They use well-rehearsed stories, designed to gain their victim’s trust, for example pretending to be police officers who have just arrested someone using a copy of your bank card and alerting you that your money is in danger, or pretending to be from your phone or computer service provider and claiming that there is a problem with your system that they need to fix.
Fraudsters often claim to be officials and can seem very genuine, but you should always bear in mind that callers may not be who they claim to be, even if they already seem to know details such as your name and address.
Genuine police or bank staff would never ask you to withdraw or transfer cash from your account, nor would they ever ask for your four digit bank PIN number. Never tell anyone this number, it is for you to use in cash machines and shops only.
Genuine computer firms will not call unexpectedly to help fix your computer. Fraudsters make these calls to try to gain access to your online bank account or to trick you into paying for something you didn’t need or to damage your computer with harmful software.
The most common type of fraud affecting Hertfordshire’s older residents is “advance fee” fraud, where fraudsters persuade victims to make advance or upfront payments for goods or financial gains that do not then materialise.
Beware of anyone asking for money in advance. For example, fraudsters may claim that you are entitled to PPI compensation or that you are to inherit money from a relative, but you need to pay legal or administrative fees first. Genuine firms don’t ask for this, it is likely to be a scam.
If you’ve already been a fraud victim, beware that fraudsters may pretend to be lawyers or police claiming they can help recover your money.
What to do:
- Be sceptical of callers, even those who claim to be officials.
- Don’t be afraid to put the phone down with a brief ‘No, thank you’.
- NEVER give personal information, such as your date of birth or bank details, to unexpected callers.
- NEVER allow an unexpected caller to talk you through processes on your computer, like downloading new software or accessing your online bank account.
- Remember that the police or your bank would NEVER unexpectedly call you and ask you to withdraw cash or move your money to another account, as a result of fraud or any other reason.
- If callers suggest you call your local police or bank to check who they are, use another phone or ensure the line has been fully disconnected by phoning a friend or relative first, or by waiting at least 3 minutes, otherwise you may think you’ve phoned a number, but you’re simply talking to the fraudsters again. This is a common fraudsters’ tactic.
- If a caller asks you to type your bank PIN number into your telephone handset - do not do this, as fraudsters can use technology to identify the numbers.
- You can opt out of many cold calls by registering for free with the Telephone Preference Service on 0845 070 0707. Genuine computer firms will not call unexpectedly to help fix your computer. Fraudsters make these calls to try to gain access to your online bank account or to trick you into paying for something you didn’t need or to damage your computer with harmful software.