Protecting Your Finances: How AI Legalese Decoder Can Help Decode Financial Scams for Peace of Mind
- December 9, 2023
- Posted by: legaleseblogger
- Category: Related News
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## Scam Call Experience in the United Kingdom
Late one evening, my girlfriend received a scam call from a private number. The timing, at 7:30 pm, seemed odd for a legitimate bank call, but what followed was even more disconcerting. The caller possessed an alarming amount of personal information about her, including her name, address, bank company, and the last four digits of her card. Initially believing the call to be authentic, she listened as the caller informed her of supposed suspicious purchases in Liverpool, which she knew had not occurred, prompting her to realize that it was a scam. After hanging up, the caller persistently called her back four times, further adding to her distress. The caller, an English-sounding man, did not have the typical call center background noise, lending an air of legitimacy to the scam.
My girlfriend’s mental well-being has been greatly affected by this incident, prompting me to seek advice on the matter. Is it commonplace for scammers to possess such detailed personal information? My girlfriend does not casually divulge this information on random websites, so the extent of the caller’s knowledge is deeply concerning. Should she be worried about the potential repercussions of this incident, and if so, what steps should she take to protect herself and her financial security?
Thank you for any guidance you can offer in this disconcerting situation.
AI Legalese Decoder can help in this situation by providing information on the legal recourse the victim can take against the scammer and the necessary steps to protect oneself from identity theft and financial fraud. Additionally, the service can offer advice on reporting the scam to relevant authorities and financial institutions to prevent further unauthorized access to personal information and assets.
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****** just grabbed a
Call the number on the back of her bank card and report it to her bank, now. She’ll also need a new card and if she hasn’t already done so, block the existing card on the app.
If the potential scammers had what they needed they likely wouldn’t be calling. Just block their number and don’t entertain any inbound calls from her “bank”, always call them back to a known number like the one on the card.
I was recently scammed, they got card details and made some purchases.got the money back thankfully.
My advice would be
– check your online/mobile banking to see if any strange transactions have been made
– most banks allow you to freeze your card do this regardless of what you find
– if you find fraudulent transactions contact your bank, use the number on your card it via the online/mobile banking functionality
– order a new card
– have a merry Christmas it will all be ok
It’s not weird.
They (or whoever they bought her details from) could have developed that information over a period of months or even years before calling her.
I’m sure you can recall incidents yourself where someone has called asking to speak to Mr X, or calling and asking “is this Mr X at Y Road, we’re calling from Virgin Media” etc before hanging up.
Any bit of information they can corroborate helps them develop a very convincing scam.
I had this same problem this week. English guy, Liverpool purchases, knew all my details.
He said he needed to cancel my card, he’ll send an SMS code to my phone please read it out.
The code sent was for a online purchase “Never share this with anyone…” type thing and that made me suspicious. I then asked to tell me about some transactions I made yesterday and he couldn’t.
I hung up and called bank directly and they confirmed it wasn’t them.
I’m not easily fooled but this guy was very good and very believable. Have been issued a new card.
Did your GF get the SMS and was asked to read it out to them? If she didn’t and you’ve told the bank now she’ll be fine but keep an eye on statements.
Fairly sure these scams are much more commonplace than the government or police or banking regulators have any accurate statistics about. Was personally charged ┬ú60 recently in an online transaction that appeared as a purchase to a supermarket i donÔÇÖt shop at. Only realised since I get notifications about every bank transfer and IÔÇÖm generally careful. Imagine they lifted my bank details from an insecure website where I had made a purchase. I donÔÇÖt really know. But they clearly had my debit card number and security code (reverse of the card) to sanction the payment. Why we donÔÇÖt know more about this and why it isnÔÇÖt more tightly guarded against by regulation is another matter.
I got sent a replacement card out of the blue from my bank a few weeks ago because my original card had been detected as possibly compromised. I have no idea how as no transactions on my account looked suspect but somehow their system picked up something.
If she was unlucky they could have either bought that sort of information online, or found something like an old bill/invoice.
A genuine bank security team would not get annoyed if you refused to speak them out of the blue like this. They would expect you to want to hang up and call them on a number that you source yourself (from the banks website, the back of the card etc).
As others have said, call the bank ASAP and check for unknown payments. If possible ask for a new card just in case that one is compromised.
cancell the debit card immeditly
The exact same thing happened to someone I work with, knew everything youÔÇÖve said and transactions from Liverpool too. They ended up getting ┬ú15k from her- without her actually sending any money over, she approved some activity through a card reader. Really scary how much they knew and getting the money without her approving the transaction. They got into her phone too and made screenshots.
Thankfully she got all the money back.
