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Posted: 08 December 2014 10:46:54(UTC)

Joined: 10/08/2012(UTC)
Posts: 372

Thanks: 186 times
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Staying safe – key tips to help
stop the threat of fraud
Never give out your security details
Information like your card PIN, One Time Passcode
(OTP), password or security numbers are personal to
you and shouldn’t be shared with anyone – not even
your bank. Santander or the police will never ask you for
PINs, passcodes in full or to surrender your card. We will
only ever ask you for part of the details, such as the first
and fifth letters of the password.
 Alert us when you change your postal address,
phone number or email address
This is so we can always get in touch with you to
talk about important information relating to your
account. To help protect your account, we’ll also
contact you about any suspicious transactions, even
when you’re abroad.
 Never transfer money out of your account for
security reasons
We will never ask you to do this. If you’re asked to
transfer money out of your account for security reasons,
end the call immediately, wait ten minutes if using the
same phone line, and call us.
 Never reply to emails asking for your personal
or security information
We’ll never email you to ask for your information. If you
get an email like this, it could be a fraudster trying to
get your confidential information. Our emails will always
be addressed to you and won’t have a standard ‘Dear
Customer’ greeting.
 Download free online security software
We always use the trusted online security software
Trusteer Rapport. This is free and it helps to protect you
when using Online Banking. It can also be used\securitycentre
with any standard anti-virus product

Telephone scams
The courier scam
This is the most common telephone scam.
■ A fraudster calls you posing as your bank, a police officer or an
official from another organisation.
■ They advise you to call your bank or 999 to verify their call.
■ However, the fraudster doesn’t disconnect the call and stays
on your line, tricking you into believing you are on a new call
and connected to your bank or the police.
■ The fraudster will then convince you to enter your PIN details
into the phone and tells you a courier will be sent to collect
your card.
■ The fraudster now has your PIN. So once they collect your
card they can withdraw cash and spend in retail outlets.
Other scams to be aware of
Buying scams
■ These scams are where you find an item online at a very
reasonable price.
■ However, after talking to or emailing the seller, you’re told
that the item (such as a car) can’t be seen in person. But
they’ll persuade you to transfer money to secure the item.
■ Sometimes they send you a website link to send the payment
to. This is to make the transaction look real.
■ Beware – the site may look like a well-known website, but the
links will take you to a fake website.
■ Once the funds are transferred into the fraudster’s account,
the seller and listing vanish. And it’ll leave you without the
item or your money.
Selling scams
■ Be careful when you’re selling something. A buyer could
be a potential fraudster. Here’s how they do it.
■ The buyer will give you a cheque of greater value than
the value of the item being sold. They ask for the extra
money to be transferred back or sent to a third party,
for example a ‘shipping agent’.
■ Once this has been done by the seller, the cheque
bounces and the buyer then disappears, leaving the seller
out of pocket.
Phishing and malware – this scam is growing in popularity,
so be extra careful.
■ This is where you get a generic email from your bank or
another oganisation to warn you there’s a problem with your
account. (You might even get an email from a bank that you
don’t bank with.)
■ Normally the email says there could be a disruption to
your service.
■ The email usually has a link to a website that looks like the
bank’s website, and they ask you to log in to fix the problem.
■ However, the website is actually fake and your details are
taken, allowing the fraudster to log in to online banking and
use your account.
■ Also beware of calls claiming to be from IT help centres or
recognised software providers asking to remotely log on to
your PC. By allowing this a fraudster can access and use your
online banking, gain access to your personal information or
download viruses and malware to your PC.
Requests to transfer funds
■ Another popular telephone scam involves a fraudster
calling you, again posing as your bank or another
organisation and getting you to call back for
■ They tell you that you’re at risk of fraudulent activity and
must transfer your funds into a ‘safe account’.
■ You will often be pressured to act immediately.
■ This ‘safe account’ is actually the fraudster’s account, so
your money is sent directly to the fraudster.
Requests to withdraw cash
Some fraudsters pose as police officers to persuade
you to visit your local branch and withdraw funds from
your account. They’ll tell you that you’re helping with a
police investigation.
■ The fraudster will tell you not to tell the staff at the branch
and lie about the real reason for the withdrawal.
■ Once withdrawn, the money is collected in person from
you by a courier or the fraudster themselves.
■ Some fraudsters might ask you to make a high
value purchase, for example a watch, which is taken
by the fraudster.

extra advice. 08/12/14Online Banking

Bank Safe Online logoOnline banking is a very secure and convenient way to access your bank's services. However, you need to be wary of fraudsters trying to gain access to your account. This is usually by trying to dupe you into handing over security information such as your username, passwords or your memorable information.

