Last week, whilst I was off drinking wheat beer and eating sausage in sunny Bremen, someone bought £1, 400 worth of laptop computer. Considerately, he used my credit card account to do so. It so happens that the computer company employs an administrator with gimlet eye and a suspicious nature. She hunted me down via the internet and left me a message informing me of the transaction. I wasn’t there to receive the message as at that precise moment I was stood in front of an equally suspicious Bremen hotelier who was holding my card in her hand and wanting to know why it had been declined.
I assumed that paying for three cheap hotel rooms in a German port had tripped some fraud detection algorithim so when my clerks phoned to say that I had had a message from someone about credit card fraud I assumed I knew what had happened. Once the truth was known it was the weekend and I had to wait until yesterday to contact Miss Marple at the computer company.
Miss M was in top form. She promised me an immediate refund and then, barely able to contain her glee, indicated that the fraudster had been dim enough to give them his name, address, email address and two mobile contact numbers. Now even assuming that some of that information was false, the delivery address was obviously a good lead. I agreed with her that it wasn’t going to take Sherlock Holmes (or even Officer Dibble) to get onto the trail of this genius.
I contacted the credit card company who confirmed the card was cancelled and provided me with a special number for police inquiries so that the officer assigned to what I was already envisaging as “Case of the Century” need not spend 40 minutes in a phone queue listening to “Una Paloma Blanca” played on the pan pipes by a man with a tracheotomy.
Being a good citizen I did not complain when the Police informed me that their telephone service was under-resourced and that I should ankle down to the station and report the crime in person. In fact, to ease their task I wrote all of the information they could need out in a short typed document. Just in case that was not clear enough (or I was not persuading you all that I am sufficienly anal) I made sure that the key information was in bold type.
I handed my document over to the desk officer with a flourish and within seconds we were riding in the back of a panda car, lights flashing, sirens blaring, on our way to the East London lair of our fraudster. Actually that is a lie. He took a look at one side of the paper and handed it straight back to me.
Heroic Police Officer: “I need a statement”
Me: “What kind of statement?”
HPO: “A bank statement to show the money left your account”
Me: “This only happened three days ago and the account is now closed”
HPO: “But I need a statement”
Me: “I do not want to appear rude but may I inquire as to why?”
HPO: “Because you could just be coming in here and saying you had your credit card used. How are we to know?”
Me: “I could see that my reporting a crime might require you to perform some kind of investigation. Isn’t that usual?”
HPO: “Without a statement how are we to know?”
Me: “Wouldn’t the Credit Card Fraud Department phone number be some help? You could call them and they will confirm.”
He looked at me resentfully and clicked at his biro. He then stared at the phone number as if he thought it might ring. Then he looked at me again and said:
“We need a statement”.
So off I went crime unreported. Just between you and me I think now might be an opportune time to get into credit card fraud were you considering it as a career option.