The general cost of financial fraud.

Personally think gchq should have an antiscam sub division mercilessly attacking the online and foreign call centre fraud lines.
If people such as Jim browning do it, they should be capable of so much more.
 
ninjabib said:
I work for one of the biggest banks in the world on the credit card fraud and chargebacks team.

Can confirm most people are just incredibly reckless with their money. I think they believe that no matter what they do with their credit card that they will be reimbursed. Most of the time that is not true.

I think a lot of it boils down to greed, the amount of disputes i get where they think they are getting a bargain and the websites they order top end items from for just over a tenner "What a great deal i thought" are atrocious. I am literally puzzled as to how they get sucked in.

Indeed it is down to the individual to take responsibility for themselves. Certainly not the banks or government or big social ID etc garbage.
Click to expand...

This was my feeling too.

I am in the lego fans group on Facebook. Its several times a week you will see people saying

"is this legit".

Dodgy url
Price 90 percent cheaper than rrp
Others telling them its a scam

"I've bought it, if it goes wrong I can get a chargeback"


It's a guaranteed scam. But no risk to the buyer.
 
413x said:
This was my feeling too.

I am in the lego fans group on Facebook. Its several times a week you will see people saying

"is this legit".

Dodgy url
Price 90 percent cheaper than rrp
Others telling them its a scam

"I've bought it, if it goes wrong I can get a chargeback"


It's a guaranteed scam. But no risk to the buyer.
Click to expand...
That's exactly right. We have serial claimers who learn no lessons. That's why the bank and MasterCard are clamping down on personal irresponsibility.


Despite saying that it is the numbnuts who normally win the charge backs as the scam sites don't bother to send anything out so "goods not received" cases usually win.

If the scam sites are clever they send out something of poor quality. Then it's hard for the cardholder to prove and those kind of people tend to learn.
 
nst68 said:
It's very convincing,
Click to expand...
It really isn't, its obviously a scam but I can see why non clued up people will fall for those. People just need to live by a few rules, like you never click on unsolicited links, or for that matter any links. Go direct to the website and check the address. Cloning is a thing.
 
nst68 said:
I had this text

S1Ap4eXl.png.jpg

It's very convincing, esp as the first one was received at 4 in the morning and they've managed to get "TraceAlerts" at the top
Click to expand...

I think that one is somewhat convincing. It doesn't look much different to the texts the NHS sent about Covid.
But two things, aside from the Covid app itself being installed or not - a) the NHS wouldn't say 'the Omicron variant', they'd say 'coronavirus' and b) the URL looks dodgy - we're back to knowing about URLs...
 
Paracelsus said:
It doesn't look much different to the texts the NHS sent about Covid.
Click to expand...
Which I would also ignore for the same reason I said above. One rule - something important shouldn't/doesn't come by text message. Information maybe, but not something you have to action. Never action something off a text message.
 
Just had quite a convincing one, which must have been at least somewhat hand crafted, for my birthday - a relatives contacts, calendar and message history must have been compromised at some point.

The only real indication, though I was naturally sceptical, was that the person it purported to have come from would have had a head fit before sending a message with random capitalisation of the first letter of words.
 
danlightbulb said:
Which I would also ignore for the same reason I said above. One rule - something important shouldn't/doesn't come by text message. Information maybe, but not something you have to action. Never action something off a text message.
Click to expand...

The NHS did contact you by text if you'd been in contact with someone who'd tested positive.

Here's the text from a genuine one I got in 12/2021, the sender came up as NHStracing

xxxxxx xxxxxxxxxxx (Account ID: ?????????)

NHS Test and Trace has identified you as a contact of someone who recently tested positive for COVID-19.

You do not have to self-isolate. However, you should book a PCR test, even if you do not have symptoms.

If you develop symptoms, you should self-isolate immediately before taking your PCR test.

Book your test at https://contact-tracing.phe.gov.uk/links/ask-for-a-coronavirus-test.

To protect yourself and those around you, follow the guidance for staying safe and helping to prevent the spread of the virus. For more information and details about exemption from self-isolation, visit: https://contact-tracing.phe.gov.uk/links/guidance-for-contacts

To update details on your Test and Trace account, visit: https://contact-tracing.phe.gov.uk/ and sign in with your account ID and password.
Click to expand...

