Thanks to Dinar Recaps Post
Post By Smee2 Dinar Vets 02/27/2012
Someone put up a post about being asked for his driver's license while trying to purchase more dinar and he was upset and wanted to cancel his purchase. There is a legitimate reason for the request and it is actually for YOUR protection. Read on ...
All this commerce by computer is making some strange demands on us, the consumer. I read your post and thought, this must be the next "glitch" that are going to have people pulling their hair out. This used to be an area of expertise for me years ago and though things change, they don't change all that much. So, try this on for size.
Some not-so-nice people, let's call them crooks, will get hold of some of your personal information. Oh heck let's call them identity thieves, it fits. It is fairly easy to get your credit card number, they can get it without you even opening your wallet with some of the newest scanning equipment.
They are still getting card numbers with the old double receipt ploy and several other sneaky tricks. But those numbers do not always come with an address. Take a look at your credit cards. Do any of them have your address on them? Didn't think so.
So, these crooks, oh no, I mean these identity thieves get your credit card number. They go on line and they buy ... oh, let's say three million dinar, just as a for instance.
First of all, if the card is declined at the end of the transaction, they will re-enter the information for the purchase of two million. See, if the card isn't authorized for the amount they are trying to charge, it will be declined.
By lowering the amount once or twice, the thieves are likely to hit on the right amount that will be accepted. If they blow it altogether and none of it is accepted and maybe their lowest amount of the three would be say $1000, then they will try again in a couple of days.
If they try more than three times and it is declined that often, an immediate red flag goes up and you may get a call from the credit card company asking if you are in possession of your card and have you been trying to use it in the past hour, or whatever.
If you have not they warn you that your card may have been compromised. That someone has the number. And then you have the chance to have them stop all transactions on that number and give you a new number and card. Didn't know any of that?
Well, it could save you a bundle. If the crooks find out that your charging per day limit is $1000 they will charge just under that amount every day until the account limit is reached and the card declined.
Okay, lets get back to the address part of this. The identity thief will start out with your number. And they go through whatever process they have to in order to find out how much they can take at a time from your account. Then they will use it.
If they are ordering on line there is a place to put the delivery address. They can pick a vacant lot. They can specify one or two day delivery in a lot of cases. They can then take a van, wait at the address they gave, take delivery of the goods, and drive off.
In case a vacant lot seems to obvious, they will use an apartment building, and get in to the lobby area and wait there for the day. Each time someone comes to the door to come in, usually a resident, they will come and open the door for them. Why?
Because they want to meet the delivery person even before he tries to push a button for your apartment number, which may not even be on the listing, because the crook may have given a non-existent apartment.
But he will make sure that he is there to open that door. And when it is the delivery man, he'll ask where the delivery man is going because he (the crook) is waiting for a delivery. "Oh, that's me," he says. And he scribbles a signature and takes the package.
See, if the company you are buying from does not have your real address, and use a phoney supplied by the crook, then the delivery company is delivering to the phoney address and the crook is there waiting, and when you call to complain because you were charged for something you didn't get, didn't even order, didn't even want ... you are the one stuck paying anyway.
And if the crook can give a phoney address, maybe a real building but a phoney apartment number, one that doesn't exist ... the trail ends there.
So, to combat this, companies are now beginning to ask for proof of your address for shipping purposes. Hence the request for a fax of your drivers license.
The day may come when direct mailers and on line sellers may be able to tie into department of motor vehicles, or whatever it might be called where you live, and just by asking you your drivers license number they can look up your address to make sure the address they have been given for delivery is legitimate.
And that, dear DV friends, is why you may be asked for a copy of your driver's licence. So don't go off and get angry with the company ... it is just more progress.