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Are you being scammed?

Every year 1 in 20 Australians fall victim to scams and personal fraud. Scams come from many sources – they may originate from unsolicited telephone calls or emails or may be in response to an advertisement you have placed in a newspaper or online.

When it comes to testing whether or not something is a scam the old adage “if it’s too good to be true, it probably is” certainly applies. However, whether something is a scam is not always that obvious.

Therefore in order to protect yourself from scams, remember the following 10 ‘golden rules’:

  1. If it looks too good to be true – it probably is;
  2. Use your common sense: the offer may be a scam;
  3. ALWAYS get independent advice if an offer involves significant money, time or commitment;
  4. Remember there are no get-rich-quick schemes: the only people who make money are the scammers;
  5. Do not agree to offers or deals straight away: tell the person that you are not interested or that you want to get some independent advice before making a decision;
  6. You can contact your local office of fair trading, ASIC or the ACCC for assistance;
  7. NEVER send money or give your debit card, credit card or online account details to anyone you do not know and trust;
  8. Check your account and credit card Statements when you get them. If you see a transaction you cannot explain, report it to us immediately on 13 _5 85;
  9. Do not agree to offers or deals straight away: tell the person that you are not interested or that you want to get some independent advice before making a decision;
  10. You can contact your local office of fair trading, ASIC or the ACCC for assistance;
  11. NEVER send money or give your debit card, credit card or online account details to anyone you do not know and trust;
  12. Check your account and credit card Statements when you get them. If you see a transaction you cannot explain, report it to your financial provider.

Further information on scams and how to protect yourself, including a free email alert service, is available on the Government’s website SCAMWatch

Sources:

ASIC’s MoneySmart

ACCC’s SCAMWatch

^Sharon – Financial Crimes Analyst



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