The Case of the Stolen Debit Card
This is one post many of my friends wanted me to write. It was in Draft mode for quiet a long time(more than a year) because of a few reasons and now, here it comes...
This incident is dated 21st January 2008 - a day to be remembered in this journey of my life...
I stay in a hostel, which is a bit on the costlier side. I was in a two-member room - got to share my room with another roommate.
I was going to Yoga classes (Isha Yoga - 7 day Inner Engineering program) from 6 AM to 9 AM everyday and Sunday full day(6 AM to 6 PM). Monday morning, I noticed that my debit card is missing from my purse and hence, immediately checked my account using net banking and found that my debit card has been swiped across various counters in Hyderabad Central for a total amount of about Rs. 43000 and the balance in my account was only Rs. 15.
Tried phone banking and for some reason it did not work. Then I visited the bank's branch in Jubilee Hills and the branch manager there was really helpful and I blocked my debit card and he informed the necessary people to start investigation on the transactions and told me about the procedure I will have to follow.
I had to submit the Lost/Stolen Card form with franking(stamping of Rs. 100 in each sheet of the form. There were two sheets) along with the copy of FIR which I will have to get it from the police station in my area where I suspected losing the card.
While travelling back to office, I got the number of Hyderabad Central's office from Just Dial(040 -24444444), called them up and explained what happened(That a stolen debit card has been swiped 7 times across various bill counters in the mall). They told me to come in person.
I was going to the police station to raise a FIR. On the way, I collected the bank statement from the bank's Hi-tech City branch along with the exact card swiping timings.Then went to the police station and the police officials had just gone on some duty and I was told to get a User form from any of the e-seva centres which is a pre-requisite before they come.
In the meantime, I decided to visit Central and while I was on my way, I called up my roomie and asked her if someone entered our hostel room and I explained what had happened. She told me that none entered the room and told me to call her up if I needed any help and keep her informed what I am doing. At that time, I didn't suspect her at all as she is very rich that she spends around 10K per day without worrying.
She asked me what I am doing. I said I am going to central to see if I can find out anything. She asked what can I find there. I told her I will call her later.
Then went to central, tried meeting the office people - they were of little help. Then if I hadn't told u before, there were 7 swipings between 12.17 hrs to 15.58 hrs(Shopped for 43K within 3.5 hrs).
One for 9990.00 in Just LifeStyle(Just In Vogue), 17500.00 in IIIrd Eye(a digi cam shop) , 1 said Madura Garments and the rest all said Hyderabad Central. Though 3rd Eye and Just LifeStyle are also in Central, thank God it showed its own names against swiping.
Somehow, got in touch with Just In Vogue. Initially, t he person in charge was reluctant to give any information. Then I had to say that I am "Fathima" and I am telling u that a fraud has been committed using my card in ur shop but u r not ready to give information. He said, he will give info only to bank and all that. I tried to find if its a guy's watch or a girl's watch,etc. At last he budged and showed the signature and details. The signature was totally different and the phone no left there in the bill was fake.
Then went to the camera shop and guy in charge was very helpful. He told it was a girl and she was roaming there for more than 1 hr in that area.
Then went to the back office of central. The guy over there was also helpful(None of the top officials were helpful) and led me at last to the CC footage room. (Usually, the footages get erased and re-written every 24 hrs. So I was afraid that it may get erased). There, somehow after a lot of convincing, they agreed to show it(as they said proper permission has to be obtained).
In the meantime, my roomie was calling to ask what I was doing. I was really getting irritated.
Then in one footage of the camera(I could give the timings the person was in each shop based on the swipings) in front of the watch shop, I saw a girl's back pose exactly at the swiping time. So got confirmed that it was a girl. But the camera at that place was not working properly, so could see only a blurred image.
Then I tried to see the footage was at another place. At that time, my roomie called up again and confessed again that she did it, and at the same time, I saw her in the camera.
She told me to come to room immediately and that she is not that type of girl,blah, blah, blah and that she will return back all the money and all that.
So, I got my money back later and all that...
Thanks to everyone who helped me in identifying the culprit...
This incident is dated 21st January 2008 - a day to be remembered in this journey of my life...
I stay in a hostel, which is a bit on the costlier side. I was in a two-member room - got to share my room with another roommate.
I was going to Yoga classes (Isha Yoga - 7 day Inner Engineering program) from 6 AM to 9 AM everyday and Sunday full day(6 AM to 6 PM). Monday morning, I noticed that my debit card is missing from my purse and hence, immediately checked my account using net banking and found that my debit card has been swiped across various counters in Hyderabad Central for a total amount of about Rs. 43000 and the balance in my account was only Rs. 15.
