General Chat

nudge

Hi all:o))

This might be of interest aswell!!
Its from a friend.

jude sarf wales :o))



This one is pretty slick since they provide Y O U with all the information, except the one piece they want.
Note, the callers do not ask for your card number; they already have it. This information is worth reading. By understanding how the VISA & MasterCard Telephone Credit Card Scam works, you'll be better prepared to protect yourself.

One of our employees was called on Wednesday from "VISA", and I was called on Thursday from "MasterCard".

The scam works like this: Person calling says, "This is (name), and I'm calling from the Security and Fraud Department at VISA. My badge number is 12460. Your card has been flagged for an unusual purchase pattern, and I'm calling to verify. This would be on your VISA card which was issued by (name of bank) did you purchase an Anti-Telemarketing Device for £497.99 from a Marketing company based in London ?" When you say "No", the caller continues with, "Then we will be issuing a credit to your account. This is a company we have been watching and the charges range from £297 to £497, just under the £500 purchase pattern that flags most cards. Before your next statement, the credit will be sent to (gives you your address), is that correct?"

You say "yes". The caller continues - "I will be starting a fraud investigation. If you have any questions, you should call the 0800 number listed on the back of your card (0800-VISA) and ask for Security.

You will need to refer to this Control Number. The caller then gives you a 6 digit number. "Do you need me to read it again?"

Here's the IMPORTANT part on how the scam works the caller then says, "I need to verify you are in possession of your card." He'll ask you to "turn your card over and look for some numbers." There are 7 numbers; the first 4 are part of your card number, the next 3 are the security numbers that verify you are the possessor of the card. These are the numbers you sometimes use to make Internet purchases to prove you have the card. The caller will ask you to read the 3 numbers to him. After you tell the caller the 3 numbers, he'll say, "That is correct, I just needed to verify that the card has not been lost or stolen, and that you still have your card. Do you have any other questions?" After you say, "No," the caller then thanks you and states, "Don't hesitate to call back if you do", and hangs up.

You actually say very little, and they never ask for or tell you the Card number. But after we were called on Wednesday, we called back within 20 minutes to ask a question. Are we glad we did! The REAL VISA Security Department told us it was a scam and in the last 15 minutes a new purchase of £497.99 was charged to our card.

Long story - short - we made a real fraud report and closed the VISA account. VISA is reissuing us a new number. What the scammers want is the 3-digit PIN number on the back of the card. Don't give it to them. Instead, tell them you'll call VISA or MasterCard directly for verification of their conversation. The real VISA told us that they will never ask for anything on the card as they already know the information since they issued the card! If you give the scammers your 3 Digit PIN Number, you think you're receiving a credit. However, by the time you get your statement you'll see charges for purchases you didn't make, and by then it's almost too late and/or more difficult to actually file a fraud report.

What makes this more remarkable is that on Thursday, I got a call from a "Jason Richardson of MasterCard" with a word-for-word repeat of the VISA scam. This time I didn't let him finish. I hung up! We filed a police report, as instructed by VISA. The police said they are taking several of these reports daily! They also urged us to tell everybody we know that this scam is happening .

Please pass this on to all your family and friends. By informing each other, we protect each other.

Hi Yes i have received these emails to, but 1 of them was from the tsb to whom i bank with so i rang them and they told me that unless the last 3 digits of my bank number is on the email then not to click on the link as it will be a hoax. They just asked me to forward the email to them so that they can keep up to date with the email scams that are going round about their bank.

Now when it came to Nationwide, in which Ive never banked with them so i knew there was something fishy going on, i rang them out of courtesy and they just said there's nothing we can do about it. Nice i thought i was trying to help against crime.!!

Just delete then do your usual virus scan, not that I'm clever or anything just a thought though because you just never know.

Chelle x

I had a really good one from the 'Abbey' yesterday and as a customer had to take a double take before I twigged it was phishing. anyway printed it off and took it into the local branch, they were very grateful; and said they would pass it to their security department.

I would say that was a spoof, Bob. I used to bank with HSBC so when I got an e-mail supposedly from them I did forward it to them to check and it wasn't a genuine one.

But I'd also had Barclays, Halifax, I think NatWest and Bank of America and I knew these were dodgy straight away simply because I didn't have an account with any of them. I suppose they just send them out hoping that a "Barclays" one will reach an actual Barclays account holder.

