Five steps to help you avoid scams
As we now do more and more of our business over the internet, it comes increasingly important to be aware of the potential for online crime, some of which originates from outwith the UK.
The following five steps will help reduce the likelihood of you falling victims to these types of scams:
1. Never disclose security details, such as your PIN or full banking password. A genuine bank or organisation will never ask you for these in an email, on the phone or in writing. Before you share anything with anyone, stop. Then pause to consider what you’re being asked for and question why they need it. Unless you’re 100 per cent sure who you’re talking to, don’t disclose any personal or financial details whatsoever.
2. Don’t assume an email or phone call is authentic. Just because someone knows your basic details (such as your name and address or even your mother’s maiden name), it doesn’t mean they are genuine. Be mindful of who you trust – criminals may try and trick you into their confidence by telling you that you’ve been a victim of fraud. Criminals often use this to draw you into the conversation, to scare you into acting and revealing security details. Remember, criminals can also make any telephone number appear on your phone handset so even if you recognise it or it seems authentic, do not use it as verification they are genuine.
3. Don’t be rushed or pressured into making a decision. Under no circumstances would a genuine bank or some other trusted organisation force you to make a financial transaction on the spot; they would never ask you to transfer money into another account for fraud reasons. Remember to stop and take time to carefully consider your actions. A genuine bank or some other trusted organisation won’t rush you or mind waiting if you want time to think.
4. Listen to your instincts. If something feels wrong then it is usually right to question it. Criminals may lull you into a false sense of security when you are out and about or rely on your defences being down when you’re in the comfort of your own home. They may appear trustworthy, but they may not be who they claim to be.
5. Stay in control. Have the confidence to refuse unusual requests for personal or financial information. It’s easy to feel embarrassed when faced with unexpected or complex conversations. But it’s okay to stop the discussion if you do not feel in control of it. If you’ve taken all these steps and still feel uncomfortable or unsure about what you’re being asked, never hesitate to contact your bank or financial service provider on a number you trust, such as the one listed on their website or on the back of your payment card.
Locally this week we are seeking information about a theft and attempted theft in Stonehouse which we believe are linked. Between 7.30am – 8am on Tuesday, April 18, two houses were targeted in Vicars Road and Argyle Place. The male suspect is described as wearing a dark hooded top and having a scruffy beard. Car keys were stolen from one of the addresses.