The URL's in the dodgy one was a give was away, but it could fool a non-techy, and those the ones they're after.
 
nst68 said:
The NHS did contact you by text if you'd been in contact with someone who'd tested positive.

Here's the text from a genuine one I got in 12/2021, the sender came up as NHStracing



The URL's in the dodgy one was a give was away, but it could fool a non-techy, and those the ones they're after.
Click to expand...
I would not personally have engaged with that link in the text. I would have independently booked a test using a link of my own finding.
 
I know someone who 'purchased' a VW Transporter, a couple of years old, full spec £40K motor or whatever they go for - It was priced at £10K or something ridiculous. The seller was based on the Orkney Isles. Its comical all the red flags and still fell for it. Got burned and rightly so. People need to take accountability and businesses need to educate their staff of the risks. A lot of fraud can beaten with simple checks.

I do think that social sites and the like should take some accountability.
 
Had this gem recently. A friend got similar a while back and was worried it might be for real.

Hi!

I'm going to make you an offer you can't refuse. If reputation means anything to you. I am a programmer who likes to dig into other people's dirty laundry and I hack into cell phones, laptops, computers, tablets of users like you in order to extract from them "interesting" photos, videos, recordings of conversations or correspondence.

I infected your device with a virus and have been watching you for over 2 months now.
During these months, I have accumulated a lot of interesting information about you. Not only do I have access to your phone book, correspondence, audio, but I also have information about the sites you visit. Can you guess what I'm talking about?

I collect a selection of photos and videos, audio recordings, correspondence from the devices of users like you with the help of viruses and copy them to my own server.

I've got some bad news for you. I can leak all of this online for general access, send it to your friends, relatives, acquaintances, send it to social networks and messengers.

Trust me. This is something that can destroy your reputation once and for all!

The effect will be fantastic! They will see what you do in all its glory. It only takes one click for me to leak the information. You have the power to stop it.

What do you have to do to stop it? I'll tell you about that next.

You need to make a $1200 (US dollars) transfer to my bitcoin wallet. If you do not know how such transfers are made, just type in Google query: "Buy Bitcoin".

My bitcoin wallet (BTC Wallet): bc1qf2ee20us5gkkl kft5yty0z5p0akxpkmvlpws07 (without space in wallet)

Nothing complicated, right? After receiving the specified amount, I will immediately delete all the information and leave you alone forever!

But you need to hurry up. I don't like to wait long!I'll give you 48 hours.

Don't think you can ignore me. After you read this message, I automatically get a notification about it. From then on, you have two days to pay!

Yes. You don't need to try to apply for help to resolve this situation. Bitcoin wallet is untraceable, and the sender address is automatically created. But if I happen to know that you share this email with someone else (and I will), I'll do a newsletter right away!I hope you make the right choice!
Click to expand...
 
dave28 said:
I dont know about anyone else but i am getting more and more security steps and hoops to jump through online recently.

Ebay and paypal for example often want to text my a pin code to gain access to my account,

My bank now wants to confirm the account holder name matches the account when i BT money, they never used to do this for myself anyway.

I think this is one way to improve things, to increase security greatly even if it can be a real PITA.

PS never leave your bank details on website accounts, someone got into my Amazon account and had a jolly time sending stuff to a self service locker
( AKA an easy to exploit security flaw that any twit in a hoody and mask can use service locker )
Click to expand...
How did they get into your Amazon account.

Don't you have 2FA enabled?
 
kona786 said:
How did they get into your Amazon account.

Don't you have 2FA enabled?
Click to expand...

No idea but i read plenty of stories of others who had the exact thing happen to them also.

I banned Amazon from access to my bank account and not used their website ever since.

I don`t remember there was 2FA on Amazon at the time. If it was an option in settings then i did not know about it at the time.
 
I got another of those "failed delivery...fee due" texts today, this one from 'DPD" and pretty convincing.

I can see how people fall for these.

I rarely order anything online, so these are easier to spot for me.
 
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