Contact us immediately if you are concerned that:• Youmayhavedisclosedanyconfidentialinformationtoan
unknownthirdparty
• Youbelieveatransactiononyouraccountisfraudulent
• Youareavictimofidentitytheft
• Youhaveanyconcernsaboutsecurity
Call us on 0345 1200 100.
useful contactsTofindoutmoreaboutthelatestfraudscamsandhowtoavoidthem,visit:
takefive-stopfraud.org.uk–anationalcampaignbyFinancialFraudAction scamsmart.fca.org.uk–theFinancialConductAuthority’s (FCA)scamsmartwebsite getsafeonline.org–freeonlinesafetyadvice friendsagainstscams.org.uk–encouragingcommunitiestotakeactionagainstscams cyberaware.gov.uk–aHomeOfficecampaigntohelpprotectbusinessesandindividualsagainstcybercriminals
actionfraud.police.uk–theUK’snationalfraudandcyber crimereportingcentre.
content.met.police.uk/Site/fraudalert–theMetropolitan Policewebsite.
fca.org.uk/consumers/scams–regulatorsofallprovidersoffinancialservicesintheUK.
Becautiousifsomeonecontactsyouunexpectedly,byemail,phoneortext,toconfirmpersonalorfinancialdetails,evenifyouhaveanaccountwiththatorganisation.Ifyoudoubtthecallisgenuine,thenarrangetocallbackusingacentralswitchboardnumberthatyouhaveindependentlyobtained
AlwaysrememberthatabuildingsocietyorbankwillneveraskyouforyourPIN,wholecardnumberorpasswordoverthephone,viaemailortext
Neverpayfeesorgiveyourpersonaldetails/financialinformationtocollectaprizeorcompetitionwinnings-youcannotwinaprizeinacompetitionthatyouhavenotentered
NeverhandoveryourcardandPINtoacourierwhoisclaimingtoactonbehalfofanyonee.gyourbuildingsociety,bank,policeorcardschemeprovider
Neverletsomeoneuseyouraccounttodepositfundsonbehalfofathirdparty.Oftenthesefundsaretheproceedsofcriminalactivityandyoucouldbeheldresponsibleformoneylaundering.Onlyeversendmoneytoapersonwhoyouknowandtrust
Checkyourstatements/passbooksregularlyandifyouseeanentryiswrong,tellusstraightaway
Bewaryofpersonalinformationthatisavailableacrossyoursocialmediaaccounts,e.g.dateofbirth,homeaddressorbankdetails.
protecting yourself
to find out more about fraud scams, visit: YBS.CO.UK/SCAMS
YBM8546010818
Allcommunicationswithusmaybemonitored/recordedtoimprovethequalityofourserviceandforyourprotectionandsecurity. Callsto03numbersarechargedatthesamestandardnetworkrateas01or02landlinenumbers,evenwhencallingfromamobile.
YorkshireBuildingSocietyisamemberoftheBuildingSocietiesAssociationandisauthorisedbythePrudentialRegulationAuthorityandregulatedbytheFinancialConductAuthorityandthePrudentialRegulationAuthority.YorkshireBuildingSocietyisenteredintheFinancialServicesRegisteranditsregistrationnumberis106085.HeadOffice:YorkshireHouse,YorkshireDrive,BradfordBD58LJ.
SECURING YOUR ONLINE TRANSACTIONSIt’s important that you protect yourself on the internet and make sure your systems are secure by installing anti-virus software and updating it regularly.
Ourprintedmaterialisavailableinalternativeformatse.g.largeprint,Brailleoraudio.Pleasevisitusinbranchorcalluson 0345 1200 100.
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1 protect yourself and your money Talk to us about how we can help you stay safe.
Telephone ‘vishing’The scam: Afraudstercallsclaimingtobefromabank/buildingsociety,thepolice,utilitycompanyorITcompanyandinformsthevictimthere’saproblemwiththeiraccountorcomputer.
