New scam support sheds light on psychological methods used by online criminals | #romancescams


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The feeling of falling victim to a scam can be devastating for the individual and their families and that’s before any material losses.

Lockdowns have seen a drastic rise in the number of ways online criminals are targeting everyday people and as soon as one gets reported another scam is unleashed.

Whether it’s TV licence scams, fraudulent post office texts or Twitter romances gone bad, each attempt is more sophisticated than the last.

This has triggered a ScamSmart campaign that encourages people to do their research before handing over any cash – and report frauds and suspicious firms.

And a part of that campaign is offering insight into the physiological tactics used by criminals to manipulate us into parting with our money.

Online dating scams have cost victims nearly £8,000 each during lockdown

Psychologist Dr Linda Papadopoulos is supporting ScamSmart and has developed a series of helpful answers to challenging questions.

People should also check the status of a firm by visiting the FCA register ( register.fca.org.uk/s/ ) before making any financial decision.

What tactics do fraudsters use to manipulate their victims?

We often think of criminals as threatening, but fraudsters may use subtle tactics to make us believe they’re on our side and helping us.

“We’re much more prone to respond to a friendly voice, that doesn’t feel threatening, and of course this is much easier to do when it’s not face-to-face,” says Papadopoulos.

Criminals will also use people’s inclinations to respond positively to an authority figure.

They may pretend to be from government agencies or banks and other finance companies.

Papadopoulos says scammers may also use symbols within communications, such as a coat of arms, to generate trust.

They may use particular language – such as ‘special deal’ – to make something appear to be an unmissable opportunity.

“They stir up positive emotions by mentioning things that we’re prone to like – large sums of money, or miracle cures for all your ills,” adds Papadopoulos.

“They try to get the potential victim to like them.

“In addition, scammers will flatter people, for example by telling them: ‘You’re really smart, you understand finance, most people wouldn’t get this’.”

Another tactic is to encourage victims to commit to something small – and use this as a hinge to extract more information.

“Initially, I might say to you: ‘There are so many fraudsters out there, you just give me your first name’. Then that feels safe, and then after that I can build on that,” says Papadopoulos.

How do criminals build up their ‘bond’?

Criminals can be good listeners, who appear to empathise and may use the difficulties people have faced during the pandemic.

Papadopoulos explains: “During Covid, you’ve had people who are feeling very lonely, so it’s that friendly voice calling, saying: ‘It’s tough right? I know, it’s been tough for me as well, having to work from home, so I’m calling trying to help people with their pension’.

“If someone is trying to empathise with you, that doesn’t sound threatening.”

With romance scams, fraudsters often offer up “sob stories” for needing money urgently, which can make victims believe they have a real connection.

Papadopoulos says the connection is strengthened through that empathy.

She added: “Once it begins, putting the brakes on is a lot harder – and scammers know this.”

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How do fraudsters make people behave out of character?

Pressuring people to act on impulse is a key tactic.

Whether it’s making a ‘limited time offer’ or a call pretending to be from the fraud department of a bank, they encourage people to do something they wouldn’t normally do.

Papadopoulos says: “They tell people, ‘I’m here to help but you have to act now.’

“They use impulsivity so you are not going to question it.”

How can the context when someone is approached make a difference?

The FCA found pension holders could be nine times more likely to accept advice from someone online than they would be from a stranger they met in person.

“Context is key,” explains Papadopoulos.

“What do I feel when I’m in my home? I feel safe. All of the visual cues are things that are familiar. So when speaking over the phone or online, all the things that would normally get my defences up, are not there.”

How else might people behave in a way that helps scammers?

Over-confidence about being able to spot a scam can trip people up and make them less likely to do their research.

The FCA found despite more than two-thirds of pension holders claiming they were confident they could spot a potential pensions scam, only around a quarter realised a ‘free pension review’ was a sign of a scam. Just 40% knew to be wary of opportunities to transfer your pension.

People may also want to be polite, but Papadopoulos says it’s “100%” fine to terminate conversations if you aren’t sure who you’re dealing with.

“If they’re rushing you, that should raise huge alarm bells,” she stresses.

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