Nuisance Calls and Scams

by Rudolf Faix Sunday, November 8, 2015 4:39 AM

PhoneWhile not all nuisance calls are scams or associated with fraud, many are. There are several types of scams or fraudulent calls you might receive on your phone. These include:

  • Caller ID Spoofing
    At this kind of call the caller changes the number from which he is calling you. Normally, if someone calls you the device captures and shows you the phone number of the caller. But, scammers try to fool you by changing the number that you see on your phone.

    Those that try to scam you often pretend to be a reputable company or perhaps a company or organization that you already trust, like your bank. They are doing this to steal your personal information and possibly try to gain access to your bank account or other financial accounts. Alternatively, they may be looking for personally identifiable information for stealing your identity.

    When such scammers are calling you, they may even say that they’re from your financial institution and that they need to collect or verify some of your information. They may claim this is part of a security check or that your personal information may have been compromised. Don’t give them any information over the phone. Your bank, brokerage firm or other financial institutions will not call you and ask you for about your personal information like your bank account number.

    Never rely on the caller ID alone to determine whether the person is really from the organisation he claims to be. If you suspect the person might be trying to defraud you or if you can’t verify that the person called you is from your bank/financial institution, hang up, notify your bank/financial institution or the police.

    Before you dial out to another number be sure that the previous call has been terminated. If you are unsure about this take another phone for your next dial out. If the scammer did not clear the line by hanging up, then there is a chance that when you attempt to make the next call and you end up by talking to the scammer again. For the case that they called you at your fixed line, they may even are able to play a ringtone to make it sound like you are making a dial while they are waiting patiently and silently on the other side. So make sure your line is clear when calling your financial institution to verify the call, that way, you do not accidentally reconnect with the fraudster or an accomplice. Use always phone numbers that have been provided to you by the companies you deal with and not a phone number told you over the phone.

  • Spam Texts
    Spam text messaging occurs when a company or organization sends you an unwanted text message alerting you about something or sending you an offer.

    In general, it’s illegal for anyone or any company to send you spam texts unless you’ve already asked them to send you text messages. If you’ve given to a business the permission to text you, however, that company can continue to send you texts for other services, but it must offer you the option to opt out.

  • Overt Abusive Calls
    When someone rings you at your fixed line and is abusive, whether it’s a stranger, a company you’re doing business with, or some other organization, you should immediately call your phone company and ask to speak with their nuisance or malicious calls team. Notify them of the problem, and they may offer you anonymous call blocking.

    At mobile phones are you normally able to setup anonymous call blocking and blocking of single phone numbers by yourself. Consult the instruction manual of your mobile phone for more information how to block phone numbers and anonymous calls.

    But, be aware that the service can also block legitimate calls you receive. For example, if you receive regular phone calls from family or friends out of the country, anonymous call blocking might block these calls. If you opt for the service, you will also have to coordinate with your friends or family to make sure important calls get through or you may have to ring them yourself.

  • Unsolicited Calls
    Calls you receive that you did not ask for and do not want

    Unsolicited calls are often marketing-related. A company or organization gets your phone number and starts calling you offering you products or services. Normally, a business must have your permission to ring you for an offer, but many businesses skirt these rules or find creative ways to get you to agree to have them ring you for offers.

    For example, if you sign up for, or purchase, anything online, you may be unknowingly agreeing to receive phone calls from solicitors.

    Sometimes, these calls are automated. So-called “robo-callers” or automated calling systems will ring you on a preset schedule. Sometimes, the solicitors are calling about donations to a charity. Other times, they are calling to sell you debt management services or legal services for personal injury claims. Still other times they are calling to sell you products over the phone.

    Marketing agencies and organizations making such calls must have your permission to call you, but if you’ve checked off any boxes online while filling out a form, or while making a purchase, or agreed to terms of service which allowed a business to sell your personal information, you may have already given permission accidentally.