How to bank safely online

Never login to your bank website through a link in an email, even if the email appears to have come from your bank. Type the web address into your browser yourself.

The login pages of bank websites are secured through an encryption process, so a locked padlock or unbroken key symbol should appear in your browser window when accessing your bank site.

The beginning of your bank's internet address will change from 'http' to 'https' when a secure connection is made.

Be wary of any unexpected or suspicious looking pop-ups that appear during your online banking session.
Stop and think about the process you normally go through to make a payment to someone – be suspicious if it differs from the last time you used it.

Fraudsters sometimes try to trick people into making a real payment by claiming "it's just a test".
Never give anyone your login details in full either by email or over the phone – your bank will never request these in this way.
Check the online banking security options your bank provides; some offer free anti-virus and browser security software.
Check your bank statements regularly and contact your bank immediately if you spot any transactions that you didn't authorise.
When sending money via your online bank account, always double check the amount you are sending as well as the account number and sort code you are sending it to.
Make sure your bank has your up-to-date contact details.
Browsers often come with security features built in. Make sure they are activated.

Mobile Banking

How to bank safely on your mobile device

If you bank online and have a mobile device with an internet browser you should be able to access your bank's website just as you would if you were accessing it on a traditional computer.

If you use a smartphone you can usually download a dedicated app (application) provided by your bank. Apps provide a similar but alternative way of accessing your online bank account and are designed for ease of use and convenience. An app is a small piece of software designed for use on smartphones and tablet devices.

However, you should always follow the advice below when downloading a piece of software onto your smartphone, especially if it is an app that requires internet access when you use it.

Here are some essential tips:

Mobile banking: If you use an app to access your online banking, only use the official app provided by your bank. If in doubt, contact your bank to check.

App stores: Only download apps from official app stores, such as Apple iTunes, Android Marketplace, Google, Play Store and BlackBerry App World. Free apps are great but downloading them from unofficial or unknown sources could lead to your device becoming infected with a virus.

Update: Keep your smartphone's operating system updated with the latest security patches and upgrades. These will normally be sent to you from your operating system provider.

Smartphone security controls: Think carefully before removing any security controls from your mobile device.

This is known as 'jail-breaking' or 'rooting' your device which will weaken the

security of your device and expose you to additional risks. Some banks may restrict or prevent you from using their service from a mobile device if it has been jail-broken or rooted.

Passwords: Do not give your mobile banking security details, including your passcode, to anyone else and don't store these on your device. For added security you should set up a password or PIN to lock your mobile phone or tablet device.

Anti-Virus: Just like on your computer, there are anti-virus tools available for your mobile device. Consider using a reputable brand of software. Some banks offer customers free anti-virus software for their mobile phones, so check your bank's website for more information.

What to do if you think you have been a fraud victim

If you spot any unauthorised transactions on your online bank account, contact your bank immediately.

If you are a victim of fraud you have legal protection which means that you will not be liable for any losses unless you have acted fraudulently or without reasonable care.

Protecting Your Computer

Whatever you use the internet for it is vital that you take a few basic steps to ensure that your computer is protected against the latest threats. Just as you protect your house with locks on windows and doors and maybe also a burglar alarm, it is essential that you protect your computer by using up-to-date anti-virus software, doing regular scans of your computer to check for viruses, installing a personal firewall as well as downloading the latest security updates for your web browser and operating system.

The three essential steps to protect your computer are:
Use anti-virus software and keep it up-to-date on a regular basis.
Install and learn how to use a personal firewall.
Download the latest security updates (or patches) for your web browser and operating system.
Most operating systems and internet browsers already come with various security features such as firewalls, automatic security updates and website filters. You should enable these security features. You should also consider installing additional security tools, designed to provide your computer with extra protection, such as anti-spyware and browser security software.

None of these tools alone can guarantee 100% protection all of the time but together they will considerably reduce the chances of your computer becoming infected and fraudsters capturing your sensitive information.

What is anti-virus software?

Anti-virus software is designed to prevent your computer from becoming infected with malicious software (malware) such as viruses and Trojans. It will scan your computer and alert you if it finds any malware. If your computer does become infected, the software will attempt to remove the infection.

