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Jersey Consumer Council

Tag: fraud

Play YOUR Part

June 30, 2017 Consumer Skills, Home life, Scams No Comments
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Act on scams

and

‘PLAY YOUR PART’

Behind every deceptive money grabbing, life destroying SCAM & Fraud there is a crooked plot – acted out by unscrupulous people. Every plot has room for at least one walk on part and that’s where you and I can change the script.

 

July is the Citizens Advice National Scams Awareness month ‘PLAY YOUR PART’ and Citizens Advice Jersey is spreading the word about scams to help stop more people across the Island from being conned.

 

Malcolm Ferey, Chief Executive of Citizens Advice Jersey says

 

“Being scammed can ruin people’s finances. During Scams Awareness Month we’re encouraging people to play their part in preventing scams by reporting them and telling others about them.”

 

Play YOUR Part ….

Communicator

Ask your friends, family and contacts to share a story about a recent unwanted call, they have received, an unwanted email, text or letter with you or their friends. Encourage open discussions about SCAMS.

Sharer

Share the FACTOID that 45% of people think that hearing someone’s voice makes it easier to judge their honesty. Remember, they are still strangers! #TakeFive.

Messenger

Check your consent box – to tick or not to tick the box allowing your personal information to be captured by legitimate companies and then shared or sold to affiliated/third parties simply because a consent tick box had been missed.

Reminder

Remind everyone that they shouldn’t be rushed – genuine organisations won’t mind waiting

The Companion

Let others know to listen to and TRUST their instincts – if it doesn’t feel right walk away.

Only 5% of all scams are reported so there’s so many more plots of horror we don’t even know about yet. Which makes it so hard to help those affected or to prevent others from becoming a part of the SCAM.

Scams are becoming highly sophisticated and often use grooming social skills to prey on communities.

The charity is being supported by the Consumer Council and Trading Standards to help spread the word throughout Scams Awareness Month, a campaign encouraging people to report and talk about scams that starts on Saturday 1 July, 2017.

Executive Officer of the Consumer Council, Anne King hopes that our island community spirit will play a pivotal part in keeping people safe from the emotional trauma and impacts of financial loss.

She goes on to challenge islanders to select the PART they can PLAY

Alison De Bourcier, Director of Consumer Affairs and Trading Standards in support says that:

“Trading Standards is actively supporting this campaign, the aim is to reduce the risk and impact of scams and fraud by raising awareness and encouraging Islanders to take action – recognising, reporting and talking about scams.

We all need to play our part in stopping this menace”


The world is at your ‘keyboard’ when using the internet to research or book your holiday or other travel arrangements.

April 20, 2016 Consumer Skills, Home life, Scams, Travel and Transport No Comments
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Take a moment to check out all the risks even if you think you may be aware of them all.

 

The risks

 

  • Fraud resulting from making payments over unsecured web pages
  • Flight scams:
    • Where you book a flight and receive a fake ticket, or pay for a ticket that never arrives.
  • Holiday scams:
    • Fake websites and email offers for holidays or villas that do not exist. They require you to pay a deposit, which you never see again.
    • Fake competition scams defrauding you out of a fee to secure a holiday.
  • Inadvertently advertising the fact that your house will be empty when you are away, by posting on social networking or travel tracking sites. Some insurance companies are now rejecting claims if homes are targeted by burglars while the owners are away on holiday and made reference to it on social networking sites.

 

Safe Booking

 

  • Ensure that any holiday or travel company unfamiliar to you is reputable by researching them online. Ensure that they are a member of a recognised travel authority which offers financial protection and a complaints service.

 

  • When possible, pay for holidays and travel using your credit card as this offers additional financial protection over other methods. Please note that your holiday or travel company may levy a surcharge for credit card payments.

 

  • Double check all details such as travel dates, itineraries, destinations and travellers before confirming payment, as you may be charged for amendments.

 

  • Take out travel insurance adequate for your destination, activities and everyone in your party.

 

  • Do not reply to unsolicited emails from companies you don’t recognise.

 

  • If renting a private apartment or villa, call the owner/agent directly to ensure that it is legitimate. If the number is not provided, email and request it. Check reviews on TripAdvisor or similar sites.

 

  • Get the full address of the property and find it on Google maps to check its location and legitimacy.

 

  • Prior to payment, obtain a contract setting out terms and conditions of the rental, deposits, payment terms etc.
    • Before entering payment card details on a website, ensure that the link is secure, in three ways:
    • There should be a padlock symbol in the browser window frame, which appears when you attempt to log in or register. Be sure that the padlock is not on the page itself … this will probably indicate a fraudulent site.
    • The web address should begin with ‘https://’. The ‘s’ stands for ‘secure’.
    • If using the latest version of your browser, the address bar or the name of the site owner will turn green.

 

  • Some websites will redirect you to a third-party payment service (such as WorldPay). Ensure that these sites are secure before you make your payment.

