During March I idiotically fell victim to a Royal Mail scam which has taken off during lockdown with the increase in online shopping. I received a text message saying that Royal Mail had attempted to deliver a parcel and that I needed to pay a small redelivery fee. I had just ordered a Mother’s Day Gift so I didn’t think much of it and followed the link. I was taken to a website which looked like Royal Mail, but rather than asking for card details it redirected me to my internet banking login page. Stupidly I popped my details in not stopping to question it, but then the site crashed and I gave up, resolving to come back to it later.
The following day during work I received a phone call from someone claiming to be from the Lloyds fraud prevention team saying that there had been some suspicious activity in my account including ATM withdrawals and online gambling. He asked whether I had shared my personal/banking information with anyone recently and it dawned on me…the Royal Mail text!! I had entered my card details to try and pay the redelivery fee. I logged onto my internet banking and couldn’t see anything suspicious, but was informed that the bank had blocked these transactions as they seemed out of character for this account. I was also told that credit checks had been run on my account which indicated that someone could be getting ready to use credit/take out a loan in my name (when I look back I could kick myself for not being more suspicious about this but in the moment you’re just panicked about your money and personal information being insecure).
Long story short, the fraudster on the phone informed me that my security had been breached and that we would need to set up a new account. This was all done in quite a sophisticated way with official emails and links being sent which outlined the steps that needed to be taken. I ended up transferring approximately £3000 in savings and my current account balance :( I have tried to recoup this through the bank but I don’t really have a leg to stand on as I transferred the money myself via my internet banking app.
I’m frustrated and heartbroken to have lost this much money through my own naivety. I am a mental health worker in London and have been trying to get a deposit together to buy one day (in the very distant future). It kills me thinking that I’m now back at square one and I resent the criminals who steal from those without any back up in place. I appreciate that there are much more urgent causes out there and even on this site but if anyone could contribute anything it would be massively appreciated.
Paypal link is PayPal.Me/chlomiss