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Identity Theft

Operation Respect during the Inverness Winter Festival

Operation Respect – Inverness, Scotland 2010

Operation Respect is a partnership of the following organisations :

Highland Council
Crimestoppers
Inverness Crime Prevention Panel (ICPP)
Inverness Business Improvement District (BID)
Scottish Licensed Trade Association (SLTA)
Inverness Taxi Association
NHS Highland
Pubwatch
Street Pastors
Northern Constabulary

These organisations are working together to engender respect for each other and for other’s property all year round, but especially during this festive period.

Operation Respect ‘s mission is to create a safe and clean environment for people, families and business within Inverness City Centre by preventing the occurrence of anti social behaviour with a focus on creating respect for the community.

Our aims are to:

  • Reduce the fear of crime by ensuring that people feel safe from crime and disorder.
  • Enforce the law in regard to low level offending for such offences as littering, dog fouling, street drinking, begging etc.
  • Safer streets which experience reduced alcohol and drug related violent crime.
  • Promote positive initiatives and diversionary schemes to reduce crime and the opportunity for crime.
  • Evaluate the stated objectives and measures put in place to achieve them.
  • Change in attitude and behaviour towards alcohol and drug consumption and that those in need are supported by prevention and treatment services.
  • Target Inverness City Centre with a high visibility Police presence at peak times.



The Winter Festival was launched this year with Malice in Wonderland and many other exciting events are planned throughout for your enjoyment.
Please check out Winter Festival agenda on this link
http://www.invernessfestivals.com/winter08/all_december_events.php:

With the Christmas holiday season almost upon us, now is a good time to
remind people to take steps to make sure your Christmas isn’t spoiled by criminals. This year we want you to have fun whilst out shopping or on your night out.

So what can we do to make sure we have fun and remain safe?
The Inverness Crime Prevention Panel have applied normal crime prevention advice to Christmas and this is often common sense, but you might overlook it in your haste to get everything ready

Out on the town

With office parties and general Christmas celebrations, pubs, restaurants and other venues are often crowded. Don’t leave bags over the back of your chair and keep wallets and purses close to your body to make it more difficult for the pickpocket. Busy places make it easier for the sneak thief, so be alert at all times. Make prior arrangements as to how you will get home. Avoid any potential disturbances on the street. Stay with friends if you can. Make sure someone knows where you are going and what time you will be back. Don’t drink too much – you could become a target for thieves.
Take precautions against Drink spiking – Keep your glass with you, never leaving it unattended and keep it covered.

Please do not drink and drive – to do so risks your own life and others and incurs heavy penalties, possibly prison and financially.

Late Night Bus Service
For the second year Operation Respect will be providing a bus service home after midnight enabling you to come into the city for an evening out without taking a car.

These late night buses will be running during the festive season on a Friday and Saturday.
The service will run between 11.30pm until 4am with a £2.00 fare.

Liz Gilchrist -Vice Chair of Inverness Crime Prevention Panel said  “I hope people will avail themselves of this service, it  will get you home safely after having a good night ‘out on the town’”  Click on this link for the time table:Night bus poster


Shopping Tips

Criminals take the opportunities afforded them by the extra shopping we do, the hustle and bustle of town centres as we rush around, and the value of the goods we buy as presents and store in our homes until the big day. We might also be more trusting and generous at Christmas when requests for charity are made, giving the unscrupulous a chance to collect for their own causes.
When the shops are crowded, the pickpocket has more chance to steal from you. If you can’t arrange to shop during less busy times, make sure you stay alert and be extra careful with your wallet or purse.
If you have too many bags you will be too busy trying to hold on to these to be aware of anyone stealing from you. You could try to make smaller shopping trips rather than do it all at once and carry too much.
Have your purse/wallet close to your body and don’t carry too much cash. The same applies to traveling on crowded buses or trains.
If you travel by car, make sure you park in a well-lit area.
Lock all doors and windows and do not leave presents in view. Try not to return to your car to leave purchases in the boot before continuing with your shopping trip as thieves may well watch car parks for just such a chance. Arrange to collect heavy items from stores when you have finished all your shopping.
Take care of your personal belongings.
Keep your chequebook and cheque card separately.
Protect your card Pin Number when making payments and cash withdrawals.
Do check the cash machine has not been tampered with ie an unusual insert at the card entry point or overhead camera strip.

