揭祕最新神祕騙術 管好你的錢袋子

Criminals use stolen bank details to set up direct debits to pay for goods and services they will benefit from, such as mobile phone accounts, pay TV or gym memberships。

犯罪分子利用盜竊來的銀行信息建立直接借記付款，從而購買他們想要的商品或服務，例如爲手機賬戶、有線電視或者健身卡付費。

Some arrange for payments to accounts from which cash can be siphoned off through ATMs。

有些則利用允許付款人從ATM機取回現金的收款賬戶，付款後再從ATM機抽取現金。

They obtain the details in the same way they would with other types of identity fraud。

這些人騙取信息的方式跟其它騙得個人信息的套路一樣。

Common methods include redirecting a victim’s post or gaining online banking details via ‘phishing’ scams。

通常的做法是轉寄受害人的郵件，或者網絡釣魚。

Direct debit fraud appears to be booming as many companies – such as energy firms – now offer discounts and other incentives to encourage their customers to pay bills using the method – meaning more bank details are in circulation。

因爲很多公司以折扣或其它讓利方式鼓勵客戶用直接借記方式付賬，例如能源公司，所以利用直接借記的詐騙也多了起來。

The proliferation of online services also means fraudsters are able to set up contracts and other agreements without the need for stringent ID checks。

網上服務的快速增長，意味着詐騙者在不需嚴格身份檢查的情況下就可以簽訂合同或者其它協議。

Fortunately under the banks’ direct debit guarantee system, victims will get their money back。

幸運的是通過銀行直接借記擔保系統，受害者可以把錢拿回來。