As long the signature is not same as your signature in the payslip, is consider not valid and you no need to make the payment.

As it is consider same case as the credit card been cloned. Furthermore the bank send you message is to identify is it you make the transaction or else there is no point to send you the message.

i've had experience with stolen card.

the ******* was trying to buy oakley sunglasses from the UK amounting to about RM5000.00 if not mistaken.
The card was charged.

I found out by actually visiting the last shop i went and asked to speak to the manager.

it seems she knew her staff was doing this, and she ultimately directed me to the person.

Had a serious talk and asked him to pay up whats due. Threaten him that i've filed a police report which i actually did.

Concurrently, through my bank, i managed to find out the UK store name and address.

Contacted them and asked to cancel the transaction cos my bank was stupid enough to allow it through.

They did, and it was refunded back to the bank.

I then filed a claims differences request with my bank, and they then funded what was balance of the payment (the shop refunded, and due to FOREX differences, the bank covered up the rest of the balance which was just like RM50.00)...

Finally,
through knowing some "important" guys in that particular town, he went and spoke to the bastards parents, and he manage to convince them to pay me up.

I requested the full amount, but settled for RM500. i didnt inform that i managed to cancel all transaction and got my money back.

That guy paid up.

Points to summarize;
1: through luck and homework i managed to find out the prepatrator.
2: through careful planning, i managed to get myself refunded.
3: through connections, i manage to get the ******* to pay me.

In the end, i manage to get extra RM500 free for that harrowing experience.

minus fuel and travelling costs, about RM 400 clean ! wohoo...

i then belanja all that were involved in the "operation"

case close.

i did cut my brand new UOB card when i receive it and read the t&c. it says unlimited liability if frauded.

TS, when is the fraud happened? Did you receive any SMS informing you there is a transaction happen with the above amount and where? According to BNM rules, all banks have to send notification to credit card user for any transaction that has been made. You can use this point to argue with the bank if you weren't received any SMS.

thanks for sharing ur story, so finally how is ur cased been settle? ya, sure i will go to make noise to them until i get a satisfied result... rather than keep quite and admit my wrong... maybe next week will going to bank negara to have an ask about this cased, and will go to bank to noise once i receive the statement.. hope this can reduce my burden...

How my case was solved? Bank paid half we paid half. For some crazy amount of electronics and furnitures that some Mat Salleh is probably still using now back in Dublin. lol

I still don't understand how was it stolen? How come only the card is missing whereas other things still intact?
Any places where you left your wallet unattended?

let say i apply for two card (different bank)
then they said approved.

I just need one card only.. so can i cancel either one?
with condition, must not activate it rite?

erk like that ha... ok then.. wait first la...

2)Citibank Credit Card
Example: Bank in RM5,000. Swipe RM4,000. Balance RM1,000.

Then you wish to take back RM1,000 for normal daily cash usage.
Go to Citibank ATM withdrawal RM1,000.
Amount deducted= RM1,000 + RM50(5% charge)
                        = RM1,050
My question is... WHY?!?!??! RM1,000 is my $$$$ in there!