I consider myself to be reasonably 'savvy' where scams are concerned but even so it appears that you can be scammed without even leaving home or loosing your card.
I refuse to pay any unnecessary bank overdraft charges, so keep a close eye on our accounts. Last week I noticed a discrepancy of £50 between the banks balance and my own which I could not understand. I, therefore, asked the bank for a printout showing the latest transactions over the past four weeks. I checked that all of the £50 withdrawals had been accounted for and all were present and correct. Next I asked my husband to check my own account figures whilst I went through the Bank Statement item by item. I came across three withdrawals just one week ago, all on the same day, from someone totally unknown. £20, £10, and another £20 cash to O2 UK PAY AND GO. Pay and go is precisely what they had done. They had made their name appear to be similar to the mobile phone company 'O2 Pay as you Go'. I found it rather confusing trying to work out how this could possibly happen as I still had my Debit Card safely in my hand. This is one of the reason why I do not like or use the contactless card waving business which takes your money without even requiring your pin number. Another confusing thing is that I never use my Debit Card for shopping or internet transactions, but simply for withdrawing cash. I always shield the pin number and make sure that the cash machine appears to have no hidden cameras.
I contacted my bank straightaway and was put through to the fraud department who immediately seemed to recognise the scam, and said that they would return the money and cancel my card. A replacement card was sent to me which arrived the following day.
I have no idea at all just how this scam happened, but obviously it pays to keep a close eye on all of your account transactions. If I had not noticed the discrepancy and not cancelled the card then apparently the withdrawals would have continued.