Just got scammed out of almost 1k

[BonneMamanAbricot]

Please be so careful of phone calls from your bank. Always call them back, as caller ID can be faked. My actual bank said they had never seen this scam. They duplicated everything, all the spiels, the robot connecting voice, the hold music.

Second month of being paid after 5 months of no income. Back to nothing again. FFS.

I have everything face ID’d now. I don’t even know my passwords, I get access to my bank app through my face.

Yes but to set up the payment they would need to be in her account and they would need her user name and PIN number for that.

Yes, I called hours later and they transferred me to the fraud dept

It's not quite true to say the victims weren't daft, the one with the couple and the collections is jaw dropping in its daftness

I didn't receive the OTP so I didn't receive any warning of what it was or not to share it. The scammer received the OTP and gave me a false explanation

Watch scammers payback it shows these scams all from dodgy call centres.

I got scammed in a fucking car park. It was cashless and someone had put a fake QR code on the information board. I thought I was paying for two hours' parking. Turns out I was setting up a subscription to a fake company

I've read about that. Also QR codes on pub tables (especially outdoor ones). You think you're ordering food and find that you've signed up for something you don't want. You need to look carefully at the QR code itself (is it plastic or laminated or just a sticker?) and at the website it takes you to.

I had something similar in a car park (not a QR code, it was a parking app). What alerted me was the site asked for my credit card before taking my car registration. I thought that was a bit odd so I cancelled out and started again a bit more carefully.

Banks often wont refund on scams under £100 but you should pursue this. Be pleasant but bring into conversation their Financial governing authorities. Ombudsman ?

My bank never rings me. If the fraud department phoned I would assume it was a scam and phone my bank. That banks do not make unsoliciited calls to customers is all over (the few) branches that exist. Please, please don't fall for these people, they are very clever but just bear in mind: your bank will not make you unsolicited calls, if you get one, call your bank at once (there is a general fraud line), and part with no info.
So sorry this happened to you. I had a near miss with a text that purported to come from the NHS. A friend was present and said they thought I had been scammed and I at once phoned my bank and cancelled all my cards. Very, very lucky!

No they never went “into” her account.

They set up a payment page based on the info she gave them and the Op authorised the payment.

I think that's the bit that is difficult to work out, if they were able to get the OTP why weren't they able to give it to the bank.

It would be really useful to know which bank it is, any account I've used sends the OTP to your mobile so how did the scammers receive it? If they somehow changed the phone number on your account then they could speak to the bank themselves

I don't answer my phone to numbers I don't know. If it is important they will leave a message. I often check a number online that has rung me and it almost always comes up that it is a known scammer

Both my doctors’s surgery and the hospital ring from number withheld or, as happened recently, an unknown number. They say it is to protect my privacy in case someone could see my screen - though if someone was in a relationship where they didn’t want it known they were being contacted, they could save the number as something else. Inconvenience of the many to protect a theoretical unknown few.

What do you mean by your bank never rings you?

How do you know there is no circumstance in which they wouldn't call you? It's not like they're in the habit of making social chit chat calls randomly to the rest of us.

I haven't heard them all! But the ones I've listened to while driving on long journeys very much covered the scenario OP is describing.

Don't be silly.

Banks fraud departments absolutely WILL phone you if they have concerns about your account - as many PPs have attested on this thread.

What they WON'T do is ask you your accno & sort code. Or your pin. They might take you through security but that would only involve giving one or two characters from your password/pin.

Yes I have no idea. The only thing I can think is that my number was on the account so they needed me to authorise it for 2 factor ID. I don't know how they got the OTP and not me but I had no notification other than the automated call asking me to key it in. When I called the fraud dept they said it sounded very involved and higher-level than usual. The fraud dept said the scammer had accessed my accounts and set up multiple payees and transfers. The account was then frozen when they tried to make other payments online.

That type of scam has been demonstrated more than once on TV progs. about them. It’s evidently well used.

It is a good series but it's not only about bank scams amd you do wonder about the peopele who fell for some of them

I do wish our Government would bring pressure to bear on the places where these scammers work from. In a variety of ways.
The biggest centre for financial scammers is India, and Pakistan.
To do nothing about it is scandalous. A political shrug of the shoulders. No. Visa restrictions, expectation they are closed down even ? Try a bit ?
Do some work those in charge.
This sort of theft makes me angry.

It's Report Fraud now, same phone number but not available in Scotland.

I can only think Report Fraud have closed the OP's case because the bank is still investigating or insufficient information was provided.

"fiendishly clever'? What are you on about. I just don't have the time or inclination to talk to people who probably want to scam me or sell me something or otherwise want to waste my time. I only answer known callers or will answer if the screening tells me it's someone I am expecting to hear from.

Never, EVER give out your information to ANYONE calling you. Say “thank you for letting me know”, look up their number and call them directly yourself. Real banks will ask for your postcode and letters/numbers from your security word. They never, EVER ask for your sort and account numbers. I thought everyone knew that by now tbh. I’m sorry about your money, OP.

I'm going to go into the bank on Monday and tell them to send the new card direct to the branch so I can pick it up there. That courier story is crazy, the lengths they will go

Sadly all sorts of vulnerable people and less vulnerable get scammed. The elderly, the not so able.
I hate the people who do it. The misery they cause is criminal.