**********************************************
Jim Ferguson, as Chair of Crimestoppers, in co-operation with Inverness Crime Prevention Panel, Police, Highland Council wishes everyone a very happy and safe festive period.

Finally, people should contact Crimestoppers on 0800 555 111 if they have information about any criminal activity. (Crimestoppers is a Registered Charity.)

Have Fun – Be Safe!

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Interested in Crime Prevention?

Inverness Crime Prevention Panel is a Charity which works in partnership with many organisations, including Northern Constabulary and Highland Council.

We are all volunteers who give a little time to educate and inform the public on how to keep themselves and their property safe.

Have you skills which may help or ideas for input?  eg., Fund raising or Project Organising?

We are always interested in anyone who would like to help at various events we are involved with – from leaflet distribution to security marking of mobile phones and computers through to talking to young people and the elderly about personal security.

Can you support us in our efforts on projects?

If you feel you can assist us please contact us on 01463 772692 or email info@icpp.co.uk

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Crimestoppers seek public support to help police in the war on drugs

Crimestoppers is urging the public of the Highlands and Islands to call them with information which could help Police in their efforts to reduce the supply of illegal drugs in the region.

Northern Constabulary has enjoyed a successful year and has taken hundreds of thousands of pounds worth of drugs off the streets.

Both Crimestoppers and Police say they must not be complacent and have vowed to continue to target those involved in the drugs trade and any other form of serious and organised crime.

Crimestoppers’ National Training and Development Manager, Iain Froggett visited Northern Constabulary HQ last week to speak to Police and partner agencies about the work of the crime fighting charity and underline the independent charity’s commitment to helping Police tackle the drugs menace.

Mr Froggett was invited by Crimestoppers Highland chairman Jim Ferguson, who organised event.

Jim Ferguson Highlands and Islands regional chairman said: “I was delighted to have Ian Froggett attend today’s meeting which clearly shows the high level of support from Crimestoppers nationally for the Highlands and Islands region.

The region has shown a 6% increase in the number of calls received over last year and a 40% rise in the number of arrests all due to information received from Crimestoppers which is highly encouraging.

Crimestoppers is effective in the fight against crime and we are all striving hard to tackle the problems that affect our communities. Our board has been very active, regularly attending community council meetings and giving presentations to interested groups.”

He added: “We appreciate the dedication of Northern Constabulary and their support of Crimestoppers in our combined efforts to make our communities safer.

Crimestoppers offer a completely anonymous way of passing information to law enforcement and clearly the Highlands is increasingly using the service which we provide to good effect.”

Mr Froggett said: “It is great to visit the low crime areas encompassed by the Highlands of Scotland, but to keep it that way, we need people to be vigilant. If they feel they cannot report information about criminal activity to the police for fear of being identified or because they are too close to an offender, then Crimestoppers offers the ideal means.

We promise total anonymity to all callers whether they use:
Telephone: 0800 555 111 or choose to report online from our website
www.crimestoppersscotland-uk.org/

Even the smallest piece of information we receive will be passed to the police and it may be the key to supporting a successful investigation.”

He added: “Offenders are the people who should fear the consequences of crime and by working closely with communities at large, with Crimestoppers volunteers and the police, we can help reduce the availability of controlled drugs and help in the prosecution of those who supply them.”

Deputy Chief Constable Garry Sutherland said: “We are grateful for the continued support we receive from Crimestoppers.

“Some members of the public may feel they cannot contact Police with information, for whatever reason, and in those circumstances Crimestoppers can provide an alternative solution.

