Digital

Tag: scams

  • I’ve been scammed – what should I do next?

    So you’re an unhappy victim of a scam, apart from resolving the problem which was covered in the earlier post, what else should you do, and are there any other scams you should be aware of. Let’s look at the latter first.

    Scams are not restricted to your computer, they can be “served” to you by phone or by text as well. [They can also be enacted face-to-face with vulnerable people.] The advice is constant and clear …

    1. Don’t give your details to anyone you don’t know – if in doubt say you’ll ring them back
    2. Don’t click on links in text messages (and emails of course) from people/organisations you can’t verify
    3. Don’t immediately answer a call from an unknown number, or a number withheld, if it’s a genuine call the person at the other end will speak; if they don’t, the connection will be dropped.

    Then help stamp the practice out by reporting the matter to Ofcom. There are further details on how to report a scam on this page from Which? and this one from Citizens Advice.

    Then there’s a UK website “Stop scams” – where you can report a scam by ringing the number 159. It works in exacgtly the same way as 101 (for the police) and 111 (for the NHS).

    I would also suggest sharing details of the scam with Which? using their Scam Sharer Tool

    By doing this – if you subscribe to their free newsletter – you will help others, and you, become aware of the scams that are current at that time. Here’s an example of what you’ll see delivered to your Inbox.

    A couple of useful tools to check the veracity of a caller …

    Who called me – a service that returns details of the likelihood, or otherwise, of the caller being a scammer …

    Screenshot

    … and Hiya available as an Android and iOS app – which I have to admit I’ve not tried yet …

    Screenshot

    So what were the “top” scams of 2024, and what should we expect in 2025? Which? in these two posts reports the past, and predicts the future …

    The biggest scams of 2024

    Five scams trends for 2025 – unfortunately it’s totally predictable that AI will become part of the scammer’s armoury of tools.

  • Scams – Part 2

    Almost exactly a year ago I posted on this site, and on the Cardiff u3a Digital Matters webpage, an account of one of our member’s encounter with the Windows Defender pop-up scam.

    It was indeed pleasing to be able to report that the member resolved the problem and it didn’t re-occur – as far as I know – but pop-up scams are a concern and this short post just gives some illustration of what the issue is, plus some advice on how to resolve the problem if you find your machine has been “taken over”.

    I like this US video from the FTC (Federal Trade Commission) which explains the issue really well …

    … and their are many more videos on scams, identity theft and the like on their website.

    Perhaps the most common scam is the Tech Support Scam – which is what the Windows Defender one mentioned above was. The objective of the scammer is to get complete control of your computer by persuading the user they have a problem which can be resolved by you letting them “repair” the problem remotely – so please let them have your userid and password. Quite the opposite of course – the result will be either you’re locked out of your computer whilst the scammer harvests your personal details (bank accounts, etc), or they are going to implant malware so that they can record what you’re doing online, or use your computer as a relay (an intermediary) for other attacks on other services. Not a happy place to be then!

    So read this article carefully. It describes in far greater depth and detail what these scams are and how you can remove pop-ups.

    A more extensive article which explains how to reduce and remove malware from a Windows PC is provided here.

  • Notes of Hybrid meeting – 13th October 2022

    The meeting opened with a welcome to new members – Ian, Kate, Sue, Fred and Marion Poyner, and to Mike Payne making his first meeting (if my memory serves me well). We had David Hughes, Paul, Renee and Ralph join us on Zoom. John, Jonathan, Jim, Don, Stella and Fred were with us as well. Tony, Marilyn Barrack, Linda, Mike Chapple, Christine, Sianed, Margaret, Jeanette, Seifi and Sally presented their apologies.

    I started by explaining that we had been overwhelmed by the interest in the group shown at the “Meet the Groups” meeting the previous Tuesday where 20 members, or prospective u3a members, had expressed an interest in attending group meetings. I felt duty bound to admit 12 members as we had no Waiting List policy in place at that time – this has now been introduced and some of the prospective members of have now been placed on that list. With a membership approaching 40, I felt it was necessary to review how we operated. I thank Pat, Marilyn Guest, Owen Parry and Phil Edwards for stepping down as active members – they do however continue to have the ability to use this website, the Signal group and have access to the Flipboard magazine.

