Very clever credit card scam! This is a new one! (02/10)
Members are urged to read this article. To open, click HERE
‘WHAT’s APP’ SCAM (02/10)
A colleague reports receiving an email from what’s app, saying you have been with us over a year now and you now need to pay an annual subscription of 89p to keep your membership. They wanted me to fill in a form for the subscription which included my account details. I contacted what’s app. This is a scam, they do not charge subscription, it is free. Just thought you could warn any of your members.
As part of a modern society the way we shop has changed dramatically. Cash and cheque used to be the currency of choice but every year more of us are choosing to do our shopping using cards and online banking. Although fraud comes in many forms, there are some simple steps you can take to protect yourself from the crime.
– Do not give any personal information (name, address, bank details, email or phone number) to organisations or people before verifying their credentials.
– Many frauds start with a phishing email. Remember that banks and financial institutions will not send you an email asking you to click on a link and confirm your bank details. Do not trust such emails, even if they look genuine. You can always call your bank using the phone number on a genuine piece of correspondence, website (typed directly into the address bar) or the phone book to check if you’re not sure.
– Destroy and preferably shred receipts with your card details on and post with your name and address on. Identity fraudsters don’t need much information in order to be able to clone your identity.
– Make sure your computer has up-to-date anti-virus software and a firewall installed. Ensure your browser is up to date and set to the highest level of security notification and monitoring to prevent malware issues and computer crimes.
– Sign-up to Verified by Visa or MasterCard Secure Code whenever you are given the option while shopping online. This involves you registering a password with your card company and adds an additional layer of security to online transactions with signed-up retailers.
– If you receive bills, invoices or receipts for things you haven’t bought, take action. Your identity may have been stolen.
– Be extremely wary of post, phone calls or emails offering you business deals out of the blue. If an offer seems too good to be true, it probably is. Always question it.
– If you have been a victim of fraud, be aware of fraud recovery fraud. This is when fraudsters pretend to be a lawyer or a law enforcement officer and tell you they can help you recover the money you’ve already lost.
Hopefully you will never be unlucky enough to be a victim of fraud but you can rest assured that by following some, if not all, of the suggestions above, the possibility becomes less likely. If you need advice about fraud, you can contact Action Fraud on 0300 123 2040 to discuss your situation.
70+ SCAMS AND HOW TO AVOID THEM (27/05/18)
Comparitech have kindly offered us access to their list of 70+ common scams (online and offline) and guidance on how to avoid them. To access the comprehensive A-Z of common scams, schemes and fraud, click HERE
WARNING! THAT HOLIDAY YOU BOOKED ONLINE MAY NOT EXIST
FAMILIES are being conned out of more than £2million a year by fraudsters selling bogus holidays online.
The internet has revolutionised the way we look for and book our holidays. The unfortunate reality is that it is also being exploited by fraudsters who use online offers of accommodation and flights that do not exist, or promise bookings that are never made to rip off unsuspecting holidaymakers.
Disappointed travellers have found Mediterranean villas or apartments they thought they had paid for did not exist. UK caravan stays were also targeted, with fake promotions for accommodation posted on Facebook, as well as advertising websites Craigslist and Gumtree.
Fraudsters often set up fake web sites, mirroring those that provide genuine holidays. In other cases, criminals offer bogus airline tickets or fake packages linked to sporting events such as the World Cup.
How to avoid the website scammers
– Check the website address is legitimate and has not been altered by slight changes to a domain name, such as going from .co.uk to .org.
– Read reviews of the accommodation or company. People who have been defrauded are likely to have posted warnings online.
– Is the company a member of a recognised trade body such as ABTA? You can verify membership of ABTA online, at www.abta.com
– Never pay directly into an owner’s bank account. Paying by direct bank transfer is like paying by cash. The money cannot be traced and is not refundable. Where possible, pay by credit card or debit card that offers protection.
– Study invoices and the terms and conditions. Be very wary of companies that do not provide any.
– Use your instincts. If it sounds too good to be true, it probably is.
– Report it. Victims should contact Action Fraud on 0300 123 2040 or visit www.actionfraud.police.uk
The following previously published articles are still available to view:
How to deal with fraudulent emails
To open click here
The eight things your bank will never do
To open click here
How to keep your identity safe online
To open click here