A rather disturbing incident involving a stolen phone and credit cards and the ability of a fraudster/thief being able to reset a user’s password/pass-number for a high-street bank occurred in September involving a journalist called Charlotte Morgan. She described what happened to her (and it transpired others) when her phone and credit cards were stolen from a locker in her local gym.
Charlotte chose to broadcast her experiences on twitter and got a range of helpful and supportive pieces of advice.
So we start with the first piece of advice – keep your phone and your credit cards separate. Don’t store/keep them in the same place. Maybe, if you follow the advice that follows later you should just keep the credit card details only on your phone and dispense with using plastic. For Apple that involves storing the card information in your Wallet.
And this is the security loophole that the thief was exploiting. The default setting when you get your new phone, and insert the SIM is to leave the SIM unlocked. This means that the SIM can be taken out of the phone with your network details (and more), and inserted into another phone. Not really what you want, is it? So, lock the SIM to your phone, and by doing that, if the SIM is taken out – it is of no use in another phone. You will need to remember the new PIN you create which you will have to supply when you power-up your phone, or when you change it for a new/replacement. This is obviously an important piece of information to remember!!! There is no way of recovering the SIM PIN if you forget it!!!
So what actually happened. This thread explains it well …
So what do you do? On an iPhone or Android …..
But what are the default SIM PINs that network operators use?
This link will be useful as it lists the default SIM PINs for the major network operators. These are the ones you need to change to your own personally chosen PIN.
It really is quite important. Change your SIM PIN and keep your credit cards separate from your phone.
[First posted 10 September 2020; minor changes 21 June 2021]
Luckily, there’s plenty of advice and guidance available – often slanted particularly towards our demographic (ie oldies) …
Those two sites are particularly easy to follow and understand, but others are equally informative and targeted.
Your bank probably has guidance which it publishes online and which is accessible to everyone, not just their customers …
I’ll return to further information, guidance and references at the end of this post, but first we need to look at a few issues, discuss some terminology that’s widely used and try and tease out what’s really important, and what’s just an inconvenience and then it’s up to you to judge where you find yourself on the scale of …
Security on the other hand is an absolute – you should not be prepared to accept less than your very best efforts . We’ll deal with that in the third part of the post.
How do you relinquish your privacy, and how much of a loss of privacy is acceptable?
Some services could not be offered without income from adverts, or paid-for advertising – eg Facebook, Twitter and Instagram; and some eg Google and Amazon track and provide information to resellers if you don’t block them from doing so. As an example of how much value Google sees in getting knowledge of what you’re doing and where you’re doing it, they paid Apple $8bn recently to remain as the default search engine for any browser that’s running on an Apple device!
Incidentally, if you clicked on that link you might have been asked whether you wanted to accept cookies – what exactly are they, and what do they do. This article from Norton explains what they do quite well …
Essentially, they record what you do on a website so that when you return to it some of the settings are remembered and applied. Cookies do however also have a downside in that some can also act to track your activity once you’ve left the site. For that reason, you should disable in your browser the ability of third-parties to glean information from a cookie, and also to prevent them tracking your activity once you’ve left the site. You can at anytime, clear the cookies from your browser, and indeed on some internet browsers set them up to delete cookies when you leave (close the window) the site. The browser I use – Firefox – alerted me the first time I went to the site to the fact that Norton was using a Fingerprinting cookie itself …
Another thing you should consider is whether you want adverts to be shown, or not. You might get a request to enable adverts when you visit a site, the answer you supply will be held in a cookie in the browser – that’s how cookies work. Firefox, Brave and Microsoft Edge, by default, block most, if not all, adverts. These are often annoying and having a browser that blocks adverts, or if you use Chrome – using an ad-blocker like AdBlock Plus often makes for a more “pleasurable browsing experience” by limiting the intrusion you might feel upon your privacy.
Which brings us to browsers and search engines
Search engines are not created equal! Whilst Google is often thought to be the same as the internet and is often mistaken to be an internet browser itself, it is in fact just one of a range of possible search engines that you can use to look for information on the internet. It uses a platform called Chromium to display the results of its searches to you through a browser called Chrome. However, other browsers – Microsoft’s new Edge, Brave and Opera all use the same underlying Chromium technology – the difference being they don’t track what you’re doing “to present the content that most meets your needs” (Google’s philosophy) and in some cases (eg Brave) they can actually prevent tracking of your browsing history. For the reasons given above, I use either Brave or Firefox as my internet browser and I’m leaning more to the latter nowadays as it seems quicker and more secure as well.
So what safe and private search engine could you use as an alternative to Google. I use DuckDuckGo …
… but others I could have used might have been Bing, Yahoo or another one you might choose from this article or the list of other articles at the end of it …
There are many specialist search engines (as explained in the above article) that can give you much better, and more targeted results than a broad-spectrum Google search.