“The Crimestoppers service offers people crucial reassurance that the information they are providing is being treated completely anonymously.

“Historically, information provided through Crimestoppers has played a part in the solving of a number of crimes in the Northern Constabulary area and we look forward to further developing that partnership, to ensure the Highlands and Islands remain among the safest places in the UK to live, work and invest.”

Ends

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Serious Fraud Office – Be aware! Current scams

You might not have heard of the very latest scams happening at the moment – keep up to date and be aware of current fraud by regularly checking the  Serious Fraud Office web site.

Explore the different types of fraud and be aware of the biggest deceptions out there. Check out  latest news for fresh updates on fraud.

The Money Made Clear website has some useful information from the Financial Services Authority on current scams.

Follow these links to find out more about these scams:

* Advance fee schemes – letters or emails that offer you vast sums if you make payments up front
* Share scams (also known as boiler rooms) – a stranger rings you out of the blue and tries to offer you shares in a company you have never heard of
* Affinity fraud – investment scams that target members of a group, such as a community or a religious, ethnic, elderly or professional group
* Fund transfer schemes – money-laundering scams that tempt you to use your bank account by offering a commission. But you could wind up with a prison sentence too
* Online fraud (phishing) – fake bank websites that criminals use to try and get your personal details and money

Consumer Direct is a government-backed service offering free help and advice for consumers. It provides a range of information on detecting and avoiding scams and rip-offs.

The Office of Fair Trading has published information on ‘How to detect a scam’ and what to look out for.

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Public Warned Not to Fall For Email Money Scams

Inverness Crime Prevention Panel and Northern Constabulary are warning members of the public not to fall for email or telephone scams in which there are attempts to gain personal details.

There have been reports of people having received emails, purporting to be from banks, or people with acess to huge sums of money informing the recipient that they are either entitled to sums of money or can provide assistance in moving huge sums of money and to make contact giving their personal details.
 
These emails and similar telephone calls are scams and people should on no account respond to these unsolicited contacts.
 
They are designed in many cases for identity theft purposes. Inverness Crime Prevention Panel amazingly receive many such emails – the senders have no fear of reprisal and will mail thousands of recipients in the belief that anyone is likely to respond, particularly if they think they may benefit from easy money.
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Inverness Police issue warning to bank account holders not to disclose personal information

NORTHERN Constabulary is warning the public to take care of their personal banking information.

A number of people in the Inverness area have recently been contacted unexpectedly by telephone, and by email trying to induce them to impart personal and banking details.

Under no circumstances should any details be given, as Banks themselves advise they would never contact individuals in this manner.

Constable Malcolm Raeburn, Community Safety Officer at Burnett Road said: “Under no circumstances should you impart personal or banking details to any person asking for it, either by way of telephone or email. If you have any doubt you should independently contact your bank to clarify any query that may have been raised.”

Northern Constabulary can be contacted at 01463 715555 or Crimestoppers at 0800 555111.

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Have Fun – Be Safe – During the Inverness Winter Festival

Inverness Capital of the Scottish Highlands has a wealth of facilities for visitors to enjoy and at this time of year traders and leisure operators pull out all the stops to provide the best possible range of services to meet your needs.

2008 is no exception and Major Stores, Shops, Pubs, Clubs, Theatre, Cinema, Hotel and Visitor Attractions are making every effort to put an attractive package together to ensure an enjoyable experience to suit most tastes.

Northern Constabulary, Inverness Crime Prevention Panel, Crimestoppers, Street Pastors, Highland Council and other groups are working together to ensure as safe an environment as possible exists during this period and as an ongoing operation under the “Respect” umbrella.

With the Christmas holiday season almost upon us, now is a good time to remind people to take steps to make sure criminals don’t spoil your Christmas.

Criminals take the opportunities afforded them by the extra shopping we do, the hustle and bustle of town centres as we rush around, and the value of the goods we buy as presents and store in our homes until the big day.

We might also be more trusting and generous at Christmas when requests for charity are made, giving the unscrupulous a chance to collect for their own causes.


