English: Each year, more people fall victim to scams and the scammers become increasingly sophisticated in order to con more people. According to the crime survey for England and Wales, fraud and computer misuse crimes were the most common crime experienced by individuals last year. Action Fraud, the police body set up to co-ordinate information on cyber crime and fraud, saw a 28 per cent increase in card and bank account fraud in the past 12 months. The crime survey for England and Wales's findings suggest that less than one in five incidents of fraud are reported to the police and Action Fraud. Unfortunately, once someone has fallen victim to the fraudsters, their details, including personal details and passwords, are added to suckers' lists, sold on to other criminals. According to estimates by the Chartered Trading Standards Institute there could be 0.5 million UK residents on these lists. One victim's details were sold on over 200 times - 200 scam groups and organised criminals targeting just one individual. Three-quarters of adults living in the UK have been targeted by a scam in the last two years. They range in sophistication from a poorly worded e-mail from a foreign prince offering vast wealth to highly targeted social engineering based on your online profile. My office has spent the last couple of weeks apologising to people around the UK who have contacted us believing that Her Majesty's Revenue and Customs are seeking their arrest for unpaid taxes. The fact that our Assembly office numbers have been spoofed to add a modicum of believability to this particular scam shows the increasing sophistication of the criminals involved. A few weeks ago I was contacted by a constituent who has given me authority to use his name, Mr Mark Morgan of Gordon Road in Porthcawl. Mark Morgan is one of my constituents who fell for a scam. He is in his 60s but is computer literate. As he travels abroad frequently, Mark does much of his banking for various personal and business bank accounts online. When Mark was contacted by a fraudster by telephone, purporting to be from his bank regarding a fraudulent transaction on one of his online accounts, they were so convincing that Mark fell for their scam, which resulted in them draining £38,000 from his account. Around half of the money has been reimbursed by his bank, but the likelihood is that he will never see the remainder - money he can ill afford to lose; his life savings set aside for his retirement. Mark wanted me to highlight today what had happened to him in the hopes that it would stop others having to endure something similar. Sadly, Mark is not alone; cyber crime victims lose £190,000 a day. So, what can we do to tackle this increasing menace? Raising awareness is the No.1 thing we can do, as a Government, as an institution and as individuals, because we all have a role to play in this subject. We must educate the public about the increasing range and sophistication of the scams. We must increase the number of consumer education campaigns in order to inform the public about what constitutes the different types of scam. We must send out a clear message that there is nothing, absolutely nothing, to be embarrassed about falling victim to such a crime. You wouldn't be embarrassed about admitting you were mugged, so why should falling victim to a highly skilled criminal be treated any differently? Embarrassment is, unfortunately, a major reason why only one in five scams are being