tsb fraud week the scammer



The Scammer

A scammer wears many hats… they can be your Romeo, a long lost relative, or even just a phone company representative in disguise. This classic type of fraud is aimed at tricking you into giving over money or information and can happen online (such as romance scams) or over the phone. One of the most common examples is phone calls from foreign numbers, asking for details. 

  • How could it affect me?

    You could end up:

    • Buying something that doesn’t exist
    • Giving away your personal information 
    • Giving away money under false pretences
    • Buying gifts, flights and other things with the pretence the ‘scammer’ is being honest 
    • Becoming emotionally involved with a scammer and willingly handing over hundreds and thousands of dollars
  • What can I do about it?

    When a scammer calls you, their main objective is to steal your information. Scammers can alter their phone country code and even use accents to try and trick you into giving them money or your personal information. If you're unsure if the caller is legitimate or not, ask them who they're calling on behalf of, hang up and then call the company back on their official phone number. 

    It's important to be cautious of anyone you’ve become emotionally or romantically involved with online, through apps or even over the phone, especially if they're asking for things such as money, gifts or plane tickets.

    Ask yourself

    • Do I know this phone number?
    • Would my phone company or bank really ask for this information over the phone?
    • Are they asking more and more from me (from a small transaction to flights and accommodation)?
    • Have I met them in person? Can I really verify their identity?
    • Am I able to call back the company number to verify? 





The Phisher

A ‘Phisher’ will send an email pretending to be a person, or even a company that has your best interests at heart. For example, your phone company may email you asking to update your information - including your bank account information. Or, you may be told you’ve won a holiday or large sum of money and simply ‘click the link to accept’. Asking you to take an action such as clicking a link is a classic sign of Phishing.

  • How does it affect me?

    If a Phisher is successful, they can affect you in a number of ways:

    • Infect your devices
    • Steal your personal information
    • Steal your financial information 
    • Bring down an organisation from the inside
    • Deliver Malware – widespread infection in a network
  • What can I do about it?

    Be suspicious of unexpected emails. Scam emails can look very real. They often include a link to a fake website, where you'll be asked to enter personal details or provide financial information. Don't reply and avoid opening any attachments or clicking on any links. Spam emails can carry viruses, so delete the email right away. If you’re unsure, you can always ask someone you know who’s computer savvy. The safest option is to delete. 

    Ask yourself: 

    • Are there spelling mistakes?
    • Does this make sense or sound odd or like broken English? 
    • Does it seem too good to be true? 
    • Do I know this person/company? 
    • Can I contact the person/company phone number to verify this claim?
tsb fraud week the phisher





tsb fraud week the opportunist



The Opportunist

The Opportunist can be anyone in your life who seeks to take advantage, with the general focus of gaining money or personal information. This type of fraud can happen in very close proximity to you, and you may not be aware that it’s happening. Whether it’s a grandchild that takes your Eftpos card and spends a little extra shopping for themselves, or a carer that could take advantage in a similar way – even a power of attorney that is no longer letting you control your own account. The Opportunist is anyone in your life, taking money from you without your knowledge or consent – and they are often, unfortunately, someone close to you. 

  • How does it affect me?
    • You could lose considerable amount of money over a period of time
    • See large sums disappearing from your account
    • Give away money as you feel ‘guilted’ into paying
    • No longer have control of your accounts
    • See transactions you can’t recall making
  • What can I do about it?
    • Don’t give away eftpos or credit card information to anyone – including family or carers
    • Delegate a trustworthy power of attorney
    • Ensure your lawyer is aware of your situation if power of attorney is initiated
    • Keep a watchful eye over your accounts and ensure you know what’s being spent where 





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