Kind of happened again. Someone, allegedly, based in Ireland, tried, yesterday, to get through my Bank security system and order him/herself goods to the value of £116.45 and £129, plus a deliveroo for good measure. On my Credit Card.... I received a text from a number that I didn't know, advising me of the charges, saying that they blocked the purchases from going through and asking me to reply to the text to confirm whether it was me or not. A few minutes later I receive another text from my bank number asking for a reply to the earlier text.. Strange.. So I got directly on the phone, chose the right options when prompted and got to speak to a lovely lady, that helpfully confirmed that someone in Ireland tried to be naughty by ordering goods online, and that they have the IP address concerned. We went through all the charges up to the last time I used the Card in Paris a couple of weeks ago, cancelled it and was told that another one will be issued ASAP. It proves that Lloyds, as a bank, are extremely vigilant and quick to act, besides being very helpful. But this episode left me wondering, where and when my details were copied... Maybe one of the Hotels or outlets where I did use the card in France, Belgium, Germany or Italy.. Or was it done directly at the point of booking Hotel rooms online? I am going to give my desktop the scan of a lifetime. A "Karsperski" special on the way Very annoying and frustrating, really, it leaves me reluctant to use the card in case the next time they manage to get the charges through.
I used my card at a restaurant in Aberystwyth, and within 30 minutes of settling up, they were full speed, buying currency, handbags, clothing, literally 10 transactions in 30 minutes. Luckily Halifax declined them all, and said restaurant is blacklisted. You cant trust anyone.
Elaborate scam, I was got at this morning there was me thinking they would not get me easy, but they played me well, starts with an Early morning call to my land Line, the caller asks if I purchased an Iphone from Amazon for £799 to which I say no, ok they say this is blocked by us as we were suspicious, they tell me the fault lies with my security system and they can help me this so this lady passed me on to Amazon security, there they had me downloading a small programme called Anydesk, where they were able to control my Laptop, then I am directed to my Amazon accounts page to enable me to remove this fake order, this has me breathing a sigh of relief, not knowing they had me? then it is suggested they can upgrade my security system to one which is called rapport or a name of that nature, my Bank has offered me this in the past, but having a paid for subscription to Avast already installed I had thought I was fairly safe? I should say I am not all that computer savvy, but almost weekly will get some form of scam email, usually this is easy to recognise by the weird email address it is from, I block the sender and then delete them, up till now I have never been taken in. Then they cut all ties to my laptop telling me I am on my own with it and to check my bank account, sure enough there is £799 returned to me from Amazon and the amount in my account has been raised by this same amount, I had checked this last night and did know how much should be there, however the original transaction had never been debited from the account so I was 799 better off, the security man rings me back and takes over my machine again, when asked how my account was plus the 799 from the day before he gave some explanation of how this is common with a delay in the payment system but quite normal and would be adjusted by the end of that day. by this time they had this cupid old stunt hook line and sinker. So they then ask what other accounts I may have, to which I say none but use wise to transfer money abroad, the he says they will install this rapport on my wise account which they were able to open without me, all during our conversation my screen was darting about all over the place, to my bank account then to wise and other things sometimes it being held for a time and this guy telling me exactly what I should be seeing at any given time and showing a screen to say it was with a Tech Upgrade Guy, most of the screens were on view for just a fraction of a second, but I did notice an unusual name Vyene Yak pop out at me on my wise account, this happened twice in just a few mins, on the second time I switched off and hung up the phone, the penny had dropped, then I was in touch with my Bank Security as it happened, they had already blocked a couple of transactions but let a couple through and £1000 had been gotten at, if the Scammers had managed to string me along a bit longer they may have cleaned me out, the bank has sent me a claims form however will they find me responsible for allowing an unknown to take over my laptop?
a few years back i had a payment declined on an ebay purchase--it was at the weekend. Monday a letter arrived from Nationwide b soc. saying my account was suspended and to contact them. Turns out my card was being used in the USA--for small purchases, this being typical practice to test it prior to a big hit. Full marks to my bank for reacting so quickly. No problem since.
I'm just wondering whether ApplePay or Google Wallet are safer, more secure options if paying at physical outlets like shops, hotels or petrol stations etc..?
Definitely more secure because these methods rely on biometrics to authorise the transaction, be it face, PIN or fingerprint. Also, they don’t use your actual card number, but a virtual card. So as an example, each transaction with say, Apple Pay doesn’t submit your real card number, but an Apple generated number card number as an alias. Better explanation here: https://www.techradar.com/news/port...ple-pay-is-more-secure-than-you-think-1267038
Once they have a target download and fire up Any desk,they will ask the victim to log into online banking. Once in they will use their remote access to change the targets account balance via HTML to make it appear that they were over paid. If the to be victim were to simply refresh the page,the scammers HTML edit would disappear and the correct balance would Once again be visable. Indian scam call centers have been using this trick to help them steal 100,s of millions of $$$ for years now. Don't be a mug. Never allow anyone any remote access to your computer. Ever!
You're not serious are you? AnyDesk is a tech support tool used by professional software companies to support their customers and by individuals to provide remote access to their own computers elsewhere on the planet, TeamViewer is another such program and RemotePC another. TeamViewer is expensive, RemotePC a lot less expensive, not looked at Anydesk for a while but some of our customers use it. Basically if you are running any of these on your own computer and you give the connection details to someone on the phone they now have total control of your machine for the duration of the session, during that time they can install whatever they want in the background disguised as something innocent, if this has really happened to you do not use that computer again while connected to Wifi or to any kind of network, get it wiped and reinstalled, then change your security details on all your bank accounts and on your email and social media accounts including this one for this site. About 6 years ago one of my cards got compromised it was definitely a server side compromise as I had checked the certificate before the transaction and everything was fine before proceeding with a relatively small payment, there were then a couple of attempts at large transactions for more money than I had and the card company (it was a prepaid card) recognized the fraud before I did and had blocked the transactions, to me all I experienced was a blip on a payment that should have worked, on a legit site, but didn't, I was lucky my computers had not been compromised at my end and I didn't lose any money but it was very inconvenient and the vendor had definitely had a serious security breach on their website, there is nothing you can do in this circumstance but I would hate to have my own machines compromised in the way you have suffered. I use RemotePC to support my kids, I was connected to my daughters computer earlier yesterday as she has been getting disconnected from the WiFi in the house all the time and I was able to figure out why in the end the SSID for the primary network in the house was not showing up and I had to get her to use her phone to create a hotspot to let me connect in the first place but I could tell that for whatever reason she is getting lousy signal strength in her room, RemotePC and AnyDesk are wonderful support tools but is malicious hands they are deadly.
For the reasons Rob mentions they are quite secure, NFC is near impossible to skim your device is not presenting your card details, it presents an encrypted token the ultimate decoding and matching of the token are done server side and the payment is completed but it not local to where you are. I'm using GPay most of the time now for almost everything including taxis since my car died, I miss that facility and convenience when I am in the Phils.
I have been watching YouTube videos about scammers for years. This American guy is good: There is a "sell" at 08:28 that is unimportant IMO.
