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HANDY HINTS

The Pensions Regulator: How to protect yourself against scammers

If you are thinking about doing something about your pension pot it is worthwhile checking out this article from The Pension Regulator with their top 5 tips about how to protect yourself against scammer. 

Click here to read the article in full. 

                                                                                                       

How BT Call Protect can help banish Nuisance calls

Did you know that as a BT Customer you are able to set up your own 'Blacklist' stop you getting any further unwanted calls from specific numbers.  

The BT Call Protect feature in free to set up and helps put you in control of your phone. 

Further details can be found on the BT website, by clicking here:  http://ow.ly/wk3f3082uRb
                        


TAKE 5 TO STOP FRAUD

Back in September The Yorkshire Post ran a headline that 'Conmen hit public every 15 seconds in Britain', with figures released that there were over one million cases of financial fraud detected where victims lost money in the first half of 2016 alone. 

FFA UK (Financial Fraud Action) have joined forces with major banks and financial services providers to launch a new public campaign 'Take 5'. The aim is to encourage people to pause and think before they respond to any financial requests or hand over any personal details.  

Katy Worobec, Director of FFA UK said their aim is to "empower people to take back control of the conversations and not feel that they've got to listen politely while someone cons them out of their money". 

FFA UK website: https://www.financialfraudaction.org.uk/ 
The Take 5 campaign website: https://takefive-stopfraud.org.uk/
                             


FOCUS ON PENSION SCAMS

The Financial Conduct Authority (FCA) is urging vigilance following a recent surge in unsolicited contacts as fraudsters are targeting pension savers and particularly the over 55s. The ability to transfer our of pension arrangements to seek better returns in the current low investment environment and invest in unfamiliar types of products may be tempting but could potentially end in disaster, with a loss of pension funds and tax penalties.  


The response to any such contact is to do your own checking before requesting a transfer from the Plan and investing. The FCA has a 'ScamSmart' website, http://scamsmart.fca.or.uk, the FCA warning list and the FCA Register, to check the legitimacy of the people they are dealing with. 

Taken from: Kelda Group Summer 2016 Pensions Newsletter (Issue 41)

 


                    

 

 

EMAIL SCAMS

If you have an email account, chances are you will at some point receive a 'spam' email offer.  

The good news is that the majority of 'spam' email will be picked up by your PC protection software and it is important that you do have this installed on your computer, Laptop or mobile device.  However even with this protection, some 'spam' emails will still get through.  Just see below some examples we have had on our email recently. .  

 

Here are our Top Tips for handling your emails: 

 - DO NOT open an email that you think might be spam

 - NEVER click on any link in an email if you have opened it and then think it might to spam 

 - If an offer seems too good to be true - It probably is

 - Spam emails can look like they come from genuine sites for example HMRC. [If you are unsure about the email, do not open it and look to contact the organisation via another method, such as search of their official website / use contact details on a valid correspondence you have already received]

Remember the Direct Marketing Association do offer an Emailing Preference Service (eMPS) which allows you to have your details removed from marketing lists, this may not stop all unsolicited emails, but should reduce them. To register for the free service visit https://www.ims-dm.com/cgi/optoutemps.php. 

 

BE AWARE – BE SAFE FROM BANKING SCAMS

Here are 3 top tips to keeping your banking details and money safe:

  1. Your bank or the police will never ask for your PIN, your bank card or to withdraw money 
  2. Never give your PIN to anyone.  The only time you need to use your PIN is at a cash machine or when you use a shop’s CHIP and PIN machine
  3. Do not hand over your bank card or any goods you have purchased as the result of a phone call to anyone who comes to your door
 

Taken from: The Little Book of Big Scams – Metropolitan Police

       


Scams Checklist

If you receive an offer that seems too good to be true it may well be a scam!

Ask yourself the following questions:

  • Was the offer unsolicited? (i.e. You have never had any contact with the person/company before)
  • Are you urged to respond quickly?
  • Do you have to send money to claim a prize or gift?
  • Do you have to pay an advanced fee so that money can be transferred to you?
  • Are you asked to ring a “09” telephone number?

o   Prices for these calls are higher than normal and part of the call charge is paid to the organisation you are calling.

  • Do you need to provide bank or credit card details?
  • Do you have the full contact details of the company?
  • Are you asked to keep the offer confidential?
  • If you are corresponding with someone online are they asking you for personal details without revealing things about themselves?

These are all indicators of possible scams.  To report scams contact the Citizens Advice Consumer Service Tel: 03454 04 05 06 or go to www.adviceguide.org.uk

Taken from:  Age UK – Avoiding Scams Booklet

   


Junk Mail

For many of us there is a never ending stream of junk mail through our letterboxes.  It may be addressed to us personally, or more often, simply to “The Householder”

Either way it arrives whether we want it or not!  So how can we stop or at least reduce this?

There are a number of steps you can take:

·         Contact the Mailing Preference Service

·         Register for the Royal Mail’s Opt-Out Service

·         Register with the Direct Marketing Association “Your Choice Scheme”

·         Contact the Bereavement Register

To find out more about how to complete these, please click here to download a 'Junk Mail - Information Sheet'.  Alternatively please contact the Safe Hands team now on 01609 778652 or email wendy@nyadvocacy.org and they will send one to you. 

The Safe Hands team can also arrange for a member of the team to visit you at your home to help you get to grips with your Junk Mail once and for all.  



Postal Fraud


During the festive period you may receive additional letters and parcels to your address. However, not all these may be for you!

Fraudsters will purchase goods online and often utilise an innocent person’s address to smooth the progress of the fraud. Once an item has been delivered to an address a person wearing ”official looking" clothing will approach the address and attempt to take possession of the package or parcel by stating it has been incorrectly delivered.

These parcels are purchased by means of fraudulent activity such as cloned credit card details, and your address used to cover the criminal's tracks.

How you can protect yourself:

  • Ask for identification if you are approached by anyone attending your home.

  • Do not let anyone inside your home, if you are suspicious in any way.

  • Do not sign for anything you have not ordered or are you not expecting.

  • Never accept or handle anything you deem suspicious.

If in any doubt call the police

 

Advise Via: North Yorkshire Police (http://www.northyorkshire.police.uk)

 
                   

 

Telephone Calls


If you receive a telephone call from someone you don’t know, always ask for the name of the person you are speaking to and who they represent.  

You should verify this information by calling the company’s head office yourself ideally on a different phone line.  If you use the same telephone straight away, the caller maybe holding this line open and you are still connected to them.  They can then pretend that you have rung a head office number. 

Metropolitan Police, The Little Book of Big Scams, 2015

 

 


BE AWARE – BE SAFE FROM BANKING SCAMS

Here are 3 top tips to keeping your banking details and money safe: 

BE AWARE – BE SAFE FROM BANKING SCAMS

Here are 3 top tips to keeping your banking details and money safe: 

BE AWARE – BE SAFE FROM BANKING SCAMS

Here are 3 top tips to keeping your banking details and money safe: 


Taken from: The Little Book of Big Scams – Metropolitan Police