The Day I Experienced Identity Fraud

Right now I feel a whole bundle of emotions… Sad, angry and stupid are the top three though. Mostly stupid. But as I write this I wonder if this ‘stupid’ feeling is warranted, because all I did was trust someone.
No, I didn’t give out a password, pass-code or any bank details, but I still ended up having one of my accounts hacked and (potentially, I say potentially in the hope that the charge will be revoked!) losing money.
I don’t really know why I didn’t realise it was a scam, I was about to do some work, but I received a message via Twitter. A message to say I’d won a prize. A prize involving X-box and Microsoft and o2 and Playstation worth £50. I thought, ‘Hey, that’s blinkin’ great, the kids (and Warren!) will love that!’ So I gave them my phone number.
Yep, my phone number. And this is how I lost money through my o2 account. They told me they’d send me a code and to send it to them. Yes, I sent it. I could lie, I could say, ‘I’m not stupid.’ But in truth, it seemed so innocent. A number a code.
Then what?
They blocked me. Then I received a text saying I’d bought something from Microsoft.
So, I logged into Microsoft and started a chat. Nothing had been purchased. Whilst I was there I changed my password- that helps, right? Wrong. I hadn’t given out my password.
I thought it was all fine, Microsoft had told me no charges, my bank looked fine, maybe the link in the text was the scam. Phew.
Today I logged into my o2 account. There, at the bottom of the screen was a charge. The same charge as the one in the text message with the ‘dodgy’ link. I felt like crying. My cheeks burnt. I text Warren and sat trying to call o2 frantically from my phone. The number didn’t work (they’re closed) I panicked and started a chat with someone from o2.
They said I’d made a purchase via Boku.

I said I didn’t.
They put a block on the company to prevent any further charges. I didn’t authorise the first one!!!! This is where anger crept in.
It’s no o2’s fault, but what the heck can be done to return the payment back to £0?
After a bit of digging, Warren discovered that somebody had used a company to pay for a Microsoft product using my number and a code sent to my phone which then charges to o2.
FRAUD alert!
I am so sickened that this has happened. So shocked and so at a loss of what to do. All I know is that I did not make that payment, and I can only hope the companies involved can help.
I’m waiting for tomorrow now, for a chance to speak to someone, to sort it all out, hopefully…
And you’d think I’d have some tips on keeping your money, well, yours… but I don’t. I thought passwords were the big thing, but after this, well I trust no one.
So, be vigilant, be secure, be wary and remember, it’s not all about passwords.

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2 Comments

  1. Welsh Mummy Blogs
    17th November 2016 / 11:59 pm

    Omg that’s awful!!! Hope your okay xx

    • 18th November 2016 / 12:15 am

      I’m just saddened and frustrated xxx

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