Jim Ferguson – Chair of the Inverness Crime Prevention Panel
talks with the Police out in the City at night.

Commenting on the Winter Festival arrangements, Inverness Area Police Commander, Chief Inspector Julian Innes said:

“I am really pleased that all the partners in Inverness are working together to make Inverness safer and more enjoyable over the winter festival period. Extra Police officers will be on patrol to deter anti social behaviour but for those that chose to commit crime and spoil the enjoyment of others then the message is clear in that it will not be tolerated and policing will be robust.”

Inverness Area Command

Inverness City is the urban centre of Northern Constabulary’s Force area.
The Area Command is responsible for Policing not only the city, but many of the outlying areas such as Beauly, Drumnadrochit and Fort Augustus to name but a few.

So what can we do?

Inverness Crime Prevention Panel has applied normal crime prevention advice to Christmas.

The information below is often common sense, but you might overlook it in your haste to get everything ready.

Out on the town

With office parties and general Christmas celebrations, pubs, restaurants and other venues are often crowded.

> Don’t leave bags over the back of your chair and keep wallets and purses close to your body to make it more difficult for the pickpocket.
> Busy places make it easier for the sneak thief, so be alert at all times
> Make prior arrangements as to how you will get home.
> Avoid any potential disturbances on the street. Stay with friends if you can.
> Make sure someone knows where you are going and what time you will be back.
> Don’t drink too much – you could become a target for thieves.
> Take precautions against Drink spiking – Keep your glass with you, never leaving it unattended and keep it covered.

Some general points:

You will be safest in bright, well-lit and busy areas.

> Try to look and act confident – look like you know where you are going and walk tall.

> You might like to spread your valuables around your body.
> For example, keep your phone in your bag, your house keys in your trouser pocket and your money in your jacket.

> Try not to be conspicuous about the valuables you are carrying.
> Talking on your mobile phone, carrying a laptop, or showing your friend your new gold ring all show thieves that you are worth robbing.

> When out walking or jogging, you should not listen to a personal stereo through headphones, so you can stay more alert to your surroundings.


Mobile phones

If your phone is stolen, report your number to your network and the police
The handset can now be barred on all networks and will be useless to thieves.

> Register your phone with your network operator.

> Record your registration number (IMEI) and your phone number.
> Keep these in a safe place separate from your phone.
> You can get your IMEI number (15-digit serial number) by keying *#06# into most phones or by looking behind your phone battery.

> Report the number of your stolen phone to your network operator and the police as quickly as you can. It can now be cancelled immediately like a stolen credit card.

> Stay alert your phone is a valuable item. When you are out, be aware of your surroundings and don’t use your phone in crowded areas or where you might feel unsafe.

Credit cards

> Keep your cards separate from your cheque books.

> If your cards are stolen, call your bank or credit card company as soon as possible. > Most banks put the number to call if your cards are stolen on your statement.
They are also often shown on cash machines.

Following the general guidelines for personal safety will help you avoid situations where people may rob you.

Personal Safety: Transport

This section offers some general tips on how to keep yourself safe and secure when you’re making a journey either catching a bus or taxi, or when you’re in the car.

Public transport

As with everything, you are safest where there are other people, and where it is light or well lit.

> Plan your route.

> Try to wait in busy or well-lit areas.

> Sit near other people, the driver if you are on a bus, or near the conductor if you are on a train.

Move if someone makes you feel uncomfortable.

Out Shopping

When the shops are crowded, the pickpocket has more chance to steal from you.

> If you can’t arrange to shop during less busy times, make sure you stay alert and be extra careful with your wallet or purse.
> If you have too many bags you will be too busy trying to hold on to these to be aware of anyone stealing from you.
> You could try to make smaller shopping trips rather than do it all at once and carry too much
> Have your purse/wallet close to your body and don’t carry too much cash.
> The same applies to travelling on crowded buses or trains.
> If you travel by car, make sure you park in a well- lit area, lock all doors and windows and do not leave presents in view.
> Try not to return to your car to leave purchases in the boot before continuing with your shopping trip as thieves may well watch car parks for just such a chance.
> Arrange to collect heavy items from stores when you have finished all your shopping.
> Keep your chequebook and cheque card separately.

