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Being scammed

(102 Posts)
Sar53 Sat 16-Mar-24 13:12:39

Reading about what happened to one of our most loved Grans yesterday, made me very aware, when I received two 'suspicious' messages, saying they were from NatWest, on my phone this morning.
I immediately rang the number on the back of my debit card and spoke to the fraud team at the bank.
The long and the short of it was that someone in America was trying to take money from my account using my debit card number.
The bank put a stop on my card immediately. I had to answer some security questions and approve transactions that I had made in the last few days. They are going to send me a new card and pin.
This has scared me and I can understand how the lady from yesterday must be feeling.
Please everyone take care.

Norah Fri 22-Mar-24 16:13:19

saltnshake

Like Sar53 we were called by NatWest. I thought it was a scam but it really was their fraud team. My debit card had been used at a point of sale in America. Had I been negligent - No! My card was in the house, had never been authorised or used. How could this happen? I still don't know. NatWest refunded us the money but later in the year our bank statement showed charges for an American transaction which we had never made. Frightening.

I understand this. I can't explain it at all. After spending a week on the phone with people from the bank I'm still confused.

As it was explained to us, someone used an android to access our accounts (?) then sent a "test" request, the bank honoured the debit, money out, I saw it 10 hrs later, called, said NO not us, the bank declared it a scam by mobile, by what they saw (I have no mobile, so not me). They shut down all our accounts and later said we'd been "tested" from other counties.

Bank took full responsibility, money back in our account within a few days. I truly believe scams can happen to anyone.

Marydoll Fri 22-Mar-24 16:00:09

I once got an email from Amex, asking to call a certain number. I ignored it and called the number on my card. The first question asked was, Are you calling about the fraud on your card?.
It turned out a fraudster in New York had been trying to buy porn, using my card.
I had never been to the USA and certainly had never bought porn.
The unusual transaction had triggered the fraud alert. because they knew I was as pure as the driven snow. wink

saltnshake Fri 22-Mar-24 15:51:15

The fraud team tried to contact us by mobile phone, email and land line. over a period of 4 days. They did not ask for details about our account but asked us to contact them. I thought it was a scam so I called their fraud line. I am very careful and suspicious. They did not want all the details a scammer would ask for but did ask if I had made payments of x amount to x person. I hadn't. We didn't even realise money had been taken until they phoned and we checked our online account. It wasn't a large amount so scammers probably waiting to see if they could get away with it. NatWest cancelled the card and sent a new one. We were refunded the money taken. How could this fraud happen? An unused unauthorised card sitting in a drawer in UK being used at a store in USA. It is mind boggling.

Germanshepherdsmum Thu 21-Mar-24 21:33:32

saltnshake

Like Sar53 we were called by NatWest. I thought it was a scam but it really was their fraud team. My debit card had been used at a point of sale in America. Had I been negligent - No! My card was in the house, had never been authorised or used. How could this happen? I still don't know. NatWest refunded us the money but later in the year our bank statement showed charges for an American transaction which we had never made. Frightening.

Did NW not cancel your card following the first fraudulent use?

Callistemon21 Thu 21-Mar-24 21:28:25

saltnshake

Like Sar53 we were called by NatWest. I thought it was a scam but it really was their fraud team. My debit card had been used at a point of sale in America. Had I been negligent - No! My card was in the house, had never been authorised or used. How could this happen? I still don't know. NatWest refunded us the money but later in the year our bank statement showed charges for an American transaction which we had never made. Frightening.

Did you give the Fraud Team any details? Was it the Fraud Team or the scammer and did you check the time of the transaction in America?
Was it before or just after they phoned?

You can tell I have a suspicious mind!

Our bank have said they will never telephone us.

However, we did receive a phone call from someone the other week, trying to sell investments. She didn't try to get us to invest over the phone but urged us to go to our local branch to chat to someone there.

saltnshake Thu 21-Mar-24 20:10:36

Like Sar53 we were called by NatWest. I thought it was a scam but it really was their fraud team. My debit card had been used at a point of sale in America. Had I been negligent - No! My card was in the house, had never been authorised or used. How could this happen? I still don't know. NatWest refunded us the money but later in the year our bank statement showed charges for an American transaction which we had never made. Frightening.

