Is it really your bank calling?

Sadly we know that one of the most common crimes that we can all be vulnerable to is fraud. It can take many forms but impersonation of your bank, a government agency or even the police is a tactic that many criminals will use.

If you receive a suspicious call, independently contact your bank or the relevant agency using an official telephone number – do not use numbers given to you by the cold caller. But who has the time to dig out and verify a number for your bank?

That’s why the 159 service was created. If you get a call from someone claiming to be your bank you can simply call 159 and you’ll be put through to an automated service which can put you through directly. The system is supported by most of the major banks.

The idea is to give one trusted number that the public know they can call safely in order to be put through directly to their bank.

In some cases however, fraudsters will try to keep the line open, so that when you call back, you’re actually talking to the fraudsters again.

The best way to avoid that is to wait for 15 minutes, to ensure the line is clear, or call from another phone if you have one available. Then simply call 159 to be put through directly to your bank.

NEVER disclose any personal or sensitive information over the telephone.

Whilst fraud is one of the biggest risks to us all from criminals it is also one of the most easily prevented crimes. A dose of healthy scepticism goes a long way, and always be cautious with unsolicited calls, emails and texts.

If in doubt, take a moment, do not be pressured into sharing information or handing over money. Check with someone else if you’re suspicious.