At Home

Having bought all those wonderful presents, don’t make it easy for someone to steal from your home.
> Keep them out of sight until last thing on Christmas Eve and if you ‘hide’ or store larger items such as bicycles in the shed or outbuildings, make sure they are very secure.
> Now is a good time to check that you know what you have both normally (TV, Video etc) and with the extra presents you have bought.
> You may well find you need to check your insurance to make sure you are covered for the value of goods in your home.
> Take the frame numbers of new cycles and the serial numbers of new electrical equipment for future reference.
> Remember, empty boxes left outside advertise that you have new goods inside – dispose of packing carefully.

> If you go out for the evening – make it look like someone is at home by turning on lights and the radio.
> Don’t leave curtains open so people can see your decorations as potential thieves can see in.
> Be extra careful about locking doors and windows.
> As a fire precaution, don’t leave Christmas lights on in the house whilst you are out.

> If you go away for the holiday period – use an automatic timer for lights and ask a trusted neighbour to watch your home.
> Don’t forget to cancel newspapers and milk if you have them delivered and either redirect your mail through the Post Office or have your neighbour take mail into the house – unopened Christmas cards and mail are a sure sign that a house is empty.

Strangers at the door

> Genuine delivery personnel usually have uniforms and liveried vehicles and should not need to come into your home.
> Charity collectors will have identification and will not be offended if you ask to see it.
> If you are not sure but want to make a donation, ask whether these can be made in other ways, perhaps through a bank – check with your bank before making any payments through the banking system.

Driving

Please do not drink and drive – to do so risks your own life and others and incurs heavy penalties, possibly prison and financially.

General Safety in your car

> Keep your car in good condition and try not to run out of petrol.

> Keep doors locked when driving and keep bags, phones and other valuables out of sight, preferably in the boot.

> Try to park in well-lit or busy areas, and if you park during the day, think about what the area will feel like after dark.

> Do not give lifts to or accept lifts with people you do not know, or do not know well.

> Do not drive if you have been drinking or taking drugs, and do not take a lift from someone who has.

> You may feel more comfortable carrying a mobile phone with you. Try to keep it out of sight, and do not use it while drivingThe Inverness Winter Festival started on 20th November and will continue until 1st January.

Inverness Crime Prevention Panel in co-operation with Police, Highland Council, Street Pastors and Crimestoppers wish everyone a very happy festive period.

Finally, anyone with information about any criminal activity is asked to contact Crimestoppers.

The service is designed with confidentiality in mind and information about crime can be given anonymously

Call Crimestoppers anonymously on: 0800 555 111

Crimestoppers are a Registered Charity.

Have Fun, Be Safe, and please Respect each other during this festive season and at all other times.

Jim Ferguson
Chair - Inverness Crime Prevention Panel
Chair – Crimestoppers Highlands

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Crime Detection rates remain high across Highlands and Islands

Chief Constable Ian Latimer announced substantial progress in his report to the Joint Police Board. He said:

“The overall picture is extremely positive. Our excellent detection rates remain well above the national average and are the envy of other forces. This demonstrates the continued hard work, dedication and commitment of our officers across the Highlands and Islands.

“I would like to highlight the excellent work which has been continuing in the investigation and detection of drug related crime and the targeting of those who supply illegal drugs. There have been substantial recoveries of heroin and proceeds of crime as well as the successful uncovery and raising awareness of cannabis cultivations. As a result of significant resource allocation to this investigation, £1.2million of drugs have been recovered and a number of people have appeared in court.”

