Scam advice

Hebrews12

My teenage daughter has fallen for a scam text that looked like it was from Evri and entered her bank card details to pay for redelivery. She also put in our address, her mobile number and her date of birth. She's contacted the bank who say she needs to contact them again in 15 days time but is there anything else I should do - other than have a word with her her which I've done!!  Thanks.

cymruchris

Hebrews12 said:

My teenage daughter has fallen for a scam text that looked like it was from Evri and entered her bank card details to pay for redelivery. She also put in our address, her mobile number and her date of birth. She's contacted the bank who say she needs to contact them again in 15 days time but is there anything else I should do - other than have a word with her her which I've done!!  Thanks.

Keep a close watch on her credit files for any fraudulent applications....

Hebrews12

cymruchris said:

Hebrews12 said:

My teenage daughter has fallen for a scam text that looked like it was from Evri and entered her bank card details to pay for redelivery. She also put in our address, her mobile number and her date of birth. She's contacted the bank who say she needs to contact them again in 15 days time but is there anything else I should do - other than have a word with her her which I've done!!  Thanks.

Keep a close watch on her credit files for any fraudulent applications....

Thanks for your reply.  Can you unpack that a bit more for me in terms of what I should be looking out for please?

Lolomc

Did your daughter ask bank to make sure this company hadn't set up any recurring payments? 

Kat78MFW

She needs to be on alert for someone ringing claiming to be from her bank and alerting her to suspicious activity on her account. That is the next stage of this scam. They will likely try to get her to move money into a "safe account". If she gets any call claiming to be from her bank, she should put down the phone and then ring you or a friend to clear the phone line (the scammer can spoof a dial tone). Then she can ring her bank again using the number on the back of her card. 

SiliconChip

cymruchris said:

Hebrews12 said:

My teenage daughter has fallen for a scam text that looked like it was from Evri and entered her bank card details to pay for redelivery. She also put in our address, her mobile number and her date of birth. She's contacted the bank who say she needs to contact them again in 15 days time but is there anything else I should do - other than have a word with her her which I've done!!  Thanks.

Keep a close watch on her credit files for any fraudulent applications....

If she's under 18 it's probably not necessary as she shouldn't be offered (or accepted for) credit and therefore I'd assume won't yet have any CRA entries.

boingy

I assume the bank has already blocked the card but maybe consider moving the account to a different bank using the Current Account Switching Scheme. It's quick and painless.

cymruchris

SiliconChip said:

cymruchris said:

Hebrews12 said:

My teenage daughter has fallen for a scam text that looked like it was from Evri and entered her bank card details to pay for redelivery. She also put in our address, her mobile number and her date of birth. She's contacted the bank who say she needs to contact them again in 15 days time but is there anything else I should do - other than have a word with her her which I've done!!  Thanks.

Keep a close watch on her credit files for any fraudulent applications....

If she's under 18 it's probably not necessary as she shouldn't be offered (or accepted for) credit and therefore I'd assume won't yet have any CRA entries.

You're assuming she's under 18 - a teenager can be 18 or 19. The OP hasn't clarified an age yet.

To the OP if she is 18 or 19, then you should make sure she's signed up to the credit reference agency apps for each of the main providers - MSE Credit Club for 'Experian', and then Clearscore for 'Equifax' and one of the others like Credit Karma for 'Transunion' from memory. They are all free to use.

She can monitor her existing data - what accounts she has - whether she's on the electoral roll etc - but importantly if anyone applies for credit in her name, a hard search should appear on one of the three credit files. Until (and it might not) this happens - it's just a case of keeping an eye. If a hard search does appear when she hasn't applied for credit - then you might want to consider CIFAS protection which will highlight any application of credit in her name for further scrutiny before being authorised. This does cost about £25 for two years.

Also as above - keep a ear out for phone calls claiming to be from the bank. If she receives any call from her bank - tell her to tell them she'll call them back from a different line. Then call them from the telephone number printed on the official website or the back of a bank statement.

Bigwheels1111

When are people going to learn, Never trust anyone or anything.

I would never trust a call, text, email or even a letter.

Until I independently verify everything.

If I did not initiate the contact, Its a scam until I prove otherwise.

My parents are in their 80s just.

After many talks about scams, they will not answer and question over a call, text back to unknown numbers etc.

Without speaking to me.

Scammers have tried, Gas & Electric, HMRC, BT and broadband, Banking, Credit card, Phone contracts, Claims for crashes to name but a few.

Everone, young, old and inbetween needs to be taught any unsolicited contact is a SCAM, or to be treated as such.

Until you do your own due diligence.

Sorry for all your problems, Hebrews12

boingy

Bigwheels1111 said:

When are people going to learn, Never trust anyone or anything.

I would never trust a call, text, email or even a letter.

Until I independently verify everything.

If I did not initiate the contact, Its a scam until I prove otherwise.

My parents are in their 80s just.

After many talks about scams, they will not answer and question over a call, text back to unknown numbers etc.

Without speaking to me.

Scammers have tried, Gas & Electric, HMRC, BT and broadband, Banking, Credit card, Phone contracts, Claims for crashes to name but a few.

Everone, young, old and inbetween needs to be taught any unsolicited contact is a SCAM, or to be treated as such.

Until you do your own due diligence.

Sorry for all your problems, Hebrews12

You're correct but sometimes these things find a chink in the armour or manage to arrive at a point in time when the call might fit with something. 

I've had one of those fake texts about a parcel delivery on the day when I was expecting a parcel from the named courier. I've also had an scam email that started by (correctly) giving the last 4 digits of my credit card number to "prove that the email is legitimate". I assume they send out millions of them and sometimes get the right number correct. I didn't fall for either but it would have been easy to do so.

And don't forget that there are now many genuine unsolicited calls from our banks, telling us that our payment has been held up for checking. Your choice is to somehow try to get the caller to prove they are genuine or hang up and call the bank back, queueing because they don't have enough people to cope with the extra demand. I queued for one hour and six minutes with the Co-op. Once you've done that a few times it is VERY tempting to interact with the cold caller just to avoid that queue. It's somewhat ironic that a bank's standard behaviour when fraud-checking a payment is to behave a lot like a scammer might behave!

Jami74

Bigwheels1111 said:

When are people going to learn, Never trust anyone or anything.

Don't be harsh, it's a teenager. Thankfully they have an adult helping them through it and they'll hopefully never get caught out again.