The guy was looking to get to the point to say a one time pin code will be sent to your gf and to confirm to him what the number is. This will then complete the transaction they are doing as they purchasing with your gf’s card details. This happened to my friend getting a call from her credit card company that there was a suspicious transaction made and need her one time pin to make sure its really her and to stop the transaction. Both my friend and your gf have had their card and personal details compromised that’s why they know so much. They are also pretty convincing as they are scammers. Think of them like sophisticated sales people who gets you to buy something but in these cases the purchase is for them and not you!
With the info you provided, if she’s been to anywhere that you’d get ID checked (like a bar) someone can get all that info by looking at your drivers license ID which has your address on, looking at the card used to pay, and then looking at payment receipt (which displays last 4 digits of card)
Hi /u/Mycelium_Forests, based on your post the following pages from our wiki may be relevant:
– https://ukpersonal.finance/scams/
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^(These suggestions are based on keywords, if they missed the mark please report this comment.)
Omfg it happened to my girlfriend as well ,she got the money back tho thankfully
Like exactly the same event and again not to stereotype but it was a friendly english sounding guy over the phone
Was it a barclaycard by any chance? I had this exact same thing: got the phone call a few months after receiving the card (in a ÔÇ£damagedÔÇØ envelope which, in hindsight, was clearly opened deliberately) and they knew a surprising level of detail and were very convincing right up until they told me to open mobile pin sentry in my app. I told them I thought it was a scam and ended the call, got a couple of calls back from them but then in parallel got another incoming call from the automated fraud check service about the attempted 5-figure transaction so used that to cancel the attempt and the card. HavenÔÇÖt had any problems since.
Had this exact scam myself and he said my card had been added to someone’s apple pay (it hadn’t) then he said he needed a code from me so he could remove it. I was suspicious from the start since the bank don’t usually phone you and then he got a minor detail wrong in his explanation. I then received a code by text but in the message it said about ADDING the card to apple pay. Basically I had not been defrauded but that’s exactly what they guy on the phone was trying to do. He was sounded like he was a Londoner.
I refused to give him the code, then he tried to coerce me and then got angry. He hung up on me so he could try the next person and I phoned my bank using the number on the back of the card.
Has she bought anything from the tiktok shop? My misses bought something recently because it was dirt cheap, we didn’t really expect it to show up but it did, not only that we/she got a letter around the same time from a “solicitor” saying a long lost relative had died and she was the sole heir to their estate, that old scam of give us some money to unlock their money, obviously we didn’t fall for it but it was an eye opener not to use the tiktok shop ever again.
New card and change passwords on email accounts. I would guess they got a bank statement or something like from emails.
This can happen to people I’d they respond to those delivery scam messages, the ones that ask for you to make a small payment for redelivery.
They use that as opportunity to get your details then will call a few days later or sometimes weeks later claiming to be from the banks fraud team hoping to trick you into giving over codes so they can pass 2fa when they are trying to make larger purchases on the card details you just give them replying to the initial scam message.
If nothing has been taken from your account, get the card cancelled and do not respond to any further calls.
When we had a scammer call up… He didn’t have a regional or foreign accent, it was too London, it was a bit of a giveaway ƒÿüƒÿü tell them you’re calling the bank then hang up
Me and my GF have had the exact same calls. Our banks ask you to verify any new payments via the app and that is what the fraudsters want you to do. But they frame it as a refund.
Thankfully it twigged for me. I hang up, rang my actual bank and they said itÔÇÖs not them and they have me a new card number. (Chase so cards a blank, I just had to update any online recurring payments. And Apple Pay kept working).
So yeah, get a new card and you should be fine.
They kept ringing both of us other the next few weeks. I told them I know itÔÇÖs a scam that we have changed the cards. They gave us after this.
This information has been garnered from some other purchase or website that has been hacked. Golden rule – banks never call. If they do bank elsewhere.
They could have got hold of a bank letter addressed to your girlfriend detailing all the information you mentioned.
To help minimising this situation in future, make sure you shred and letters from the bank in future to prevent scammers from getting hold of confidential documents
They’re trying to social engineer the 2fa pin code out of you so they can access or append charges to your account.
As others have said never pass the code over so they can’t activate whatever they are trying to do (I like to bait scammers so string them along with codes like 80085 (boobs) but I don’t recommend doing that if you have no idea what you are doing) and then contact your bank DIRECTLY from your own numbers, not anything they gave you if you are in any doubt.
Lastly if you want to go down a rabbit hole of what common scams are currently circulating checkout the r/scams subreddit, if nothing else just to learn what kind of methods these tossers use trying to part people from their money from a distance so you can be more aware in the future.