What anti-virus software should I use?

There are lots of different anti-virus products to choose from. None can guarantee 100% protection but they do increase your security considerably and reduce the chances of your computer becoming infected.

Some banks offer their customers free security tools such as anti-virus and browser security software. It is highly recommended that you download and use these tools. Refer to your bank for more detail on what they provide.Why do I need to keep my anti-virus up-to-date?

Just like in the real world, fraudsters are always looking to use new techniques to help them steal something. The internet is no different. Keep your anti-virus software up-to-date to help detect and prevent new strains of malware from infecting your computer.

Watch out for Rogue Anti-Virus Software Scam

Beware of 'rogue' anti-virus/scare ware. This scam involves fake security pop-ups warning you of an infection on your computer. This is done to trick you into downloading malicious software which prevents your computer from running properly; you are then asked to make a card payment to have it fixed.

The fake pop-ups can look very genuine and may contain familiar wording to real anti-virus software. If you come across this scenario but are unsure whether it is genuine or not, don't click on the pop-up, run a full scan on your computer using the anti-virus software you purchased.

Personal firewall

A personal firewall (also referred to as a desktop firewall) is a software application used to monitor and control the inbound and outbound internet traffic from a computer in order to prevent unauthorised access from intruders.

Unlike a standard firewall on your computer's operating system, a personal firewall is able to filter outgoing connections as well as inbound. It can be set to your own personal security level preferences and will alert you of any suspicious or malicious activity, inbound or outgoing.
Public wi-fi hotspots

Public wi-fi hotspots are a very convenient way to access the internet while outdoors however, the way in which you connect to them can also be very risky. Accessing your online banking services over an unsecured public wi-fi spot is not recommended.

Here are some simple measures that you can take to stay safe whilst using public Wi-fi:

1. Pick the most secure network
Wi-fi security settings can vary, if you have a choice of connections it is recommended you connect to the one with the highest security settings such as WPA2, followed by WAP and WEP.

Most operating systems are able to show you the security level before you connect.

2. Set network location to "Public"
After connecting to public wi-fi, set your operating systems network location to a 'Public Network'.

Your operating system may prompt you with a pop-up that has the option to do this. This security feature blocks others from accessing your files and other areas of your device.

3. Use a Virtual Private Network (VPN)
If you are regular user of public wi-fi, consider using a VPN. This creates a secure connection/tunnel between your computer and the internet.

It will prevent others from potentially snooping and intercepting your communication to a website. There are a number of free and commercial VPN products available.
4. Use HTTPS
It is safer to visit sites that use HTTPS as any sensitive information provided on these sites is sent in an encrypted format. This prevents criminals from intercepting the data. Look for the HTTPS or green address bar with a padlock displayed on the internet browser.

5. Use a firewall
Make sure your operating system (e.g. Microsoft Windows) firewall is enabled; the best option would be to use a personal firewall.

Browser security products

Along with traditional anti-virus software, web browser security software offers you additional protection for online banking. These tools are designed to create a secure environment between your browser and the internet, so even if your computer is infected, your sensitive information cannot be captured by malware.

A number of banks provide web browser security software to their customers free of charge. If your bank does this, it is recommended that you download the tool. Check your bank's website.
5 users thanked BOB 2 for this post.
Alex Peard on 09/12/2014(UTC), william morris on 09/12/2014(UTC), Redundant (Old Timer?) on 10/12/2014(UTC), Brian Cuthbert on 01/02/2015(UTC), dick barry on 19/10/2017(UTC)
Posted: 26 February 2017 18:36:25(UTC)

Joined: 10/08/2012(UTC)
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1 user thanked BOB 2 for this post.
john edwards on 26/02/2017(UTC)
john edwards
Posted: 26 February 2017 21:36:22(UTC)

Joined: 05/02/2013(UTC)
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This really doe not inspire confidence in the present financial banking
Jon Snow
Posted: 27 February 2017 00:12:01(UTC)

Joined: 02/03/2014(UTC)
Posts: 1,107

Thanks: 793 times
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If you think that's bad, just wait until you've been a victim of ID theft.

In my case I think it came from people accessing data at Companies House, where they used to give details of Directors and their birth dates, now it's just birth month and year.

You'll enter a surreal world, where up is down etc.

