Posts Tagged ‘scams’

M&S sparks card fraud

March 16, 2018

M&S has currently an Up To 50% Sale. Yes, a con, it should be a real sale, 50% Sale, not 50% in huge letters and hidden in the small print up to 50% which is meaningless.

Contempt for customers by M&S. The same contempt we see when M&S cannot be bothered to man the check out tills in their food sections.

No surprise, M&S a failing retailer.

There is though a fraud mimicking the contempt for customers, thus appearing to be genuine.

Sparks Card holders have received an e-mail, telling them they have been specially selected to take advantage of the 50% Sale, have to buy now, click on a link, have less than six hours, and to make the case, a clock is counting down.

It looks legit only that is all too easy.

The e-mail address looks odd, but could be legit.

It is not. Do not clink on any of the links.

The giveaway is the clock. Standard for fraudsters, limited time to take advantage of an offer.

The e-mail address raises doubts.

A further giveaway the points recorded.

Only one way to find out.

Purchase made in M&S, the usual appalling wait, insufficient tills manned.

The points recorded on the till receipt did not match those recorded in the scam e-mail.

A conversation with a store manager.

She kindly checked her Sparks Card e-mail, mention of the Sale, virtually identical, but no clock counting down.

M&S have been asked to notify every single Sparks Card holder to warn them of this fraud.

If you have received this fraud, delete, but better still mark as junk or a phishing scam.

It would also be wise to run a virus scanner.

It is also worth checking with your bank for any fraudulent transactions, especially if you are foolish enough to do on-line banking.

Now it may be, M&S also ran the clock. If they did, they are using the same sales tactics as fraudsters, and if they did, it opens the floodgates to fraudsters to make their scams look legit.

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Dodgy builders

March 13, 2018

Last week within a space of two days, dodgy builders called, one offering repairs to the roof, the other the roof required washing.

If dodgy builders come calling, do not engage, call the police, if maybe work does need carrying out, ask reputable builders to take a look and provide a quote.

A cold calling zone can be established.

roof repairs

Dodgy builder calls. The roof requires repair work.

He was in for a shock. A meeting with Trading Standards and Police was taking place at the house where he called.

When questioned, he refused to answer questions, who he was, name of company, turned nasty then legged it up the street.

The incident was called in.

roof needs washing

How gullible are people?

Dodgy builder calls late morning.

Two rough looking white guys in their twenties, dressed in dark clothing, the one who called at the door a black beard. Had it been night they were dressed for a bit of house breaking.

The roof requires washing. This was following a morning of heavy rain.

Not only did the roof require washing, it required spraying to make it waterproof.

We have had centuries of straw, slate and roofing tiles, but the roof needs spraying to make waterproof.

Dodgy builder refused to leave his leaflet. Managed to acquire one left in letterbox of neighbour.

Police were notified. Local beat officer arrived promptly.

no cold calling zones

Where there is a problem with nuisance doorstep callers,  the Police and Trading Standards with the agreement of local residents can establish a No Cold Calling Zone.

scams and fraud

Dodgy builders are one of many frauds and scams relieving gullible people of their hard earned money, often of their life savings.

Phishing scams, text, e-mail, dodgy web sites, telephone calls, used to obtain bank account details. Within minutes account will be emptied.

Vital Nature and associated companies dodgy pills and potions scam. Pills and potions of dubious provenance, operating out of France though that could be a front address.  Credit card fraud, money laundering, harassment phone calls.

Commemorative mint scams, must have commemorative coins, offered at special price. In reality worthless junk metal.

Australian Lottery scam. You have won but need to pay administrative fee to release your winnings.

Long lost relative scam. Would love to visit, if could only could afford air fare from Australia.

Phishing scam

February 22, 2018

A few days ago I received an e-mail purporting to come from HMRC.

I did not open it. To open it risks malware. Nor did I delete. I mark such e-mail as a phishing scam.

The call that comes through purporting to be from your bank.

There has been an attempted fraud on your account.

Oh.

Yes, but do not worry, our fraud team caught it in time.

Can you  before we discuss it any further confirm who you are? We will need to ask you a few questions.

Full name, date of birth, address ….

This is another example of a phishing scam.

Never discuss anything on the phone, and that includes carrying out a survey.

There has been two of these in the last couple of weeks.

One claiming to be a survey by a hospital, another a random survey.

Yet more examples of phishing scams.

For fraudsters a very useful app for their smart phone. Can set the number of where calling from that will appear on the victim’s phone, can set background noise to create the illusion of where calling from.

As I am writing, a call from a fraudster.

Hello, I am from BT Open Reach, I would like to discuss Internet.