reported. People need to understand the importance of reporting scams. Not knowing about these crimes makes it more difficult for the authorities to identify and act against the scammers. It makes it more difficult to identify who is most likely to be targeted and then act to ensure that those groups are provided with relevant information on how to avoid such scams in the future. Aside from increasing awareness, I would ask that the Welsh Government and the UK Government work together with industry to put better safeguards in place. It should not be possible for scammers to spoof telephone numbers. Government and the phone operators need to tackle this growing threat and put a stop to robocalling. These automated calls have moved on from PPI claims to encouraging people to fraudulently claim for personal injury following a car accident. We need to strengthen data protection laws to prevent the selling of personal information without explicit knowledge and consent. Over the next two weeks, Citizens Advice are running their Scams Awareness 2019 campaign, and it is a complete coincidence that I opted to table this topic for a short debate during their campaign, but it is fortuitous. I urge all Members here to tweet their support for the campaign using the hashtag #scamaware. Scams can affect anyone at any time, so let's do all that we can to raise awareness, remove the stigma, increase reporting, and strengthen legislation, in order to protect our constituents and prevent others having to go through what Mark Morgan has had to endure. Diolch yn fawr. Thank you very much.
Welsh: Bob blwyddyn, mae mwyfwy o bobl yn dioddef yn sgil sgamiau ac mae'r sgamwyr yn tyfu'n fwyfwy soffistigedig er mwyn twyllo mwy o bobl. Yn ôl yr arolwg troseddu ar gyfer Cymru a Lloegr, troseddau twyll a throseddau camddefnyddio cyfrifiaduron oedd y troseddau mwyaf cyffredin a brofwyd gan unigolion y llynedd. Mae Action Fraud, corff yr heddlu a sefydlwyd i gydgysylltu gwybodaeth am seiberdroseddu a thwyll, wedi gweld cynnydd o 28 y cant mewn twyll cardiau a chyfrifon banc yn y 12 mis diwethaf. Mae'r arolwg troseddu ar gyfer Cymru a Lloegr yn awgrymu bod llai nag un o bob pum achos o dwyll yn cael eu hadrodd i'r heddlu ac Action Fraud. Yn anffodus, pan fydd rhywun wedi dioddef twyll, ychwanegir eu manylion, gan gynnwys manylion personol a chyfrineiriau, at restri o ddioddefwyr, ac mae'r rheini'n cael eu gwerthu i droseddwyr eraill. Yn ôl amcangyfrifon y Sefydliad Safonau Masnach Siartredig, gallai fod 0.5 miliwn o breswylwyr y DU ar y rhestrau hyn. Cafodd manylion un dioddefwr eu gwerthu ymlaen dros 200 o weithiau - 200 o grwpiau sgam a throseddwyr cyfundrefnol yn targedu un unigolyn yn unig. Mae tri chwarter yr oedolion sy'n byw yn y DU wedi cael eu targedu gan sgam yn y ddwy flynedd diwethaf. Maent yn amrywio o ran pa mor soffistigedig ydynt, o e-bost wedi'i eirio'n wael gan dywysog tramor sy'n cynnig cyfoeth enfawr i beirianneg gymdeithasol wedi'i thargedu'n dda yn seiliedig ar eich proffil ar-lein. Mae fy swyddfa wedi treulio'r ychydig wythnosau diwethaf yn ymddiheuro i bobl ledled y DU sydd wedi cysylltu â ni yn credu bod Cyllid a Thollau ei Mawrhydi yn bygwth eu harestio am drethi heb eu talu. Mae'r ffaith bod rhifau ein swyddfeydd yn y Cynulliad wedi cael eu ffugio i ychwanegu rhywfaint o gredadwyedd i'r sgam arbennig hon yn arwydd o soffistigeiddrwydd cynyddol y troseddwyr dan sylw. Ychydig wythnosau yn ôl, cysylltodd etholwr â mi ac mae wedi caniatáu