How to spot a Phishing Email

Recently a leading UK bank announced that it will not refund it’s customers if they had inadvertently provided a third party with their confidential bank details – whether by email etc doesn’t matter. This will obviously lead to other banks following suit very soon.

Currently all UK consumers are covered under the Banking Code for phishing fraud (in the US, no changes here are currently planned), but this is expected to change in March of 2008. The banks believe they can do no more…. well.. let me tell you… I can help you all! it’s not difficult to stop the crime called ‘phishing’. Come to and we will help you! No catches… for now….anyway…

Read on…………………….

How many of you click on emails from your bank?

From research we conducted recently suggested 1 in 4!! Yes – that’s right 1 in 4 of individuals in the UK alone click on a link in an email from you bank and provide your confidential details.
Some simple facts for all you individuals who bank online:

FACT 1: Banks NEVER send you emails and certainly never emails asking you to log on to your account!
FACT 2: NEVER click on an email from your bank, building society or credit card company!
FACT 3: ALWAYS type in your bank address into Internet Explorer

You might receive an email as follows:

1. A good example is the one above – this one clearly highlights how easy it is to convince someone that the mail is authentic. In fact the link is the same as the one used by Abbey. So what is different? Well to individuals – nothing – however, open the source code in the email and you will see it takes you away from the actual bank address – REMEMBER – it is not

2. Other emails may inform you to log onto your bank account for service updates or maybe inform you that some money has been deposited into your account. Delete….Delete…Delete!

What if you are a victim of this type of scam?

If you end up clicking on a link and have accidently provided your details, inform your bank straight away. They can block all transactions on your account and stop any direct transfers from being setup. If this is done you will not lose money. The bank will then send you new login details in the post – but remember they would never send this information my email!

You have been warned!

Remember FACTS 1, 2 & 3 when you are using your email and using the Internet. These THREE facts alone will save you financial loss, personal and family stress and a whole lot of agro!
In the future banks will charge us an insurance to use ATM’s (cash machines) and worst of all , if you lose your money – that’s it… it’s gone!
Bank accounts are our life blood – they are used to pay our bills, mortgage and buy food and more… don’t let someone else leave you with nothing!

You have been warned!

Take care folks, Julian, Mr IDTP
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