Credit Card Fraud Defence Solicitors

Credit card fraud is a criminal offence that occurs when unauthorised individuals use someone else’s credit card to make purchases or access services.

If you are accused of credit card fraud, seeking expert legal guidance from experienced credit card fraud solicitors is essential.

At Moeen & Co. Solicitors, our criminal defence solicitors have extensive experience in handling complex fraud cases, including credit card fraud. We will explain your legal rights, guide you through the investigation process, build a strong defence, and provide advice on the best course of action.

Facing credit card fraud accusations? Contact Moeen & Co. Solicitors at 0203 959 7755 or email us at info@moeenco.com for advice on credit card fraud allegations.

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What Is Credit Card Fraud?

Credit card fraud occurs when someone uses another person's credit card or credit card information without permission to buy goods or services. This can happen with stolen cards, counterfeit cards, fraudulent online purchases, or identity theft.

It's not just about stolen cards; it also includes fraud online or over the phone.

Types of Credit Card Fraud in the UK

In the UK, there are several types of credit card fraud. Here are some common ones:

1. Stolen Card Fraud

This is when someone uses a stolen card or card details. It can happen if a card is stolen or if personal info is hacked online.

2. Application Fraud

This is when someone applies for a card with false information. They might use someone else's name or give the wrong financial details.

3. Card-Not-Present Fraud

This fraud happens online, where the card isn't needed. It often involves stolen card details from data breaches or phishing.

4. Account Takeover Fraud

Fraudsters take over a card account by getting the owner's details. They can then make fake purchases.

5. Counterfeit Card Fraud

This is making and using fake cards with stolen information. These cards might be copied from magnetic strips or made with stolen data.

6. Friendly Fraud

Also called chargeback fraud, this is when a cardholder disputes a valid purchase. They often claim they didn't make the purchase.

What are the Penalties for Credit card fraud in the UK?

Credit card fraud is a criminal offence in the UK that comes with severe penalties, ranging from 7 to 10 years in prison and/or an unlimited fine.

The severity of the fraud and other aggravating factors could also affect the severity of your sentence.

Credit card fraud in the UK can result in severe penalties under the Fraud Act 2006 and the Theft Act 1968, including:

• Up to 10 years in prison and/or an unlimited fine for fraud under the Fraud Act.
• Up to 7 years in prison for theft under the Theft Act.
• Additional fines or restitution orders may apply if significant sums are involved.

What is the Maximum Sentence for Credit Card Fraud in the UK?

The maximum sentence for credit card fraud under the Fraud Act 2006 is up to 10 years imprisonment. If charged under the Theft Act, the penalty could be up to 7 years.

Can I Be Convicted of Credit Card Fraud Without Using a Physical Card?

Yes, credit card fraud can involve card-not-present transactions. This means using stolen card details for online or phone purchases, which is considered fraud.

How Long Does a Credit Card Fraud Case Take in the UK?

The time a credit card fraud case takes varies. It depends on the case's complexity, the amount of evidence, and whether it goes to trial. Cases can be resolved in a few months or take longer.

Can Credit Card Fraud Charges Be Dropped?

Yes, charges can be dropped if there is insufficient evidence, procedural errors, or if a strong legal defence challenges the prosecution’s case. An experienced fraud defence solicitor can help get charges reduced or dismissed.

How Can I Defend Myself Against Credit Card Fraud Charges?

If accused of credit card fraud, consult with our experienced credit card fraud solicitor immediately to receive legal advice and evaluate the strength of the case.

To defend yourself against credit card fraud charges, there are several possible strategies:

Lack of Intent

Often, the prosecution must show that the defendant meant to commit fraud. A defence might argue the defendant didn't intend to defraud, maybe due to a mistake or lack of knowledge.

Mistaken Identity

If the defendant was wrongly accused, they might have a strong defence. This could happen if they were using a joint account or didn't know about the fraud.

Coercion or Duress

If the defendant was forced to commit fraud, they might avoid conviction. This could be due to threats or duress.

Lack of Evidence

Fraud charges can be hard to prove without solid evidence. If the prosecution can't link the defendant to the crime, the case might be dismissed.

Fraudulent Transactions by Another

If someone else used the defendant's credit card without their consent, this could be a strong defence.

What Should I Do If I Am Accused of Credit Card Fraud?

If you are accused of credit card fraud, the first step is to contact Moeen & Co. Solicitors at 0203 959 7755 to get legal advice and understand the charges.

Our fraud defence solicitor can explain your legal rights, advise you on the best course of action, and help you understand the potential consequences of the charges.

Credit card fraud accusations can be serious, but it's important not to panic. Stay calm and make sure you fully understand the charges being brought against you.

Do not discuss the details of your case with family, friends, or colleagues, as anything you say could be used against you in court. Be cautious with emails, texts, or social media posts that could be misinterpreted or used as evidence.

If you are under investigation for credit card fraud, you should:

• Seek immediate legal advice from a specialist fraud solicitor.
• Do not answer questions from authorities without legal representation.
• Gather relevant documents and financial records to support your defence.

What is the Role of a Credit Card Fraud Solicitor?

Credit card fraud defence solicitors specialise in providing legal representation to individuals facing allegations of credit card fraud.

Our team of credit card fraud solicitors build strong defence strategies, challenges evidence, and advocates for our clients throughout legal proceedings.

How Can a Credit Card Fraud Solicitor Help?

A credit card fraud solicitor provides legal representation and defence strategies for individuals or businesses accused of fraud.

Here's how our fraud defence solicitors can provide legal assistance:

• Provide Expert Legal Advice: Clarify charges and legal rights.
• Build a Strong Defence: Analyse evidence and identify weaknesses in the prosecution's case.
• Gather Evidence: Collect supporting documents, witnesses, and expert testimony.
• Challenge Evidence: Dispute the validity of evidence or question its credibility.
• Negotiate Plea Deals: If appropriate, our solicitor can negotiate a plea bargain to reduce charges or penalties.
• Represent in Court: Defend the case during hearings and trials.
• Advocate for the Defendant's Rights: Ensure legal protections are upheld throughout the process.

By offering these legal services, our fraud defence solicitors aim to minimise the impact of credit card fraud charges and protect the defendant's interests.

24/7 Legal Support

An arrest can happen anytime. That's why our criminal defence solicitors are available 24 hours a day, 7 days a week. Our team is always ready to help, ensuring you get fair and professional help from the start.

No matter where you are, our team of specialist fraud defence solicitors based in Hayes, London, offers 24/7 legal advice and representation throughout the UK.

Contact Our Credit Card Fraud Solicitors

If you're being investigated for credit card fraud, contact our credit card fraud solicitors in Hayes, London, at 0203 959 7755 or email info@moeenco.com today.