Mr Latimer added:

“A number of high profile investigations have now reached a successful conclusion in the courts, the most notable of these are: Michael Ross sentenced to 25 years for murder; Francis Flannigan to 11 years for murder; and Colin Macdonald to 12 years for sexual offences against children. These are sentences represent a huge commitment and dedication of our staff and a significant achievement for the force.”

Mr Latimer went on to say:

“Crime remains very low across the whole force area, but I would also like to remind the public and Board members that the victims behind the statistics are the important factor in our policing strategy.”

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Get Safe Online Week

Get Safe Online Week is an annual event to raise awareness of internet safety issues and runs from the 17th to 21st November 2008.

Reaching out to consumers and small businesses through competitions, events and PR activity.

What is the objective?

The objective is to encourage everyone to take some time out of their week to learn more about internet safety and to make sure that their computer is properly protected.

The risks are grave but prevention is easy. A few hours is all you need. It’s a small price to pay compared to the huge hassle of dealing with viruses, identity theft and online fraud.

Additional information

Read the latest Get Safe Online security survey.
(Requires Adobe Reader)

Download the leaflet for consumers and the leaflet for small businesses. (Adobe Reader)

Download GetSafeOnline.org banners for the home page (www.getsafeonline.org)
or for the interactive quiz (www.getsafeonline.org/go/test).

Visit Get Safe Online. – Expert advice for everyone and check out the blog. – Join the conversation.

Download the GetSafeOnline.org logo. (ZIP File)

Sign up to the Get Safe Online Supporters’ Charter.
(Requires Adobe Reader)

Get Adobe Reader.
Get Microsoft Word Viewer

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Credit Card Fraud – Huge Increase

APACS announces latest fraud figures

  • Plastic card fraud losses up 14% to £301.7m in first six months of 2008
  • Fraud abroad accounts for 40% of total card fraud losses
  • Online banking fraud losses up by 185% to £21.4m
  • Cheque fraud losses up by 35% to £20.4m

Figures released by APACS, the UK payments association, show that total card fraud losses increased by 14 per cent in the six months to June 2008 compared with the first half of 2007.  Total card fraud losses for this period now stand at £301.7m, of which more than 40 per cent is the result of fraud abroad – which typically involves criminals using stolen UK card details at cash machines and retailers in countries that have yet to upgrade to chip and PIN.

Fraud Type Jan to June 2005 Jan to June 2006 Jan to June 2007 Jan to June 2008 +/- (07/08)
Phone, internet and mail order fraud (Card-not-present fraud)

£90.6m

£95.3m £137.0m £161.9m +18%
Counterfeit (skimmed/cloned)

card fraud

£45.6m

£52.8m £72.3m £88.1m +22%
Fraud on lost or stolen cards

£44.3m

£36.1m £30.7m £27.3m -11%
Card ID theft

£22.8m

£15.0m £18.7m £19.1m +2%
Mail non-receipt

£16.1m

£9.8m £4.9m £5.2m +6%
TOTAL £219.5m £209.0m £263.6m £301.7m +14%
Contained within this total:

UK retailer (face-to-face transactions)

£73.2m

£42.1m £37.5m £47.4m +26%
UK cash machine fraud

£28.8m

£39.5m £17.1m £20.8m +22%
Domestic/International split of total figure:

Fraud in UK

£177.6m

£160.8m £154.8m £180.5m +17%
Fraud abroad

£41.8m

£48.1m £108.8m £121.2m +11%

Chip and PIN has made it more difficult for fraudsters to commit card fraud in the UK, with losses at UK retailers down by 35 per cent since 2005 (£73.2m during January to June 2005 compared with £47.4m during January to June 2008).

The latest figures also reveal that fraud on lost and stolen cards (£27.3m) has fallen by 38 per cent in the past three years – and is now at its lowest level for ten years.

However, criminals continue to target UK-issued cards, copying the magnetic stripe data and creating counterfeit magnetic stripe cards that can potentially be used fraudulently in countries that haven’t yet upgraded to chip and PIN.