    I reiterated that we don’t attempt to resolve members’ hardware issues – other than perhaps problems with printers, or connectivity issues, eg routers. We do recommend using “We will fix your PC” – Neil has done a wonderful job in supporting and helping us by resolving problems for several years now. It might be worth mentioning Cardiff u3a and the Computer Group should you chose to use his services. I also repeated what I’d said to many at the “Meet the Groups” session … namely we are not a training group. We cannot train you how to use Word, Excel, or whatever. We DO however focus on internet issues, applications and anything that is not machine/device dependent. In that way all meetings are usually accessible to all users who have access to a web browser (Chrome, Firefox, Brave, Edge, Safari, Opera, etc.).

    We are fortunate in that we have established, quite quickly, a workable hybrid (ie Zoom) meeting format. This is in no small way down to the excellent technical support offered by Craig at Sight Life, and the overall welcome and excellent facilities they are offering us.

    I am proposing, and circulated a pro-forma to start the ball rolling, to allocate members to either a 2nd or 4th Thursday preference group, with them being able to attend via Zoom on the alternative Thursday. Hopefully, this will keep the in-person group a manageable size whilst we still struggle with Covid-related issues. Some members who are essential contributors to the group will be able to attend in-person all meetings, if they are able to.

    To that end, I gratefully acknowledge the assistance of Sianed who will facilitate the “issues round the table/screen” part of the meeting; Don who has taken on the meeting attendance/subs task; Jonathan who will help me by screening Windows/PC news and issues; Paul (via Zoom currently) who will do the same for Android matters; and Jim – our official photographer and my adviser, proof reader and frequent contributor to the website.

    We’ll just need to see how this plays out. Hopefully, in time I will be able to remove restrictions on in-person attendance, but please be supportive of the difficult situation we have put ourselves in, by virtue of meeting a need. Perhaps a second group is the answer, but that would mean finding another facilitator.

    Starting the meeting proper, I explained to new members how we usually operated, the way the Thought grazing website operates, the benefits of the Signal group and the existence of the Flipboard magazine that I encourage all members to browse occasionally, and contribute to if they so wish (after creating an account).

    I then launched into a description of the theft and fraudulent event that I’d mentioned at the previous meeting and had written up as a blogpost earlier that day. I won’t repeat what I’ve written, I’ll just repeat the warning and the recommended action you should take – don’t keep your credit/debit cards near to your phone, and seriously consider activating a SIM-lock to lock your SIM to your phone – so that it can’t be taken out and put in another phone on which a banking app can be downloaded and possibly a password obtained from your bank. The case in point here was Santander.

    The issue of reporting scams to ActionFraud was mentioned, and the action you might wish to take if you receive a phishing phonecall is described here. Otherwise, I recommend you subscribe to the free Which? email scam alert service, and to look at other advice on the Which? website, and the Citizens Advice website.

    Turning to members issues …

    Fred reported the latest fortunately unbelievable text scam he’d received. I think as group members we’re getting much, much better at identifying these – the parcel that couldn’t be delivered, the transaction that know we couldn’t have made, the offer that seems to be too good to be true, the offer to help with obtaining a refund/grant/subsidy/entitlement which wouldn’t come via a text message. Just stay alert everyone, and remember … if it’s really important, the organisation will contact you again and not usually by text!

    Paul reported issues with TalkTalk and their new website. Sue had a similar issue (see below). it is disappointing that he may need to change the settings on his talktalk.net email account to get it to re-direct (as it had done previously) to his gmail account where he aggregates all his emails.