Credit accounts opened in stores in Scotland, bank accounts opened in Essex, mobile phones taken out on credit accounts...all in the space of a week...before the mail started arriving at my place.

Bank account opened, in my name, can you believe that, in the anti money laundering world we live in, where was the photo ID, the utility bill etc.

Change your debit and credit cards frequently, tell the bank it's broken and you need a new one.

Register with CIFAS

Consider using Experian or another credit checking company. Believe me, they took a load of worry and admin off me.

Apparently the mobiles are sent abroad because they can't be blocked overseas.

Stay vigilant folks.

3 users thanked Jon Snow for this post.
Mostly Retired on 27/02/2017(UTC), Jeff Liddiard on 27/02/2017(UTC), Martina on 28/02/2017(UTC)
Mostly Retired
Posted: 27 February 2017 07:32:16(UTC)

Joined: 24/04/2012(UTC)
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Like JS I have had similar experiences over the years - my own company account was attacked and my identity was also "cloned" and used in a version of the old "419" scam. Someone also attempted to open a bank account in my name - although my defences prevented it being anything more than an irritation.

I agree that using a service that provides credit file search alerts like Experian or Equifax along side a CIFAS protective registration (though CIFAS is generally for those at "heightened risk" or have recently been a victim of fraud/attempted fraud) are good steps. I would add don't rely on "free" anti virus software solutions - always buy the best one can.

I would add one other thing about computer safety - always use an effective back up system, and specifically one that will protect you against the "joy" of ransomware. I use a system by Acronis though there are several others out there. A good friend of mine recently had a ransomware attack and lost several years of stored data (his basic backup system was infected as well)

If one has any doubt about how busy the world of cyber threats looks, have a look at this:

Most of the time it is a safe and happy world, but an unprotected digital/personal data environment is the equivalent of leaving the front door open with the family silver on show.
2 users thanked Mostly Retired for this post.
Jeff Liddiard on 27/02/2017(UTC), Jon Snow on 27/02/2017(UTC)
Posted: 28 February 2017 18:01:24(UTC)

Joined: 10/08/2012(UTC)
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28/02/2017 17.35 HRS APPROX,
....................... HAVE YOU HAD A CAR ACCIDENT IN THE LAST 3 YEARS ...........................


...........................................SO BE ON YOUR GUARD ..............................................................


You receive a phone call from a local number
The voice on the end introduces themselves and the company they supposedly work for
They then ask: “Can you hear me?”
Your answer is recorded, and if you say “yes”, your response will be edited to make it appear as if you’ve agreed to a huge purchase.
You’re effectively being tricked into signing a verbal contract, much the same as clicking ‘I agree’ to terms and conditions online.

Voice signatures like these are legitimately used by companies doing business over the phone, but this is being exploited by scammers who have conned many Americans already, predominantly in Florida, Pennsylvania and Virginia.
1 user thanked BOB 2 for this post.
Tony Peterson on 28/02/2017(UTC)
chubby bunny
Posted: 28 February 2017 18:41:18(UTC)

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The 'Can you hear me?' scam sounds like a bit of a viral, click bait hoax.
Tom 123
Posted: 02 March 2017 15:09:42(UTC)

Joined: 13/09/2016(UTC)
Posts: 12

Was thanked: 8 time(s) in 5 post(s)
Was a victim of ID theft in the past.

Basically someone was stealing post from a flat communal area letter box. Read a letter that I was on the management committee and a director and then looked onto Companies House for my dob and occupation.

Following this I had credit cards ordered, new bank accounts, cheque books reordered and various betting/loan sites set up in my name.

CIFAS and a close watch of my credit files took a stop to it but it is stressful having someone steal your identity.

It is amazing how few security checks there are, especially for the smaller betting / loan companies. I would ring them and they were so amateurish in their approach to it all.

You can put a password on your credit files which helped me. Bit of an inconvenience but stops the hassle eventually.
2 users thanked Tom 123 for this post.
jeffian on 02/03/2017(UTC), BOB 2 on 02/03/2017(UTC)
Alice Winter
Posted: 05 May 2018 10:33:30(UTC)

Joined: 05/05/2018(UTC)
Posts: 1

you can check websites or person on some websites. Reas more about them. Yes you spend more time. But it`s better to spend some time for cheking but not for problem, that can happen.
Spending time wr can <a href=""> Stop Scam </a> together.
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