Tried phone banking and for some reason it did not work. Then I visited the bank's branch in Jubilee Hills and the branch manager there was really helpful and I blocked my debit card and he informed the necessary people to start investigation on the transactions and told me about the procedure I will have to follow.
I had to submit the Lost/Stolen Card form with franking(stamping of Rs. 100 in each sheet of the form. There were two sheets) along with the copy of FIR which I will have to get it from the police station in my area where I suspected losing the card.
While travelling back to office, I got the number of Hyderabad Central's office from Just Dial(040 -24444444), called them up and explained what happened(That a stolen debit card has been swiped 7 times across various bill counters in the mall). They told me to come in person.
I was going to the police station to raise a FIR. On the way, I collected the bank statement from the bank's Hi-tech City branch along with the exact card swiping timings.Then went to the police station and the police officials had just gone on some duty and I was told to get a User form from any of the e-seva centres which is a pre-requisite before they come.
In the meantime, I decided to visit Central and while I was on my way, I called up my roomie and asked her if someone entered our hostel room and I explained what had happened. She told me that none entered the room and told me to call her up if I needed any help and keep her informed what I am doing. At that time, I didn't suspect her at all as she is very rich that she spends around 10K per day without worrying.
She asked me what I am doing. I said I am going to central to see if I can find out anything. She asked what can I find there. I told her I will call her later.
Then went to central, tried meeting the office people - they were of little help. Then if I hadn't told u before, there were 7 swipings between 12.17 hrs to 15.58 hrs(Shopped for 43K within 3.5 hrs).
One for 9990.00 in Just LifeStyle(Just In Vogue), 17500.00 in IIIrd Eye(a digi cam shop) , 1 said Madura Garments and the rest all said Hyderabad Central. Though 3rd Eye and Just LifeStyle are also in Central, thank God it showed its own names against swiping.
Somehow, got in touch with Just In Vogue. Initially, t he person in charge was reluctant to give any information. Then I had to say that I am "Fathima" and I am telling u that a fraud has been committed using my card in ur shop but u r not ready to give information. He said, he will give info only to bank and all that. I tried to find if its a guy's watch or a girl's watch,etc. At last he budged and showed the signature and details. The signature was totally different and the phone no left there in the bill was fake.
Then went to the camera shop and guy in charge was very helpful. He told it was a girl and she was roaming there for more than 1 hr in that area.
Then went to the back office of central. The guy over there was also helpful(None of the top officials were helpful) and led me at last to the CC footage room. (Usually, the footages get erased and re-written every 24 hrs. So I was afraid that it may get erased). There, somehow after a lot of convincing, they agreed to show it(as they said proper permission has to be obtained).
In the meantime, my roomie was calling to ask what I was doing. I was really getting irritated.
Then in one footage of the camera(I could give the timings the person was in each shop based on the swipings) in front of the watch shop, I saw a girl's back pose exactly at the swiping time. So got confirmed that it was a girl. But the camera at that place was not working properly, so could see only a blurred image.
Then I tried to see the footage was at another place. At that time, my roomie called up again and confessed again that she did it, and at the same time, I saw her in the camera.
She told me to come to room immediately and that she is not that type of girl,blah, blah, blah and that she will return back all the money and all that.
So, I got my money back later and all that...
Thanks to everyone who helped me in identifying the culprit...
posted by Fathima Sagar | 7:42:00 pm
12 Comments:
well done... going after it like that.
question: she knew the PIN?
~
Gokul
She doesn't know the PIN.
One doesn't need to know the PIN of debit cards for swiping in retail outlets. Only in a few cards, it is mandatory.
sema thrilling pa...neenga nejamavey Captain thanunga...pesama hyd police ku training pannalam...but whenever these incidents happening to u we also got the tips..like tht mobile, train tkt and now this...thanks for sharing...
Thanigai, prachnaila sikkradhulayum naan lead panra maadhiri theriyala?
Hmm...u r right! inimalavathu konjam ushara irunga ok...ama irctc la irunthu amnt refund aacha?
Dear Fathima,
Good work. The incident was narrated well.
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Good one, so glad you got it back.
Dear Fathima,
Good step by step narration, i could actually see you running around doing the investigations..must say hats off to this sherlock homes. Your post was informative, thrilling, detailed, interesting and totally awesome
I'm happy that you got back your card but am sorry that you had trouble.
wonderfull explanation..........gud CID work....
Hats off for ur investigation......i read this case to my parents too....they also appreciated it.......
Wow ! Well Done Brave Lady :) I never Knew my Friend is Bold Enough to do this. Really came over a thriller experience. But be Carefull. Best part you got back your Money !
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