You use your computer or mobile device for many everyday private or confidential tasks, which is why it is essential to take precautions to protect it from viruses and spyware. One type of spyware becoming increasingly common is known as a RAT (Remote Access Trojan), which criminals can use to access your computer or mobile device to take control of it to obtain your private information or spy on you. This is known as ratting.
This booklet was designed by the Neighbourhood & Home Watch Network (England & Wales) (NHWN). NHWN is a national charity and umbrella body which represents all Neighbourhood Watch and Home Watch members across England and Wales. It is the organisation that engages with the government, partners and like-minded organisations at a strategic level. Our website iswww.ourwatch.org.uk
Think you wouldn’t fall for a scam? You’re probably more vulnerable than you realise. Winifred Robinson investigates the latest frauds.
The Internet, like the physical world, may be safe or unsafe, depending on your habits. You are safe in the street if you use crosswalks and obey traffic lights, but we don’t recommend that you stroll around late at night with a wad of cash sticking out of your pocket. Life on the Internet comes with a few rules that are equally obvious, but not everyone is familiar with them. By taking this test, you will discover the degree of risk that you are exposed to when you are online and how likely you are to lose
Source: Are you cyber savvy? |
SIM Swap fraud or SIM Splitting, a financially-motivated mobile phone threat, is gaining momentum according to Foursys.Remote banking losses increased significantly last year, according to the latest FFA UK (Financial Fraud Action UK) report. “Total remote banking loses increased by 72 per cent to £168.6 million in 2015. A key driver of this increase was the rise in impersonation and deception scams in which a criminal dupes the victim into giving away their personal and security details. The criminal t
Spring has sprung so what crime does it bringEssex Police Crime Prevention Tactical Advisor, Stephen Armson-Smith, has recently sent me this timely guidance for your information. You might like to share it amongst your friends. (I have edited it a little)Well, spring has sprung and the migration into the garden has commenced with all the extra jobs that it brings. Unfortunately, with the spring season also comes seasonal crimes too and we need give this a little consideration to prevent them and help others avoid becoming victims too.
Two years. That is how long it’s been since Microsoft abandoned its record-beating operating system, Windows XP.Despite the fact that during all this time there haven’t been any security updates or patches rolled out for its users (with some industrial solutions being the exception), the system still runs on almost every tenth computer worldwide.
You may remember there being news headlines reporting a series of such illegal and unauthorised interception (also known as hacking) of databases belonging to some of UK’s major retailers and service providers, such as TalkTalk, Carphone Warehouse and British Gas, during 2015.
What does this mean? Do we stop using online facilities because of the potential risk of getting our personal and payment data exposed to online fraudsters? Or, do we take preventative steps that can help us stay protected from becoming victims of identity theft and online fraud?
Well, we think that it is important for us to understand that identity fraudsters have been found to be highly educated and intelligent people, who have the required sophistication and technical knowhow to misuse identity information of someone else for their own financial gain. However, we also know need to be aware that government bodies and specialist organisations in the field of payment technologies are bringing about stronger data security solutions, such as stronger, impenetrable digital encryption technology, so that consumers, like us, can conduct financial transactions in safer digital environments.
How you can help to prevent identity fraud? There are several steps that you can take to help prevent identity fraud from happening to you and your loved ones.
Below is a list of our suggestions:
- Recognise the signs of identity fraud: If your bank statement and/or utility bills do not arrive; or you receive bills for products and services that you know you have not signed up to; or you do not recognise transactions that appear on your bank statements; you receive letters from debt collectors or solicitors about loans that are in your name that you are sure you have never taken out; or important documents, e.g. your driving licence or passport are lost or stolen; these could all be possible indicators of identity fraud.
- Contact the authorities as soon as possible: If any of the above circumstances apply to you, then we suggest that you get in touch with your bank, the debt collector and the police to report your concerns and take necessary further steps.
- Do not give out your personal and payment details online: While this may sound obvious, we strongly suggest that you be careful in giving out your personal and payment details online. You see, for every genuine website, there may be several that are not. A genuine website belonging to a bona fide business is not likely to ask for your personal or payment details via email. They would have strong login procedures that they would have told you about when you signed up with them.
- Be sure to check that the website you are on starts its address with “https” as opposed to “http”: This is because the “s” stands for “secure”. In other words, the website has digital encryption technology to protect all data shared on it. This applies especially to when you are thinking of making purchases from a website or a social media platform.
- Look out for the golden padlock sign on websites: This should come before “https” text in the address bar of your browser and indicate that the site is secured with digital encryption.
- If you are moving house, be sure to let all the relevant parties know about your change of address: This can include your bank, your doctor, your utility providers, the TV licensing office and any credit or store credit card providers that you have accounts with.
- Monitor your credit report and credit score on a regular basis: We think it is better to shred any old documents that contain your personal and payment details, as it then becomes less likely for prying eyes to be able to decipher your data, let alone misuse it for their own financial gain.
- If you find that your credit score has dropped, in spite of you having made regular credit repayments, you may wish to check your credit report for any unrecognisable entries and your bank account for any unrecognisable transactions. In such cases, we think that it would be in your best interests to contact your bank to query all this.
This is a question being posed by as part of a police warning about skimming devices.
People are reminded to be vigilant around ATM after skimming devices continue to be found on them in in various parts of the UK. Can you tell which of these two machines has a skimming device attached? See the answer at the bottom of the story.
A police spokesman said: “The incidents have been reported about people have been putting their card in the machine to withdraw cash, but their bank card has not been returned by the machine. Please be vigilant when you use a cash machine and take a look around the machine to see if you can spot anything unusual before you use it. Always cover the keypad as you enter your PIN number and, if you insert your card and it appears to be stuck or is retained, then check the facia and contact your bank or card issuer immediately. If you notice anyone acting suspiciously then please contact the police as soon as possible.”
Advice and tips for when using cash machines include:
- Looking for anything that seems out of place such as ill-fitting components, wires, tape, hidden cameras or missing panels. If the card gets stuck, or you notice an error message, alert the bank immediately and inform the police.
- Shield your pin number; discreetly putting your money and card away before leaving a cash machine; reporting incidents promptly to your bank and the police and saving your bank’s phone number into your mobile phone.
- If someone is behaving suspiciously behind you or making you feel uncomfortable, cancel the transaction and use another machine.
- Don’t be distracted by others while at the cash machine. Keep an eye on your bank statements to check for any unusual activity.
*The answer to the photo is, the one on the right has the skimming device attached. Clue: Look at the arrows – they are much too close to the slot in the photo with the device fitted.