Do not have BT Open Reach.

I would like to discuss Internet.

Don’t have Internet, middle of nowhere.

You do not know why I am calling?

Yes, you are a fraudster, I am recording the call. I have a police officer here.

You have a police officer there?

Yes. I have a police officer here, I am recording the call, the police officer would like to talk to you.

The line goes dead.

Facebook is a goldmine for fraudsters. Facebook is not a social network, facebook exists to steal and abuse personal information.

No matter how many times people are advised not to, they post on facebook where they live, schools, work, name of dog, name of partner, date of birth. All of which is valuable information to the fraudster.  And to help the opportunist burglar, we are on holiday.

Once the phishing scam has access to bank account details, the account will be emptied, possibly even before the call ended.

Easy money for a conversation lasting little more than a minute.  Scams that are netting the fraudsters millions of pounds.

The fraudsters recruit students, who recruit more students. Their accounts are used to launder the money.

Phishing scam is not the only fraud, there are many many more.

Vital Nature and associated companies dodgy pills and potions scam. Pills and potions of dubious provenance, laced with lead, several hundred times recommended dosage, billed for stuff not ordered, stuff ordered does not arrived, harassment phone calls, credit card fraud with card details. Scam mail delivered by Royal Mail.  Operates out of France and that may only be a postal address, a front for somewhere else.  By operating from France, outside jurisdiction of Police in the UK.

Commemorative coin scam. Mints offering worthless commemorative coins. That being only the first part of the scam. Second part, unsolicited coins arrive, if not returned at your expense will be billed.

Dodgy builder scam.  Work that did not need doing. Details of house security passed to opportunist burglars.

Australian Lottery scam. You have won but need to pay administrative fee to release your winnings.

Long lost relative scam. Would love to visit, if could only could  afford air fare from Australia.

The Westminster Collection

February 7, 2018

Latest scam from The Westminster Collection is the RAF 100 commemorative coin.

Delivered in an official looking envelope, with accompanying sob story of two WWII aircrew, and what better way to commemorate these brave aircrew than buying a worthless commemorative coin.

Not only that, you have even been specially selected for a discounted special offer, you and every other mug who has received the letter, fools and their money easily parted.

Veterans appear to have been targeted. Has a veteran organisation handed over details? Worrying and depressing if that be the case. But equally could be on a scam list.

The Princess Di coin scam, Falkland War coin scam and many others form what is known as the mint scam.

These are not the only scams. Vital Nature and associated companies pills and potions scam.

These worthless commemorative coins forms only part of the commemorative mint scam. The next part, if foolishly part with money, will be supplied unsolicited coins, billed if not send them back at your expense.

Send a polite letter, have not ordered unsolicited goods, will be kept for ten days then disposed of, onus on the mint to arrange collection at their expense.

The Consumer Protection (Distance Selling) Regulations 2000 state that unsolicited goods which have not been ordered and are sent ‘out of the blue’ can be treated as an unconditional gift; in other words, you can keep them or dispose of them as you wish. The Regulations make it a criminal offence to demand payment or threaten legal action to obtain payment for unsolicited goods or services.

If as has been reported RAF Association has endorsed this coin, the trustees should resign for legitimising a scam.

If wish to commemorate aircrew from WWII, visit International Bomber Command Centre, give them a donation.

Please warn veterans of this scam.

PPI claims industry

November 7, 2012

Banks have created an entire new industry, PPI claims industry, these are the jerks who plague us with nuisance telephone calls and sms text messages offering to recover what you are owed on Payment Protection Insurance, even though you may not have any.

The biggest mis-selling consumer scam of all time, Payment Protection Insurance, peddled by the crooked banks. PPI was sold from 2005 until it was challenged in the High Court in 2010.

It was a gravy train for the banks, now it is a gravy train for the companies who claim they will help you recover what you paid, at a fee of course, often an extortionate fee, which leaves little left for the claimant.

It is free to claim what is owed. It is easy to claim what is owed. It does not need the services of these con merchants and scam artists.

Around 35 million were sold the PPI scam. The Financial Ombudsman is reviving 1,000 complaints a day re PPI, so far half a million complaints received, more than on any other subject.

Often people were sold PPI by the banks and never realised they had been sold it.

A quarter of people have been told by their banks they were not sold PPI, when checked, it proves to be a pack of lies.

Now who would have believed that, banks a bunch of congenital liars!

The Financial Ombudsman is finding in complainants favour in over 90% of complaints against Barclays and Lloyds.

The next big scandal to hit the corrupt banks is mis-selling of interest only mortgages. As loans become due, home owners are being forced to sell their homes to pay back the loan.