Faceless Fraudsters – 5 Helpful Tips

Faceless Fraudsters – 5 Helpful Tips

We don’t know these fraudsters, these faceless people with no name or shame. What we do know is: they want our money.

Financial Fraud Action UK (FFA UK) is responsible for leading the collective fight against fraudsters in the UK payments industry. Its membership includes the major banks, credit, debit and charge card issuers, and card payment acquirers.

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Faceless Fraudsters

A whopping £755 million is lost across payment cards, remote banking and cheques to fraudsters. This is a 26% increase compared to 2014, prevented fraud totalled £1.76 billion in 2015.

£7 in every £10 of attempted fraud is being stopped. Fraud is big business and if the figures tell us one thing – We need to be more vigilant than ever.

The Police and Banks say they will Never do the following:
  1. Telephone you and ask you for your credit or debit card details (in PIN), bank account details or personal information such as your date of birth or address.
  2. Ask for your Password details or Bank account no.
  3. Ask you to withdraw money or transfer money to another account.
  4. Come to your house to collect cash , credit card or chequebook.
  5. Ask you to purchase goods using your card.


5 Useful tips to stop you becoming fraudster next victim
  1. Only shop on secure websites with the Locked Padlock or Unbroken Key symbol showing in your browser.
  2. Be wary of unsolicited emails that claim to be from a reputable source like your bank or credit card company. Contact your bank and inform them. Do not Click on any Links you feel are unsafe.
  3. Make sure you have the most up to date security software installed on your computer. Basic packages are often free. Search online for the best deal that suits your needs.
  4. If you are unsure and feel vulnerable do not be afraid to terminate the call or delete the email. Do not assume the caller is genuine even if they know some of your details.
  5. Texts – do not reply or call the number. Note the details and contact the organisation they claim to be from, pass on the information.


Much of the growth is through impersonation and deception scams.  Criminals approach a customer pretending to be from a trusted organisation such as a bank, a utility company or the police. It could be a phone call, text or email, often claiming there has been a suspicious activity linked to their account or that their account needs to be updated or verified. Either way the criminal will then try to trick the victim into handing over details which will allow them to gain access to their bank accounts.

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Time for Questions

As a consumer, where should I report cases of payment fraud?

Your bank / card company should be the first point of contact for victims reporting fraud.


What should I do if I think my Contactless card has been used fraudulently?

If you see a transaction on your card statement that you do not recognise you should contact your card company immediately. The process by which a Contactless card is cancelled and blocked is no different to the normal process. You will not be liable for any loss on your card unless you have acted fraudulently or negligently.

What is phishing?

Phishing is the name given to the practice of sending e-mails that claim to come from a genuine company operating on the Internet. They are sent in an attempt to trick customers of that company into disclosing information at a bogus website operated by fraudsters. These emails usually claim that it is necessary to “update” or “verify” your customer account information and they urge people to click on a link from the e-mail which takes them to the bogus website.

Is it true that entering your PIN in reverse at a cash machine alerts the police?

This is NOT TRUE. 

THE POLICE WILL NOT BE CALLED, and you will NOT GET ANY CASH. If you enter your PIN in reverse the cash machine will register this as an incorrect entry, and ask you to re-enter your PIN.

In an emergency situation, you should always call 999.

I have given out my personal details, and now I am concerned about identity theft. What should I do?

If you have given out your card details and are concerned as to how they will be used you should contact your card issuer immediately. Your card issuer will be able to advise you of the best action to take in your particular circumstances.

Further advice on protecting yourself:





FFA UK publishes the full fraud statistics reported by its members twice yearly. The figures cover payment card, remote banking and cheque fraud losses. As of 2015, all fraud loss figures, unless otherwise indicated, are now reported as gross. These represent the value of fraud including any funds subsequently recovered by a bank.

It is the first time the full year prevented fraud figure has been collected by FFA UK.

For the full  FFA UK report click here

If you would like to discuss anything relating to the topic above then please Contact me via Skype: louisehunt2012 or email me by clicking here.

I’m on Skype offering a FREE 30-minute initial consultation 


Louise Hunt, Job, retirement, pension, fraudsters
Hi, I’m Louise Hunt and I am a Business Coach. I teach people how to start and run their own business online.
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Faceless Fraudsters – 5 Helpful Tips

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