scams awareness louise baxter. about the ntsst the national scams team (nst) is a project funded by...
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Scams awareness
Louise Baxter
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About the NTSST
The National Scams Team (NST) is a project funded by the National Trading Standards Board (NTSB) and hosted by East Sussex Trading Standards Service
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Aims of the NTSST
IDENTIFY victims of Fraud
PREVENT victims from further victimisation
INVESTIGATE criminal activity
EDUCATE Local Authorities and other agencies on how to work with scam victims
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Scams
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Scams can be defined as:an illegal plan for making money, especially one
that involves tricking people Cambridge dictionary
a stratagem for gain; a swindleCollins dictionary
a trick, a ruse; a swindle, a racketOxford English dictionary
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“Mass Marketing Fraud (scams) is a type of fraud which aims to make victims part
with their money by promising cash, prizes, services and high returns on
investment”
SFO (Serious Fraud Office)
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To get victims hooked and responding to
scams, criminals rely on…
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1) The fact that it doesn’t take much time to respond
2) The fact that it doesn’t need vast amounts of money to get started
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Just a trickle of money, ten pounds
here, five pounds there…
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Anyone can be a scam victimYour mum or dad
Your grandparentsYour brother or sister
Your friendsYour neighbour
Or even the person sitting right next to you!
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This problem is growingA 2015 Which? survey found that 54% of respondents have been personally exposed to a scam in the last 2 years,
or have a friend or family member who has
This is only going to get worse
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Once a victim has responded to an initial
scam…
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…their personal details are added to a “Suckers” list…
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…these “Suckers” lists are perpetually shared
and sold on to other scammers…
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…who will repeatedly target the victim with scam mail,
multiple phone calls, and will even send somebody to
knock on their door…
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…in order to con, mislead, intimidate…
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…and bully the victim into parting with their
life savings.
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The victims get caught in a trap; a cycle of
victimisation.
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Ultimately, the scam victim
SUFFERS IN SILENCE.
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Everyday, people get caught out by scams
such as…
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Lottery & Prize drawsPhishing
1
Investment
Direct transfers1
Pensions
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Leading to situations like these…
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Leading to situations like these…
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One victim was found to have been receiving 30 bits of mail and 10
phone calls per day
It was later discovered she had lost over £1 Million
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The National Trading Standards Scams Team
estimates a loss of between £5 – 10 BILLION to Mass
Marketing Fraud every year…
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…not to mention the cost of looking after people who give
away their life savings to these criminals.
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Sadly, these victims are not going to win a foreign lottery
or receive the millions of pounds that are “waiting” for
them…
(For a small fee)
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…instead, they will be repeatedly targeted...
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…and the victimisation will only stop when...
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…the victim runs out of money, someone intervenes, or the
victim passes away.
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As you can see…
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…the problem is massive…
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…but that’s why the National Trading Standards Scams Team
exists.
To give a voice to those “silent” victims
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• The NTSST has approached over 200 Local Authority Trading Standards Services nationally
• The NTSST works in partnership with Local Authorities to support these silent victims of fraud
• 75% of Local Authorities have signed up to the project and are supporting local victims.
What do the NTSST do?
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• 200,000 potential victims and increasing weekly • 13 suckers lists • 33 national partners who send referrals
What do the NTSST do?
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• £15,950,720 Estimated Detriment to consumers • £1,076 Estimated per victim
• £9,480,483 Estimated Savings to consumers as result of intervention
• £640 Estimated per victim
Identifying victims
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Scam victims are only human• They could be going through a period of vulnerability
• They want to provide a financial gift to their family
• They are lonely or bored and want something to do during the day
• They are recently widowed or inexperienced in dealing with financial matters
• They are in financial hardship
• They respond impulsively
• They feel pressured to respond
• Through habit or a dislike of change
• They believe they have won
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Scammers are clever• Scam mail looks genuine• High value rewards offered• Exploitation of human wants and needs• Personalisation of scams• False timescales• Participants active engagement• Secrecy
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• The NTSST project has revealed scam victims as young as 19 years old
• However, the average age of victims is around 75 years old
Scam victims are NOT always old
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Scammers target the elderly. Why?• Have access to their own funds and sometimes substantial disposable
income• Live alone• Have few or no visitors so often spend the day at home• Are trusting of peoples motives• Own a landline telephone• Have physical or mental health problems• Suffer from a cognitive impairment such as a form of dementia like
Alzheimer’s disease
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If you identify a victim what do you currently do?
What can you do to help?
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1. Scam victims are only human2. Scam victims are NOT always motivated by financial gain3. Anyone can be a scam victim, regardless of age, gender,
education or economic background4. Scammers are extremely clever 5. Scammers will use any means possible to obtain your
personal details or steal your money
5 key points about scams