Pam Hayton of Natwest gave us an excellent talk (not a presentation though thanks to Western Power pulling the plug with another hole in Towcester) and with her permission in following posts are some of the things she said to be aware of.
If you have any questions, queries or just wish to check anything she said she is more than willing to be contacted. As she is busy doing presentations it is best you use her email but if you wish to talk to her phone and leave a message and she will get back to you.
PHONE: 03457 888444
MOBILE: 07711 763082
Typical things to be aware of:
- Never allow a caller remote access to your computer even if they say they are from Microsoft.
- Be aware of personal information you share on the internet. It can be used to help steal your identity.
- Never click a link in an unexpected email. Just find the companies details and contact them directly.
- Always say NO to strangers offering to put money into your account. They maybe trying to make you an illegal “money mule”.
- Neither the police or your bank will ever ask you to withdraw cash and hand it to a courier or arrange a courier to collect your bank cards no matter how plausible the reasons.
- Be careful of a call about fraud on your bank account. If the caller asks you to transfer money to a “safe” account. or asks for your PIN and password just hang up its a scam!
- Never allow anyone into your home you do not trust. Don’t feel pressurised into trading on the doorstep. Always get two or three quotes and ask someone you trust for advice or a second opinion on reputable traders.
- Watch out for online relationships with people you have never met. They may ask for funds for flight tickets, hospital bills or an emergency. Never send money or hand over personal details. They start small and then build it up. Pam quoted one man parting with over £100,000!
- If shopping online check out peer reviews if the seller is genuine. If something sounds too good to be true – it probably is.
- If a caller asks you to do any of the above but then says phone the police of bank to check, be careful as they often leave the line open so when you hang up and ring them you are still talking to the same scammer. If you do this make a call to someone you trust like a relative first, this clears the line.
- Always shred personal documents before disposal. If you do not have a shredder or incinerator you can soak documents in water and wehen soft mash the sensitive detail parts .e.g address or account numbers.
- Be aware scammers often sound very plausible.
- Scams are not always on line. Scamming letters by post often emulate the scams outlined above.
- Be careful of phoning numbers given to you by unexpected email or unknown callers. These could be premium rate numbers leaving your with a very high bill.
- If an unexpected email arrives even looking like it is from your own bank hove your computers cursor over the email address and it will show the actual email address of the sender. A scammers is often different to that your hovering over.
- A bank or organisation will NEVER ask you for your PIN, full passwords, or move money from account to account.
- Don’t fall for any BT scam calls. They never:
- Call to tell you we’ve found a problem with your computer
- Ask for payment details over email or live chat
- Call out of the blue and ask for remote access to your computer or other devices.
- Tell you your router or IP address has been compromised
- Tell you your broadband has been hacked
- Threaten to disconnect your service unless you make a payment immediately.
Some useful numbers and websites:https://haveibeenpwned.com/ Enter your email address to see if your email has ever been released in a security breach. Don’t panic though but certainly change your password if necessary.
A National Trading Standards site to find our more.
Action Frauds reporting line 0300123 2040 or report to the police on 101
Citizens Advice help line 03454 040506
Pam reminded us that if you loose money through “Fraud” you will almost certainly get the money refunded by all banks but if you’re scammed then you may be liable for any loss. Scamming is where you are tricked into an action. Remember this is not a definitive list just examples of the scams out there.
Have I Been Pwned allows you to search across multiple data breaches to see if your email address has been compromisedL