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Tuesday, March 22, 2011

Protect your PIN!

Greetings,

ok that sounded like how the aliens would greet the humans. lol.
lo siento (sorry) that i had been on hiatus. You know what, it isn't easy to find the time to actually blog when you do have a blog!

Anyway, too many happenings! But I'd like to only write about Fraudulent. I'm one of those boring people who check their online bank account ALOT, thinking maybe ... MAYBE there'll be some miracle where money will just drop into your bank account from an anonymous sender! ha ha! So, this one time I was so busy moving apartments so didn't have time to get online much, and once I did and logged onto my online banking it said my balance was only 6.49euro. I was so shocked, my pants slid off, and that wasn't possible. Okay, I have two bank accounts, Ulster bank and Bank of Ireland (BOI). When I get paid , all my money will be credited into BOI, and I will personally transfer an amount into my Ulster. Now, 2 weeks earlier I got paid and only left 400euro in BOI; I wouldn't withdraw a big amount once I know I've only left with that amount in that account. Two suspicious transactions showed in my statement from 2 different ATMs! One was 100euro and another 200euro. I made a complaint of course, and went to the police station to give a statement and for them to investigate.

Now, both the police and the customer service agent at BOI asked me how anyone could withdraw this amount without my permission, did I leave my card elsewhere etc. Like HELLO!, are you guys stupid or what, obviously I wouldn't just leave my card lying around for someone to grab the opportunity and steal from me. How would I know how it could happen. I only answered with "I don't know, I have my card with me at all times and will always be kept in my wallet, which is always with me. Maybe there had been some device installed in an ATM that could copy your card details etc." The police nodded and shrugged and replied with "hmm, that could be possible." Like WHAT the hell?! He asked me do I ever cover my pin when I use the ATM, I said "well yeah, with my body not with my hands." And then he went "oh for future reference always cover with your hands." I've learned my lesson(s). I've always thought protecting my pin by covering the keypad was a thing that nerds/old people would do. I mean come on, I didn't expect this to happen to me!! So now after this incident, I don't take money out just anywhere or any ATMs, I would only go to particular ones; or get cash back when purchasing something. Good news is, I got my money back! My bank refunded the full amount, within a week I made the complaint! I was super ecstatic, furthermore cos it was such a quick refund the bank did. Well done BOI! In this case, I will want to continue be your client :)
Alhamdullilah, kalau tidak menangis laaaa I tak dapat my money back!

So folks, remember to cover up your pin at all times! Not everyone is as lucky as I am to be getting back the money, so take it serious! There are prying eyes everywhere!!!



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