How to prevent being a victim to fraud or scams

Recently Cheshire Police have seen an increase in scam and fraudulent incidents being reported. One scam which is concerning is what we call ‘courier Fraud’. Courier Fraud is when a scammer makes contact with the victim this can be from reputable organisations like the police or your bank.

Bank Fraud

There are many variations of fraud for example one of the most prevalent in todays society is Bank fraud. The concept is that scammers will ring your phone claiming to be from your bank saying a fraudulent payment has been spotted on your card and needs resolving, it’ll be something that’ll try to make you worried and act quickly without thinking straight so that they elicit your information.

This process is called phishing, once they are in contact they’ll ask you to ring the number for your bank – convincing you that its genuine. However the scammer keeps the phone line open at their end so when you make the call you are unknowingly connected straight back to them or their colleagues. The next step will be they’ll ask you for your pin number, the scammer then sends a courier or taxi to pick up your card from your home, in some cases its possible the driver doesn’t even know he’s a part of the scam.

Police scam

The police scam is similar to the bank as they overall goal is to take money out of your pocket into theirs. In this scenario the scammer will make contact with you and state that there is a corrupt member of staff within your bank or post office and the police will need your help to identify them.

They then proceed to tell you to withdraw a large amount of money from your account telling you that the money is going to be marked by the police or bank to be placed back into the banking system. They say this process will help identify the corrupt, which in some aspects does, because its them!! When handing the cash over it is taken by the scammers.

After reading these scams you my feel like these seem obvious, however these scammers can be extremely convincing in the way they present themselves and then they.

Another variation is being asked to purchase an expensive watch, or other high value item, to try and identify counterfeit goods. You will then be told to hand this item to a taxi driver for transfer to the police. The item is consequently passed to the scammer.

Important Information to remember.

  • Remember – Your bank or the police will NEVER ask for your pin, you bank card or for you to withdraw money
  • Caution – NEVER share your pin with anyone, the only times you should use your PIN is at a cash machine or chip n pin.
  • Think – Never hand your bank card or any goods you have purchased as a result of a phone call to anyone who comes to your door.
  • Investigate – If you think you have been a victim of this scam, call the police!

If you feel you have been in any of these situations and have been scammed as a result of this visit for more advice

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