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.

What part if, we will never ask you for your bank details, password or PAN number don't you get 🙄🙄🙄🙄

Presumably the scammers did something like this.

Reset | Getting online | Lloyds Bank

I think that if you assume that all calls are a scam, and be on alert from the start it helps.
So I got a call, from someone saying they were my internet provider, they were calling to upgrade my account and would need to verify my bank account. So, I asked them which provider? They couldn’t answer, so I said, until you tell me which broadband provider you are calling from, I won’t be giving you any information. They hung up. Never called again.

And I’m with a bank which calls, but always says on online banking, that they will never ask for account details, log ins, etc over the phone. The correct number to call with concerns is on their online banking page. If I get a call on the landline saying it’s my bank, I call them back on my mobile.

Sorry this has happened OP, but just follow the basics. The scammers are getting really clever, but you’re in charge. Nip it in the bud, they have a script, shut it down. Deep breath, call your bank from another phone.

We're going back about 15 years, but my bank (HSBC) did phone me when my credit card was used fraudulently. They sorted it all out from their end and I didn't have to give any information.

A few things sound off here.. Doesn't, add up. Are you a scam merchant?

If a get a call from anyone you suspect to be a scammer. Put the phone down and ring your actual real bank straight away and see if they have been trying to get in touch with. you

I’m sorry you got scammed but I’m concerned you were still speaking to the scammers pretending to be your bank when they told you they’d never heard of this scam

it’s been going on for a long time. Not only do you need to hang up, you need to call your bank from a different phone. They keep the phone line open & pretend to be your genuine bank again so they can prevent you from reporting it & actually securing your account.

change your log in details from a different device & make sure there’s no malware on your phone

I had the exact thing yesterday. They said they were from Santander. They knew my name, postcode and asked if I had just tried to make a £300 payment to Argos. I said no. They then asked me to log onto my app and confirm the exact balance to the penny. At that point I said I would hang up and call back to make sure this was genuine. I then got two texts from them with the Y for yes and N for no to various transactions.

santander then cancelled my card but as I was talking to them they tried to put through loads more transactions all over the world.

she said their next step would have been to ask me to confirm the OTP and possibly download something on my phone to take control.

really annoying as now have to go onto all online accounts and update my card details

@ny20005 It was definitely my bank, I called much later using 159 and the payments were refunded

There's a lot of people who don't get that. Many on this thread, for example, think it means "your bank will never call you". Which is incorrect.

I read them but they never explained how they got her OTP in the first place. Only that some banks do send phone calls to enter the OTP.

Glad to hear you've been refunded, I have a mobile phone that takes 2 sims so I have aphone no I never give out. I was scammed by responding to a message from Tesco telling me I could get a new phone. My contract had just fi ished so I ordered tge phone. A carer took the parcel in for me. When I opened ut I saw it was an Apple iPhone and then a scruffy guy in an unmarked van with no identity said it needed to be returned which I refused to do. Eventually Tesco arranged for a marked DPD van with drivers ID to collect it. But I lost my debit and credit card due to fraud. It ended up with my dds beibg taken out piecemeal and without a phone I had no access to online banking. It took several attempts to get a pin no I could use. NatWest know who is responsible and they're being monitored. Tesco report the fact you've been scammed to the police. I keep getting phone calls to say I'm eligible for a free upgrade to my loft insulation. I refuse to get involved in these calls. I think these must be self employed salesmen as they are all different nos.

Call them back on the number from the trusted source, not the one they rang on too.

I watc that. The buggers told her to put her mobile in another room. No chance anyone could contact her. The BBC kept blocking the website. Which automatically reconnect. They did manage to call her during a block telling her it was a scam. Her response was OH not again. She'd been scammed before.

I won't speak to my bank on the phone which they're aware of. I have extra security on my phone. Some company in Malta tried to scam me just before Christmas they withdrew money but I was notified, froze account and contacted Barclaycard. Was a nuisance because I had to wait for a new card.

DH thinks I'm paranoid. I only keep around £200 in my current account.

I read them but they never explained how they got her OTP in the first place. Only that some banks do send phone calls to enter the OTP.

This is from the Lloyds bank link I posted above - how to reset your log in details;

1. On the login page, select Forgotten your login details?.
2. Enter your details and if you don’t know your User ID, we’ll ask for account details instead.
3. We’ll now do a quick security check to confirm it’s you. Select a number for us to contact you on.
4. We’ll send you a one-time passcode text, we’ll ask you to enter it. If we called you, we’ll ask you to say or key the code on your phone.
5. All done, you’ve updated your details and can use them to log in.

Sounds to me like this is what happened because the scammer asked for the account details from the OP, received a OTP on their phone, persuaded the OP to put the OTP into the OP's phone, thus confirming to the bank that it was a genuine request. Then the scammers change the log in details and the OP is locked out of their account.

Obviously the OP shouldn't have given out the account details or put in the OTP but it's good that she was refunded.

So there's no point in being careful, the scammers and the gullible win hands down, the banks' customers pay for it!

It’s good that you’ve posted about this OP.
I’m an avid fan of shows like MoneyBox and other consumer shows and I would have know this was a scam straightaway. I listen and watch shows like that because I find them interesting but I really think everyone needs to invest time into learning about scams and online security. The scammers are always on the look out for new ways to rip people off so everyone needs to be careful.
It’s always the scammer and not the victim that at fault but some people make it too easily for the scammers. Look at the number of people that use the same password over multiple accounts for example.
Im glad you are being refunded. I’m sure you won’t fall for a scam like this again.

“Select a number for us to contact you on” should only be from phone numbers registered with the account.

If you can input any phone number that’s a majorly security flaw.

“Select a number for us to contact you on” should only be from phone numbers registered with the account.

You'd hope so but who knows.

The main thing is not to fall at the first hurdle and give out account no and sort code. But OP knows that now. I’m glad she got her money back so quickly.

If you can input any phone number that’s a majorly security flaw.

But remember the scammers wouldn't have got any further if the OP hadn't put the OTP into her own phone.

Not a banking scam but I had a phone call from my mobile provider asking if I had added a brand new iPhone to my account and a change in phone number. I thought that was a scam as I have watched too many scam interceptors and rip of britain programmes! I actually gave the caller abuse and told him he was a scammer etc. About a hour later I then logged into my mobile provider app and there on my account was a new iPhone with a message saying number change in 24 hours.
I rang them this time and someone had indeed hacked into my account and added it on and requested a number change. I would have been without my number and paying for my current contract and new iphone for a scammer to use!
So its best to be vigilant and always hang up and ring the genuine number.

I'm sorry this has happened to you OP, and hope some of the advice here can help you recover all/ some off of money. Thank you for sharing your experience and protecting other people from the same.

Fucker's. I don't know how they sleep at night.

Erm my bank has called me to confirm transactions, and it was a legitimate call. I know some banks say they don't call you, but some do.

Credit cards, I know not banks exactly, often call or contact to confirm dodgy transactions. Its easy to get conned if you are having a tricky day and not on point.

OP I'm sorry this has happened, whilst it may be a common scam, I suspect it works alot or they wouldn't put so much effort into making it work. So I'm positive you are not the first or last to get scammed.

Action fraud sound like no action fraud. How come they can't trace accounts but if you try to open a legit one you have to jump through hoops. Its always the good guys at tye weakest moment that get stung.

I hope things pick up for you and the bad guys get karma, but last point unlikely.

I agree with this. Although I often get astonished remarks when I refuse to go through security when the company has called me (a number of them I do think were genuine) but even so I wouldn’t share the information. I tell them to write to me of what they want to say is so important.