There are some very cleaver people out there who instead of applying their talents to generating their own income, would rather devise schemes to steal your hard earned savings. Here are some to look out for.
The letter, email, SMS claiming that you could be rich
By now we are all wise to the letters from someone from another country claiming to have a fortune with your name on it. Or the SMS’s announcing that you have won the lottery in another country, or that your number has been chosen and is a winner!
The ‘bank support’ call to fix an error
This one is going around on Facebook. The victim gets a call from the ‘bank’ that a deposit was made in error to their account. The victim is requested to kindly transfer the amount back to correct the error. What has happened is that a check was deposited (which will bounce of course) but it is apparently reflected in the balance account (as uncleared), but will catch the unwary out and trick them into transferring their savings.
Technical PC support call
A technician from Microsoft (or another software company) calls to notify you that they have noticed that you have issues on your computer. The victim is then asked to follow a few steps to correct the problem, resulting in the fraudulent technician gaining remote access to the computer. From there he can monitor the victim’s actions and ultimately steal your banking details and access you email.
The broken card machine
After a meal at the restaurant you hand over you card to pay the bill. The waiter swipes the card and you enter your pin, and then the machine ‘breaks’. A new machine is fetched and you repeat the payment process. What has just happened is that the waiter has stolen your card details and your pin.
The email from your bank
These ones look legitimate at first glance, from the correct logos and contact details to the official wording and links, it can easily trick someone into clicking on the link. The letters usually state that there is some sort of problem with your account and you need to login immediately to avoid it being suspended, or to allow the ‘deposited/pending’ funds to clear, etc. If you follow the link in the email the resulting site looks identical to the banks website, the difference being is that this one is designed to steal your account login details.