What The F***

[dedja]

I think the moral of the story is don't support Adelaide

Yep, that’s definitely part of the problem

[Brodlach]

OI!

[Jimmy_041]

I think the moral of the story is don't support Adelaide

Obviously in cahoots with hackers to get more of your readies

[Dutchy]

Faark me, she lost $459 … it didn’t even twig that this was way above the $70 odd the ticket should have cost.

Might have to revert her to operating on a fully cash basis from now on.

I gots to know ... how did she fall for this?

It’s a great question, and I have hinted in previous posts, not the first time she has ‘interacted’ with scammers.

I have spent countless hours over the years ‘educating’ her and providing awareness of online risks, but she for some reason still falls for stuff. The worst bit is that she gets really confused and can’t explain what she’s done, which makes it nigh impossible to help her.

She rang me after it happened, wondering if something was wrong, so she has some awareness, but it’s like Adrenalin kicks in and overrides any rational thought while it’s happening.

Will discuss with the missus on what we should do from here. My strong inclination is to suggest that we ‘ban’ her from online trading, but that’s easier said than done.

You mentioned she uses a debit card for online purchases, can you manage it so there isn't a lot of $'s on there at any one time? Therefore reducing the possible loss to a few hundred $'s?

My Dad, despite being a retired Bank Manager, still has the odd slip up, he was expecting a delivery last month and got the Australia Post scam email asking him to pay another $2.99 by clicking on a link to get the parcel, which he did

[dedja]

Yeah, it’s one of the things I talked to her about yesterday …need to review her accounts and come up with a better way to restructure.

If it was on a credit, not debit card, then I assume the transaction could have been stopped, but using a credit card could introduce further problems.

One of the many really worrying things is that when I initially asked whether it was a debit or credit card, she kept saying it’s a credit card because it's Visa, so she didn't even know it was a debit card with access to all her funds. I had to explain to her that Visa and Mastercard just facilitate the transactions, so the card can be either a debit or credit card … she just assumed it was a credit card because it was ‘Visa’.

We’re leaning to a ‘ban’ on online transactions for her. My wife said later that her Mum was anxious about the ticket process before hand (she was over our place the night before) and asked my wife to help her but she was working. My wife didn’t tell me this beforehand though, so while I was aware her Mum was going to try to get a ticket, I didn’t know she was anxious and worried about doing it.

I could have easily helped her if asked, but it was unfortunately too late when her Mum called me.

… and you guessed it, both her sons have worked in banks for most of their careers

[Dutchy]

My wife works at ANZ and for all online shopping she uses a debit card that is solely for that purpose, just moves funds over when she uses it.

[Jimmy_041]

Always use a credit card- best protection you have
The responsibility is on them for scams or shoddy products
All you have to do is dispute a charge within 90 days

[dedja]

My wife works at ANZ and for all online shopping she uses a debit card that is solely for that purpose, just moves funds over when she uses it.

Yeah, get it … but the problem is that the MIL gets ‘white line fever’ online, so she would need to be disciplined to mange the accounts … when yesterday she authorised a $459 payment to a random site for a $75 AFL finals ticket and thought nothing of it until afterwards

Always use a credit card- best protection you have
The responsibility is on them for scams or shoddy products
All you have to do is dispute a charge within 90 days

I agree … for normal people