This has caused a 190 per cent increase in losses abroad over the last three years, which now total £121.2m. This type of fraud will become more difficult to commit when the European banking industry meets its target to complete its chip card rollout by 2010.

Losses from phone, internet and mail order shopping fraud have continued to increase year-on-year – albeit at a decreasing rate – and now stand at £161.9m, 54 per cent of all card fraud losses.

However these losses need to be seen in the context of increasing numbers of online retailers and ever-growing numbers of online transactions  from 2001 to 2007 this type of fraud went up by 204 per cent whilst, over the same time period, the value of online shopping card transactions alone increased by 415 per cent*.

Sandra Quinn, director of communications at APACS says:

“Criminals continue to target those areas where we do not currently have the security benefits of chip and PIN, causing increases in fraud abroad and phone, internet and mail order shopping fraud. Fraud abroad will be made more difficult for criminals to commit as more countries rollout chip and PIN.

“To help tackle online fraud, we continue to urge shoppers to: protect their computer with up-to-date anti-virus software; only use secure websites; and register with MasterCard SecureCode and Verified by Visa when prompted – as these systems make cards more secure when shopping online.

APACS is launching a new campaign later this month ” Be Card Smart Online ” which is aimed at providing further guidance and advice to help consumers stay safe online.”

Online banking fraud losses totalled £21.4m during the six months to June 2008 – a 185 per cent rise on the 2007 figure. Although this increase seems marked, it is in keeping with a gradual increase seen from the second half of last year, when online banking fraud losses increased to £15.1m (during July to December 2007). The increase is largely due to criminals targeting online banking customers through phishing and spyware scams – because the banks’ own systems have proved difficult to attack.

The number of recorded phishing attacks continues to increase, with more than 20,000 fraudulent phishing websites set up in the first half of 2008 – an increase of more than 180 per cent from the same period last year.

Online banking fraud losses, phishing incidents and money mule adverts

Jan to June 2005

Jan to June 2006 Jan to June 2007 Jan to June 2008 +/-% (07/08)
Online banking fraud

£14.5m

£22.4m £7.5m £21.4m +185%
Phishing incidents

312

5,087 7,224 20,682 +186%
Mule recruitment adverts

196

468 655 873 +33%

Any fraud losses through the faster payments channel would form part of these online banking fraud figures. However, the new service only launched with a gradual rollout, which commenced on 27 May.

Help and advice about preventing all types of online banking fraud is available at www.banksafeonline.org.uk.

Cheque fraud losses during January to June 2008 rose 35 per cent, from £15.1m to £20.4m. However, these losses still remain relatively low compared with other fraud types.

* CNP fraud losses were £95.7m in 2001; £290.5m in 2007. Value of online shopping card transactions: £6.6bn in 2001; £34bn in 2007.

ENDS

For further information contact the APACS Press Office on 020 7711 6340 / 020 7711 6251 / 020 7711 6316 or press@apacs.org.uk

Notes to editors:

1 APACS is the trade body that gives banks, building societies and card issuers a forum where they can work together on non-competitive issues. We help manage the way that businesses and individuals in the UK move their money around – this covers cash, credit and debit cards, cheques and automated payments such as Direct Debits, salary payments and the new Faster Payments Service launched on 27th May for online/phone banking transactions and standing orders. We lead the fight against banking fraud and twice a year we publish figures on payment industry fraud losses. Further information and advice for consumers and retailers regarding how to avoid being a victim of all types of card fraud is available at www.cardwatch.org.uk.

2 Verified by Visa and MasterCard SecureCode are secure online payment systems that enable cardholders to authenticate themselves when shopping online at participating merchants through the use of a password. More information is available at www.shopsafeonline.org.uk

3 Phishing is the name given to the practice used by fraudsters who send emails at random that seem to come from a genuine online bank or business, in an attempt to trick customers of those companies into disclosing personal security information – typically at a bogus website operated by the fraudsters.

These emails usually claim that it is necessary to “update” or “verify” your customer account information and they urge people to click on a link from the email which takes them to the bogus website. Any information entered on the bogus website will be captured by the criminals for their own fraudulent purposes.