Ladyleftfieldlover Thu 21-Mar-24 19:50:03

Several years ago my younger son was staying at home working on his Phd. Phone rang and it was supposedly someone from Microsoft saying the licence had expired for my pc. Son was persuaded to allow the caller to access (my) the computer. Very soon it was frozen and unusable. Son was told he had to pay a large sum so he could use it. He explained that he was a poor student and there was no point giving them his bank details. I got home from work to find one very chastened son waiting on the doorstep. My local IT guy was unable to fix it. Fortunately I had been thinking about buying a new pc, which I had to do. The IT guy couldn’t retrieve a single thing off my computer. What he did have was an old hard drive from a previous computer so at least I had some old stuff. The whole thing was a nightmare.

Aldom Thu 21-Mar-24 15:18:01

A police officer recently told me that he had received a scam call on his police phone. When he said, "Do you realise you are on a police phone", the scammer rang off.

Gwyllt Thu 21-Mar-24 14:53:27

Nothing to do with cards. BUT received two call this morning on main line. Saying some dodgy activity on our internet and they would be cutting it for three days Please press 1 to get details from BT But I am sure some folk might
Husband actually wondered if there was any substance to it
Had to look on phone to see if any problems reported in our area just to reassure him

Jenn53 Thu 21-Mar-24 14:16:57

TinSoldier, thank you for your comments and good advice about the ad blocker. I will look into this.

When my laptop screen was taken over by the scammers, I did try to shut down the screen and turn off the computer but it wouldn't let me do any of this- It was frozen. They had complete control of my computer!

TinSoldier Wed 20-Mar-24 16:50:32

In the case you describe, the scammers did not directly target an elderly vulnerable women. You clicked on an ad and were told your computer has been infected with a virus. It probably won’t have been. What the scammers did was to take advantage of your naivety which is what 99% of scamming is about.

You clicked on an ad that “on-click” triggered a pop-up window with sound. What you should have done is shut down your computer or just turned off the sound and run a virus check. It probably would have found nothing. Too late now and I am sorry you were scammed.

If you use Windows, make sure your computer is protected with an up-to-date virus checker e.g McAfee or Norton and also an ad blocker e.g. Adblock Plus which is free. The latter might have protected you from this happening in the first place. Apple products have much better in-build security.

Jenn53 Wed 20-Mar-24 16:27:11

I also made a report to Action Fraud for them to investigate as I had the telephone number of the man who accessed my computer and his purported "company" name.

welbeck Wed 20-Mar-24 15:50:45

www.bbc.co.uk/news/uk-england-nottinghamshire-67053586

welbeck Wed 20-Mar-24 15:48:54

using random addresses

welbeck Wed 20-Mar-24 15:47:51

Jacksgrandma123

We recently had a letter from TSB thanking us for informing them of our new addresses . The only problem was the letter was addressed to someone else. We contacted TSB who said nothing on system?! Rand Action fraud, which is the police, to report it. They said it is identity theft . TSB must be aware as is their letter and is authentic

check your address on companies house website.
there have been many fraudulent companies set up, suing random addresses, to get bank loans etc.
it is v difficult to have your address taken off these records, and can affect your credit rating.
everyone should check regularly.
commonslibrary.parliament.uk/companies-house-faqs-address-fraud-and-correcting-the-register/

