Category Archives: Scam protection

Top 7 online safety tips

 

 

 

There’s no doubt that scammers and fraudsters are going to work as hard to get much out of shoppers the following weeks of Black Friday & Cyber Monday followed by Christmas shopping. What aRe the top five safety tips to consider:

Cloned Websites

This is very common despite that most shoppers do not even take notice. Cloned websites look and feel the same with the same logo, so that it is very difficult for ordinary shopper to detect. This means whoever uses the cloned websites will have their card details stolen, and of course no order will ever be delivered. What are the common giveaways to detect cloned websites? The most common is the name, look for the true name, for instance, we can have amaxon.co.uk instead of amazon.co.uk. Look for the green padlock which indicates security, although Google says there are many greenpadlocks now that it is looking at changing that algorithm. The green padlock can be put there to help deceive you further.

Another giveaway is bad spelling and or grammar, someone said here is your ‘attashement’ instead of attachments, and or we have ‘theze’ products on offer for you etc.

Look also critically at the website, does it look professional enough, this is another giveaway if you want to take care.

Copycats e-mails

Are made to see like they come from organisational giants like BT, HMRC, Microsoft, Yahoo and Outlook. The recent one I received from Outlook was telling me I need to increase my email capacity, otherwise I my account will be deleted, as I have used all my mail capacity on outlook. The copycats emails letters also have original logos, so you really have to careful in order to detect the truth. These emails, otherwise called phishing scams, always contain a link for you to click to update. Do not click on any link on these e-mails, all links have phishing links even the one that says, ‘IF YOU NO LONGER WANT TO RECEIVE EMAIL FROM US, CLICK HERE’. Just delete immediately, or if you have an outlook account, it can be reported as a phishing scam.

 

Online reviews

Is the merchant name new or unfamiliar to you, you can always detect by reading online reviews like in TRUSTPILOT. You can also use search engines like Google, Yahoo and others to learn more about the merchant. If the name does not come out, then you know it is fake.

Unsecured Wi-Fi

Yes, it is true that you want to surf, and carry out important transaction including online shopping on the go, unsecured Wi-Fi is one that can be easily accessed by cybercriminals, including stealing your personal and sensitive data. Never use free and unsecured Wi-Fi, any open zone Wi-FI for that matter.

Use credit card

Always use your credit card. Luckily EU has now scrapped the etra charges made by merchants for paying with a credit card, making it a lot cheaper for you to buy by credit card. Credit card payment gives a higher guarantee on your purchases, making it very easy to retrieve your money from any unscrupoluos merchant. All you have to do is to report to your card company with the necessary details. Not only can they refund your money, they will also ‘flag’ information about the merchant, and share such information with others.

Update softwares always

For security reasons, software need to be regularly updated when updates become available. This is because update always improve on security, and made available to users.

Use strong passwords

Using strong passwords that contain, upper and lower cases, numbers and special characters cannot be easily identified or hacked, giving you extra security.

 

What is Voice Recognition Scam?

 

 

 

Voice Recognition scams which wiped off several hundreds out of people’s bank balances are now creeping in, into UK.  Voice Recognition uses voice signatures to charge you for products and services, and it is perfectly legal if you subscribe to it. However this Voice Recognition Payment has created a huge loophole for scammers’ action.

How Voice Recognition Work

You get a phone call from a local number,  the person on the phone will introduce himself, his products and or services. The person then will ask you a very direct question, ‘ CAN YOU HEAR ME?’ Your answer is recorded. If you say ‘YES’, your response can be edited, and subsequently use in purchases of goods and services that you know nothing about.  Your voice recording can also be tendered as evidence of an agreement to the transaction.

Of course, for scammers to be able to lay hold on you paying for goods and services, will target you for others too, like laying hold on card details and other useful IDs like your (DOB), and residential address.  The scammers are ready to delay getting these useful information about you on delay tactics.  That is, once they have your voice recorded saying ‘YES’, they can look for an avenue to get others, like your address and card details. A good example of this is offering a sample product, and asking that you only pay for the postage. If you agree to this, both you address and card details are then at their disposal.

How to protect yourself from Voice Recognition Scam

If you ever get any such call, and the person ask you ‘CAN YOU HEAR ME?’  don’t give any direct question like ‘YES’, you can say, ‘I CAN HEAR YOU CLEARLY’. Needless to say, just hang up the phone after that. And you must remember not to say ‘YES’ on the phone during phone conversation to telemarketers, especially to anyone you do not know.

Do not agree to test product samples that you will have to pay for the postage. You might think you are having a bargain, but the actual motive here is getting your bank details and or residential address. to further defraud you. Indeed, let caution be your watch word.

 

 

Looking for love? Don’t be scammed this Valentine

 

 

 

 

Report from FBI indicated that romance scam is the highest financial losses of all internet facilitated crimes with losses of over $230m.