You can prevent yourself from becoming a victim of phishing by being wary of all unsolicited emails, even if they appear to originate from a trusted source. Although your bank may contact you by email, it will never ask you to reconfirm your login or security password information by clicking on a link in an email and visiting a website. For more information, visit www.banksafeonline.org.uk

4 Phishing incidents relate to the number of recorded phishing attacks on UK banks and building societies: each phishing incident typically involves fraudsters setting up a website that is a fake version of a genuine bank website, and then sending out thousands or even millions of spam emails trying to convince people to click on a link that will send them to that fake site. The objective is to fool people into then entering their online banking security information – such as user names, PINs and passwords – onto the fake site.

5 A money mule, or money transfer agent as it is sometimes called, is someone recruited by fraudsters needing to transfer money from one country to another.

As most fraudsters are located overseas and it is not possible to make cross-border transfers from most online bank accounts in the UK, a money mule is required to launder the money. After being recruited by the fraudsters, money mules receive funds into their accounts and they then withdraw the money and send it overseas using a wire transfer service, minus a certain commission payment.

Money mule recruitment adverts are calculated according to each time a new fake “job” advert is detected.

Such scams may appear as spam emails, spoof websites, adverts on real job recruitment websites or even in national newspapers. For more details, visit www.banksafeonline.org.uk

6 Advice to help avoid being a victim of fraud:

  • Don’t let your cards or your card details out of your sight when making a transaction.
  • Destroy, preferably shred, any documents or receipts that contain personal financial information when you dispose of them.
  • Do not keep your passwords, login details and PINs written down.
  • Do not disclose PINs, login details or passwords in response to unsolicited emails claiming to be from your bank or the police.
  • When entering your PIN in a shop or a cash machine use your free hand to shield the number from prying eyes or hidden cameras.
  • Only divulge your card details in a telephone transaction when you have instigated the call and are familiar with the company.
  • Make sure your computer has up-to-date anti-virus software and a firewall installed.
  • Register your cards with Verified by Visa or MasterCard SecureCode.
  • Access internet banking or shopping sites by typing the address into your browser. Never go to a website from a link in an email and then enter personal details.
  • Shop at secure websites by ensuring that the security icon (locked padlock or unbroken key symbol) is showing in your browser window.
  • Always log out after shopping and save the confirmation email as a record of your purchase.

7 The National Fraud Strategic Authority, an agency of the Attorney General’s Office that will work with private, public and third sector organisations to initiate, co-ordinate and communicate counter-fraud activity across the UK economy, was officially established on 1st October 2008.

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Bank scam – Police issue cold caller warning to public

NORTHERN Constabulary is warning householders not to give out any details to cold callers claiming to be from their bank following further calls over the past few days.

Last month Northern Constabulary highlighted a number of cases in Inverness where residents had significant sums of money removed from their accounts as a result of the scam.

Police are again urging householders, particularly the elderly, not to give out any details to individuals claiming to be from their bank, especially details such as bank account numbers, passwords and other sensitive information.

Officers would also ask members of the public to exercise extreme caution in relation to any telephone calls they may receive in relation to their bank accounts.

A Police spokesman said:

“There have been further instances over the past few days where cold callers have been claiming to be from a bank and asking for account details.

“This is not normal banking practice and no details of accounts, passwords or P.I.N codes should be discussed on the telephone.

“We would like to thanks members of the public for calling Police within information to date and would encourage them to continue to do so if they are concerned about calls they have received.”

Police say that if people are in any doubt with regards to the authenticity of calls they should take the name and phone number of the caller and call the Police.

Officers are continuing to carry out investigations into the reported incidents to date and the warning to the public extends to all areas of the Force. The public across the Highlands and Islands are asked to remain vigilant.

If anyone feels they may have been a victim of such a fraud they should contact:
Police on 08456 033388 or Crimestoppers anonymously on 0800 555 111.

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