    Sue had a similar problem. The old TalkTalk website from which she’d accessed (occasionally) her email had stopped working. She hadn’t received any emails since before July. The solution hopefully, would have been to “upgrade” to the new website, but unfortunately as she’d moved to Sky (??) it was unlikely that she’d be receiving any emails from her talktalk.net email address anymore. This highlights an issue we’ve discussed before. It is advisable to move to an email provider that’s not connected to your Internet Service Provider (ISP). I used Google (and Gmail) for many years and have never used VirginMedia – my current ISP – to provide an email service for me. I migrated all my old BT email messages away from that service to avoid paying an annual charge for retaining the account after I stopped using BTinternet. I now aggregate most of my emails on iCloud – Apple’s service, as it is EXTREMELY unlikely that I’ll ever move away from them, but I retain my Google email accounts … just-in-case. Ian and Sue both used aol and asked whether this was a viable service. It was confirmed that now aol was owned by Verizon, it’s future was probably very secure.

    John wondered whether the increase in “promotional” messages he was receiving was connected to his use of his Kindle advice. You can set your communications preferences from Amazon here.

    Kate raised an issue of connecting to iCloud to delete “stuff”. I described (and demonstrated) how to login to iCloud.com using your AppleID and password.

    Ian asked the question on whether stuff deleted on iCloud was also deleted automatically on a device. I had to admit I wasn’t sure. I’d written a blogpost on the situation with Google Drive (particularly for Google Photos), but had to check-up on the situation with Apple, which I reported back to him here. I told him that I needed to do further tests to satisfy my own curiosity. I can confirm that deleting a file on iCloud Drive from the Files app on an iPhone will delete it from icloud.com and your iCloud drive on MacOS as well – which is what you would expect should happen. He also asked (after the meeting) whether his daughter could change the account name/details on an O2 account, since she was now in a position to pay for it herself. The issue being she would want to keep the phone number. I had to admit that I didn’t know, and the O2 website was less than encouraging for what seemed to be a reasonable use case, so I recommended visiting the O2 shop in St David’s Centre (I believe). I also suggested looking at GiffGaff (operating over the O2 network and owned by the parent company of O2 – Telefónica UK) as a good pay-as-you-go (PAYG) alternative. She might be able to port the number to that network (or any other network) after obtaining a PAC or STAC code.

    Here ends nearly the most rapid Notes I’ve ever written up – have to impress the new members.

  • Notes of Hybrid meeting – 8th September 2022

    Our new home??
    Room layout at Sight Life

    Back (almost) to normality. Thanks Jim for the two shots that show how we set up the room for the meeting, with quite a lot of room unused, both towards the windows, and behind the people sat at the tables.

    We welcomed Tony Baines to his first meeting and noted the “virtual” presence of David Hughes, Renee, Jenny and latterly Fred. Paul would also have been with us on Zoom but for Dolly breaking her arm and being in A&E – we wished her well. Apologies were received from Mike Payne, Mike Chapple, Sally Semlow, Margaret Lewis, Ann, Christine and Don.

    I started the meeting by describing the trials and tribulations of trying to get URC to install 4G Mobile WiFi which would if it had been installed, meant that we might well have stayed in the Upper Room. However I pointed to the tea and coffee offered to us at Sight Life as an additional bonus to the good WiFi we would now be take advantage of. This will be our home until Christmas at least and we look to having a full room after the “Meet the Groups” event on October 11th. I asked if anyone would be willing to assist on the Computer Group desk and after the meeting John, Jonathan and Sianed volunteered. Thanks.

    I suggested that we did the “issues and updates” first because I had such a lot of “news” – all posted on Flipboard since our last meeting. I also noted that it was a bit Apple-centric (as usual, some might say) and wondered whether any member might like to offer a different and wider perspective. Jonathan volunteered to take a look at Microsoft/Windows news. I committed to helping setting up a workflow to help him. So … what were the “issues and updates”?

    Jonathan had a real issue with his laptop (having dropped it). He was using his wife’s for the moment and Neil is currently trying to source a replacement screen for him. He expects it to cost £180 which just about makes it an economic proposition for a four-year old laptop. In addition he’d been having difficulties (prior to the accident) with Lightroom and I had been trying to assist him with that. Otherwise his grandson was providing tuition device _ something I think we can all say “yep! That sounds about it.”

