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Scam and Cons

Be aware of scams and cons and know how to avoid them

 

Read some helpful advice provided by the Police of Cyber Crime.

 

June 2022

Beware the cheap car insurance that's too good to be true

Scammers are working harder than ever to trick cash-strapped drivers - and social media companies are failing to contain the problem.

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Fraudsters impersonate Dorset Council

With invoicing scam, Watch out for this fake email invoice phishing for your bank details

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Spot the Signs of Holiday Fraud

As travel restrictions become more relaxed, Action Fraud, the national reporting centre for fraud and cybercrime, is warning the public to remain vigilant against holiday fraud when booking flights or accommodation online.

In the financial year 2021/22, Action Fraud received 4,244 reports of holiday and travel related fraud – a substantial increase of over 120% when compared to the previous financial year.

Victims reported losing a total of £7,388,353 – an average loss of £1,868 per victim.

Action Fraud has launched a national awareness campaign today (Monday 23 May 2022) to urge the public to think twice before handing over money and personal information when booking holidays.

Pauline Smith, Head of Action Fraud, said:

“As the world begins to open up and travel restrictions relax further, it’s no surprise that more people are eager to get away and kick back with their loved ones after two years of lockdowns and restrictions.  

“Unfortunately, we know that as demand for holidays soar, so does the number of scams and criminals are always finding new ways to catch people out and make them part with their hard earned cash.

“When booking a holiday here or abroad, it’s so important to do your research before handing over any money or personal details. Trust your instincts and remember, if a deal looks too good to be true, then it probably is.”

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May 2022

Fake Ofgem EMails.

 

April 2022

 

Ticket to nowhere: don’t let ticket fraudsters take off with your cash

New data from Action Fraud, the national reporting centre for fraud and cybercrime, reveals that 4,982 people fell victim to ticket fraud in the 2021/22 financial year.

Action Fraud received 623 reports of ticket fraud in September last year – the highest number of reports received since March 2020, as most festivals and events operated as usual for the first time since pre-pandemic.

Detective Chief Inspector Craig Mullish, from the City of London Police, said:

“Criminals took advantage of coronavirus restrictions being lifted last summer and targeted victims looking for tickets to high-profile sporting events and festivals.

“We have seen reports of ticket fraud rise further this year as well. Many festivals and events for the summer have already sold out, so don’t be deceived by offers on secondary ticketing websites or social media, as this is often where criminals will advertise fake tickets to popular and sold out events. Remember: if a deal sounds too good to be true, it probably is.”

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March 2022

 

A Scam Alert from a Local Resident

 

January 2022

 

Over £145,000 lost to e-scooter scam websites

Victims have reported buying e-scooters online only for the e-scooter to not be delivered. By this point, they’re unable to contact the company as the website they made the purchase from has been closed down by its owners. Victims have reported losing over £145,000 to this type of online shopping fraud.

Action Fraud has also received reports of individual sellers offering e-scooters via online marketplaces and social media platforms and failing to deliver them once payment has been made.

We would like to remind the public that whilst the sale of e-scooters is legal, private e-scooters cannot be used in public places or on public roads. They should only be used on private land with the landowner’s permission. Those who disregard the law could face fines, seizure of their e-scooter, and points on their driving licence.

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Family members of online daters are being urged to help protect their relatives from becoming a victim of romance fraud, as new figures show almost £92 million has been lost through dating scams this year alone.

Daters who strike up online relationships between Christmas and Valentines Day tend to be the most susceptible to romance fraud, with a spike of 901 reports recorded by the National Fraud Intelligence Bureau (NFIB) in March 2021. 

Despite a peak of romance fraud reports and losses of £8.7 million reported in March, the financial spike came two months later in May 2021 where losses of a staggering £14.6 million were reported.

Temporary Detective Chief Superintendent Matt Bradford, from the City of London Police, said:

“Typically, romance fraudsters will spend weeks gaining their victims’ trust, feeding them fabricated stories about who they are and their lives - and initially make no suggestion of any desire to ask for any money, so the victim may believe their new love interest is genuine.

“But weeks, or sometimes months later, these criminals will ask for money for a variety of emotive reasons and as the emotional relationship has already been formed, victims often transfer money without a second thought.

