Check out the latest Scam Alert advice

Check out the latest Scam Alert advice

by John Trotter (February 2022)

LAST week, I mentioned that I would be telling you about the issues arising from Courier Fraud.

First of all, we need an explanation of the meaning of Courier Fraud. Courier fraud is when victims receive a phone call from a criminal who is pretending to be a police officer or bank official. Typically, victims are told to withdraw a sum of money and someone is sent to their home address to collect it. Criminals may also convince the victim to transfer money to a ‘secure’ bank account, hand over their bank cards or give the criminals high value items, such as jewellery, watches and gold (coins or bullion).

Just because someone claims to know a few basic details about you, such as your name and your address, it does not mean they are genuine.

One common tactic used is where victims are contacted by a suspect who attempts to persuade them to purchase gold as part of a ‘police investigation’ that is later collected by a courier on behalf of the criminals. In some cases, the suspects have invited themselves into the victim’s home and collected other valuables, saying that the victim’s possessions are no longer safe and they, ‘as the police’, can safeguard them. Another common tactic used is called “open phone” where the victim is persuaded to stay on the phone to the criminal whilst they go to withdraw money or go to a jewellers. This stops the victim interacting with anyone else, or having the chance to think about what is really happening. 

Action Fraud advises that the public follow the advice of the Take Five to Stop Fraud campaign to keep themselves safe from fraud.

Stop: taking a moment to stop and think before parting with your money or information could keep you safe.

Challenge: could it be fake? It’s okay to reject, refuse or ignore any requests. Only criminals will try to rush or panic you.

Protect: if you think you’ve been a victim of fraud, contact your bank immediately and report it to Action Fraud online at actionfraud.police.uk or by calling 0300 123 2040.

Now, some protection hints for yourself and your family:

Your bank or the police will never call you to ask you to verify your personal details or PIN by phone, or offer to pick up your bank card by courier. Hang up immediately if you receive a call like this.

If you need to contact your bank to check the call was legitimate, wait five minutes as fraudsters may stay on the line after you hang up. Alternatively, use a different line altogether to contact your bank and ensure you call them back on a number listed on the bank’s website, or on the back of your debit or credit card.

Your debit or credit card is yours: don’t let a stranger take it from you. You should only ever have to hand it over at your bank. If it’s cancelled or expired, you should destroy it yourself.

Finally, some tell-tale signs of attempted courier fraud:

Someone claiming to be from your bank or local police force calls you to tell you about fraudulent activity, but is asking you for personal information, or even your PIN, to verify who you are.

They are suggesting that you call them back, so you can be sure they are genuine, but when you try to return the call, there’s no dial tone.

They say they are trying to offer you peace of mind by having somebody pick up the card for you, to save you the trouble of having to go to your bank or local police station.

If you are scammed online, you can contact Citizens Advice over the phone (Mon — Fri 9am to 5pm) on 0808 250 5050, or via webchat, or use the online helper tool to identify whether something is a scam at https://www.citizensadvice.org.uk/consumer/scams/check-if-something-might-be-a-scam/

If you or someone you know is struggling to pay bills or outstanding debts, Citizens Advice may be able to help. Citizens Advice Sefton telephone service is available: Help To Claim advice line number for help claiming Universal credit is 0800 144 8444. 8am to 6pm. Mon to Fri. For general advice . 0808 278 7841 (freephone) Mon – Fri 9.30am – 4.30pm and text relay for people with hearing impairment: Text relay: 03444 111 445 for people with hearing impairment .The debt number is 0151 318 6407. 9.30 to 4.30 Mon to Fri. Our local website address is- www.https://seftoncab.org.uk/Citizens Advice Lancashire West telephone is available between 9.00am – 5.00pm Monday to Friday, & 9.00am and 1.00pm Saturdays on Adviceline 0344 245 1294 and Help to Claim line0800 144 8 444. Their website address is citizensadvicelancashirewest.org.uk



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