DIRECT DEBIT SCAMS
Another fraud which happens regularly is where fraudsters get your bank account and personal details and then set up a direct debit using your account details, thereby getting you to unknowingly pay for something for the conman, according to D’arcy.
In cases like this, the direct debit could be going through on your account for months before you discover it. Banks will usually only refund you for two or three months of the fraudulent direct debit payments — though some will refund you for longer, according to D’arcy. “To prevent this type of fraud, regularly check your credit card and bank statements — so that you quickly spot any unusual transactions on your account,” said D’arcy. “Also, avoid putting any paperwork with personal details into your recycling bin — as fraudsters can get your details in this way.”