“We’re calling on family members who think their relatives may be dating online to help make them aware of the warning signs that they could be falling victim to fraud, particularly if the person dating online is not particularly tech savvy .”

Criminals often use a range of stories to get victims to transfer them money without it raising suspicion. The stories are often believable, to a certain extent, and something that the victim would find hard to say no to, especially because of their emotional attachment.

Examples of stories include funding travel to visit the victim, money to pay for emergency medical expenses, lucrative investment opportunities and pretending to be military personnel or working overseas.

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November 2021

 

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Could you recognise a cloned company scam? Criminals are copying real websites to steal savings.

Could you recognise a cloned company scam?

The National Economic Crime Centre is targeting boomers in the run up to Christmas after latest figures from Action Fraud show more than £36 million has been lost to investment fraud via cloned company scams this year.

Warnings on how to spot and report cloned company investment scams will be shared across the National Crime Agency’s social media channels, with those aged 55 to 70 in mind.

Data shows 34% of this age group were impacted by cloned company investment fraud in the first six months of this year, with average losses of £39,218 per victim.

Investment fraud by way of cloned websites has been on the rise in recent years, with Action Fraud reporting a total of £78 million lost last year – the year of the first coronavirus lockdown.

The crime is committed when fraudsters replicate or clone real company websites by using the name, address and ‘Firm Reference Number’ (FRN) attached to a company and authorised by the Financial Conduct Authority (FCA).

Once a fake website is up and running, fraudsters typically draw people in with adverts on search engine websites and social media.

The promise is usually of an attractive return on an investment, most commonly on bonds, cryptocurrency and ISAs.

Returns advertised are typically moderate, but just above the market rate, making the adverts appear genuine.

Losses with one particular scam, which used the guise of a popular comparison website, recently totalled £750,000.

Victims of this scam described how they had searched online for investment opportunities, and were presented with an online form, similar to forms typically found on genuine comparison websites.

Those who completed the forms were then contacted by a fraudster purporting to be from a known investment firm. They were able to persuade the victims to invest their savings in non-existent bonds, quoting legitimate company details and even using the identity of actual employees of the company.

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The Fundraising Regulator, the Charity Commission for England and Wales, National Trading Standards and Action Fraud are joining forces to call on the public to give safely when donating online.

Data from Action Fraud reveals that £1.6m of the public’s money was lost to online charity fraud over the past year.

The fraud captured by this data includes asks for donations for non-existent charities and the fraudulent collection of funds from genuine charities. Action Fraud’s data shows that the £1.6m loss to fraud is up by 16% on the figure reported in the previous year.

The call for the public to give safely this Christmas is being co-ordinated by the Fundraising Regulator – the body which oversees charitable fundraising in the UK. It is encouraging the public to take steps to protect themselves online, particularly as the nation approaches the festive period, during which appeals for charitable donations increase.

The campaign is urging members of the public to conduct some simple checks before giving to charity, to make sure their donations reach the intended recipient. This includes:

  • Check the charity name and its registration number on the Charity Commission website to find out whether the charity is legitimate.
  • Use the Fundraising Regulator’s online Directory to find out whether a charity has registered with it and committed to excellent fundraising.
  • Look out for the Fundraising Badge on charity marketing materials – when people see it, they can have confidence in charity’s fundraising.
  • Ask questions about the cause – if people are still unsure about giving, they should always ask for more information. Legitimate causes will be happy to respond.

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A convincing WhatsApp scam where criminals pose as a friend or family member in need has cost users almost £50,000 in three months.

New data from Action Fraud, the national reporting centre for fraud and cyber crime, reveals a new emerging threat where victims are being targeted on WhatsApp by criminals pretending to be someone they know.

The scam has been reported to Action Fraud 25 times between August and October 2021 and has cost users a total of £48,356.

Criminals will typically claim to be a family member and will usually begin the conversation with “Hello Mum” or “Hello Dad”. They will say that they are texting from a new mobile number as their phone was lost or damaged and will go on to ask for money to purchase a new phone, or claim that they need money urgently to pay a bill.

The criminal will supply their bank details for payment, with some coming back with further demands for money. Criminals are successful in their approach as they are exploiting the emotional vulnerability of the public in an attempt to deceive victims 

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Online shopping scams cost shoppers £15.4 million over the Christmas period last year.