How it works:Thevictimisadvisedthattoprotecttheirmoney,theyneedtodooneofthefollowing:
• transfermoneytoanotheraccountandprovidesthefraudsterswith bankdetailsfora‘safe’accountthathasbeenopenedforthem
• givetheircardandPINnumbertoacourierwhowillcometotheir hometocollectit
• allowthefraudstersremoteaccesstothecomputertologontotheir InternetBanking
• providedetailsoftheirdebit/creditcardsoarefund/paymentcan be made.
Inallofthesecasestheactionsofthevictimallowthefraudsteraccesstotheirmoney.
PhishingThe scam: Emailsaresentwithlinkstofakewebsitesencouragingpeopleintoenteringpersonal,login/carddetails,oraccountinformation.
How it works:Victimsmayalsoruntheriskoftheircomputerorsmartphonebeinginfectedbyviruses.Oncedetailsareentered,criminalsthenrecordthisinformationanduseittocommitidentitytheftandbankfraud.
let’s fight fraudFraudstersaregettingmoreandmorecreative,andbuildingsocietiesandbankshaverecentlyseenanincreaseinthenumberofcustomerstargetedwithfinancialscams byfraudsters.
Readontofindoutmoreaboutthemostcommontypesoffraudscams,andwhatyoucandotoprotectyourselfandyourmoneyorvisitybs.co.uk/scamsformoreinformation.
SmishingThe scam: ThisiswhenfraudstersobtainpersonaldetailsofavictimbySMStextmessages.
How it works:SMSphishingusestextmessagestoconvincepeopletodivulgetheirpersonalinformation(fulldebitcardorbankaccountdetails).Fraudsterscangoontousethispersonalinformationtocommitfraud.
Romance The scam: Victimsthinkthey’vemettheirperfectpartneronline,wheninrealitytheyarefraudsters.
How it works:Oncethefraudsterisconfidentthey’vegainedthevictim’strust,theywilltellthemaboutanemotiveproblemtheyareexperiencing,orawishtovisitthevictim,andaskthemformoneytohelp.Whenthevictimsendsmoney,thefraudsterwilloftencomebackwithreasonstosendthemevenmoremoney.
Bogus tradesmen The scam: Asalesmanusesclevertacticstopressuriseyouintobuyingsomethingyoudon’twantorsomethingthat’spoorvalueformoneyonyourdoorstep.
How it works:Bogustradesmenpromotegoodsorservicesthatareneverdeliveredtoyouorareofaverypoorquality.Theycanoftenconvincevictimstheyneedworkdoingthatisn’tneededormaybillthemforworkthattheydidn’tagreeto.
Advance fees The scam: Advancefeescamsarewhenfraudsterstargetvictimstomakeadvanceorupfrontpaymentsforgoods,servicesand/orfinancialgainsthatdonotmaterialise.
How it works:Thevictimappliesforaloanandisadvisedtheymustpaya‘fee’inadvanceoftheloanmoneybeingsentorthevictimisadvisedtheyhavewonthelotteryoraprizebutmustpaya‘fee’inadvanceofreceivingthis.Thevictimeithersendsmoneydirecttothefraudster’saccountorisadvisedtopurchase‘giftcards’andcontactthefraudsterwiththecodenumbers.Inallinstancesthevictimneverreceivestheirmoneyorprize.
mortgagesThe scam: Fraudstershackintotheemailchainsbetweenhousebuyersandtheirsolicitorstodivertmoneythatwassupposedtobeusedtopurchaseahouse.
How it works:Thefraudster,posingasthehousebuyer’ssolicitor,sendsanemailtothehousebuyernotifyingthemtheirbankaccountdetailshavechanged.Thehousebuyerssendstheirmoneytothenewbankaccountwhichhasbeensetupbythefraudster,ratherthantheirsolicitor’sgenuinebankaccount.
Fake websitesThe scam: Fraudsterssetupfakewebsitesoradvertsofferingholidaysorothergoodsforsaleatanincrediblycheaprate.
How it works:Thevictimviewsthewebsiteoradvert,whichhaspicturesoftheholidayaccommodationorgoodsthatdon’tactuallyexist.Thevictimcommunicateswithfraudstersandpurchasestheholiday/goods.Theyarerequestedtosendthemoneybybanktransfer,MoneywiseorWesternUnionratherthanpayingbydebit/creditcardorPayPal.
