Unfortunately fraudsters are out there. A couple of the latest telephone scams are detailed below – take a read to make sure you don’t get burnt!
Latest bank scam
The fraudster, claiming to be from your bank, says that they have spotted a fraudulent payment on your card or that your card is due to expire and needs replacing. You’re asked to call back using the telephone number on the back of your card – seems legitimate? However, the caller keeps the line open at their end so, when you make the call, you are unknowingly connected straight back to the fraudster.
In most cases you are asked to ‘cancel’ your existing card or ‘activate’ or ‘authorise’ a replacement card by keying your PIN into the handset of your phone.
The fraudster then poses as a bank representative who agrees to collect your card from your home, sometimes offering you a replacement card, which is a fake.
In some cases a genuine courier company is hired to pick up the card from your home address. The victim will have been asked to place the card into an envelope ready for collection – the fraudster now has your card and pin so they can start spending your money.
A variation of the scam involves the fraudster ringing the victim and claiming to be from the police – again with the aim of going to the victim’s home to collect the card and PIN.
To avoid being a victim of this scam, you should:
• Never hand your card to anyone - neither your bank nor the police would ever ring you and ask to come and collect your card
• Never enter your PIN into the telephone handset - your bank will never ask you to do this
• Never share your PIN with anyone
If you think you have been a victim, you should:
• Ring the police immediately on 999 if the criminals are nearby, otherwise report the crime to your local police via 101.
• Call your bank or card company immediately
Ministry of Justice (MoJ) scam
The MoJ govern companies that are advertising to help people get back money from banks that misled them into buying payment protection insurance (PPI).
Scammers are phoning people claiming to be from the MoJ and asking them for a fee to be paid before the money can be released. Usually the fee has to be paid by Ukash but sometimes the scammers ask for bank details.
If you’ve been affected by this scam report it to:
1) National Fraud Authority (NFA) on 0300 123 2040 or via their website
2) If you have lost money, contact Ukash who can try to block payment. Call 00800 247 85274 (UK only, calls from landlines are free).