New data from Action Fraud, the national reporting centre for fraud and cyber crime, reveals that 28,049 shoppers were conned out of their money when shopping online over the Christmas period last year – an increase of almost two thirds (61 per cent) when compared to the same period in the previous year.

Ahead of Black Friday and Cyber Monday, Action Fraud is warning the public to take extra care when shopping online as reports of online shopping fraud have continued to surge. Here are some simple tips to help you and your family enjoy a secure online shopping experience this festive season.

Where to shop
Buying from an online store you haven’t used before? Carry out some research first, or ask a friend or family member if they’ve used the site and about their experiences before completing the purchase.

Your information
Only create an account if necessary or to save you effort if you’re going to use that site a lot in the future. Be cautious if the website asks you for details that are not required for your purchase, such as your mother’s maiden name or the name of your primary school.

Payment method
When it's time to pay for your items, check there's a 'closed padlock' icon in the browser's address bar. Use a credit card when shopping online, if you have one. Most major credit card providers protect online purchases.

Phishing
Some of the messages you receive about amazing offers may contain links to fake websites. If you’re unsure about a link, don’t use the it – go separately to the website. Report suspicious emails you receive by forwarding them to: report@phishing.gov.uk. Report suspicious text messages by forwarding them to: 7726.

Email accounts:
Make sure that your really important accounts (such as your email account or online shopping accounts) are protected by strong passwords that you don't use anywhere else.

Need help changing your email account password? You can use these links to find step by step instructions: Gmail, Yahoo! Mail, Outlook, BT, AOL Mail

If things go wrong
If you've lost money to an online shopping scam, tell your bank and report it as a crime to Action Fraud (for England, Wales and Northern Ireland) . By doing this, you'll be helping to prevent others becoming victims of cyber crime.

For more of the government’s latest advice on how to stay secure online, visit the Cyber Aware website: https://www.ncsc.gov.uk/cyberaware

 

It could be you: Lottery fraud reports reach highest levels in two years

New data from Action Fraud, the national reporting centre for fraud and cyber crime, reveals almost £1 million has been lost to lottery fraud in the past seven months.

What is lottery fraud?

Criminals will contact unsuspecting victims informing them they have won a lottery or prize draw. The victim is then informed that they will need to pay an advance fee in order to receive their winnings. In reality, the winnings are non-existent and it is an attempt to steal the victims money, personal or financial information.

Temporary Detective Chief Inspector Craig Mullish, from the City of London Police, said:

“Criminals are experts at impersonating organisations and will mimic a number of well-known prize draws to take advantage of unsuspecting victims.

“Remember, you can’t win a draw that you haven’t entered so if you’re contacted out of the blue claiming you’ve won a prize draw but can only access these winnings by paying an advance fee: stop and think as it’s likely to be a scam. This could protect you and your money.”

Between April and October 2021, Action Fraud received 629 reports of lottery fraud, with 89 per cent of reports mentioning well-known prize draws. Impersonation of People’s Postcode Lottery accounted for almost half (49 per cent) of all reports.

Almost three quarters of victims (70 per cent) were aged over 50, with those aged over 65 accounting for 40 per cent of reports.

Over half of the reports (59 per cent) mentioned being contacted via telephone. Other methods of contact reported by victims included email (21 per cent) and postal letter (10 per cent).

Almost have of victims (41 per cent) said they were asked to pay the advance fee to release the alleged winnings by purchasing gift cards and relaying codes to the fraudster.

Fraudsters use gift cards as a form of payment as they can be easily redeemed and sold on. These criminals also don’t need the physical card to redeem the value and instead get victims to share the serial code on the back of the card with them.

In other instances, victims reported being asked for personal and financial information in order to obtain their alleged winnings. Some victims reported providing their bank details thinking they would be sent a small payment to verify the account. In reality, criminals will use these details to steal the victims money.

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October 2021

 

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The National Economic Crime Centre has launched a campaign aimed at raising awareness of payment diversion fraud (PDF).

Working with partners in the National Crime Agency, City of London Police, UK Finance and Cifas, the multi-agency campaign aims to help small and medium sized businesses and home-buyers protect themselves.

