I sat here on the sofa last night and thought I would check my hotmail account. I don't use it anymore but there are one or two things that still need it so I keep it open....
To say I was upset is an underestimate - I was beside myself. apart from the horror and feeling of invasion that comes with these things, there was also the added worry because my UK bank account has virtually nothing in it and these payments going through would cause chaos. I quite check online of my UK bank account showed me that it was now overdrawn, and of course yesterday evening in California is middle of the night in the UK, so there was nothing I could do.
I did raise the issue with Paypal, and instigated an investigation from them. I changed my passwords, and my email address associated with the account, but because the account is linked to my UK account and with a UK address, I was not able to activate further security measures. I will have to wait for Paypal to finish their investigation and then close the account and open a new one with my US info - such a pain!
Anyway, after a weird nights sleep (hardly surprising with this lot running through my head) I was up at 6.30 this morning with the boys and then once they had left for school at 7am I was straight on the phone to my bank in the UK. I spoke with a very lovely lady, who when I told I was ringing about some fraudulent transactions on my account, said to me "are you talking about the 3 ones to Paypal for the same amount?" I was a little taken aback at her knowing immediately what I was talking about, but it does make sense. My bank account in the UK has no overdraft facility. It is the type of account that cannot be enabled to have an overdraft facility. I am not able to have a cheque book on this account either, or a credit card associated with it. This was a deliberate move on my part after I finally got rid of my hateful, alcoholic and abusive ex-husband, because, I was left with so much debt that he had created it was untrue, and to completely limit myself and my spending capability seemed the only way to get it sorted out!
Back to my tale - the overdraft or lack of overdraft, was the reason why the lady on the phone knew which transactions I was talking about. They had been entered onto the system through the day and made my account appear overdrawn, but then through the night when their system updated itself they had been 'bounced' back and my account was actually marginally in credit, which was a truly wonderful thing to hear. However, because officially there were transactions on my account without sufficient funds, the lady I spoke to said there would be a £15.00 fee charged for each of the 3 transactions. She asked me to hang on and vanished from the line for a few minutes. When she returned to the call she told me that because the transactions were not of my making, the bank was prepared to waive the £15.00 charges. They would also cancel my debit card and issue me with a new one, and they would take the added measure of withdrawing the Paypal consent on my account. Hallelujah!!!
Now, I just need to wait for Paypal to finish their investigation and then I can close my UK Paypal account and re-open one with my US details, and with as much added security as possible.
I always thought that Paypal was meant to be mega secure - but obviously this is not the case, and I will most definitely make sure I am more vigilant in the future when buying on the net.
Have a great day everyone