Holiday Scams: Protecting Yourself (As Seen on Channel 5)

The Problem: Holiday Accommodation Scams

These scams often involve fraudulent listings on online platforms. Scammers may:

• Impersonate legitimate businesses: Copying logos and information from real companies.
• Create fake listings: Using stolen photos of properties that don't exist or aren't available for rent.
• Demand upfront payments: Often via methods that are difficult to trace, like bank transfers or cryptocurrency.

How to Use the Tools to Protect Yourself:

1. I-PRAC (International Property Rental Approval Certification):
• Check for I-PRAC certification: If a property or agency claims to be I-PRAC certified, verify this on the I-PRAC website. This provides a level of assurance that the business has undergone some verification. However, remember that no system is foolproof, and scammers might falsely claim certification.
2. CRM (Customer Relationship Management - from the business's perspective):
• This is less directly useful for you as a consumer. However, if you are contacting a larger agency, a lack of organised communication (e.g., slow responses, inconsistent information) might be a red flag. Legitimate businesses typically use CRM systems to manage inquiries effectively.
3. FOS (Financial Ombudsman Service):
• The FOS is a resource for after you've been scammed, if the scam involved a regulated financial service (like a bank transfer facilitated by a UK bank). They can't prevent scams but can help resolve disputes with financial institutions.
4. Google Lens (Reverse Image Search): This is your most powerful tool for proactive verification:
• Screenshot the property photos: Take screenshots of the photos used in the listing.
• Perform reverse image searches: Use Google Lens (as described in my previous response) to search for those images.
• Look for matches:
• Multiple websites with the same photos but different listings: This is a strong indicator of a scam. The same property is being advertised in multiple locations with different contact details, which is highly suspicious.
• Matches to stock photos or unrelated websites: This suggests the photos were stolen and the property doesn't exist as advertised.
• Matches to legitimate property listings on other platforms (e.g., reputable estate agent websites): This could indicate the scammer has copied the listing from a legitimate source.

Putting It All Together (Channel 5 Scenario):

If, as shown on Channel 5, you're looking at a holiday let in the UK:

• Start with Google Lens: Immediately perform reverse image searches on the property photos. This is the quickest way to identify potential red flags.
• Check for I-PRAC: If the listing claims I-PRAC certification, verify it.
• Be wary of payment methods: Avoid paying by bank transfer or cryptocurrency unless you are absolutely certain of the legitimacy of the agency. Credit card payments offer greater protection.
• If scammed, report it: Report the scam to Action Fraud (the UK's national reporting centre for fraud and cybercrime) and contact your bank if any financial transactions were involved. Then, if the scam involved a regulated financial service, you might be able to escalate to the FOS.

By combining these methods, you can significantly reduce your risk of falling victim to holiday accommodation scams. Remember, if something seems too good to be true, it probably is.

Source: https://www.channel5.com/show/holiday-scams-don-t-get-caught-out (as shown on ch5, 19 Jan 2025, 7pm) (Available Until: 19 December 2026)

More information:

Chargeback OR Credit Card s75 refund rights - Which? and Citizen Advice

https://www.atol.org/holiday-fraud/

Scams: Don't Get Caught Out (CH5)

How hackers can access your accounts

We spoke to Adam, a victim of a hacking scam, who had his Apple ID stolen. Three years and a court case later, he's still no closer to recovering his account.

A scam email opened the door to hackers who stole the account, including three terabytes of Adam's personal data. Find out how this type of scam works and how to spot the warning signs that you've been hacked.

How to spot a hacking scam

Source: Which? (15 Jan 2025)

6 things I would never do as a data expert

Clicking a button, logging into a website and placing an shopping order are all examples of when you share your data online. And while this isn't inherently bad, it can leave you vulnerable to scams if you're not careful.

Find out the six things our scams expert Tali Ramsey will never do with her personal data to help her stay ahead of the fraudsters.

What not to do

Source: Which? (13 Jan 2025)

HMRC scam warning

The self assessment tax return deadline is approaching, which means an increase in HM Revenue and Customs (HMRC) scams attempting to gain access to your bank account or personal details.

HMRC will never ask for your bank account details or personal information, so if you get a suspicious call, text or email, find out what you should do next.

If you need help with a tax return or any other money matters, you can get unlimited 1:1 guidance over the phone from experts you can trust with a Which? Money membership. Find out what a membership could offer you.