PDF, also known as Business Email Compromise or Mandate Fraud, involves criminals impersonating others, creating or amending invoices and diverting payments to bank accounts under their own control. This can target both businesses and individuals.

Unlike some indiscriminate scams, PDF involves criminals deliberately targeting a specific individual. As a result, individual losses can be significantly higher than for many other types of fraud.

In the year to September 2021 there have been 4,600 cases reported to Action Fraud, with individual losses averaging around £30,000.

Businesses are particularly impacted with annual spikes in these frauds occurring in March and November, timed with financial year-ends.

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Action Fraud is warning the public to remain vigilant when making investments, as criminals cheat hundreds of millions of pounds out of victims through cryptocurrency fraud.

Data from Action Fraud, the national reporting centre for fraud and cyber crime, reveals a staggering £146,222,332 has been lost to cryptocurrency fraud since the start of this year – which is almost a third more (30 per cent) than  was lost throughout the whole of 2020.

Temporary Detective Chief Inspector Craig Mullish, from the City of London Police, said:

“Reports of cryptocurrency fraud have increased significantly over the past few years, which is unsurprising given everyone is spending more time online. Being online more means criminals have a greater opportunity to approach unsuspecting victims with fraudulent investment opportunities.

“We would encourage anyone thinking about making an investment to do their research first and to stop and think before making an investment as it could protect you and your money.”

Since the start of this year, Action Fraud has received 7,118 reports of cryptocurrency fraud, with an average loss per victim of just over £20,500.

18 to 25 year olds accounted for the highest percentage of reports (11 per cent) and over half (52 per cent) of victims were aged 18 to 45 years old.

One common tactic used to defraud victims is the use of celebrity endorsements. Criminals will present professional and credible looking online adverts, send emails and create websites to advertise fake investment opportunities, including cryptocurrency. Often, fake testimonials are accompanied with a picture of a well-known figure to help the investment seem legitimate. Between April 2020 and March 2021, Action Fraud received 558 investment fraud reports which made reference to a bogus celebrity endorsement – with over three quarters (79 per cent) of reports mentioning cryptocurrency as the commodity they invested in.

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What is cryptocurrency fraud?

Cryptocurrency is a digital or virtual currency designed to work as a medium of exchange. Cryptocurrencies are known for their market volatility so the value of investor’s assets go up and down quickly. As more people have invested their money in cryptocurrencies, criminals have capitalised on this as an opportunity to commit fraud.

Criminals advertise schemes promising, in some cases, high returns through cryptocurrency investing or mining. Frequently advertised on social media, criminals try to lure you in with adverts offering easy money quickly in order to obtain your money or personal information.

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September 2021

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Action Fraud is warning the public to protect their loved ones as criminals cheat older and vulnerable victims out of cash and high value items through courier fraud.

 

Data from Action Fraud, the national reporting centre for fraud and cyber crime, reveals that £10,325,133 has been lost by victims to courier fraud since the start of this year – an increase of almost two thirds (63 per cent) compared to the same period last year.

What is courier fraud?

Courier fraud is when victims receive a phone call from a criminal who is pretending to be a police officer or bank official. Typically, victims are told to withdraw a sum of money and someone is sent to their home address to collect it.

Criminals may also convince the victim to transfer money to a ‘secure’ bank account, hand over their bank cards or give the criminals high value items, such as jewellery, watches and gold (coins or bullion).

Temporary Detective Chief Inspector Craig Mullish, from the City of London Police, said:

“This is a dreadful crime in which fraudsters specifically target older and vulnerable people, by exploiting their trust. Courier fraud can have devastating consequences on victims, both financially and emotionally, which is why we’re asking the public to remain vigilant and follow some simple steps to help protect themselves and their loved ones.

“Remember, just because someone claims to know a few basic details about you, such as your name and your address, it does not mean they are genuine.”

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HMRC is warning university students to be wary of potential scams, especially if they have a part-time job and are new to interacting with the department.

 

University students taking part-time jobs are at increased risk of falling victim to scams, HM Revenue and Customs (HMRC) is warning.

Higher numbers of students going to university this year means more young people may choose to take on part-time work. Being new to interacting with HMRC and unfamiliar with genuine contact from the department could make them vulnerable to scams.

