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MoneyMagpie
TOP SCAMS AND HOW TO PROTECT YOURSELF FROM THEM
Jasmine Birtles
http://www.moneymagpie.co/ https://www.linkedin.com/company/moneymagpie.com https://twitter.com/Moneymagpie?ref_src=twsrc^google|twcamp^serp|twgr^author https://twitter.com/Moneymagpie?ref_src=twsrc^google|twcamp^serp|twgr^author https://plus.google.com/+MoneyMagpie/posts https://www.youtube.com/jasminesmoney
TOP SCAMS AND HOW TO PROTECT YOURSELF FROM THEM
HAVE YOU BEEN SCAMMED IN THE LAST FEW YEARS?
LEARN HOW TO PROTECT YOURSELF WITH THIS EASY GUIDE
Jasmine Birtles
If you have answered ‘no’ it’s likely that you are either staggeringly lucky or unaware of having had some cash taken from you by a clever fraudster.
Scams are happening every minute and they are perpetrated by experienced and professional fraudsters whose job it is to steal money from other people.
These frauds and scams are happening online and offline and there are many, many ways that criminals can get at your cash now.
But are we helpless to fight it?
No!
This book will give you the tools to protect yourself against scammers at home and abroad, and even find out how to get your own back.
TOP SCAMS AND HOW TO PROTECT YOURSELF FROM THEM | PAGE
CONTENTS
Chapter 1
TYPES OF SCAMS …………………………………………………………… 6
Chapter 2
HOW TO SPOT A SCAM ………………………………………………… 7
Chapter 3
SCAMS GUIDE………………………………………………………………… 8
Chapter 4
WORK AND BUSINESS - HOME WORKING SCAM ………… 9
Chapter 5
WORK AND BUSINESS - SENIOR MEMBER BUSINESS SCAM … 10
Chapter 6
WORK AND BUSINESS - FAKE INVOICES SCAM ………… 12
Chapter 7
HOLIDAY AND LEISURE- FAKES ………………………………… 14
Chapter 8
HOLIDAY AND LEISURE- FAKE SHOPPING SITES ……… 16
Chapter 9
HOLIDAY AND LEISURE- FREEBIES …………………………… 20
Chapter 10
HOLIDAY AND LEISURE- HOTEL SCAM ……………………… 19
TOP SCAMS AND HOW TO PROTECT YOURSELF FROM THEM | PAGE
CONTENTS
Chapter 11
HOLIDAY AND LEISURE- HOLIDAY BOOKING SITES FRAUD …… 21
Chapter 12
SOCIAL MEDIA- FRIEND IN DISTRESS EMAIL SCAM: ‘SPANISH PRISONER’ … 22
Chapter 13
SOCIAL MEDIA- TINY URL SCAM ………………………………… 23
Chapter 14
SOCIAL MEDIA- FAKE FACEBOOK FRIEND SCAM ………… 24
Chapter 15
TAX- TAX EMAIL SCAM ………...............................................… 25
Chapter 16
TAX- SCAM TEXT MESSAGES FROM HMRC ........................… 26
Chapter 17
FINANCE- BOILER ROOM SCAM ………………….........................… 27
Chapter 18
FINANCE- SCAM TARGETING PEOPLE WITH LOANS .....… 28
Chapter 19
FINANCE- INVESTMENT FRAUD ........................................… 29
Chapter 20
FINANCE- WESTERN UNION SCAM ..................................… 31
TOP SCAMS AND HOW TO PROTECT YOURSELF FROM THEM | PAGE
CONTENTS
Chapter 21
FINANCE- FINANCIAL OMBUDSMAN IMPERSONATION SCAM ...........… 32
Chapter 22
FINANCE- BANK TEXT SCAM ..............................................… 34
Chapter 23
TELEPHONE CLASSICS- PHONE SLAMMING ................… 36
Chapter 24
TELEPHONE CLASSICS- CLAIRVOYANT SCAM ............... 37
Chapter 25
TELEPHONE CLASSICS- NATIONAL ACCIDENTS HELPLINE SCAM ... 39
Chapter 26
PERSONAL DETAILS AND ID- CARD SKIMMING ........... 40
Chapter 27
PERSONAL DETAILS AND ID- ID THEFT …………............ 42
Chapter 28
PERSONAL DETAILS AND ID- PHISING AND SMISHING ... 45
Chapter 29
The Dark Web ........................................................................ 46
6
Chapter 1
TYPES OF SCAMS
There are many different scams around, and new ones being thought up pretty regularly, but they tend to fall into a few basic categories.