Avoid falling victim to tax scams

Source: Which? (15 Jan 2025)

Heads Up! Phishing Scam Alert: Fake Royal Mail Parcel Notification Text

Have you received a text message like this lately?

Royal Mail Parcel Notification

Dear Customer,

We regret to inform you that your Royal Mail parcel cannot be delivered due to missing or damaged address information. To ensure prompt delivery, please update your details by following the link below:

https://ah-updatet.top/uk [link removed - DO NOT CLICK - THIS IS A SCAM]

Instructions: Reply with Y to this message. Exit and reopen the message, or copy and paste the link into your browser. Please update your information within 12 hours to avoid further delays.

Thank you for your cooperation.

Best regards, Royal Mail Customer Service

Don't be fooled! This is a phishing scam!

Here's why you shouldn't click the link or reply:

• Missing or damaged address information: Royal Mail will usually leave a "grey card" at your door if they can't deliver a parcel due to an address issue. They won't ask you to update information via text message.
• Suspicious Link: The website address ("https://ah-updatet.top/uk") is not a legitimate Royal Mail website. Clicking it could lead to a fake website designed to steal your personal and financial information.
• Urgency and Pressure: Scammers often create a sense of urgency to pressure you into acting without thinking. Don't rush into anything!

How to Stay Safe:

• Don't click the link or reply to the message.
• Forward the suspicious text message to reportascam@royalmail.com. This helps Royal Mail track and report phishing attempts.
• You can also report the scam to Action Fraud at actionfraud.police.uk or by calling 0300 123 2040.

Here are some additional tips for spotting phishing scams:

• Check the sender: Phishing messages often come from unknown numbers or email addresses that don't look legitimate.
• Generic greetings: Scammers often use generic greetings like "Dear Customer" instead of your name.
• Requests for personal information: Royal Mail (or any legitimate company) will never ask for your personal information via text message.

If you're unsure about the legitimacy of a message, it's always best to err on the side of caution and not click any links. You can contact Royal Mail directly using their official website (https://www.royalmail.com/) or by phone to check on the status of a parcel.

By staying vigilant and sharing this information, we can help protect ourselves and others from these phishing scams. Let's keep our online information safe!

https://stopthinkfraud.campaign.gov.uk/reporting-fraud/#how-to-report-suspicious-activity

Visiting Reporting on this blog https://tr.ee/855wMBjF5Z

Phishing Scam Alert

Holidaymakers Beware: Phishing Emails Targeting Booking.com Users

Action Fraud warns of a rise in scams targeting holidaymakers who use Booking.com. Between June 2023 and September 2024, over 500 people reported losing a staggering £370,000 to these fraudulent schemes.

Here's how the scam works:

Hackers target hotels and accommodation providers, taking over their Booking.com accounts through phishing attacks. Once in control, these criminals send messages and emails to unsuspecting customers through the platform, often appearing as legitimate communication from the hotel itself.

These messages typically request urgent payments or credit card details, often citing made-up reasons like booking confirmation issues.

How to Protect Yourself:

• Be wary of unexpected requests: No legitimate Booking.com transaction will ever require credit card details via email, phone or text (including WhatsApp).
• Verify communication: If a hotel you booked with on Booking.com reaches out for payment information, always double-check the sender's details before responding. Contact the hotel directly through Booking.com's messaging system to confirm.
• Don't be pressured: Urgent payment requests, especially about booking cancellations, are a red flag. Contact Booking.com customer service through their official website or app to verify any suspicious communication.
• Double-check details: Any discrepancies between the message and your original booking confirmation should raise suspicion. Verify with Booking.com before proceeding.
• Links and attachments? Proceed with caution: Treat messages with links or requests to download files with suspicion. If unsure, contact Booking.com directly, not using any details provided in the suspicious message.

What to do if you suspect a scam:

• Report it! Forward suspicious emails to report@phishing.gov.uk and text messages to 7726.
• Stay informed: Visit Booking.com's "Safety Tips for Travellers" for more information: https://www.booking.com/trust_and_safety/travellers.html
• Report fraud: If you've lost money or provided financial information, contact your bank immediately and report it to Action Fraud: https://www.actionfraud.police.uk/

Remember: By staying vigilant and following these tips, you can protect yourself from becoming a victim of these holiday booking scams. Enjoy your travels!

Source: Action Fraud (10-01-2025) for further details and advice.

