Title: What do the people of Scotland really think about fraud?
Question: Who’s the most at risk of fraud?
Responder: Older female with glasses and curly hair.
“The elderly.”
Responder: Male with beard and grey hooded top.
“Maybe like elderly folk.”
Responder: Young male with black sports top and glasses.
“I think older people.”
[It’s actually people aged 25-34 who are most likely to be scammed*. But anyone can get caught out.]
[2 out of 3 people who report fraud to us are 44 or younger*.]
[*Fraud reported to Lloyds Banking Group between January 2022 and July 2023.]
Question: Can you trust a seller online?
Responder: Young female with cream jumper and earphones.
“You need to check to see if they've got a feed, see how many friends they've got.”
[A seller may be recommended, have good reviews, pictures and followers. But it could all be fake.]
[A genuine seller won't rush you or try to get you to pay by bank transfer.]
Question: If you’re buying something online, would you pay by bank transfer?
Responder: Male with beard and grey hooded top.
“Yeah, very rarely I try not just to use bank transfer, I'll always try another alternative, you know, just so that it is safe.”
[Money paid to a fraudster by bank transfer will be moved out of the account straight away. So it's almost impossible to get back.]
[The safest way to pay is by credit or debit card.]
Question: Is it really your bank calling?
Responder: Pair of young males in sports clothing.
“Like, they'll just sound, completely unprofessional.”
Responder: Young male with tattoos.
“I would know straightaway. If it sounds like it’s one of those kind of telemarketing scams, I’d be able to tell.”
Responder: Pair of young males in sports clothing.
“First of all I’d try to go through a lot of security measures and ask them details about myself that I believe only the bank would know.”
[Fraudsters use your personal information to convince you they’re calling from your bank.]
Responder: Male with beard and grey hooded top.
“So I get, I'm with the Bank of Scotland and they always send me, like, you know, emails to say, like, we will never ask this information and we will not do this, and your bank will never call to tell you to move your money to another account. If, I don't believe it is the bank, I just hang up.”
[We will never call to tell you to move your money to another account.]
Question: Could you spot a scam email or text?
Responder: Older female with glasses and curly hair.
“Well, very often when it is a scam, the spelling will be wrong. And you can tell right off.”
[A scam email or text isn’t as easy to spot as you’d think. Fraudsters send messages pretending to be a company you know to get you to click on a link.]
Responder: Older male with glasses in beige shirt.
“Sometimes I don't think and I press something that I see that could be a scam.”
[Always be suspicious if you get a message out of the blue that wants you to click a link.]
Question: How many people in the UK are scammed each year?
Responder: Pair of young males in sports clothing.
“Roughly about three hundred thousand I’d guess.”
Responder: Pair of young females with jackets.
“I'd say like hundreds of thousands”
[Over a million people get scammed each year and this number keeps going up.]
[Let’s work together to stop the scammers.]
[Explore the Bank of Scotland Fraud Hub for more tips.]