Jenn53 Wed 20-Mar-24 15:30:34

"Sar53" How distressing that must be for you. I am sorry to hear this and do sympathise. I too, was scammed recently. For someone who is normally ultra-careful, it has made me very paranoid. It all happened so quickly. One afternoon, I was on the internet and clicked on a harmless-looking ad. Suddenly, a frightening notice in huge red letters, etc and a woman with an American accent repeating loudly "Your computer is infected with Trojan Horse virus", etc. It was accompanied by loud alarm bells ringing. There was a telephone number which the voice told me I had to ring to clear the virus. I just wanted the noise to go away. I immediately telephoned the number and a man with an Asian accent answered. He spoke good English. He seemed pleasant enough and said these things happened all the time and that I was not to worry as he often worked with Microsoft and would get rid of the virus but I had to follow his instructions to access my computer remotely. I became suspicious at that point but he was so calm and tried to put me at ease that I stupidly allowed him access to my computer. He said I was lucky to telephone as quickly as I did as Trojan went through files very quickly and would infect all my files. He then installed "Aweray Remote Software" and said before he cleaned the files I would have to pay £200 straightway using my debit card which (unfortunately) I did. I could see him going through my files remotely. It must have taken around 45 minutes/1 hour or so. I was in a terrible panic. Then he said he would email me a receipt. Then he was gone. He had got his money and another silly victim. The software was still on my laptop. When I received the receipt by email it was a badly written message confirming that I had authorised the payment, to clear the virus, etc., etc. I was just so glad that my laptop was working again but I worried about the app he left on my laptop. Then last Thursday this man telephoned telling me that his company was winding up and he needed to access my laptop to remove the software and that he would refund the £200. I felt immediately that something was not right and I told him that it was an inconvenient time and could he call back at 1pm. He wasn't happy about that but he had no choice. He rang 5 times at around 1pm but I did not answer. During that time I checked the Microsoft website for cyber scams/fraud and sure enough what the man had done and now trying to do again, was to gain access to my laptop, retrieve his software, infect the laptop and then demand money was the exact trick used by some scammers on their Scammers' page. I was shocked that I had fallen victim to this scam and felt violated and physically sick. I telephoned my bank immediately and spoke to someone in the Fraud/Scam department. I was told that these scammers were highly trained, did their research and targeted elderly, vulnerable women especially. How do they get our details? Scary. He told me to uninstall the software asap and block the telephone number on my mobile. Annoyingly, the bank, of course, had to cancel my debit card and change my online bank details!! It just takes a second of distraction for something like this to happen. So please all be extra careful and vigilant.

karmalady Wed 20-Mar-24 15:07:30

I have just deleted a scam e mail on my laptop. From suzie, asking me to phone her because she has laryngitis and cannot speak. She needs a favour.

I don`t know a suzie and have immediately deleted

The tone is different, reads like uk speak, not foreign. I can see that anyone knowing a suzie might have answered

Actionfraud says to listen to gut feeling

PamQS Wed 20-Mar-24 14:35:18

I’ve just had both debit cards (from 2 accounts) changed because I fell for a Facebook scam offering a set of Le Creuset pans for a ludicrously low price. This has been really inconvenient, and I resent the disruption the scammers cause. The man who was trying to scam me yesterday was speaking in such a noisy room that I couldn’t hear what he was saying. It seemed unlikely that he was ringing me from my bank, as he claimed!

Jacksgrandma123 Wed 20-Mar-24 14:33:24

We recently had a letter from TSB thanking us for informing them of our new addresses . The only problem was the letter was addressed to someone else. We contacted TSB who said nothing on system?! Rand Action fraud, which is the police, to report it. They said it is identity theft . TSB must be aware as is their letter and is authentic

JenniferEccles Wed 20-Mar-24 13:09:33

Apologies if I have put this before on here but we are with TalkTalk and we signed up with their call minder service a few years ago.
Since then we’ve had no scam or nuisance calls at all.
The old BT TPS was useless .

Callistemon21 Wed 20-Mar-24 12:36:07

I had a scam call this morning, apparently unauthorised amounts were taken out of my bank account hmm

Marydoll Wed 20-Mar-24 12:31:15

I have been registeted with TPL for years, it makes little difference! Istill get them!

cc Wed 20-Mar-24 10:37:08

Jobee

If you register for TPL (Telephone Preference Service) which can be done online giving your landline and mobile numbers TPL will filter out all scam calls and you won't receive any in the future.

I'm registered with the TPL but still get scam calls. I usually look on Google to check the number and it often turns out to be a number which has regularly been noted for making nuisance calls in the past.
Sadly the TPS doesn't really work very well and even if you report nuisance calls very little seems to happen. In any case it is very easy for scammers to get a new number to use.

cc Wed 20-Mar-24 10:28:58

Germanshepherdsmum

They give direct access to your bank account. A credit card doesn’t.

Sorry, my last post in reply to GSM but the quote function failed.

cc Wed 20-Mar-24 10:26:30

Yes, me too. One of my card providers is very security concious when I shop online and I often have to put in a security code that they text to me. When I'm in a rush this is irritating, but it really makes sense.