    Ralph had done quite a large hardware swap out and was now concentrating on getting more out of his new phone. I commented, and others agreed, that there were a lot of features on the iPhone I was not making use of, and didn’t know how to use. I suggested that we might have an in depth session on using iOS and Android mobiles as soon as possible. Ralph commented that we used to expect a standardised interface, but that it now allowed so much more personalisation. That’s great for those who are open to change, but perhaps that’s not so readily possible for those of us third agers! Sianed made a comment about Siri not recognising her voice. We offered the possibly light-hearted suggestion that she tried speaking in Welsh. We await the report back!

    Tony had (at the beginning of the meeting) given us a brief insight to his use of IT and then presented us with a problem of Word maximising on his screen (when he didn’t want it to). We all offered solutions, but in the end he found the solution himself!! He also re-enforced the suggestion to learn more about what he could do with his phone. Noted! He then described a problem he was having with the VPN installed as part of his MacAfee security suite. He asked whether it was needed. That led to a discussion on the use of VPNs, whether they were necessary or not. I expressed the view that even though I’d purchased a copy of the NordNet VPN, I was of the opinion it wasn’t really necessary for our type of use. It obviously was of value to have installed on your mobile device(s), but not really on your desktop. Even then, if you didn’t do more than web browsing and email when out’n’about, it probably wasn’t needed. It was however commented that one value of a VPN was to “spoof” your location by choosing a VPN server in a different country. You can then, for instance, view iPlayer and UK-TV when in Australia! We then had a discussion on how to uninstall MacAfee (or Norton, or Kasperski security suites) as they all seemed to leave “stuff” behind after the uninstall. I followed this up with some suggestions to members on what to do in emails. [We possibly need to cover this in a meeting as well.] Finally Tony raised an issue on the use of organising his Gmail. Members suggested a number of options, including labelling. I offered the suggestion that archiving everything and starting from scratch using Folders might be the best idea.

    John had a “flash new iPhone” that he was coming to grips with. He also expressed his views on Edge, he didn’t like it. We reminded him that there were plenty of alternatives, and for Tony’s benefit I mentioned that I’d done a review of browsers and search engines at the end of the last session.

    Stella had installed Windows 11 and all was well so far. She told us about Lebara (a Vodafone 4G service) currently available for 1p per month for a number of months and then £4.99 – sounds a good 3Gb SIM-only deal!

    Steve had also had an IT-refresh including a new iPhone 11, and noted that Chrome was quick. [Yes it can be, but it slows down if you don’t clear your cache out.] He’d invested in more iCloud storage (50Gb) – a good choice (imho). He’d got Bitwarden, and Nordstream as a VPN and wondered whether to use it (see comments above).

    Jim had a problem with his new 1Tb external SSD in that it was losing EXIF data from photos. He’d taken the advice to re-format his drive as NTFS and the problem had gone. Sorted!! He’d also had a curious problem of a laptop draining power when a USB disk had been left connected to it. The only reason for this I could suggest was that the disk was “polling” to see if the laptop was switched on.

    Renee had negotiated a new contract with VirginMedia and had saved some money (so had I just recently).

    Jenny reported that her iCloud storage had filled-up, but she had been able to increase it with the help of her daughter. She enquired how safe it was to use a mobile device in a cafe. I said completely as long as you didn’t do anything that you wouldn’t sensibly do, ie financial transactions, or anything involving sharing personal information. I also expressed the view that it was unlikely that any of us would be “targets” of anyone wanting to get our information. So generally speaking – relax!

    Sianed reminded us that the paper £20 and £50 notes were soon to be taken out of circulation, and the non-barcoded stamps would be not able to be used after January.

    I reviewed a couple of things that I had reported to the group on Signal over the summer and then went through the items that I’d put up on Flipboard. I encourage members to go and have a look at what’s been happening, particularly with the new Apple devices. I did however discuss the recent scam/fraud reported on Twitter involving Santander and a journalist. I promised to write a specific blog post on the issue, but in the short-term I suggested that members did not keep their credit/debit cards in the same wallet as their iPhone (and probably Android phone for that matter), and secondly that they investigate and implement locking their SIM to their phone. This would mean that a SIM taken out of your phone with your information on it, could not be used on another phone.