Action Fraud Scam warning

Working with You, Together, for a Safer, Friendlier Bexley

Building a Better Bexley - Together

Do you dream of a Bexley that's even safer and more welcoming for everyone? We do too! That's why the Bexley Council and the Bexley Borough Neighbourhood Watch Association (BBNWA) are joining hands to make it a reality.

Your Voice Matters

We believe the best way to achieve a safer, friendlier Bexley is by working together. Your concerns, ideas, and experiences are invaluable. Through the BBNWA's link tree (https://linktr.ee/bbnwa), you can:

• Report non-emergency issues: Let the council know about things like broken streetlights, graffiti, or abandoned vehicles.
• Sign up for crime alerts: Stay informed about local incidents and receive safety tips directly from the police.
• Connect with your Neighbourhood Watch: Find out about local initiatives and events happening in your area.
• Share your thoughts: We want to hear your ideas on how to make Bexley a better place. The link tree provides ways to get in touch and share your feedback.

Working with Our Local Safer Neighbourhood Teams

We also work closely with our local Safer Neighbourhood Teams (SNTs). These dedicated police officers and PCSOs are committed to addressing local concerns and building stronger community relationships. You can connect with your local SNT through the BBNWA link tree to:

• Raise specific concerns about crime or anti-social behaviour in your area.
• Attend local meetings and have your say.
• Get advice and support on crime prevention.

Beyond Reporting: Crime Prevention Tips, Latest Scams, and Looking Out for Our Neighbours

The BBNWA and our SNTs are committed to providing you with the latest information on crime prevention, emerging scams, and promoting community well-being. Here are some key tips:

Crime Prevention Tips:

• Home Security: Ensure your doors and windows are securely locked. Consider installing a burglar alarm and security lighting. Keep valuables out of sight.
• Online Safety: Be wary of phishing emails and suspicious links. Use strong passwords and keep your software up to date. Be cautious about sharing personal information online.
• Vehicle Security: Lock your vehicle and remove valuables. Park in well-lit areas. Consider using a steering wheel lock.
• Personal Safety: Be aware of your surroundings when out and about. Avoid walking alone in dark or isolated areas. Carry a personal alarm if you feel vulnerable.

Latest Scams:

Scammers are constantly developing new tactics. Stay vigilant and be aware of these common scams:

• Phishing emails/texts: These often mimic legitimate organisations like banks or government agencies. Never click on links or provide personal information unless you are certain of the sender's identity.
• Investment scams: Be wary of unsolicited investment offers promising high returns. If it sounds too good to be true, it probably is.
• Romance scams: Be cautious of people you meet online who quickly express strong feelings for you. They may try to trick you into sending them money.
• Doorstep scams: Be wary of unexpected callers offering services or trying to sell you something. Never feel pressured to make a purchase on the spot.

Looking Out for Our Neighbours, Especially the Elderly:

It's crucial to look out for our neighbours, especially those who are elderly or live alone. This is particularly important during periods of cold weather. Here are some ways you can help:

• Regular Check-ins: Pop round for a chat or give them a call to make sure they are okay.
• Offer Practical Assistance: Offer to pick up groceries, prescriptions, or run other errands.
• Ensure They Are Warm: Check they have adequate heating and are keeping warm. Offer to help with tasks like clearing snow or ice from their pathways.
• Be Aware of Changes: Be observant for any changes in their behaviour or routine that could indicate a problem.
• During Cold Weather: Pay extra attention during cold snaps. Ensure they have sufficient heating and warm clothing. Offer to help with tasks that might be difficult in icy conditions.

How and Where to Report:

• Emergencies: In an emergency (e.g., a crime in progress), call 999 immediately.
• Non-emergencies: For non-emergency incidents, you can report online via the Metropolitan Police website (accessible via the BBNWA link tree) or call 101.
• Action Fraud: To report fraud or cybercrime, contact Action Fraud online or by calling 0300 123 2040.
• BBNWA and SNTs: You can also report concerns and seek advice through the BBNWA link tree and by contacting your local Safer Neighbourhood Team.

Let's Make a Difference

By working together – the council, BBNWA, SNTs, and you – we can create a Bexley where everyone feels safe, supported, and at ease.

Here's what you can do:

• Visit the BBNWA link tree (https://linktr.ee/bbnwa) today!
• Become a member of your local Neighbourhood Watch.
• Talk to your neighbours and encourage them to get involved.
• Report any suspicious activity to the police.
• Be a good neighbour: Look out for each other and create a positive community spirit.

Together, we can build a safer, friendlier Bexley for all.