Choose one of the most popular scam categories and learn how to identify them and deal with them.
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as law enforcement
You know about phone scams and therefore you are already very suspicious of unexpected calls, right? However, the officer introduced himself by name and surname, claimed to be from the police, the Financial Crimes Investigation Service (FCIS), the Special Investigation Service (SIS) or a similar institution? You do not publish your details anywhere, so the law enforcement officer MUST have got your number from someone important to you, right? Or maybe they are telling you that they have received information that suspicious transfers being made from an account belonging to you? Remember that in the event of an emergency, officers can only inform you and ask you to clarify the details.
You met someone online and can correspond all day? Everything just looks perfect? Really? It is great if that is your success story. But always bear in mind that showering you with attention may be a very well thought-out act. Scammers use reminders about their "clients", track their important personal details and have schedules of when it is time to write again. For you, it is a flirtation and an after-work respite; for them, it is a strategic action plan drawn up in consultation with psychologists. Although women are thought to be the main target of romantic scammers, men are increasingly falling victim too.
Scams posing as a bank
Is the bank asking you to update your data? Or maybe there is a system glitch and a helpful member of staff wants to help – all you need to do is give them your login details and they will do it for you? Beware, as no employee of a bank, social security fund or any other institution or organisation can ask you for your login data. If this is the case, you may have encountered a financial scam.
You got an unexpected phone call or email from the head of your workplace? Is it strange that the call comes after working hours? Be careful! If you are asked to make an urgent payment transaction, change supplier details and disregard internal company procedures, you are probably dealing with a financial scammer.
Bogus business partners
A call or email comes from a new employee with a partner company – it is their first week at work and the poor guy has messed up account numbers? You remember your own start in a new job long ago, so you decide to be friendly, help out and change the account details as requested? Or perhaps the new supplier's accountant is very strict and pressing you to pay the invoice and fix mistakes in it? Be careful - new employees, "forgotten" invoices and other urgent changes can be a trap set up by scammers.
Fake investment brokers
You have to risk it for the buiscuit, right? Have you been offered a "once-in-a-lifetime" chance to invest and make money? It is not some inheritance from an Arab sheikh, so it cannot be a scam, right? Beware, scammers not only have new operating principles but also fake websites, realistic-looking documents and fake certificates.
It is worth to be start worrying if:
Found an expensive item at an unbelievable price online? This is likely to be another form of scam. If you do decide to take the chance, have a separate card for online shopping. Only top up your account before you make the payment and only as much as you need to buy a specific product or service.
Are you buying or selling second-hand goods or clothing online? Beware of scammers operating on Skelbiu.lt, Vinted and similar platforms. When selling or buying, they provide links to a supposed parcel service where you are asked to enter your payment card details, internet banking details, account balance or other confidential data. This information is definitely not meant for a smooth transaction. The dimensions, condition and delivery address of the item you are selling are sufficient for this.
Not buying, but selling, so you feel safe, right? Be careful when catering to your customers' whims. A potential buyer is asking via SMS or chat app if they can pay via a courier service? It may be that they are not seeking convenience, but to make money. Do not take the bait and give your payment card details – the only information you need to give to get paid for the purchase is the seller's account number.
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