Scamming: Vulnerable Individuals — House of Commons, 2016-09-08
Topic: Domestic Commerce
Stuart Campbell McDonald (Scottish National Party, Centre-left): I congratulate my hon. Friend the Member for North Ayrshire and Arran (Patricia Gibson) and the hon. Member for Solihull (Julian Knight) on securing this debate on a subject I must confess I did not know nearly enough about. But I do know now that my own constituency is affected by scams in the same way as are many other hon. Members’. One of the local police divisions informs me that the main scam taking place there is one that has been referred to in this debate. Crooks pretend to be from the bank and state that unusual activity is happening on the victim’s account. Information is requested, and then a so-called safe account is set up, and the victim is asked to transfer the money to that new account, which, of course, is almost the opposite of safe A local officer there, PC Blades, informs me that "we are talking about large sums of money being taken", with an equally large impact on the victim. He also confirms that it seems that "a lot of fraud activity goes unreported as persons feel ashamed at being caught out with such scams." Tragically, as we have heard, this is the picture all across the country, with the average victim being 74, and the average loss £1,000, but with many losing much more, yet only 5% of victims report being scammed to the authorities. I have been astonished to learn about the scale of the problem—the number of people losing out, the financial losses resulting, the range of industries affected, the different types of scam, and the techniques and technologies employed, from vishing to phishing and cold calling to copycat websites The only thing that is less of a surprise is the personal distress and misery caused, which Members have eloquently described. I, too, was horrified to read that victims of mass marketing-type fraud in particular are often placed on so-called suckers lists and their details are then sold on to other fraudsters, increasing their risk of becoming a repeat victim. So anything that can be done to clamp down on that practice must be done This is all rather depressing reading, so how do we set about that task of preventing scams and bringing perpetrators to justice? We all have a responsibility in raising awareness by highlighting ScamSmart or Know Fraud, by supporting Scorpion or Pension Wise, and by backing campaigns such as scam awareness month and the excellent "Avoiding scams" information leaflet from Age UK. I confess that Action Fraud had barely entered my consciousness until a few months ago. By introducing this debate, hon. Members have made me determined to ensure that as many of my constituents know about it as possible The messages that we have to promote are not particularly difficult ones, but they are easy to forget under pressure, particularly for vulnerable people. The first message, which other hon. Members have mentioned, is that if it sounds too good to be true, it probably is—certainly if a cold call is involved. I know that we will be returning to that issue next week. Another message is that people should take expert advice, and the local citizens advice bureau will be happy to help. Also, people should not be afraid to doubt someone’s honesty when they are being asked to part with cash. Unfortunately, a lot of people find that difficult.