    You may also get caught by something called “Automatic Number Identification” or ANI. These systems don’t get your permission explicitly, but rather implicitly. Once you dial out, it’s done. The organization captures your number and sells it to other companies who then call you.

    The best way to protect yourself is to not sign up for anything online, through the mail, and resist giving out your phone number unless you know who you’re giving it to and you can be assured that your information won’t be sold to anyone else.

    If you’re already on a list, call the Telephone Preference Service and ask to be opted out of receiving calls.

  • Abandoned or Silent Calls
    Calls that are silent (you see them as missed calls) or are disconnected when you answer

People Who Are Most At Risk For Nuisance Calls

The Elderly

While anyone can be the victim of a nuisance call, some groups of people are especially vulnerable. For example, the elderly and single parents may receive an unusually high number of nuisance calls relative to the general population.

In fact, it is estimated that while the average UK resident receives 7 nuisance calls a month, 40% of the phone calls that older and vulnerable residents of Scotland receive are nuisance  calls.

These statistics were discovered by Angus Council, East Dunbartonshire and East Renfrewshire, three of the country’s trading standards authorities.

Additionally, the The Financial Ombudsman Service found that roughly 80% of individuals who were scammed out of their savings were over 55. About one in five was over 75.

About 38% of victims lost anywhere between £5,000 and £14,999, with 20% of victims losing between £20,000 and £49,999. Some unfortunate victims lost more than £100,000. The most at-risk areas include London and the South East.

The elderly are especially vulnerable to these nuisance calls. Malicious individuals or organisations often prey on them, attempting to get personal information or have the senior hand over his or her life savings.

Some firms try to entice elderly victims with prize winnings or send begging letters. Of course, there is no prize waiting for the victim.

Another scam promises the victim lottery winnings, usually from outside the state or country. And, the senior doesn’t even have to enter. In fact, these organisations contact victims, telling them that their name was drawn at random and they’ve won. Incredible! They didn’t even enter any contest.

The only stipulation is that the elderly victim pay some fee or administrative cost before the money is released. Elderly people tend to be inherently trusting, and so they hand over the cash, but never receive the prize winnings.

Yet another scam involves unlicensed financial advisors who attempt to sell seniors unregulated investments which may jeopardise their life savings. While the recent banning of commissions has eliminated many commission-driven fraudsters, the practice of cashing in a pension pot is still a problem for many.

Fortunately, up to 98% of these nuisance calls can be blocked using special call-blocking technology.

Single Parents

Single parents might also be a victim of nuisance calls, especially when there are children involved. An ex-partner may be jealous or feel that the relationship ended badly, and may call directly or put someone else up to ringing their spouse or ex-partner’s line repeatedly.

Vulnerable individuals need to report all fraudulent activity to the authorities, like Ofcom, immediately. If you suspect you have been, or are about to be, a victim of a crime, call the local police.

Blocking Calls Using Apps

Truecaller is an app for iOS devices that helps you peek behind the curtain of a phone number to learn who’s really behind the call. Get enhanced call ID information, search for any number to see who it belongs to, and link directly to Yelp! and other social networks to find the identity of the organisation making the call.

This app makes blocking spam and scammers much easier.

As with iPhone, Truecaller for Android can help you block unwanted calls on your Droid. Install the app and use it as you would on iPhone.

Best Practices For Staying Safe

Of course, beyond the apps and settings on your phone, there are some best practices you can employ to avoid being scammed or bothered by unwanted calls:

Stop signing up for free offers

Free offers are almost never free. When you tick off a box that says you agree to the terms and conditions, read them. Often, part of those terms includes a provision that lets the company sell your personal information. If you agree to these terms, you may start receiving phone calls which you believe are unsolicited.
Unfortunately, because you’ve agreed to terms and conditions which allow for this, there is usually no recourse other than asking to be removed from the organisation’s call list.

Resist paid offers unless you know and trust the business

Think before you buy into another service, even if it’s a contract renewal. Mobile phone renewals, for example, could trigger an avalanche of follow-up calls, asking you to sign up for additional services or buy additional products from the carrier or a dealer.

