Each week these stories seem to pop up more often. Wales Online reports
, very realistic new text message scam that could empty your bank account.(image courtesy Wales Online / This Morning ITV)
It looks like a standard text that you might have received several times before from your bank.
Even a consumer expert says it's not the type of message that would necessarily have set alarm bells ringing.
But it cost one woman a £71,000 inheritance from her late father just days before she is due to give birth to her first child.
And her bank says it is not obliged to pay it back as they were not at fault.What is the scam?
You receive a text message that says it's from your bank. It says there has been suspicious activity on your account. Worryingly, it comes on the same thread on your phone as genuine text messages from your bank because a mobile number is effectively being spoofed. So if you've saved your bank's number in your phone, it will look like it's come from that number.
It says your debit card was recently used and names a store and the amount spent. It then tells you to call a "fraud prevention" number if it's a transaction you do not recognise.
You click on the number to call and there is someone there to answer. In fact, in this victim's case, the call went on for 30 minutes and they discussed her banking details. After the call ends, the fraudsters access your account and drain the funds.
Claire Pearson watched as over £71,000 - an inheritance from her father who passed away last year - was stolen from her account.
Speaking on This Morning, she said: “I received the text, but this wasn’t unusual as I’ve had messages from them before. It said there had been suspicious activity on my account, asked ‘do you recognise this transaction?’, if not call this number.
The Financial Ombudsman said: “Whether someone is able to get their money back following a fraud depends on the individual circumstances of each complaint and whether we find the victim’s bank has made an error which has helped contribute to the loss.”It said that from April 1, 2015, to February 8, 2017, it received around 6,000 new complaints about disputed transactions.The Sun also reports
, VODAFONE and O2 mobile customers are being warned about scam emails which try and trick them into clicking on dodgy links.
It is likely that these links contain a type of malware which once downloaded, will try and steal your bank details.(image courtesy of The Sun / Twitter/ActionFraudUK)
Action Fraud, the UK’s national fraud and cyber crime reporting centre, said that it had received “lots” of reports about fake, personalised O2 and Vodafone emails which likely contain the Emotet banking malware. The links in the emails likely contain Emotet, a type of malware that could steal bank account details by intercepting traffic.
When a person clicks on the link the malware is automatically downloaded.
Once installed, it infects the device and is able to intercept outgoing network traffic in an effort to steal sensitive information from victims.
Recipients of the emails have been flagging them on social media, pointing out their grammatical errors and mistakes.
O2 and Vodafone have also been advising their customers not to click the links.How can you avoid being scammed?Never give out personal or financial information on the phone or by email.
Your bank, the police or any other organisation will never ask you for these in full
Never allow someone remote access to your computer following a cold call
Don’t rely on caller ID – numbers can be spoofed by fraudsters to make it look like they’re calling from a trusted number
Your bank, the police or any other company, will never call to ask you to transfer your money out of your account for security reasons
Be wary of all cold calls claiming to be from banks, police, or other trusted organisations – if you have any concerns, call back on an independently verified number
If you have fallen victim to a scam, call Action Fraud on 0300 123 2040