  • Notes from Zoom meeting – 4th February 2021

    A large attendance yesterday, touching nineteen as shown above. We started with this – The Blue Ball – it’s mesmerising; the digital equivalent of those steel balls that swung on a cradle on execs desks in the seventies, remember them?

    I mentioned the emojipedia which I referenced in the last notes and offered to help anyone who wanted to get onto Signal at the end of the meeting. Then it was “round the screen” to find out what members had been up to, or were having difficulties, or issues, with.

    Margaret reported on two scams, one from Lloyds Bank (spelt Lloyd) and an “internet interruption” call/text which on traceback (which David H had done having received the same one) appeared to come from Caerphilly! On a more productive note she had been able to transfer a lot of treasured photos from her old laptop – which she’d been unable to upgrade to Windows 10 unfortunately (for a number of reasons, lapsed time, lack of memory) – to their desktop. I mentioned that Linux was still a possibility to revive the old laptop, we could look at that agin when we were all together in person. She also told us about a very pleasant experience attending virtually the Destinations Travel event, and informed us about the Stanfords Travel Writer Festival and the videos from the event which finished yesterday will be online from that site.

    Owen reported that following the last meeting, he’d replaced his Powerline Adaptors with new ones and was now getting much improved wired connection speed for his study.

    Don had been decorating for the past three weeks, that is when he wasn’t standing in the garden at a safe distance from the lead gas pipe he’d fractured in a wall, thinking it was redundant!

    Jim had got himself into “trouble” with Flickr for displaying a photo of some aubergines – this caused much mirth. He reported to me today that Flickr had apologised for slapping an “unsafe” rating on the picture, and it was now visible to everyone. He had also upgraded (on his new laptop) his copies of Audacity (audio editing) and PaintShop Pro (photo editing).

    LetterA 1B2

    Marie-Christine reported she was having a problem with her version of Lightroom and Windows. I offered to raise the matter on the Lightroom Queen Forum if she told me hat version of Lightroom, and the precise version of Windows she was having problems with.

    Fred reported that a switch to Signal was not getting any traction with his friends, and that he’d had an instance of PayPal phishing to contend with.

    David H added to Margaret’s description of the “internet will crash” scam. Someone asked where you should report such scams. The preferred method would appear to your ISP, in this case Sky, but Marie-Christine reminded us of Action Fraud (0300 123 2040) – is it a scam in itself? No it’s run by the police. Other tricks are to type the phone number of a caller into a browser and you’ll get an indication from Who Called Me? or Should I answer? Of course for an email you should look carefully at the email header address and type the domain into a browser to see if it’s genuine. David also asked whether it was possible to use WiFi for making telephone calls as the O2 signal in his apartment was so bad. The answer appears to be to activate WiFi calling for Android or iOS. David also reported that he was still not having any joy with his Times subscription on his iPad although it was working on his wife’s machine. I suggested that perhaps the subscription was limited to a fixed number of devices, and that perhaps deleting it from both machines and then re-installing it in order of preferences might solves the problem. Just a thought. Finally, he mentioned the possibility of adding people to a Netflix account and that his daughter had added them to her account and he was paying her £3 a month in gratitude – this being the cost of the extended subscription. It was pointed out that there was a similar option for Spotify, and the launch of Apple One scheme just recently was very similar. [NB The Spotify Family requires address verification; I’m not sure how this works but all members have to have “the same address” – work that one out yourself.]

    Mike had nothing to report.

    Renee reported some alarm issues ; problems with her satellite TV which required a factory reset eventually as the Italian channels had changed polarity (??) and just re-tuning didn’t solve the problem.

    Stella had nothing to report.