• ID Theft – somebody takes on your identity. • Financial and investment scams – you are exploited through finance or
investment schemes which are fraudulent. • Impersonation scams – somebody pretends to be someone they are not
in order to scam you. • Authority scams – where either someone comes to your door pretending
to be a policeman who needs to check that you haven’t been burgled…then burgles your home as he ‘looks around’, or you get a ‘phishing’ email. apparently from HMRC or another Government department telling you that you are owed a tax rebate or that you have to pay.
• Fakes – a medley of possible fraud based on faking an item for a consumer.
• Work scams. This could be one of the various awful homeworking scams or, more recently, emails that say you’ve been selected to do a great job and all you need is a bank account where some money will be ‘resting’.
Note that most of these can happen online, in fact oftentimes it’s easier and takes less effort for fraudsters to trick you on the web!
TOP SCAMS AND HOW TO PROTECT YOURSELF FROM THEM | PAGE
https://www.moneymagpie.com/save_money_categories/rip-off-britain
7
Chapter 2
HOW TO SPOT A SCAM
Online and offline scams now happen more regularly than celebrities going into rehab so you should be on your guard more than ever.
Oh, and get your credit checked out if you have any concern that someone is using your ID for fraudulent purposes. In fact, it’s probably worth joining up one of those credit check services where, for a monthly fee, you can check your credit file any time, day or night.
We used to think that was just over-the-top but now we’re all going to have to do it sooner or later to keep an eye on our accounts and stop this international criminal activity getting totally out of hand.
TOP SCAMS AND HOW TO PROTECT YOURSELF FROM THEM | PAGE
8
Chapter 3
SCAMS GUIDE
To make things easier for you we’ve broken up this guide into 8 sections dealing with all areas of fraud and scam you might come across. Handy if you’re looking to protect yourself from a particular type of con.
Our sections are:
1. Work and Business
2. Holiday and Leisure
3. Social Media
4. Tax
5. Finance
6. Telephone Classics
7. Personal Details and ID
8. The Dark Web
TOP SCAMS AND HOW TO PROTECT YOURSELF FROM THEM | PAGE
9
Chapter 4
WORK AND BUSINESS
HOME WORKING SCAM
According the Action Fraud: “The scheme organiser will make you pay an advance fee, avoid paying you for the work you’ve done, make you buy worthless products or make you sign up others to the scheme before you’re paid.” These scams exploit you as a worker, and make you think everything is worth your while, but it simply isn’t.
What you can do
Don’t bother with envelope-stuffing schemes. We haven’t found any that were worth it. Don’t go for anything that asks for payment upfront to join or get an information pack. Check with this site and ask on the comments on articles like this one if you’re not sure if something is legitimate or not. Read our article on home-working scams here to find out the main types you could be conned into doing Then check on our Make Money section for real ideas for making money from home.
Here’s Money-making ideas for the over 60’s and Online surveys. Those are just for starters.
There are real ways you can make money from home but be very careful if it’s something we haven’t recommended. Ask us first if you’re in any doubt!
TOP SCAMS AND HOW TO PROTECT YOURSELF FROM THEM | PAGE
The scam
You know what they say, if it’s too good to be true…
Yet, thousands of people still get lured into easy money-making schemes through offers to start your own business from home or work from home.
https://actionfraud.police.uk/fraud-az-work-from-home-scams https://www.moneymagpie.com/save-money/work-from-home-scams-and-how-to-avoid-them https://www.moneymagpie.com/make-money https://www.moneymagpie.com/article/919/money-making-ideas-for-the-over-60s/ https://www.moneymagpie.com/article/509/online-surveys/
10
Chapter 5
WORK AND BUSINESS
SENIOR MEMBER BUSINESS SCAM
The scam
This scam was discovered by Financial Fraud Action UK. Fraudsters are sending spoof emails to workers impersonating senior members of the company, such as the finance director or chief executive. They then ask the worker to transfer them money, usually saying it’s an urgent circumstance such as it’s needed to secure a new contract. However, of course, the payment is made to the fraudster’s account and they then withdraw the money straight away. What’s worrying is how convincing this scam can be. Fraudsters use software to manipulate the characteristics of an email so it looks genuine – it includes the correct sender’s address and looks like an email a worker really might get from a senior member of staff. Sometimes fraudsters are even able to hack the actual accounts of members of staff, often on w
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