These calls can turn into nuisance calls that you can’t easily stop because you’ve already done business with the company and agreed to receive calls from them.

When a business asks you for your contact information before, during, or after a sale, resist it. Most businesses want your number so that they can call you in the future with offers. Unless you want sales calls in the future from a company, just politely decline. If the business or organisation insists, remind them that you are already doing business with them. If they refuse business unless you hand over your contact information, it may be a good idea to do business with someone else.

Don’t agree to anything over the phone if you’re unsure about the caller

Sometimes, it’s difficult to say “no” to someone over the phone, especially if they’re nice and polite. However, if you do not know the individual, your best response usually is “no.”

Do not give out your credit card numbers, don’t agree to switch utility providers, even if they promise you a lower tariff (always check with your provider first about your rates vs a competitors’). And, don’t assume a friendly inquiry or marketing survey is always innocent. Often, these calls are designed to trick you into buying something you don’t really want.

Do not use your real number

If you do have to sign up for a service, or you’re buying a product online, sign up for a Google number through Google Voice. This service lets you create a fictitious number which can be easily changed so you’re not giving out your real number. And, it’s easy to set up:

  • Go to the Google Voice website and sign in with your Google Account login information

  • Choose a Google Voice Account type

  • Select “I want a new number”
  • Enter a forwarding number and the type of phone you have. This is the phone that will ring when someone rings this new Google number. You can add more phones to this number later if you want

  • Take down the code presented to you and click “Call Me Now” to verify your forwarding phone

  • Enter the code you received previously into the box on the screen

  • Search for an available Google Voice Number. You may search by area code, post code, word or phrase

  • Select your number

That’s it. Your new number is now active. When you sign up for services, simply give organisations and businesses your Google number. When they ring it, it will forward the call to your real number.

If you start having problems with nuisance calls, simply get rid of the Google number and get another one. This effectively sets up a shield between you and the would-be nuisance caller.

Add your name to the 'do-not-call' list

The Telephone Preference Service lets you opt out of receiving calls from solicitors. While many individuals are familiar with this service for landlines, TPS will accept mobile phone numbers as well. It’s a good first line of defense.

It will not stop charity organisations, however, and some calls may get through if they are not considered telemarketing calls. These calls may still be considered nuisance calls. However, you should see a dramatic reduction in the number of them.

 

 

Telemarketing Fraud

by Rudolf Faix Thursday, July 9, 2015 3:24 PM

black man with poster '100% risk free'When you send money to people you do not know personally or give personal or financial information to unknown callers, you increase your chances of becoming a victim of telemarketing fraud.

Every year, thousands of people lose money to telephone scams - from a few dollars to their life savings. Scammers will say anything to cheat people out of money. Some seem very friendly - calling you by your first name, making small talk, and asking about your family. They may claim to work for a company you trust, or they may send mail or place ads to convince you to call them.

If you get a call from someone you don’t know who is trying to sell you something you hadn’t planned to buy, say "No thanks." And, if they pressure you about giving up personal information - like your credit card or Social Security number - it’s likely a scam. Hang up and report it to the governemnt authorities.

Here are some warning signs of telemarketing fraud - what a caller may tell you:

  • “You must act ‘now’ or the offer won’t be good.”

  • "You've been specially selected (for this offer)."

  • “You’ve won a ‘free’ gift, vacation, or prize." But you have to pay for “postage and handling” or other charges.

  • "You trust me, right?"

  • "This investment is low risk and provides a higher return than you can get anywhere else."

  • “You must send money, give a credit card or bank account number, or have a check picked up by courier.” You may hear this before you have had a chance to consider the offer carefully.

  • “You don’t need to check out the company with anyone.” The callers say you do not need to speak to anyone including your family, lawyer, accountant, local Better Business Bureau, or consumer protection agency.

