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Can you spot a scam? Give Take Five to Stop Fraud’s test a go and share what you think - £300 voucher to be won NOW CLOSED

(277 Posts)

GNHQ have commented on this thread. Read here.

EllieGransnet (GNHQ) Tue 30-Jan-18 11:12:55

Take Five, have launched their new ‘Too Smart To Be Scammed?’ test, as part of Take Five to Stop Fraud week and they would love you to take the test and share your result and your thoughts.

Here’s what Take Five have to say: “Take Five to Stop Fraud is a national campaign that offers advice to help everyone protect themselves from preventable financial fraud. It educates individuals to help them spot scams and urges people to stop and consider whether the situation is genuine – to Take Five and think if what you’re being told really makes sense. Remember, ‘My money? My info? I don’t think so.”

It is becoming increasingly difficult to spot a scam as criminals are more sophisticated than ever; however there are still steps you can take to protect yourself and learn how to spot a scam before you have given away any personal details. Take the test, find out if you’re too smart to be scammed and let us know what you think. How did you score? Did you learn a new way to protect yourself from scams and frauds? What did you find the hardest about spotting a scam? Were there any bits you were surprised you got wrong or right?

Everyone who takes the quiz and posts on this thread will be entered into a prize draw where one GNer will win a £300 voucher of their choice (from a list).

Thanks and good luck!

Standard Insight T&Cs apply

wildswan16 Tue 30-Jan-18 14:58:17

I scored 7/8, and the one I got wrong was because I was being over-cautious. Better safe than sorry ! I work on the assumption that I never reply directly from a text or email link, but log in through the bank's main website or contact number. The "scammers" seem to be getting more and more devious.

Willow500 Tue 30-Jan-18 15:51:21

I got 7 too for the same reason. I never trust anything until I check it for myself.

MummyBtothree Tue 30-Jan-18 19:05:06

I scored a 5 which surprised me, I thought that I would have done better so this has made me more cautious - thank you.

Purpledaffodil Tue 30-Jan-18 19:31:31

Yes I too got 7/8 because I was being over cautious. I still think I wouldn’t trust this type of message.

Witzend Wed 31-Jan-18 09:48:27

I got at least one wrong because I hadn't read the 'would you/wouldn't you' carefully enough and ticked the wrong one.
One thing that strikes me - a lot of people like to have a go at pedants like me - they say it's old fashioned and pernickety to care - but given that so many scam messages contain spelling/grammar errors, the pedant's eagle eye can be useful.
I like to think I'm hyper-cautious, esp. since I know a few people who've been scammed, including a relative, via his own careless financial advisor! - that was the scariest. But I would hope I'm never in the least complacent about it.

Lynne810 Thu 01-Feb-18 00:47:08

I got 8/8 but I was surprised at how difficult I found it to recognise the genuine messages.

Teetime Thu 01-Feb-18 09:18:16

I got 7 out of 8 as I was being extra cautious. I would always ring my bank re ANY messages as they advise.

PamelaJ1 Thu 01-Feb-18 09:41:35

I got 8 correct answers. However I don’t get any notifications through my mobile. They always come through my emails which have a different format so I found it quite difficult. These little messages seem so informal that I think it would be easy in the real world to get muddled.

Nandalot Thu 01-Feb-18 11:52:01

I got 7, missing one that was genuine. I am obviously very suspicious.

Farmor15 Thu 01-Feb-18 12:27:01

7/8 for me too- over cautious!
Got a phone call one morning purporting to be from bank, suggesting unusual activity on my account. I said I’d ring bank myself and caller immediately hung up. I did ring bank, and nothing out of ordinary.
One problem can be if you travel abroad and attempt to withdraw from atm. Transaction may be blocked, until you respond to text msg from bank. If bank doesn’t have your mobile number, can’t get money, until you ring them to sort it out. This happened to DH.

CrumblyMumbly Thu 01-Feb-18 12:51:00

As an ex-banker, I'm shocked that I still got only 6/8 correct. I obviously need to brush up on fraud prevention - thanks for highlighting this.

Elizabeth180 Thu 01-Feb-18 14:47:28

I scored 7 and like the other Gransnetters, I was just over cautious. However the incorrect one was at least genuine so that gives me hope that I'll spot the fraudulent ones.

GeminiJen Thu 01-Feb-18 14:53:05

I got 7/8 too...and for the same reason: over cautious. While I would never claim to be 'too smart to be scammed', I've become much more savvy since taking the FutureLearn MOOC: Cybersecurity. Just a few hours work over a six week period, and it's free! Highly recommended.

Elrel Thu 01-Feb-18 16:11:57

5, I said no to two genuine messages!

MissAdventure Thu 01-Feb-18 16:25:20

Same result for me. I like to err on the side of caution.

mbody Thu 01-Feb-18 16:31:23

I got two wrong. However I feel I erred on the side of caution.

amaradnas Thu 01-Feb-18 17:32:39

I got 7 out of 8. Quite smart but it can be confusing sometimes to know the difference!

heatherjw Thu 01-Feb-18 20:34:10

Interesting test, it showed I am perhaps too suspicious, but highlighted what I would normally do, contact the bank or individual using trusted means, not included in the message. And never click or use any link included in the message

sylwright Thu 01-Feb-18 22:36:57

I got 7 out of 8. I was surprised that I actually thought one was ok when it wasn't genuine. I am usually very careful. I never click on any links in emails or texts and would always go into my account by logging in as I usually do and check that way.

fionajk42 Thu 01-Feb-18 23:37:01

I scored 7/8. The question I got wrong was where there was a text message asking me about a transaction. I always suspect these messages, whereas this was supposed to be a genuine message.

MissAdventure Thu 01-Feb-18 23:42:51

I'm a bit confused when banks say they would never text or phone. Then a couple of those questions showed that they do!

NanaMacGeek Thu 01-Feb-18 23:43:48

Well, I was over-cautious too, thinking that one of the genuine ones from a bank was a scam. In my defence, firstly, I spent quite a long time deciding but came down on the side of caution and, secondly I have been contacted by my bank in almost the same way as the example, for the same reasons, but the nature of the messages were different enough for me to think twice.

I'm pretty clued up, I screen my phone calls, use a password manager, have two factor authentication turned on, use a VPN if using WiFi away from home or mobile data on my phone, hover the pointer over email links and urls, keep my contactless card in the depths of my bag, and check my online accounts frequently.

All this security didn't stop someone from using my credit card number on a site that didn't carry out proper verification checks (my card details weren't stolen and my PIN not exposed), nor did it stop some thieves from hurling a brick through modern double glazing and trashing our things!

janieuk Fri 02-Feb-18 00:01:40

7/8 for me. Don't think there's ever any harm in ringing your bank on a number separate to whatever might be in a text, I just don't trust anyone these days! I once had a message asking me to text back Y or N as in one of the examples. I didn't, and rang the bank as soon as I got home. My card had been cloned and an attempt to withdraw cash had been made at a cashpoint in the Caribbean somewhere! But when I rang the bank they said they could see why I would be cautious to text back so I will continue to do what I'm doing!

Lynnebo Fri 02-Feb-18 00:35:29

I got 8 out of 8 smile