In the past year almost one million people reported scams to HMRC.

Nearly half of all tax scams offer fake tax refunds, which HMRC does not offer by SMS or email. The criminals involved are usually trying to steal money or personal information to sell on to others. HMRC is a familiar brand, which scammers abuse to add credibility to their scams.

Links or files in emails or texts can also download dangerous software onto a computer or phone. This can then gather personal data or lock the recipient’s machine until they pay a ransom.

Between April and May this year, 18 to 24-year olds reported more than 5,000 phone scams to HMRC.

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August 2021

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Alert for Facebook Market Sellers following a number of Fraud Reports.

We are urging those selling high value electrical items online, particularly on Facebook Marketplace, to be vigilant following a number of reports where people pretending to be ‘buyers’ have walked away with the goods after convincing the seller they have paid via bank transfer.

There have been a total of 21 incidents since August 14 across Hampshire.

Laptops, mobile phones, tablets, games consoles, a drone and a watch are amongst the items stolen, ranging in price from £370 to £3400.

Those pretending to be ‘buyers’ have answered a seller’s advert quickly and when they have turned up to collect the items, they have then convinced the buyer they have transferred the money by showing them the transfer on a banking app. When the sellers have said they can’t see the money in their account, the ‘buyers’ have convinced them it will appear soon and have left with the goods.

On some occasions, the ‘buyers’ have taken a photo of the seller on their doorstep and asked them to produce ID.

We know online buying and selling sites are really popular and are a great way to trade second hand items, however we want to remind people to please be vigilant when selling items in this way.

Our advice would be:
• Always check and be completely satisfied the money is in your bank account before you hand over the goods. Genuine buyers will accept that this is correct practice
• Have someone with you at home when prospective buyers attend, or arrange to meet them in a public place
• You do not need to show anyone ID. There should be no reason to pass over your personal details / ID to a prospective buyer
• If you believe someone has attempted to scam you in this way, please try and note down a description of the people involved or vehicle they travelled in and make a report.
• Report any suspicious activity via our online reporting tool https://www.hampshire.police.uk/ro/report/fo/v1/fraud/

 

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Action Fraud is reminding animal lovers to take extra care when buying a pet online, as new figures show more than £2.5 million has been lost to criminals through fake pet adverts.

 

Data from Action Fraud, the national reporting centre for fraud and cyber crime, reveals that £2,638,323 was lost by prospective pet owners in the 2020/21 financial year, after they put down deposits for pets they saw advertised online – an increase of over 20 per cent  compared to the previous financial year.

Capitalising on the rise in people getting pets due to the national lockdowns caused by coronavirus, criminals have been posting fake adverts on social media, online marketplaces and specific pet-selling platforms.

Unsuspecting victims will be asked to pay a deposit for the pet without seeing it in person first, with many criminals using the restrictions caused by the pandemic as a reason why they cannot see the animal. After the initial payment is made, more and more funds will be requested to cover additional costs such as insurance, vaccinations and even delivery of the pet.

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July 2021

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New warning from the National Fraud Intelligence Bureau (NFIB)

The National Fraud Intelligence Bureau (NFIB) is warning the public to be vigilant of scam calls that appear to be coming from numbers similar to their own. Commonly, the first seven digits (07nnnnn) match the victim’s own number. The calls impersonate well-known government organisations, or law enforcement agencies, and will ask the recipient of the call to “press 1” in order to speak with an advisor, or police officer, about unpaid fines or police warrants.

In May 2021, Action Fraud received 2,110 scam call reports where the caller’s number matched the first seven digits of the victim’s own phone number. Of these, 1,426 (68%) referred to HMRC or National Insurance.

Victims have also reported receiving these types of calls, and messaging, via widely-used messaging apps, such as WhatsApp.

Protect yourself - What you need to do

  • Government and law enforcement agencies will not notify you about unpaid fines or outstanding police warrants by calling or texting you. Do not respond to any calls or texts you receive about these.
  • Always take a moment to stop and think before parting with money or your personal information, it could prevent you from falling victim to fraud. Remember, it’s okay to reject, refuse or ignore any requests. Only criminals will try to rush or panic you.
  • If you receive a suspicious text message, you can report it by forwarding the message to 7726. It’s free of charge.
  • Suspicious telephone/mobile calls can be reported to Action Fraud via their website.