 

  • Safeguard and remember the password you have chosen for the extra verification services used on some websites, such as Verified by Visa.

 

  • When making a payment to an individual, never transfer the money directly into their bank account but use a secure payment site such as PayPal, where money is transferred between two electronic accounts.

 

  • Always log out of sites into which you have logged in or registered details. Simply closing your browser is not enough to ensure privacy.

 

  • Keep receipts for all online holiday or travel bookings and payments.

 

  • Check credit card and bank statements carefully after booking to ensure that the correct amount has been debited, and also that no fraud has taken place as a result of the booking.

 

  • Before you post details of your travel dates on social networking or travel tracking sites, ensure that the correct privacy settings are in place.

 

  • Ensure you have effective and updated antivirus/antispyware software and firewall running before you go online.

 

More Information

Please refer to the following websites for more information:

ABTA Association of British Travel Agents

ATOL Air Travel Organisers’ Licensing

AiTO Association of Independent Tour Operators


The 12 Online Frauds of Christmas

November 16, 2015 Scams No Comments
christmas-fraud-JCC

The 12 Online Frauds of Christmas

In the countdown to Christmas lots of Islanders will be going online to buy presents for friends and family, search for holidays, book tickets for a big gig or send an electronic Christmas card.

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SCAM Letters …are Attempted Fraud

November 16, 2015 Scams No Comments
scam-mail-JCC

SCAM Letters …are attempted fraud

Do these look familiar to you or is someone you know receiving similar letters?

Here are some simple steps to follow to minimise the impact of these unwanted and nasty letters
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It’s Time to Spring Clean your Internet Connected Devices…

November 13, 2015 Telecommunications No Comments
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It’s time to spring clean your internet connected devices…

Jersey Police, Airtel-Vodafone, Sure, JT & Digital Jersey endorse the ‘Get Safe Online’ campaign for us all to spring clean our computers, laptops, tablets & phones, to help prevent you from becoming a victim of cybercrime.

This follows recent research revealing over half of Brits have experienced an online crime – it seems that people are not taking the necessary precautions to protect their technology. Just one in four puts security software on their mobiles or tablets (26% and 25% respectively), putting them at a significantly higher risk of spyware, spam, viruses and fraud.

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What is the Jersey Fraud Prevention Forum?

November 12, 2015 Scams No Comments
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What is the Jersey Fraud Prevention Forum

The Jersey Fraud Prevention Forum will seek to develop a coordinated and strategic approach to the protection of the Island’s general public from investment frauds and scams between the agencies concerned. J

A number of local agencies have joined forces to help protect islanders from fraud and scams. The launch will initiate the first of many campaigns to highlight and raise awareness of the dangers of fraud in particular phone and mail scams.

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Protecting your Personal Data

November 12, 2015 Scams No Comments
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Protecting your Personal Data

Do you really know what you’re doing?

In this fast moving and sometimes expensive world in which we live, it is no surprise that we do whatever we can to make life easier, more efficient and more cost effective for ourselves. We subscribe to online newspapers and magazines so we don’t have to take a trip down the road in the rain to buy one off the shelf. We fill our wallets with loyalty cards because ‘points make prizes’ (or savings on our weekly shop at least).

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Channel Islands Financial Ombudsman

November 10, 2015 Consumer Skills, Money Matters No Comments
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Channel Islands Financial Ombudsman

The Channel Islands Financial Ombudsman (CIFO) will commence the resolution of complaints about financial services on 16 November 2015, when its full legal powers are brought into force through the Financial Services Ombudsman (Jersey) Law 2014 (Appointed Day) (No. 3) Act 2015.
CIFO has published the Jersey Fee Scheme and Jersey Levy Scheme, setting out the detail of its funding mechanism. It has also published a consultation paper on a model complaint-handling procedure for financial services providers that can be found https://www.ci-fo.org/cifo-consultations/
The closing date for responses is 30 October 2015.

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Staying Secure at Cashpoints

October 26, 2015 Banking, Top tips No Comments
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Staying Secure at Cashpoints

LINK is the UK’s cash machine network, providing you with access to your cash. The number of free machines is at an all time high, and to help you manage your money effectively you can also check your balance free of charge at any LINK machine.

Despite some recent high-profile incidents, cash machine crime is very uncommon. LINK have provided a number of simple steps which all cardholders can take to help fight ATM crime :

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Regulated by the JFSC – what does it mean

October 23, 2015 Consumer Skills, Money Matters No Comments
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Regulated by the Jersey Financial Services Commission – what does this really mean?

The Commission is the Island’s financial services regulator. It is responsible for regulating and supervising businesses involved in banking, funds, investment, insurance, money service and trust company business – these are “regulated” activities.

If you deal with a regulated business this means that important checks have been carried out by the Commission to try and ensure that it is legitimate and will operate its business to the high standards which the Commission expects. These checks cannot guarantee that everything will run smoothly. However, if the Commission finds that the business has not behaved properly it may be able to take action against the business.

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