    John told us about the problems that have dogged them since he lost a bank card and the issues of not knowing whether a request to change details for a direct debit (because it use the former 16-digit number) was a scam or not. Just a nuisance. He wondered whether there were more scams at large currently because of Covid. Not sure. He reported with some delight success in transferring a SIM from an old phone to a new iPhone XR. There were some problems initially (with O2) but these were now resolved and he was getting the service he wanted at the reduced price of the service on the old phone. My standard advice is never to buy a phone on a plan, but to always save up for “the next one” when you purchase outright a new one. Also look at the plans that are available for SIM-only, or Pay as you Go. Measure up what you can get against the ones offered by GiffGaff (running on the O2 network and owned by them), which is my personal recommendation.

    Paul had nothing to report, having been too sore to think of anything else but finding a comfortable place to sit since his accidental encounter with his loft.

    Phil told us about a Facebook page – Strange things found in walls, including a safe and a gothic arch. He also told us about his experience (relating to Jim’s Flickr episode) of the poor performance of content-filtering for schools internet when he was working.

    Ted told us about Just Watch – a really useful website that tells you which streaming service you should look on to find films, etc. He also mentioned how useful he was finding the Snipping Tool in Windows to cut-out an element from an image. I was able to say that the Screenshot Utility in MacOS did the same thing, but there were also short-key sequences for the Mac that did the same thing.

    Sianed relayed the sad story of the Smart TV that had lost its smart functionality. For many of us that’s a cause for celebration as the smart functionality decreases with the age of a set as manufacturers don’t keep their apps up-to-date. So now she is in the happy position of using possibly an Amazon Firestick, a Google Chromecast (although Paul doesn’t rate it as there appears to a lot of US-content), a Now TV dongle, a Roku device or an Apple TV. Here’s a recent review of all of the ones available in the UK.

    Finally Jenny described the National Pensioners Convention (Wales) event that she was participating in on Tuesday (9th February). You are encouraged to sign-up and take part in the webinar – I’ve circulated details by email earlier. She particularly noted the work of the Good Things Foundation and the Carnegie Trust in supporting digital inclusion activity and projects. She recommended looking at the former’s website.

    I concluded the meeting with a gallop through home networking and router configuration which is all written up in this article which builds upon earlier ones.

  • Scams

    You might want to consider signing up for the Which! Scam Service, I have …

    There are necessary steps we can all make to protect ourselves from fraud. But as they become more sophisticated, it can be difficult to know what’s genuine. We’re here to act as a source of trusted advice for those times when you’re just not sure.

    From email scams and copycat websites to nuisance calls and tax rebate scams, our guides help you to spot a scam or get money back.

    — Forum Responses —

    Here’s a nasty one, which on the surface looks OK – just remember that if you’re using Facebook Messenger, you shouldn’t need to login to Facebook again, and vice versa.

    Passwords harvested by fraudster (from Which? Scam Watch)

    remember also my advise, if you do use Fb, or FB Messenger please Logout – I know it’s a pain but there’s a distinct chance that if you don’t Fb will record all your internet comings and goings and you’ll get loads on unsolicited emails, etc.

    David Harrison May 29, 2020 6:26 pm

  • Sextortion, Have I been pwned and Password Managers

    We’ve discussed this a couple of times now this term, so I was interested in seeing it pop-up on the BBC website. Here’s the link to a short video …
    www.bbc.co.uk/news/stories-46323625
    I’ll be looking at password managers next time, but in case you can’t make it, I’ll write-up a post as well. I use LastPass, but there are others. I also pay a small amount for it so that it can be used on more than one device.

  • How much do you know about computer fraud?


    Recently in a U3A meeting we discussed Computer Fraud. We often do, or so it seems. If it’s not fraud, it’s security online, or scams and what’s done with our data … but more about that later!!!
    This short post is just to alert people to a simple, short quiz (or test) that has been produced in conjunction with the UK Government to help people recognise fraudulent activity.
    Go to this website, satisfy yourself it’s genuine and is a government backed initiative, and take the test and see how you do. According to the Daily Mail – so it must be true – only 9% of people taking the test were able to accurately recognise all the scams and false messages, that despite a claim that 80% felt that they were able to recognise a fraudulent message.
    For further guidance try this link.