i mi ddefnyddio ei enw, Mr Mark Morgan o Heol Gordon ym Mhorthcawl. Mae Mark Morgan yn un o fy etholwyr sydd wedi dioddef sgam. Mae yn ei 60au ond yn deall sut i ddefnyddio cyfrifiadur. Gan ei fod yn teithio dramor yn aml, mae Mark yn gwneud llawer o'i fancio ar gyfer amryw o gyfrifon banc personol a busnes ar-lein. Pan gysylltodd twyllwr â Mark dros y ffôn, gan honni ei fod yn ffonio o'i fanc i drafod trafodiad twyllodrus ar un o'i gyfrifon ar-lein, roeddent mor argyhoeddiadol nes bod Mark wedi credu eu sgam, ac aethant ati i ddwyn £38,000 o'i gyfrif. Mae tua hanner yr arian wedi'i ad-dalu gan ei fanc, ond mae'n annhebygol o weld y gweddill - arian na all fforddio ei golli; cynilion ei fywyd a neilltuwyd ar gyfer ei ymddeoliad. Roedd Mark eisiau i mi dynnu sylw at yr hyn a ddigwyddodd iddo heddiw yn y gobaith y byddai'n atal pobl eraill rhag gorfod dioddef rhywbeth tebyg. Yn anffodus, nid Mark yw'r unig un; mae dioddefwyr seiberdroseddu yn colli £190,000 y dydd. Felly, beth y gallwn ei wneud i fynd i'r afael â'r bygythiad cynyddol hwn? Codi ymwybyddiaeth yw'r prif beth y gallwn ei wneud, fel Llywodraeth, fel sefydliad ac fel unigolion, oherwydd mae gan bob un ohonom ran i'w chwarae yn y mater hwn. Mae'n rhaid i ni addysgu'r cyhoedd am amrywiaeth a soffistigeiddrwydd cynyddol y sgamiau. Mae'n rhaid i ni gynyddu nifer yr ymgyrchoedd addysg defnyddwyr er mwyn rhoi gwybod i'r cyhoedd am y gwahanol fathau o sgamiau. Mae'n rhaid i ni anfon neges glir nad oes dim o gwbl i fod â chywilydd yn ei gylch os ydych yn dioddef trosedd o'r fath. Ni fyddech yn teimlo cywilydd ynglŷn â chyfaddef eich bod wedi cael eich mygio felly pam y dylid trin rhywun sydd wedi dioddef dan law troseddwr tra fedrus yn wahanol? Mae embaras, yn anffodus, yn un o'r prif resymau pam mai dim ond un o bob pum o sgamiau sy'n cael eu cofnodi. Mae angen i bobl ddeall pwysigrwydd rhoi gwybod am sgamiau. Mae peidio â gwybod am y troseddau hyn yn ei gwneud hi'n anos i'r awdurdodau nodi a gweithredu yn erbyn y sgamwyr. Mae'n ei gwneud yn anos nodi pwy sydd fwyaf tebygol o gael eu targedu ac i weithredu i sicrhau bod y grwpiau hynny'n cael gwybodaeth berthnasol ynglŷn â sut i osgoi sgamiau o'r fath yn y dyfodol. Ar wahân i godi ymwybyddiaeth, buaswn yn gofyn i Lywodraeth Cymru a Llywodraeth y DU gydweithio â'r diwydiant i roi gwell mesurau diogelu ar waith. Ni ddylai fod yn bosibl i sgamwyr ffugio rhifau ffôn. Mae angen i'r Llywodraeth a'r cwmnïau ffôn fynd i'r afael â'r bygythiad cynyddol hwn a rhoi diwedd ar alwadau ffôn awtomatig. Mae'r galwadau awtomatig hyn wedi symud ymlaen o hawliadau PPI i annog pobl i hawlio'n dwyllodrus am anaf personol yn dilyn damwain car. Mae angen i ni gryfhau deddfau diogelu data i atal pobl rhag gwerthu gwybodaeth bersonol heb wybodaeth a chydsyniad pendant. Dros y pythefnos nesaf, mae Cyngor ar Bopeth yn cynnal eu hymgyrch Ymwybyddiaeth Sgamiau 2019, ac mae'n gyd-ddigwyddiad llwyr fy mod wedi dewis cyflwyno'r pwnc hwn ar gyfer dadl fer yn ystod eu hymgyrch, mae'n gyd-ddigwyddiad ffodus. Anogaf yr holl Aelodau yma i drydar eu cefnogaeth i'r ymgyrch gan ddefnyddio'r hashnod #ymwybyddiaethsgamiau. Gall sgamiau effeithio ar unrhyw un ar unrhyw adeg, felly beth am wneud popeth a allwn i godi ymwybyddiaeth, cael gwared ar y stigma, cynyddu'r niferoedd sy'n rhoi gwybod amdanynt, a chryfhau deddfwriaeth, er mwyn amddiffyn ein hetholwyr ac atal eraill rhag gorfod dioddef yr hyn y mae Mark Morgan wedi gorfod ei ddioddef. Diolch yn fawr iawn.