Dear Ladies & Gentlemen,
1. Many advisories are coming to you on sharing your bank account and other private details. Hackers do manage to get into web sites and cause some damage to your system temporarily. It is not very difficult for some to get your personal details like your own name, names of your family members, mobile no, bank account no and other private details. But your money can not be swindled.
2. You have to understand how money can be taken away from your bank account. Once you understand that then you will be on your guard. Fraudsters use two human traits. One is trust and another is greed.
3. Trust. They gain your trust by rattling some of your personal details to make you believthat they are genuine people of your bank or some organisation like Army Group Insurance or Bank known to you. Once they give out your personal details like your name or mobile no or your bank account they gain your confidence. Someone known to you sending a mail, telling you that he is stranded in Spain or Brazil and requests you to transfer money to get out of his trouble is another example of playing on trust.
4. Greed. They exploit the greed in you by telling you that you are going to get tons of money if you pay some commission. Take the case of Army Group Insurance fraud. A guy calls you and says he is from AGI and gives you some of your personal details. You believe that caller is from AGI. Once he gains confidence then he will tell you that you have got additional insurance money and you have to pay VAT or some tarrif to get that money. He gives you account no and tells you the offer will close if you do not remit the money by today. You transfer the money from your bank account to that unknown account because your greed forced you to earn that unearned money. You have transferred the money yourself and nobody stole your money from your bank even if he has your bank account no.
5. OROP Arrears. I shall paint a simple scenario how some fraudster can gain your confidence and exploit your greed and take away your money. The conversation is going to be like this;
Caller: Sir, I am speaking to Hav Ram Singh .
You : Yes.
Caller : Sir, I am from SBI, Taran Taran main branch. Your account no with our bank is 123456789. Is it correct.
You: Yes it is correct.
Caller : We remitted Rs 50,000 as OROP arrears. Is it correct?
You: Yes it is correct.
Caller: Sir, we got information from our CPPC that due to some technical problem with their software, you were paid less arrears. Actually you should get Rs 2. 5 lakhs as OROP arrears. We have also got instructions from our CPPC to pay balance Rs 2 lakhs to you. Even PCDA (P) Allahabad wrote to us that we have to pay your arrears by today itself. But the problem is we have to deduct income tax on that Rs 2 lakhs. But we cannot deduct on our own. So we have made arrangement with Income tax department to collect your income tax through a third party. You are in 20% IT bracket. Your IT amount on Rs 2 lakhs comes to Rs 40,000. Today is the last day. Kindly remit Rs 40,000 into account no: 879456123 of PNB. Once we receive the money, we will immediately release Rs 2 lakhs. If you remit Rs 40,000 who is to be blamed? No one can take away money from your bank account. All banks have fool proof 128 bit encryption to ensure money cannot be transferred to anyone.
6. Some one from PCDA (P) Allahabad might also play this game on you.
Lessons Learnt.
1. The fraudster gained your confidence by giving out some personal information which at times bank staff or someone from that organisation themselves give out.
2. He played on your greed to get that Rs 2 lakhs which in any case you are not entitled to.
3. He exploited your ignorance of your OROP arrears.
4. You only transferred your own money. All Banks have 128 bit encryption security systems. No one can break into it even if he has your account no.
5. Do not believe any such stories of extra money coming to you like Manna from heaven. None gives you anything free. For every activity they charge money. Only TSEWA gives you free service.
6. None can steal money from you. You only will be made to part away with your money because you are greedy to get some money which does not belong to you.
7. Do not take such major actions unless you discuss your course of action with your trusted friends or relatives.
8. Do not part with any of your personal information to anyone.
Regards,
Brig CS Vidyasagar (Rtd)
9493191380
No comments:
Post a Comment