Lloyds Tsb Internet Personal Banking


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Lloyds Tsb Internet Personal Banking

Lloyds Tsb Internet Personal Banking

Everyone has received an email from someone in Nigeria (known as a Nigerian scam) who lost a beloved family member in the U.S. and now needs "your gracious assistance" to recover millions of dollars in inheritance money from which they will gladly pay you for your troubles. These worked for a while, and actually the con men still find an occasional sucker using this, but the majority of internet fraud is more sophisticated.

1) Phishing Scams - "Phishing" is a scam that allows the Internet con men to use SPAM and pop ups to trick the unwary into giving up their financial and personal data. Typically these involve a link to what is purported to be your bank or credit card, but is in reality a site designed solely to rip you off. You may also be asked to call a telephone number, but rather than the actual business it is a Voice Over Internet Protocol number which may be in a geographical area not even close to where the area code is registered. The information you provide is then used to buy merchandise or obtain cash. The way to avoid this scam? Never click on links in emails. If you are contacted by an email from your bank or credit card, use the telephone number on your monthly statement to follow up and never email personal or financial data. Also, review your bank account and credit card statements immediately upon receipt so that you know if someone is using your information for unauthorized purposes.

2) Check Cashing Scam - This fraud preys on the human inclination to get something for nothing. The unwary will receive a check from a sweepstakes or lottery with instructions to call or visit a website to confirm. The instructions on the telephone or website instruct you to deposit the check in your account and then promptly wire transfer the "taxes" to them. The check never clears and you are out the money that you wired, which went to accounts that are no longer active. The solution? Use your head. If it sounds to good to be true it usually is. Run an internet search on the company, see if others are reporting problems. Never send money until you have the money. And by the way, your bank telling you it is a real check does not equate to them telling you the check will clear. Lots of real checks are on accounts with no money in them.