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Are you fraud aware? Learn how to spot the warning signs of a scam before it's too late.

Do you know the key warning signs to spotting fraud?

 

In today’s hi-tech world, it can be easy to feel overwhelmed with the amount of information we are bombarded with every day. Here at Leek United we are supporting the UK Finance’s Take Five to Stop Fraud campaign, which is also backed by Her Majesty’s Government, to help improve customer awareness in relation to fraud.

Never give out sensitive information

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Don’t assume it’s genuine

Don’t assume it’s genuine

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Don’t move money just because someone asks you to

Don’t move money just because you feel rushed

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Banks, building societies and other trusted organisations will never ask you for your PIN or full banking password in an email, text message or phone call. If someone you don’t know contacts you out of the blue to ask for sensitive information, there is a good chance it’s a scam – no matter how plausible the message seems. Never reveal your financial or personal details to someone unless you are 100% sure who they are. If in doubt, say no.

Just because someone knows some basic details about you, such as your name, address and information about your family, it doesn’t mean they are genuine. This kind of information is easy to obtain if you know where to look. Fraudsters may pretend to be helping you, for example, by saying you’ve been a victim of fraud. They can disguise their phone number to make it appear to be from a trusted source. These are some of the ways they get you to reveal your security details and gain access to your accounts.

A legitimate bank or building society will never ask you to make a financial transaction on the spot, such as moving money to a ‘safe’ account. Take your time and think through what you are being asked to do, don’t be put under pressure.

Trust your instincts

Trust your instincts

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Don’t believe what they are telling you

Don’t believe what they are telling you

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Take 5 to stop fraud

Take 5 to stop fraud

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Always take time to question anything you’re being asked to do with your account or other sensitive information. If something feels wrong, even if you can’t quite put your finger on it, it probably is. There’s no need to be embarrassed about saying no. It’s perfectly fine to end a conversation if you no longer feel comfortable – a legitimate bank or building society will& understand. You can always call them back on a number you trust, whether off previous correspondence, a business card or their website.

A legitimate bank or building society will never call to tell you another financial institution is experiencing difficulty and request you act immediately. Remember, your funds are covered by the Financial Services Compensation Scheme (FSCS) in the event of a firm failing.

You can find out more about identity fraud and what you can do to protect yourself from the following websites:

www.actionfraud.police.uk - the UKs national fraud and internet crime reporting centre.
 

www.takefive-stopfraud.org.uk - Take Five is a national campaign that offers straight-forward and impartial advice to help everyone protect themselves from preventable financial fraud.

Common methods of scamming

 

If you believe you’ve fallen for a scam, contact your bank immediately on a number you know to be correct, such as the one listed on your statement, their website or on the back of your debit or credit card.

Report it to Action Fraud on 0300 123 2040 or via actionfraud.police.uk. If you are in Scotland, please report to Police Scotland directly by calling 101 or Advice Direct Scotland on 0808 800 9060.

Your Leek United accounts

At Leek United, we understand that it is our responsibility to ensure that all of our customers’ personal and financial details are kept secure and private. We hope you find the following helpful ideas useful to enable you to do the same at home.

  • Report any lost or stolen passbooks to us immediately on 0800 093 0002 or call into any branch so that we can take the necessary steps to protect your account.
     
  • When Leek United calls any customer, we verify that we are talking to the correct person by asking them security questions.
     
  • If you wish to check the call is genuine, ask the caller whether they are from our Customer Service Centre or one of our branches and call them back using a telephone number you know is correct. All our telephone numbers and contact details for our branches can be found here or you can call our Customer Service Centre on 0800 093 0004.
     
  • Regularly check your passbooks for any suspicious or unrecognised transactions.​​
     
  • Always tell us if you change your name, address, telephone number or email address as soon as possible, so that we can ensure our records are kept up to date. We may need to contact you urgently if we have a concern about a transaction on your account.
     
  • Never include your full personal details in an email to us or anyone else.

useful information, help and guidance

Useful information

Support for new members or existing members. Information on our application forms, fees and charges, interest rates, the FSCS and FAQs.

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Financial Services Compensation Scheme

Financial Services Compensation Scheme

The FSCS can pay compensation to depositors if a building society is unable to meet its financial obligations.

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