts 11,295 Re: Credit Agricole Scam? http://www.gendarmerie.interieur.gouv.fr/fre/sites/Gendarmerie/A-la-loupe/Fraudes-cartes-bancaires (in Google English here) http://www.acabe.fr/loi-fraude-carte.htm (in Google English here) Carte bancaire et fraude : qui est responsable ? (in Google English here) Clair the elements of disbelief are very strong in the morning Breakfast - Frank O'Hara    Report

22/06/2009, 9:57 Chancer Joined on 16/07/2006 Picardie, Sussex Posts 4,082 Re: Credit Agricole Scam? I am pleased to hear that the load has been lifted from your shoulders Mr Wiggy, I just hope that the bank will agree and recredit your account quickly, however I have a lingering doubt. Were the unauthorised debits "customer not present" transactions?    Report

22/06/2009, 10:17 cooperlola2 Joined on 27/08/2008 La Sarthe Posts 137 Re: Credit Agricole Scam? Not sure I'm adding much value to this thread, but when my Barclaycard was abused some months ago, the BC response was pretty impressive. I first got wind that things were wrong when BC rang me here in France to enquire about the several holidays in Japan I'd recently booked. I had? With cooperlola in hospital? Just the time to go, eh? The card was stopped from that moment.Total fraud, all in France, was about £4000 - at which point the card limit was exceeded, so that was that. BC got me a new card with new number quite quickly, and while the next statement inevitably threatened excommunication and burning-at-the-stake, the parallel intelligent correspondence took a more sensible tone, inviting me to tell all. In my case, the only time the card had left my possession, other than to be used in ATMs or Autoroute tolls, had been at a service station in Le Grand Luce, filling up in early October, where there is a manned caisse. It was several months later that the fraud was committed, so I have no idea whether the two are in any way linked. I assume the fraud was online, which of course made BC's questions about my safeguarding of my PIN rather irrelevant - but then we do know someone who writes the PIN on the back of each card for safe keeping! Anyway, BC were really very good, the event cost me nothing in charges, and I received apologetic letters from BC, as if they felt it was all their fault! At a time when banking sector popularity is less than mercurial, this was good service. Warning : Does your nose run? Do your feet smell? If so, then you may be built upside down!    Report

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France ForumLegal and Finan...French FinanceCredit Agricole Scam?

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