 

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June 2021

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Beware of Ticket Fraud

Action Fraud is warning the public to take extra care when buying tickets for festivals and events online, as figures from the national reporting centre for fraud and cybercrime reveal almost £1 million has been lost to ticket fraud so far this year.

Data from Action Fraud reveals that 1,085 reports of ticket fraud have been made so far this year, equating to an average loss of £850 per victim. Almost two thirds of victims (61 per cent) were aged between 20 to 49 years old.

Action Fraud received 374 reports of ticket fraud in March this year – the highest number of reports received since March 2020 when lockdown restrictions were first implemented. Victims reported losing over £200,000 in March this year alone.

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Census 2021 Phishing

t’s been a few months since the deadline for the 2021 census in England, Wales and Northern Ireland, but scammers are still trying their luck with fake texts threatening fines for not completing your survey properly.

Scammers are continuing to tell people that their Census submission either hasn’t been received or that information is missing, and because of this you risk being fined £1,000.

It’s suggested you can prevent being fined by clicking on a link included in the messages, but it will only take you to a fake website designed to steal your personal details. Any information you inadvertently hand over could then be used to target you with more sophisticated scams in the future.

 

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Is your Bank protecting you from Number Proofing Scams?

Any phone number advertised to customers is also advertised to scammers, making them vulnerable to spoofing. Banks can protect their outbound numbers so that scammers can’t copy them, but not all have done so, Which? Money reveals. Number spoofing is a valuable tool for scammers: by manipulating caller ID to show a number that matches the one on the back of your debit card, for example, they stand a much better chance of convincing you to part with your life savings. To help tackle this, Ofcom has worked with the banking industry body UK Finance to identify a list of ‘do not originate’ (DNO) numbers – in short, those that are never used for outbound calls. But not every bank is making use of this scheme, making life far too easy for scammers.

Read more: https://www.which.co.uk/news/2021/06/is-your-bank-protecting-you-from-number-spoofing-scams/ - Whic
Any phone number advertised to customers is also advertised to scammers, making them vulnerable to spoofing. Banks can protect their outbound numbers so that scammers can’t copy them, but not all have done so, Which? Money reveals. Number spoofing is a valuable tool for scammers: by manipulating caller ID to show a number that matches the one on the back of your debit card, for example, they stand a much better chance of convincing you to part with your life savings. To help tackle this, Ofcom has worked with the banking industry body UK Finance to identify a list of ‘do not originate’ (DNO) numbers – in short, those that are never used for outbound calls. But not every bank is making use of this scheme, making life far too easy for scammers.

Read more: https://www.which.co.uk/news/2021/06/is-your-bank-protecting-you-from-number-spoofing-scams/ - Whic

Any phone number advertised to customers is also advertised to scammers, making them vulnerable to spoofing. Banks can protect their outbound numbers so that scammers can’t copy them, but not all have done so. Number spoofing is a valuable tool for scammers: by manipulating caller ID to show a number that matches the one on the back of your debit card, for example, they stand a much better chance of convincing you to part with your life savings.

To help tackle this, Ofcom has worked with the banking industry body UK Finance to identify a list of ‘do not originate’ (DNO) numbers – in short, those that are never used for outbound calls. But not every bank is making use of this scheme, making life far too easy for scammers.

 

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Scams warning for tax credits customers

Tax credits customers should be vigilant and alert to potential scams, HM Revenue and Customs (HMRC) has warned, as the remaining annual renewal packs will arrive in the post this week.

 

In the 12 months to 30 April 2021, HMRC responded to more than 1,154,300 referrals of suspicious contact from the public. More than 576,960 of these offered bogus tax rebates.

In the same period, HMRC has worked with telecoms companies and Ofcom to remove more than 3,000 malicious telephone numbers and with internet service providers to take down over 15,700 malicious web pages. HMRC responded to 443,033 reports of phone scams in total, 135% up on the previous year.

Anyone doing their tax credits renewal who has received a tax or benefits scam email or text might be tricked into thinking it was from HMRC and share their personal details with the criminals or even transfer money for a bogus overpayment.

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