Subj: Egg Bank Message Update
Date: 05/12/2007 03:01:47 GMT Standard Time
From: [email protected]
To: me @aol.com







Dear Egg Customer,


Egg is committed to protecting the privacy of the personal informations you provided when you update your accounts on our database.We agree to the
use of this information in accordance with the security team to make sure
your informations are safe and secured.

We always collect your personal informations and keep records of the machine being used, the web browser software. In the areas where you are managing your accounts we obviously know you and track what you do, both for security and so that we can improve the services we offer

To complete the updating with us, you are requested to click on your account botton below.

Thanks for your patience with us.


looking at the url, is it a spoof,or spam? or not?.
needless to say, No I didnt click on the " Botton"

and No, I dont bank with them either!!

Bob

another ones just arrived


HSBC Internet Banking Account Review Notification.
HSBC Internet Banking is constantly working to ensure security by regularly screening the accounts in our system.
As a new security measure to protect you from fraudsters accessing your Internet banking account,
We recently decided to review your account, so as to help us provide you with a more secure service.
your access to sensitive account features will be limited.
you have to log-in within 48hrs after receiving this notice to re-update your Internet banking account for urgent review.
After 48hrs your account will be disabled.
We would like to restore your access as soon as possible, and we apologize for the inconvenience.

Kindly re-update your Internet banking information by clicking on the link below.:


Click here to update your account


Security Department

HSBC Bank plc-Internet Banking 2007

Thanks for the explanation Mildred.....I was getting jealous there for a minute......why do they miss me out......maybe because I keep it under the mattress.....lol...

Apparently not !

I have Norton Internet security..

Thing is, its not a virus but a scam, so wont be picked up.
Nothing happens should you open the email.

Its only if you choose to click the link & give your details you lose out as they use your details !

I don't get any......I always thought if you had spyware or Norton or other protection it saved you from all this......

Another arrived today, slightly different


Your First Lloyds Tsb Online

Dear Customer,


Lloyds TSB has been receiving complaints from our customers for unauthorised use of the Lloyds TSB Online accounts. As a result we are making an extra security check on all of our Customers account.Changes to our banking services Please note that from 1 january 2007, the conditions and rates which apply to our personal bank accounts and overdrafts will be changing. We will provide all our customers with a copy of our new Personal Banking terms and conditions and the Personal Banking overdraft rates and charges guide which explains these changes. You can also view and download them at "www.lloydstsb.com" In order to protect your Account information from theft and fraud.


Due to this, you are requested to follow the provided steps and update your Online Banking details for the safety of your Accounts. Update Now .


However, Failure to do so may result in temporary account suspension. Please understand that this is a security measure intended to help protect you and your account. We apologize for any inconvenience.



Thanks for your co-operation.



Fraud Prevention Unit
Legal Advisor
Lloyds TSB.

Another thing to look for is anything which addresses you as "Dear Customer" or a variant.

This will ALWAYS be a phishing attempt, a genuine one will at least address you by the name in which the account is registered.

Another thing to look for is anything which addresses you as "Dear Customer" or a variant.

This will ALWAYS be a phishing attempt, a genuine one will at least address you by the name in which the account is registered.

Have a look on this website for all the typical phishing emails around..

http://www.millersmiles.co.uk/

Feeling left out now, not had one today...

*waits to be bombarded tomorrow lol*

just got another from "Yorkshire bank"

different looking email, mainly same words
.................................................
Account Suspended Update Now

Dear Valued Customer,

During our regular update and verification of the Yorkshire Internet
Banking Service, we could not verify your current information. Either
your information has been changed or incomplete, as a result your
access to use our services has been limited.
To restore your online
banking access, kindly update your information. You can update your
online banking details by following the link below.

Click here to update your account

Thank you for banking with Yorkshire Bank,

Sincerely,
Customer Service

I sometimes get e-mails from my bank but they always begin - If you don't bank electronically with us, please delete. And I delete.

I delete everything from any other bank, too, without opening.

i had one from nationwide and i do use them rang them up and they told me send it to them which i did
Dutchxx

i had one from nationwide and i do use them rang them up and they told me send it to them which i did
Dutchxx

Just got another

......................
CUSTOMER SERVICE MESSAGE

Dear Valued Customer,

During our regular update and verification of the YORKSHIRE Internet
Banking Service, we could not verify your current information. Either
your information has been changed or incomplete, as a result your
access to use our services has been limited.
To restore your online
banking access, kindly update your information. You can update your
online banking details by following the link below.

Click here to update your account

Thank you for banking with YORKSHIRE BANK.

Sincerely,
Customer Service
YORKSHIRE BANK