The Legal Lock



SCAM ALERT |How to spot? How to avoid it?


Scams can come in several ways, but they are all intended to get your money saved up.

They could do this by getting you to expose your confidential info, steal your records, or even get you to sign the cash over gladly.

If you believe you have been threatened or fallen prey, the trick is learning how to spot a scam, defend yourself and what to do.

A scam is a word used to characterize any dishonest organization or method that takes an innocent person’s money or other products. Online scams have risen with the world getting more connected due to the Internet, and it’s always up to you to help remain vigilant with users on the Internet.

Scams, particularly when it comes to targeting you online and via mobile platforms, are becoming more and more sophisticated. We have a look at how you can spot fraud in this document, defend yourself and what to do if you are a survivor or have been hit.

What are the types of Scam?

Scams for lotteries, sweepstakes and promotion

Out of nowhere comes an inbox, letter or text message from an overseas lottery or sweepstakes organization.

It means that in a lottery or sweepstakes contest you have won a bunch of money or amazing prizes that you did not participate in.

To win the prize, these schemes aim to cheat you into offering money upfront or your personal information.

Scammers usually say that you need to pay fees or taxes before your winnings or prizes can be published. To collect your prize, you will even have to dial or text a premium rate phone number.

Know, if you haven’t registered, you can’t win a draw.

Fraud of Advance Fee

In exchange for products, services, money or benefits that they never offer, a scammer demands fees upfront or personal information.

Scammers concoct compelling and apparently genuine excuses to cover fees or taxes for demanding payment. Via international bank transfer, they also ask for payment.

These scams are typically mass-marketed by scammers simultaneously shipping them out to thousands of people across the globe, usually via mail or email.

Hacking of computers

Scammers usually use phishing emails to trick you into allowing them access to your computer.

By enticing you to click on a link or attachment, they ‘fish’ for your private information. If you select, malicious software will be installed and files and information saved on your computer will be accessible to the hacker.

A phishing attack also seems to come from an entity you know and trust, such as a bank or financial institution, asking you to enter a false copy of the login page of the site with your account password. The scammer will break into your account and take ownership of your profile if you include your account info.

Scams on work and jobs

Such scams include opportunities to run or set up from home and invest in a money-making opportunity. Scammers, after initial upfront fees, guarantee a job, high wage or substantial return on investment.

A business strategy, training course, software, clothing, work permit, taxes or fees may be compensated by these payments. These scams are also advertised in well-known classified ads, including blogs, through spam email or commercials.

Dating and scams for romance

Scammers on reputable dating websites create false accounts. To want to get into a friendship with you, they use these accounts so they can get a hold of your money and personal information. The scammer would build a close friendship with you and then apply for cash to help offset expenses associated with sickness, accident, travel, or family crises.

By pulling on your heartstrings, scammers aim to manipulate your emotions. It would often take months and months for the scammers to build up the paper.

Charity and scams in healthcare

Scammers are unscrupulous and taking advantage of individuals who wish to donate to find a solution to a health issue for a positive reason.

By claiming to work for a real cause or organisation, or a fake one they have created, charities scams entail scammers raising money.

By pretending to rally for a purpose that will secure your sympathy, for example, to support sick children, they can even prey on your emotions.

Health scams include a variety of drugs and services that may claim to be legal alternative medications, usually offering fast and reliable solutions for serious medical conditions.

Using fake testimonials from individuals, therapies are also marketed.

Pyramid Scheme

Pyramid schemes are scams that need to keep them running with a steady flow of new entrants. They are sold as multi-level marketing programs or real firms of other kinds. They use the “investments” of new hires to pay “profits” to those who participate for longer.

When they can’t attract enough new participants to pay former donors, pyramid schemes fail. Mathematically assured, these scams still fail.

Rumours, Coronavirus Scams, and Market Gouging

Scammers can try to take advantage of you by misinformation and frightening tactics during the coronavirus (COVID-19) virus outbreak. They could get in touch via phone, email, postal mail, text, or social media. By not revealing personal details including your bank account number, Social Security number, or date of birth, secure your assets and your identification. Learn how the COVID vaccine scam and other forms of coronavirus scams can be detected and documented.

How to spot a fraud

One of the easiest ways to protect yourself is to know what to watch out for when it comes to scams.

  • Communication unsolicited or unforeseen, It is safer to avoid it if you have received some form of message, but particularly a phone call, which is sudden or not known.    A cold call ban for pensions has been in effect since January 2019. This ensures you can not be told about your pension by any corporation until you have asked them to.
  • Address of email. Expand the pane at the top of the message if you receive an email and see just where it came from. If it is a hoax, random numbers will fill in the email address from which the letter has arrived, or it will be misspelled. It generally is, if it seems too amazing to be real. For pension or insurance scandals, this is usually what you notice, where the fraudster promises you massive gains, then assures you it’s low risk
  • Personal information, passwords and PIN codes. There are stuff you won’t be asked for by any legal enterprise.
  • Quick choices. Be wary if you’re forced to make a decision on the spot. They don’t want you to have time for scammers to worry about it.
  • Random competitions or prizes can ring alarm bells, especially if you don’t remember registering them.

Clues on how to identify a false documentation

Documents are faked quickly. These may look like the real deal, while others will have signs of alarm, such as:

Generic rather than a personal salutation

Names of non-existent entities

Presentation of a lower standard

Grammatics and pronunciation of poorer consistency

The language that is too official or coerced.

Even though they are genuine, records such as flight itineraries and bank accounts have clear, uncomplicated formats, so such organizations encourage their clients to print online statements. This means that by using information accessible online, such as business logos and graphics from blogs, scammers can quickly generate fake documents.

How you can protect yourself from scam?

Knowing how to defend yourself is the next step to stopping scams. While some of these are usually good advice, all are directed at keeping you safe online:

Stop any unforeseen touch. It is best to ignore all phone calls, messages, emails or individuals banging on your house.  
Don’t ever hand away sensitive records. This can be used to steal the accounts for identification and entry.  
Keep the operating system and tools for virus security up to date. Don’t ignore updates, as patches to defend against new forms of scams, bugs and ransomware will also be used. For handheld devices as well, this goes.  
Be sure there is a good password on both accounts. For different accounts, don’t use the same password and change them frequently.  
If you are not confident the business you are dealing with is legal, don’t make any advanced payments.  
Check the FCA registry of controlled companies if you are uncertain about a financial services firm. Do not have anything to do with them if they’re not on it. You can look them up at Companies House to find out their history, or check for feedback online if you are uncertain about some other form of company.  
Using WiFi links that are private and reliable and stop public WiFi. Sometimes, the regular 3G or 4G network is safer than the one in the coffee shop.  

To conclude

Scam and Scammers are very common these days and with that, there are different types of a scam which are prevailing in the society so one needs to protect himself against them.

For that, you learn about the types of scams and how you can spot a scam and what measures you can take to prevent it.