00:01if someone you don't know contacts you unexpectedly or you're asked to transfer
00:05money very quickly that could be the sign of a scam if you're being asked to share personal
00:10or security information like passwords pins or codes that could also be the sign of a scam
00:16another thing to look out for is if you suspect that you're not dealing with a real company
00:21so for example if there's no postal address a website can look professional a message can sound
00:28personal and a familiar voice may not be genuine artificial intelligence is giving fraudsters
00:34more ways to deceive people buying goods online responding to messages or making financial
00:40decisions so lately you might have noticed that there are people on your for you page on tiktok
00:45trying to sell things some of these will be legit but others won't be and if they're not tiktok won't
00:50be able to provide you with the protection fortunately there are some things you can do to get around
00:54that so check if you recognize the seller check if you recognize the product and check if the
00:59product is roughly the right kind of price for something like that some fake shops claim to be
01:04family-run british businesses using convincing images to build trust the danger is that traditional
01:10warning signs such as spelling mistakes and poor grammar may no longer be enough to expose a scam
01:16national trading standards has drawn up an ai scam watch list highlighting the tools and techniques
01:22criminals use these include quickly created retail websites personalized phishing messages and deep
01:29fake videos or cloned audio designed to impersonate friends and relatives in some cases fake shops
01:37advertise quality products made in britain but trading standards officers warn that customers may
01:43receive nothing at all or find that the goods are cheap mass-produced alternatives we see to secure
01:49payment methods like paypal which has the added benefit of being able to raise a dispute with the
01:53seller if what you buy turns out not to be what you thought you were buying you don't actually know
01:58what you're buying until it turns up it could be you're getting a cheap limitation it could be that
02:03the product turns up but it's in the wrong color or it could be that there are marks scuffs on
02:07it that
02:07you didn't know were there fortunately there are some things you can do to get around this for
02:11example you could ask the seller to send you more photos or if they live locally you could ask to
02:16go view
02:16the product in person before making the purchase artificial intelligence can also help fraudsters
02:21maintain romance scams over long periods by remembering personal details and keeping conversations
02:27going the methods vary but the aim is the same to win someone's trust and persuade them to hand over
02:33money or personal information in a lot of cases you can identify a scam just by asking yourself is this
02:39too good to be true if the answer is yes well it's probably a scam now there are some things
02:44you can do
02:44to work this out so look at the link that they're asking you to click at the beginning it will
02:48either say http or https if there's no s at the end the connection isn't secure and your payment details
02:55could be exposed after that you're going to want to google the seller or check out the comments on their
03:00profile if people have been scammed by them in the past the chances are they'll have written a review if
03:04you've been asked to pay in an unusual way that could also be the sign of a scam so paying
03:09by debit or credit card does
03:11provide you with extra protection the golden rule is if something feels too good to be true or doesn't
03:17feel right it could be a scam so it's a good idea to pause and seek some advice citizens advice
03:24has more
03:25information on how to check if something is a scam what to do if you are a victim of a
03:30scam and how to
03:31also report a scam so please do contact our consumer service line either online or by telephone
03:39consumer advice groups warn that familiar checks need to be reconsidered which says spelling mistakes
03:45and grammatical errors can no longer be relied on to identify fraudulent messages a carefully written
03:52email or text may still be a scam even when it includes details that make it appear genuine
03:58the financial conduct authority advises people to treat unexpected calls emails and text messages with
04:05caution particularly when they are pressured to act quickly it says people should check who they are
04:12dealing with protect passwords and payment details and avoid downloading software from untrusted sources
04:21for financial firms the fca's firm checker can help establish whether a business is
04:26authorized to provide financial services checking independently is safer than relying on a link or
04:33contact supplied by a stranger if you suspect a scam stop before sending money sharing information
04:42or following instructions contact the organization using details you have checked independently rather than
04:49relying on a message or caller to prove who they are the financial conduct authority says suspected scams
04:56can be reported to it on 800 111 6768 if you have lost money to a scam or the matter
05:04falls outside
05:05its regulation you can contact report fraud on 0300 123 2040
