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Courier fraud

What it is

When you’re called by someone pretending to be from your bank or building society and convinced to tell them your card details over the phone. They arrange for a courier to pick up your card to take it away for evidence or to have it destroyed.

In reality, the card is collected by the fraudsters to withdraw money from your account.  

Protect yourself

  • Your bank or the police will never call you to ask you to verify your personal details or PIN by phone or offer to pick up your card by courier. Hang up if you get a call like this.
  • If you need to call your bank back to check, wait five minutes; fraudsters may stay on the line after you hang up. Alternatively, use a different line altogether to call your bank.
  • Your debit or credit card is yours – don’t let a stranger take it off you. You should only ever have to hand it over at your bank. If it’s cancelled, you should destroy it yourself.

Spot the signs

  • Someone claiming to be from your bank or local police force calls you to tell you about fraudulent activity but is asking you for personal information or even your PIN to verify who you are.
  • They’re offering you to call back so you can be sure they’re genuine, but when you try to return the call there’s no dial tone.
  • They try to offer you peace of mind by having somebody pick up the card for you to save you the trouble of having to go to your bank or local police station.

How it happens

You may get called on your mobile or landline by someone who claims to be from your bank or the police. They say their systems have spotted a fraudulent payment on your card or it is due to expire and needs to be replaced.

They might suggest that you hang up and redial the number of their bank or police force to reassure you that they’re genuine. However, they don’t disconnect the call from the landline so that when you dial the real phone number, you’re still speaking to the same fraudster.

They’ll then ask you to read out your credit or debit card PIN or type it on your phone keypad. They may ask for details of other accounts you hold with the bank or elsewhere to grab more information.

Then they promise to send a courier to you to collect your bank card. The fraudster will have your name, address, full bank details, card and its PIN, and withdraw cash using the card and may even use the information to commit identity fraud in your name.

How to report it

If Fraud has been committed report it to Action Fraud. For more advice and to raise any concerns, contact the Office of the Public Guardian.

Source - Action Fraud

Date Published: Nov 13, 2019

Types of fraud

A-Z of fraud

To help understand which fraud you've been affected by, we've categorised them into an alphabetical list.

What is fraud and cyber crime?

Fraud is when trickery is used to gain a dishonest advantage, which is often financial, over another person.

Advance fee fraud

Advance fee fraud is when fraudsters target victims to make advance or upfront payments for goods, services and/or financial gains that do not materialise.

Corporate fraud

Corporate fraud can be any fraud committed against a business.

Individual fraud

Individual fraud could be any fraud that targets a person directly. Individual frauds can differ from frauds affecting businesses and other organisations.

Online fraud

Some fraudsters rely on the internet to commit their crimes. Learn about some different types of internet frauds that and how to protect yourself and get safe online.

Identity fraud and identity theft

Identity theft is when your personal details are stolen and identity fraud is when those details are used to commit fraud.
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