Tips to prevent fraud
1.Do not give any personal information (name, address, bank details, email or phone number) to organisations or people before verifying they are who they say they are.
2.Many frauds start with an email. Remember that financial institutions and banks will not email asking you to confirm your bank details by clicking a link. Always question whether an email could be bogus.
3.Destroy and preferably shred receipts with your card details on and post with your name and address on. Identity fraudsters don’t need much information in order to be able to clone your identity.
4.If you have been a victim of fraud, be aware of fraud recovery fraud. This is when fraudsters pretend to be a lawyer or a law enforcement officer and tell you they can help you recover the money you’ve already lost.
Common forms of Fraud:
Phishing emails
Phishing is a method criminals use to steal your identity. Usually these types of scams are sent via email and direct you to websites where you are asked to supply personal data or account information. Be wary of any emails asking for personal information.
Spoofing
A ‘spoofing’ scam involves redirecting the user to a duplicated website, with the intention of stealing their personal information. For example, a fake online banking website made to look like the authentic site (including logos, colour and text) would allow scammers access to your bank details. Be wary of any emails or websites asking for bank details.
Viruses and spyware
Viruses and spyware are when criminals attack your computer and try to steal personal information such as usernames and passwords.
Scareware
Rogue security software, also known as ‘scareware’ is the method of luring a user into downloading fake anti-virus software.
Online auction scams
Online auction scams (eBay, Gumtree, Buy or Sell Facebook groups etc.) are where the seller asks you to pay by money transfer or direct to their bank account and bypass the sites’ own payment channels.
Reporting Fraud
If you’re a victim of fraud that is a crime in progress and you need an immediate police response dial 999.
If it is a non-emergency situation,
Call Action Fraud on 0300 123 2040.
You can also report fraud or find further advice and information on the Action Fraud website.