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Aquamania

blitzboy wrote: »

Wouldn't it be more of a concern if they had started talking about your account WITHOUT checking any details?

If you were concerned then you could have phoned aqua yourself and got it dealt with there and then...

It may well be that the caller would need to verify they are speaking with the intended party after they have first identified themselves

But never, never, never disclose your personal details or security information to someone who has called you and not sufficiently identified themselves. Just claiming to be from your bank is not sufficient - they could be anyone.

Maiya did exactly the right thing by refusing to disclose such details to a caller who could not identify themselves. In situations like this, it is always the responsibility of the person calling to identify themselves first.

lisyloo

Wouldn't it be more of a concern if they had started talking about your account WITHOUT checking any details?

Yes of course, but what they should do IMO is say "We have a message for you, could you please ring us back on the number on the back of your card".

Aquamania

Fingerbobs wrote: »

I always offer to phone back, using the number on the back of my card, and they're always happy with this. What's odd is why they persist in phoning up and asking for security details, even though all the advice is never to give any information out to any caller, no matter who they claim to be.

lisyloo wrote: »

Yes of course, but what they should do IMO is say "We have a message for you, could you please ring us back on the number on the back of your card".

Be very careful.

If the scam caller does not put the phone down themselves, you will still be connected to them when you dial up any number! :eek:
You putting the phone down yourself as the called party does not usually disconnect the call (at least with landlines).

There are some measures you can take to prevent this of course, such as waiting a few hours or ensuring there is a dial tone before calling (most people don't check this nowadays as you often just dial the number in full and then press send, even on many landline handsets)

Best way is to use another line completely, such as a mobile if they called you on a landline or vice versa. But remember, calls via mobile operators will cost considerably more!

Fingerbobs

Aquamania wrote: »

...ensuring there is a dial tone before calling...

The scammers can play a fake dialing tone down the line, although I suspect you would be able to tell the difference between it and a real dialing tone if you listened carefully - it probably "wouldn't sound quite right". A bit like a trained ear can tell the difference between a real ringback tone, and one generated by a PBX at the far end - the difference is subtle, but noticeable.

Aquamania

Fingerbobs wrote: »

The scammers can play a fake dialing tone down the line, although I suspect you would be able to tell the difference between it and a real dialing tone if you listened carefully - it probably "wouldn't sound quite right". A bit like a trained ear can tell the difference between a real ringback tone, and one generated by a PBX at the far end - the difference is subtle, but noticeable.

Indeed, which is why I said it was best to use another line entirely

Even use a local call box to make the call if necessary ... if you can find one still working.

lisyloo

Be very careful.

Wouldn't they still need a lot of information to use your card.
So for example Aqua would not ask me for my full card number or CCV, whereas a scammer might.
So in general isn't is possible to tell if you are savvy?

Aquamania

lisyloo wrote: »

Wouldn't they still need a lot of information to use your card...

Of course, that is why they are trying to obtain your security details!

Once they have enough information to call the bank to persude the bank it is you they are speaking to, they can effectively do anything you can. :doh:

masonic

Fingerbobs wrote: »

The scammers can play a fake dialing tone down the line, although I suspect you would be able to tell the difference between it and a real dialing tone if you listened carefully - it probably "wouldn't sound quite right". A bit like a trained ear can tell the difference between a real ringback tone, and one generated by a PBX at the far end - the difference is subtle, but noticeable.

If you are ever concerned about this, you can call somebody else first - even an automated freephone number for a completely different business - and if someone claiming to be from your credit card company or bank answers, you'll have rumbled them!

out_of_debt_at_last

StressedSam wrote: »

Still waiting for our cheque, statement dated 5th March saying Loyalty award credited 21st Feb, credit balance refund 4th March. Will give it another week as they obviously have a lot of these cheques to send out.

I had one of these today, got very excited when I saw the envelope because I thought yay the cheque has arrived on my birthday but sadly no, hey ho, the wait continues!:rotfl:

Uplink

Aquamania wrote: »

If the scam caller does not put the phone down themselves, you will still be connected to them when you dial up any number! :eek:
You putting the phone down yourself as the called party does not usually disconnect the call (at least with landlines).

I so hate this one. When I heard it the first few times, my reaction was: !!!!!!?! Then I read why this was the case: convenience. To allow people to hang up and pick up in another room. Then my reaction was: who came up with this "brilliant" idea? And you can't even tell BT that you don't want this facility. They just give it to you, whether you like it or not.

Luckily, I don't actually use my landline except for the fact that my Internet comes through there.

masonic wrote: »

If you are ever concerned about this, you can call somebody else first - even an automated freephone number for a completely different business - and if someone claiming to be from your credit card company or bank answers, you'll have rumbled them!

If your scammers are clever, they'll route your call and take the small financial hit, and then answer when you dial the bank (they can use a white list). And scammers are getting clever these days (or they buy clever turn-key solutions, anyway).

Banks these days will tell you part of your information, and you have to tell them the other part. Then, if it is a fraudster at the other end, they have your details anyway, so it doesn't make any difference. Just don't give them anything that is supposed to be secret, like username, password, CVV2... The exchange is usually brief, and only involves one or two pieces of information, and you always get one part first from the bank before you give the other part.

If Aqua don't follow this procedure they need a beating.