Financial Scams

DAIR

DAIR

DAIR

Soldato
Joined
23 Jul 2009
Posts
8,920
Location
Cayman Islands
Just received this text from "HSBC"

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Needless to say I won't be clicking on the link. However I will check my account later.

Thought it might be a good idea to share details of any potential scam emails, texts or phone calls you may have received.

Stay alert!
 
Folk know they are scams when they get them for banks they don't bank with, but as soon as they get one from "their" bank they believe it. Or half way to believing it by checking their account as per the OP.
 
I had a call from the HSBC Fraud dept on Sunday morning. Asked me about some transactions and whether it was me or not. Seems that someone got hold of my credit card details and spent £149.50 that morning, the payment had gone through but what alerted them was a few transactions on Facebook, Steam and elsewhere. Thankfully those payments were on hold and never went through. In the end my card was cancelled and a new one should be arriving today, hopefully. God knows how they got my details but made sure I updated passwords on sites where my details are kept. Bloody tossers.
 
byeo said:
I had a call from the HSBC Fraud dept on Sunday morning. Asked me about some transactions and whether it was me or not. Seems that someone got hold of my credit card details and spent £149.50 that morning, the payment had gone through but what alerted them was a few transactions on Facebook, Steam and elsewhere. Thankfully those payments were on hold and never went through. In the end my card was cancelled and a new one should be arriving today, hopefully. God knows how they got my details but made sure I updated passwords on sites where my details are kept. Bloody tossers.
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Did you identify yourself with your security question/answer when they called on Sunday?

It's always struck me as odd that a bank can call you out of the blue and will only talk to you if you give your password over the phone :D
 
I had a scam call from Barclays Bank, as I don't even bank with them I knew it was a scam, they asked me to provide some information to prove who I was, I refused to give any information until they proved who they were, the whole conversation went on for about 5 minutes going round in circles before they finally gave in and just hung up. Then I reported their number to the non-emergency police. Gave a great sense of satisfaction knowing that the longer I wasted their time it was stopping them from conning some unsuspecting victim.
 
Hades said:
Did you identify yourself with your security question/answer when they called on Sunday?

It's always struck me as odd that a bank can call you out of the blue and will only talk to you if you give your password over the phone :D
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I always find this odd as well, i appreciate it's all for the convenience of not having to ring the bank, but i would much prefer to have some form of reference number that i can then ring the bank directly on a number that i can confirm and then satisfy any security questions.
 
Semple said:
I always find this odd as well, i appreciate it's all for the convenience of not having to ring the bank, but i would much prefer to have some form of reference number that i can then ring the bank directly on a number that i can confirm and then satisfy any security questions.
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Natwest had a ridiculous one years ago. It was an automated call (saying it was their fraud department) with a pre recorded voice asking you to input your card number on the keypad!

I was like..."er no" and hung up. I then called Natwest myself and it was genuine and there was a fraudulent attempt to buy something with my card and they said that the automated call asking for my card number was genuine! I was dumbfounded as it sounded super dodgy. I don't think they have that system anymore....
 
I think Santander had a similar thing. I'll always ask them what number I can call them back on.. then check that against their website etc. If somebody calls me out of the blue they ain't getting diddly-squat...
 
I stupidly fell for one the other day. I kept getting a dropped call from an international number and one morning rang back, recognised the lady on the other end was speaking Arabic but hung up fairly quickly (well under a minute). That call cost me £10 :o:o
 
I've always wondered about the logic of known companies (not just banks) who 'cold call' for a genuine reason.

More so because they then ask you security questions! Mate, I answered the phone after you called me from the number you have on your records! I should be asking you some security questions! I always refuse and ask what it's regarding - if they tell me then I'll call back.
 
I had a text from HSBC about 6 weeks ago, which showed up in the text conversation thread with my other, genuine, HSBC texts.

"your HSBC account has been suspended due to security issues, please visit www.hsbconlinesecurity.co.uk to authenticate yourself and to restore full access"

www.hsbconlinesecurity.co.uk is, of course, a fraudulent site. But it had me maybe 25% concerned that it could be genuine before I checked that.

Edit:

The mortgage ones are legit
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Hades said:
Did you identify yourself with your security question/answer when they called on Sunday?

It's always struck me as odd that a bank can call you out of the blue and will only talk to you if you give your password over the phone :D
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Yeah, like others have said, it **** me off that they call me yet I have to prove who I am.
 
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byeo said:
Yeah, like others have said, it **** me off that they call me yet I have to prove who I am.
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I bet you would be even more annoyed if they poured out everything about your account to a random stranger. How can they possibly know if you are the account holder without going through security first? If you doubt the person calling you, ask them to note your account that they have called and call them back and ask them to confirm the previous note.
 
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I must admit, I received a text from my bank about the usual suspicious activity etc a while back and what threw me initially was that it came from the same number as my bank, was displayed the same and was even in the same message thread as previous texts.

It got me a bit worried but I googled and discovered its actually pretty easy to spoof a number, the same as it is an email address.

It was the first I'd seen of a text scam.
 
darael said:
I bet you would be even more annoyed if they poured out everything about your account to a random stranger. How can they possibly know if you are the account holder without going through security first? If you doubt the person calling you, ask them to note your account that they have called and call them back and ask them to confirm the previous note.
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Yeah, you're right.
 
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