  • “You don’t need any written information about their company or their references.”

  • “You can’t afford to miss this ‘high-profit, no-risk’ offer.”

If you hear these or similar “lines” from a telephone salesperson, just say “no thank you” and hang up the telephone.

How They Hook You

Scammers use exaggerated - or even fake - prizes, products or services as bait. Some may call you, but others will use mail, texts, or ads to get you to call them for more details. Here are a few examples of “offers” you might get:

  • Travel Packages. “Free” or “low cost” vacations can end up cost­ing a bundle in hidden costs. Some of these vacations never take place, even after you’ve paid.

  • Credit and loans. Advance fee loans, payday loans, credit card protection and offers to lower your credit card interest rates are very popular schemes, especially during a down economy.

  • Sham or exaggerated business and investment opportunities. Promoters of these have made millions of dollars. Scammers rely on the fact that business and investing can be complicated and that most people don’t research the investment.

  • Charitable causes. Urgent requests for recent disaster relief efforts are especially common on the phone.

  • High-stakes foreign lotteries. These pitches are against the law, which prohibits the cross-border sale or purchase of lottery tickets by phone or mail. What’s more, you may never see a ticket.

  • Extended car warranties. Scammers find out what kind of car you drive, and when you bought it so they can urge you to buy overpriced - or worthless - plans.

  • “Free” trial offers. Some companies use free trials to sign you up for products - sometimes lots of products - which can cost you lots of money because they bill you every month until you cancel.

Tips for Avoiding Telemarketing Fraud

It’s very difficult to get your money back if you’ve been cheated over the telephone. Before you buy anything by telephone, remember:

  • Don’t buy from an unfamiliar company. Legitimate businesses understand that you want more information about their company and are happy to comply.

  • Always ask for and wait until you receive written material about any offer or charity. If you get brochures about costly investments, ask someone whose financial advice you trust to review them. But, unfortunately, beware-not everything written down is true.

  • Always check out unfamiliar companies with your local consumer protection agency, Better Business Bureau, state attorney general, the National Fraud Information Center, or other watchdog groups. Unfortunately, not all bad businesses can be identified through these organizations.

  • Obtain a salesperson’s name, business identity, telephone number, street address, mailing address, and business license number before you transact business. Some con artists give out false names, telephone numbers, addresses, and business license numbers. Verify the accuracy of these items.

  • Before you give money to a charity or make an investment, find out what percentage of the money is paid in commissions and what percentage actually goes to the charity or investment.

  • Before you send money, ask yourself a simple question. “What guarantee do I really have that this solicitor will use my money in the manner we agreed upon?”

  • Don’t pay in advance for services. Pay services only after they are delivered.

  • Be wary of companies that want to send a messenger to your home to pick up money, claiming it is part of their service to you. In reality, they are taking your money without leaving any trace of who they are or where they can be reached.

  • Always take your time making a decision. Legitimate companies won’t pressure you to make a snap decision.

  • Don’t pay for a “free prize.” If a caller tells you the payment is for taxes, he or she is violating federal law.

  • Before you receive your next sales pitch, decide what your limits are-the kinds of financial information you will and won’t give out on the telephone.

  • Be sure to talk over big investments offered by telephone salespeople with a trusted friend, family member, or financial advisor. It’s never rude to wait and think about an offer.

  • Never respond to an offer you don’t understand thoroughly.

  • Never send money or give out personal information such as credit card numbers and expiration dates, bank account numbers, dates of birth, or social security numbers to unfamiliar companies or unknown persons.

  • Be aware that your personal information is often brokered to telemarketers through third parties.

  • If you have been victimized once, be wary of persons who call offering to help you recover your losses for a fee paid in advance.

  • If you have information about a fraud, report it to state, local, or federal law enforcement agencies.

 

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I'm since more then 35 years in the computer business (programming and technical support) and using the Internet since it has started. Since 2002 I'm programming solutions for Asterisk and since 2004 I'm in the call center industry.

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