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Take five to stop fraud

It pays to stop and think

If you receive a phone call, text or email asking you to hand over personal or financial information, you need to take a moment to reflect and step back from the situation.

Yes, even if they say they're the bank, police or another trusted organisation, you still need to take the time to stop and think about what's really going on.

Because, deep down, you probably already know the basic rules on how to beat financial fraud - you just need to take a deep breath and stay calm to remember them...

Take Five To Stop Fraud

General advice

1. Never disclose security details, such as your PIN or full internet banking password

Banks and other trusted organisations will never ask you for these in an email, on the phone, by text or in writing. Before you share anything with anyone, stop. Then pause to consider what you’re being asked for and question why they need it. Unless you’re 100% sure who you’re talking to, don’t disclose any personal or financial details.

At Triodos Bank we will always ask you for your account number if you contact us by phone or email. We will also ask you a variety of security questions, including your full security word if you are a personal customer, to identify you on the phone. We will only ever communicate with your registered contact details.

2. Don’t assume an email or phone call is authentic

Just because someone knows your basic details (such as your name and address or even your mother’s maiden name), it doesn’t mean they are genuine. Be mindful of who you trust – fraudsters may try to trick you and gain your confidence by telling you that you’ve been a victim of fraud. Fraudsters often use this tactic to draw you into the conversation, to scare you into acting and revealing security details. Remember, fraudsters can also make any telephone number appear on your phone handset, so even if you recognise the number or it seems authentic, do not assume they are genuine.

3. Don't be rushed or pressured into making a decision

Under no circumstances would a bank or organisation force you to make a financial transaction on the spot; they would never ask you to transfer money into another account for fraud reasons. Remember to stop and take time to carefully consider your actions. A bank or trusted organisation won’t rush you or mind waiting if you want time to think.

4. Listen to your instincts

If something feels wrong then it is usually right to question it. Fraudsters may lull you into a false sense of security when you are out and about or rely on your defences being down when you’re in the comfort of your own home. They may appear trustworthy, but they may not be who they claim to be.

5. Stay in control

Have the confidence to refuse unusual requests for personal or financial information. It’s easy to feel embarrassed when faced with unexpected or complex conversations. But it’s okay to stop the discussion if you do not feel in control of it.

What to do if you think you're a victim

If you think there has been fraud on your card or bank account - or if you suspect someone has attempted to compromise your financial details - report it immediately to your bank or other financial services provider and then contact Action Fraud on 0300 123 2040 or at actionfraud.police.uk.

Take Five is a national campaign that offers straightforward and impartial advice to help everyone protect themselves from preventable financial fraud. This includes email deception and phone-based scams as well as online fraud - particularly where criminals impersonate trusted organisations. Led by Financial Fraud Action UK Ltd (FFA UK)

Visit: https://takefive-stopfraud.org.uk for more information about Take Five

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