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Bank card and PIN number Scam

Geoffrey Settle

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Recived from Cheshire Police Alert system yesterday - you've probably read it before but worth a reminder.

Cheshire police have been made aware of a current "scam" to try and obtain both your bank card and PIN number:

Firsty, calls are being made by these fraudsters, claiming to be from your bank, or the police. They inform the person they call that their bank card has been used fraudulently.

They then suggest that you hang up and ring your bank or the police to ensure that the call is genuine. DON'T BE FOOLED, they stay on the line. They then ask you to read out, or key in your PIN number on your phone keypad.

Finally they send a taxi or courier to your address and collect your bank card. With this they have your PIN, and card, and are free to spend YOUR money.

REMEMBER: Your bank or the police will NEVER ask for your PIN or bank card. DO NOT GIVE THESE TO ANYONE.............

Please pass this message on to friends, relatives and neighbours.

Please do not reply to this message as any replies will not be answered


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Errm no Geoff;  they (the crims) are still on the line, so how do you ring another number (Police or Bank), using the same phone? Now perhaps one could understand ringing the Police on a cell phone, and hope Plod is quick enough to trace the caller on your land line. or am I thinking too much?!

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Someone reported on a Warrington facebook crime page a few weeks back that they had had a similar call to their landline number from PC World saying their card had been used fraudulently in there and that they should ring their bank etc. 

They were quite savy so rang PC world back using their mobile (not landline) and were told by the store that no they hadn't rung and would NEVER ring people to tell them that anyway as after all how would they get a persons home phone number just from a bank card :wink:

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If someone rings your landline, even if you put the phone down the caller is still connected until they hangup. So all they have to do is to wait for you to dial the bank then they simply say hello this is your bank but you've still got the original caller. 



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Forgive my slowness; but if you can't get through to the Police/Bank; wouldn't the logical and safe move be, to put your phone down - hence "scam" wouldn't work?


Provided they don't put there receiver down then the line is still active - hence you can't use it you get through to the scammer - instead of phone a friend you have to go and find a friend with a phone or use one of your other phones :oops:


Obs you must remember the old days and party lines when you shared a line with one of your neighbours and could listen into their conversations :mrgreen:

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Eagle your edit of my comment for accuracy is WRONG...... of course it is a scam !! 

They hear you hang up or pretend they have but they are still on the line and they often just play what sounds like a dialing tone down the phone so you 'think' you are dialling someone else normally.
It's not rocket science :lol: :lol:

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What’s wrong about all this is that the police don't or wont take any action against the scammers and instead just try telling people how not to get ripped off. This clearly doesn’t work otherwise we wouldn’t be seeing ever increasing numbers of people falling for this kind of thing. Clearly they can if they wanted too, trace calls and emails as we’ve seen recently with terrorism and child porn so why don’t they do it with scammers?


Bill :)

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So, if you try your own number using a cell phone, it will be engaged, thus showing the same caller is still on the line. Then you can call the Plod on your cell phone. But if folk dealt with this like I deal with cold calls, the phone would go down immediately after the part where they say "hello" = end of scam !

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That's all well and good but not all people think of these things and are so easily tricked by something that looks or sounds official. Remember Peter a few years back falling for the old Microsoft scam and ending up paying some scammer to fix a none existent fault on his PC? Check out how much is scammed each year in the UK and it runs into the hundreds of millions and yet the police wont do anything about it.



A small selection from my recent emails ALL of which are bogus 
The submission for reference 485/GB4300006 was successfully received and was not processed.
Check attached copy for more information.
This is an automatically generated email. Please do not reply as the email address is not monitored for received mail.
Dear Valued Customer,
Our records shows that your NatWest Credit Card Online Services security details was recently changed on Tuesday, March 03, 2014 at 06:36:42 PM. Please confirm that this request was made by you.
Yes, I made this request.
No, I did not make this request.
Best wishes
David Lampard
Head of Credit Cards
Valued Customer,
Recently, we noticed that someone has made suspicious attempts
to log into your online account from this (IP) address ""
Therefore our security commitment forces us to block your account temporarily until
you verify your identity on our systems.
Click Here To Continue
Customer Service
Lloyds Banking Group PLC 2014.
Dear Customer
Please find below your Banking Form for Bankline.
Please complete Bankline Banking Form :
- Your Customer Id and User Id - which are available from your administrator if you have not already received them
Additionally, if you wish to access Bankline training, simply follow the link below
If you have any queries or concerns, please telephone your Electronic Banking Help Desk.
National Westminster Bank Plc, Registered in England No. 929027. Registered Office: 135 Bishopsgate, London EC2M 3UR.
Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority.
The courier company was not able to deliver your parcel by your address.
Cause: Error in shipping address.
Package: 112937490536
Print this label to get this package at our post office.
Please attention!
For mode details and shipping label please see the attached file.
Please do not reply to this e-mail, it is an unmonitored mailbox!
Thank you,
UPS Logistics Services.
The submission for reference 495/RA5847052 was successfully received and was not processed.
Check attached copy for more information.
This is an automatically generated email. Please do not reply as the email address is not monitored for received mail.


All of the above looked genuine with the correct logos etc. :evil:


Bill :)

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I used to get a lot of cold calls on my landline, probably still in fact. These days i do not amnswer the landline just let it go to the answer machine. Most of my relatives contact me via mobile and on the odd occasion that they do use the landline they leave a message even if it is only, "bloody anser machine again".  the majority of cold calls do not leave a message unless it is one of those "government legislation means that you could get a free boiler and loft insulation please press 3 to speak with an advisor"


only once ever picked up one of those and spent fifteen minutes goingthrough all the questions, the final one of which was are you on any benefits. on answering no they then told me that i wasn't eligible for the grant sorry. as for the bank scam ones. i have two of those so far and dealt with them by asking which bank it was they represented. tehy said your bank. Oh HSBC then, yes was the reply. pity i don't bank with them then was my comeback followed by phone going dead at their end.

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I know that there are a lot of these scams going about and they range from the so obviously a scam to the really plausible kind. What amazes me is the number of people who get caught out by them. there are programs on the telly warning about them, articles in newspapers warning about them and posts on forums and faceache about them but people still get caught out.


obs my mother got one of those calls and made an appointment to go and see the people involved. muggins here was the one who had to take her as there was nobody else available. a half hour wait for the guy to do the hearing test followed by a ten minute wait to see the legal representative who siad that she did have significant hearing loss but because of her age the chances of getting compensation were slim as it could be argued that it was more age related than anything else. For this read that it would have cost them more to persue the case and they woulld probably  have lost so it would have cost them money.

(My mother is really hard of hearing by the way and has been wearing hearing aids for quite some time.)

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I think there's a big difference between companies like this who are simply jumping on the compensation bandwagon to try and make money and those who are simply out to try and get your bank details. The way I see it is that any attempt to fraudulently get your bank details is attempted robbery and should be treated as such but the police say no crime's been committed provided the intended victim follows their advice.



Bill :)

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