The internet age is making most things possible, including of course for those looking for love through online dating.  This means that ‘SPECIAL PERSON’ can come from anywhere in the world, even from a country that one has never visited. This is where online relationship scams come in. These scammers take undue advantage of human need for love, affection and companionship.

Fake Social Media Profile

Online relationship scam can happen to anyone, indeed anyone who is on dating website is susceptible. These scammers fabricate and exaggerate their social media profiles, get others to follow them to boost their profiles, all to trick you into falling for them. Do not trust the photo displayed on the social media, it is usually culled from old magazines. Men are targeted by photos of extremely attractive females, while men pose as very successful.

Will avoid face to face meeting

This is because they are not genuine, and the cat will be let out of the bag. They are likely to be away on ‘overseas assignment’, a perfect excuse for not being able to meet up with you for now.

Request for money

This is the only reason he is on the dating website in the first instance, to scam others by asking for money for non existence medical emergencies, either for self or family members. Do not send  money to anyone you have not met in person, especially when you are on a dating website.

All dating websites are susceptible

All dating websites are susceptible. Do not think you can pick and choose a website based on ‘quality’, as these scammers prowl on virtually on all websites, so be cautious.

Be cautious

one out of ten sex offenders get their victims online. Ten percent of all dating sites are scams, and twenty five percent of rapist use dating sites to seek their next victims.

 

Beware of scams

 

 

 

At this time of the year, and with the need to buy early for Christmas, and hunt for real bargains, has increased invitations for scammers and fraudsters.  Here are the alarm bells to look for:

Fake website

Designing a website, registering and hosting is very easy and cheap, so it is not a surprise that fake websites spring up from time to time. These fake websites are there only for one thing – to scam you and I of our hard earned cash. Fake websites take up names close to the real ones, so that if you are not cautious, it is easy to mistake one for the other. A good example of a fake website for ticket scams is AA.com can say to represent American Airlines .com

Protect your card and PIN

Protecting your card and pin is the most sensible thing to do. Never disclose your pin to anyone, and you pin and card should not be put together. In deed  it is not wise to write your pin down anywhere, it is best to memorise it.

Beware of free Wi-Fi

Unsecured free Wi-Fi is another alarm bell, as it is easy and possible to prey on whatever you are logged into.  Scammers and fraudsters do actually prey on you to trap on your banking details and passwords.

Use strong passwords

A strong password helps further your security. Do not repeat passwords too many times, and also change your passwords regularly.

Prevent remote access to your computer

Never allow remote access to your computer, even if it is someone you trust. Having a remote access enables the other to keep working with or without your consent, leaving you vulnerable at all time.

Ignore unsolicited emails

Unsolicited emails, or phishing scams as they are called, are sent to scoop on your details, and this can happen if you respond by clicking on the link sent with the e-mail. Never never open such emails. Delete immediately.

Too good to be true deals

If a deal is too good to be true, its probably is , so do not fall into any such scams and think you are buying cheap.

Pay with a credit card

Always pay with a credit card if you have one, as they are much more secured than a debit card, bank transfer or handing over cash. Credit cards companies have a way of taking back money fraudulently obtained from you.

 

Mobile Phone Scams

 

 

 

Mobile phone scams or ‘smishing’ as it is called, is where scammers send a text or link to your phone, purporting to be from your bank, energy provider or even tax authority trying to get you to give out sensitive information .

Mobile phone scams have more than double recently because more and more people are now using their mobile for surfing and for other online services. So scammers find this a haven for fraudulent work.

How ‘smishing’ work

Scammers here pretend to that the message they send you is very urgent, which you need to respond to immediately. They might say, they need to confirm a payment request from your bank or similar issue like that. Sometimes they can ask for your bank details or pin, they will say this is to confirm whether it is you.  The essence is to steal your identity for a more sophisticated fraud.

How to be safe from scams

  • Do not give out any personal information on the phone to callers, even if they said they are from a legitimate company.
  • Do not call them back immediately or on the phone number they gave you.
  • Drop the phone immediately, just hang up on them.
  • If you want to be sure, get the company phone number directly from phone book, before calling to check from them.
  • Do not open any link just delete  immediately.

Ignore a call or email you do not recognise

You are wise to ignore any call or mail you do not recognise. This is because scammers are now likely to make threatened call asking for immediate payment, which otherwise will make you suffer catastrophe.

Scammers are likely to present themselves as your energy provider, lottery officials, tax office, insurance agents, computer technicians, or charity organisation.

Just hang up on them, or better still do not pick up.

Organisation now help to limit scammers operation

Most internet giants are now helping to at least limit scammers’s operations. Agreed they cannot totally be eradicated. Companies like Microsoft, Yahoo and Google are now ale to encrypt fraudulent links, although most still escape their actions. Microsoft have a way to request users to report scammers email, text or link.