Now that the economy is getting back on its feet, people are spending their money a lot more freely, meaning that businesses are taking more money than they were previously. As people begin to spend again, scammers will be doubling their efforts in order to defraud people out of their hard-earned cash. Unfortunately, as we all become more aware and savvy to the various scams out there, fraudsters are keeping one step ahead by devising new ones, which are frequently becoming more complicated and harder to spot.
There are many ways in which you can keep your money safe from the scammers, but it takes a little work on your part to ensure that you keep on top of your finances. You should keep an eye on your current account on at least a weekly basis so that any dodgy activity can be spotted before it becomes a problem. Keeping a regular check on your current account is also a great way to keep on top of your spending budget, as you’ll be regularly updated with your balance, allowing you to adjust your plan according to what you’re actually spending.
When shopping online, or when doing anything online for that matter, you should ensure that you have adequate protection in the form of anti-virus programmes and the latest version of your browser. The older a piece of technology is, the more likely it is that hackers and scammers have found clever little loopholes in which to exploit people through. The more updated the system, the less likely it is that there will be security holes in it which could leave you compromised.
If you’re putting in your card details to any site, you should double check to ensure that the site is a) definitely the site you expected it to be and b) totally secure. There are some ‘copycat sites’ out there which may look like the site you trust, but aren’t. Always type the web address into the address bar yourself, rather than click a link to take you to the site. When you’re shopping online, look out for the little padlock at the top of your browser window, and always make sure that the address begins with ‘https://’ rather than ‘http://’ on payment pages and similar, as this shows that the page is secure.
Email and phone scams are also on the rise, so be on the lookout for anyone asking for your details such as usernames and passwords. Some emails may look completely official and could seem like they’re not asking for anything, but when you click a link in the email itself, you could be taken to a copycat site or unintentionally open yourself up to a computer virus. If you’re phoned by someone from your bank or from someone claiming to be the police, then you may be requested to phone them back so that you can make sure that it’s really them. If this happens, then you should always phone them from a different phone, as the scammers could stay on the line and simply pick the call back up again.
This article has been written by Coral Pearce-Mariner on behalf of Loans4Tenants. Coral recently published an article titled Beating the Irresponsible Payday Lenders – Take a look.