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The Watercooler
sort of creepy- how do they know?
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<blockquote data-quote="Marguerite" data-source="post: 26971" data-attributes="member: 1991"><p>Donna, you said, "The one I usually shop in doesn't do it electronically, but they no longer ask for ID when you give them a check! I have it out and ready, out of habit, and they tell me they don't need it! Must be my "honest face" again!"</p><p></p><p>The thing is, all the store wants is to be paid. They really don't care if it's counterfeit or not because if it IS fraudulent, the bank's insurance will cover it.</p><p></p><p>We've been told in Australia that if we are fleeced by a scammer (either an email scam or a skimmer on the ATM) that the bank will reimburse us what we've lost, as long as we didn't actively participate in the scam. So if I get an email asking me to log ono to a site that looks like my bank's, and type in my PIN, they will reimburse me (they used not to, if you gave your PIN to someone who then robbed you). They will only NOT pay up if I wrote the scam. Then, of course, I would be prosecuted instead.</p><p></p><p>Insurance pays for it all. And we all pay for the insurance, in higher bank charges, higher account-keeping fees and lower interest rates.</p><p></p><p>And Donna, if that's a forged cheque you're passing, they WILL find you and take it out of your hide later. And it won't be Walmart you're dealing with, it will be the insurance company's debt recovery people and the law.</p><p></p><p>These days it's almost impossible to not have a computer file on you spread like a rash over the networks. Anonymity is long dead.</p><p></p><p>Marg</p></blockquote><p></p>
[QUOTE="Marguerite, post: 26971, member: 1991"] Donna, you said, "The one I usually shop in doesn't do it electronically, but they no longer ask for ID when you give them a check! I have it out and ready, out of habit, and they tell me they don't need it! Must be my "honest face" again!" The thing is, all the store wants is to be paid. They really don't care if it's counterfeit or not because if it IS fraudulent, the bank's insurance will cover it. We've been told in Australia that if we are fleeced by a scammer (either an email scam or a skimmer on the ATM) that the bank will reimburse us what we've lost, as long as we didn't actively participate in the scam. So if I get an email asking me to log ono to a site that looks like my bank's, and type in my PIN, they will reimburse me (they used not to, if you gave your PIN to someone who then robbed you). They will only NOT pay up if I wrote the scam. Then, of course, I would be prosecuted instead. Insurance pays for it all. And we all pay for the insurance, in higher bank charges, higher account-keeping fees and lower interest rates. And Donna, if that's a forged cheque you're passing, they WILL find you and take it out of your hide later. And it won't be Walmart you're dealing with, it will be the insurance company's debt recovery people and the law. These days it's almost impossible to not have a computer file on you spread like a rash over the networks. Anonymity is long dead. Marg [/QUOTE]
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