I got a bit of a surprise when I reported to my bank this week that my credit card had been used fraudulently while I was on holiday, even though I'd had the card with me all the while. I was told this was impossible, that I couldn't have taken the card abroad, and would I agree to hand over the details of anyone with access to my house while I was away, and cooperate with the police in investigating those people?
After quite a considerable amount of lively debate on the telephone, my bank agreed that it would humour me by going through the futile motions of checking whether there was any sign that my story could possibly be true. Shortly afterwards I got a call asking if I'd recently moved house, then written to the bank informing them of the fact and requesting a new credit card at the new address. No. I hadn't. That solved the supposedly impenetrable mystery.
Fraudsters had got hold of my card because the bank had obliged in sending one to their address. Back at my old address, I then received a letter requesting that I sign a statement declaring: "I certify that I am denying participation in the above transactions circled as fraud." Banks, eh? You have to laugh.
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