What happens during a scam telephone?
Someone may call you claiming to be from your bank or building society acting in your best interests. Their aim is to discover your personal details including your account number, PIN number and 3 digital number on the back of your bank card. In short, they are after all the amounts they will need to access your bank account easily and transfer your money to them.
What is the most common type of fraudulent call?
When the scammer calls, they will claim they have noticed an unusual payment from your bank account and that they would like to investigate in for your benefit. They’ll claim they need your bank details so that they’can catch the person or persons involved.’ To encourage you to hand over your details, they will tell a somewhat credible narrative. It’s at this time that vulnerable people are often taken in.
What are they likely to say to make them sound genuine?
As most of us know that our banks would not contact us over the phone and ask us for personal information, the scammer may invite you to call the contact number on the back of your bank card to confirm the telephone is’genuine.’ If you do make the call to this number, the scammer retains the line open and intercepts the call so that you are put back either to the scammer or an accomplice, when you think you’ve been put through to your real bank.
Who does this usually happen to?
Often thieves will target the vulnerable people in our community: the elderly will frequently fall prey to this sort of crime.
Are there different types of fraudulent crime?
Yes, there are three which are the most commonly reported by victims. However, scammers try to come up with new ways all of the time, so you should stay vigilant.
1. To make the story seem even more plausible, the driver might not know he’s part of a scam.
2. Some victims are asked to purchase a costly thing on behalf of the scammer posing as the lender who wants to’catch the criminal by then handing over the item to see whether they will take it.’ The courier (often unknowingly part of the scam) comes to collect the item to’pass it on to the bank’ if it’s the scammer who actually collects it from the opposite end.
3. Victims are sometimes asked to move their entire account to a’protected account’ because of a supposed corruption at the bank. The money is directly transferred to the scammers bank accounts elsewhere.
If you know someone who may be elderly or vulnerable, remind them to remain vigilant when answering the telephone to people they do not know claiming they are from their bank or building society.
Banks won’t ever ask for your private information over email or telephone which includes your PIN number and bank details.