How a scam works

Isis Town and Country - - News -

A SCAM­MER con­tacts you out of the blue pre­tend­ing to be from a le­git­i­mate busi­ness such as a bank, tele­phone or in­ter­net ser­vice provider.

You may be con­tacted by email, so­cial me­dia, phone call, or text mes­sage.

The scam­mer asks you to pro­vide or con­firm your per­sonal de­tails.

Or they may ask you to fill out a cus­tomer sur­vey and of­fer a prize for tak­ing part.

Alternatively, the scam­mer may alert you to “unau­tho­rised or sus­pi­cious ac­tiv­ity on your ac­count”.

You might be told that a large pur­chase has been made in a for­eign coun­try and asked if you au­tho­rised the pay­ment.

If you re­ply, the scam­mer will ask you to con­firm your credit card or bank de­tails so the “bank” can in­ves­ti­gate.

In some cases the scam­mer may al­ready have your credit card num­ber and ask you to con­firm your iden­tity by quot­ing the three or four-digit se­cu­rity code on the card.

Phish­ing mes­sages are de­signed to look gen­uine, and of­ten copy the for­mat used by the or­gan­i­sa­tion the scam­mer is pre­tend­ing to rep­re­sent.

They will take you to a fake web­site which looks like the real deal but has a slightly dif­fer­ent ad­dress.

Other phish­ing scams

Whal­ing and spear phish­ing – the scam­mer tar­gets a busi­ness in an at­tempt to get con­fi­den­tial in­for­ma­tion for fraud­u­lent pur­poses.

To make their re­quest ap­pear le­git­i­mate, they use de­tails and in­for­ma­tion spe­cific to the busi­ness that they have ob­tained else­where.

Pharm­ing – the scam­mer redi­rects you to a fake ver­sion of a le­git­i­mate web­site you are try­ing to visit.

This is done by in­fect­ing your com­puter with mal­ware.

Warn­ing Signs

You re­ceive an email, text or phone call claim­ing to be from a bank, telecom­mu­ni­ca­tions provider or other busi­ness you reg­u­larly deal with, ask­ing you to up­date or ver­ify your de­tails.

The email or text mes­sage does not ad­dress you by your proper name, and may con­tain typ­ing er­rors and gram­mat­i­cal mis­takes.

The web­site ad­dress does not look like the ad­dress you usu­ally use and is re­quest­ing de­tails the le­git­i­mate site does not nor­mally ask for.

Pro­tect Your­self

Do not click on any links or open at­tach­ments from emails claim­ing to be from your bank or another trusted or­gan­i­sa­tion and ask­ing you to up­date or ver­ify your de­tails – just delete.

Never pro­vide your per­sonal, credit card or on­line ac­count de­tails if you re­ceive a call claim­ing to be from your bank or any other or­gan­i­sa­tion.

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