Finally, no discussion of Privacy can ignore Social Media and Facebook in particular. These applications, if left to their own default settings, are effectively personal information mining engines. They grab what information they can from you, and sell it on to whoever is willing to pay for it; or are indeed the platform for data mining, vis the Cambridge Analytica affair. Online retailers are not exempt from this and Amazon for instance has a wonderful record of your browsing history! Are you sure you know what it’s doing with that information? So look at this table taken from a recent Which? supplement – Staying Secure in a Digital World – and just check whether you need to change your settings if you use any Social Media apps …
So that’s Privacy dealt with.
Should you be frightened?
The take away message I want you to have is Frightened – no; cautious – yes!
Online banking is very secure – a recent survey in Which? produced the following scores …
… plus you are protected and most of the banks are increasingly opting to adopt an online and mobile guarantee to refund you where you’ve been the innocent victim of a fraud. Here for instance is Barclay’s “Online and Mobile Banking Guarantee.”
They really don’t want to shell out money, so they are trying to educate us to be wise to scams. So let’s take a scam test …
Banks are also often supplying software free (or at reduced cost) for you to install to protect your machine, to protect you from fraud – and of course themselves from having to pay out! I was recently offered a piece of software called Malwarebytes by the NatWest and although I have an Apple Mac computer which are well known to be relatively secure from Viruses, Spyware, Trojans and other malware, I installed it. I was pleased to note that I didn’t have any malware on the machine.
Surprisingly you might think … it’s safer to use the mobile app on your phone, or tablet to do online banking and retail purchases than a web browser. This is because the app on the mobile device has to be verified by Google for Android (Google Play Store) or Apple for iOS/iPadOS (Apple Store). Whereas a browser could be infected, or compromised with malware. [That’s something I’ve learnt whilst preparing this post!!!]
When you’re out and about and NEED to do an online transaction from your mobile – use cellular rather than WiFi. The latter can be really open to “sniffers”. [I must admit I try to avoid doing online transactions when away from a domestic network.]
Whilst we’re at it, you might like to think about doing a Detox on your phone, and even consider installing Firefox as the browser of choice rather than Chrome (Android) or Safari (Apple) on your mobile device …
So we come to phishing and pharming, vishing and smishing – I kid you not! We’ll leave aside spear phishing because we’re not important enough for that – it’s used to target “corporations” and individuals within them! [Please excuse me not going into details on any of these. You can follow the links for further information.]
However the most scary scam I’ve been made aware of is one that befell a member of my family when they were distracted sufficiently to become the victim of SIM swapping.
Some of these pieces of advice are really quite straightforward, but some require some intervention by yourselves.
Keep your operating software up to date. This is particularly true if you’re a Windows user, and even more true if you are still running an older version of Windows than Windows 10. If you’re using Windows XP, Windows Vista or even Windows 7 you should seriously consider disconnecting your machine from the internet because even if you’ve got anti-malware software running this is probably not protecting you against the latest threats.
Install anti-malware, or anti-virus software, particularly if you’re a Windows user. Don’t pay more than you need to. Windows Defender from Microsoft is Free and for our demographic relatively undemanding and unsophisticated users, more than sufficient. Keep it up-to-date as well! [As I said previously, your bank might be offering free software as well.]
Keep the software you use regularly up to date as well. Consider removing any software from your machine that you don’t use – this is because software vulnerabilities are discovered sometimes quite a while after the software was first released. It will also save you disc space!
Be cautious over installing extensions into your browser. These are often extremely useful and valuable tools, ie password managers, Dropbox, note taking, Google Back up and Sync, but if you don’t get them from the official sources then you might be importing vulnerabilities, eg spyware and trojans to your system.
Very seriously consider logging-out from social media and other retail sites when you’ve finished using them, especially Facebook, you just don’t know what tracking and logging of what you do, even where you are, if you leave yourself logged in on a mobile device.
Free software is both a boon and a curse. Only download open source software from a reputable site such as Softpedia, and never try and get proprietary software for free. Read this article about Free download sites if you want to know more.
Remember the golden rule 1 – if it seems too good to be true, it probably is, so steer clear!
Remember the golden rule 2 – don’t speak to strangers (an oldie but goldie that one); in other words if you don’t know where an email has come from – ignore it; if the website address looks a little strange – do an internet search on the company or organisation to check if the address you’re looking at is a spoof of the proper one.
Have more than one email address. Use one as your personal address, then use other ones that you can “throw away”when you need to register to a website, but you’re unlikely ever to go back to it again. Or have an email address (UserID) specifically for online purchases. Splitting things like this reduces the risk of you being the victim of fraud.
Seriously consider using an email service that is NOT connected to your Internet Service Provider (ISP). If you decide to change your ISP, and you should review them periodically, then you will have real problems if your email address is linked to their service!
You’ve got Spam filters running? Of course you have – but you better check! Probably your ISP, or email provider (eg Gmail, Yahoo, Microsoft Outlook or Hotmail) is filtering out what it thinks is spam, but occasionally some gets through. If that’s the case then you can always look at the real sender of your message. Take a look at the examples below …
You can also apply filters to divert incoming email into different folders in your email system. That reduces the amount of Junk that you need to review. [I’ve also advocated using the “native” email application for your device rather than rely on the web-based service the email provider has. Thus on a Windows device – use Windows Mail (or Outlook); on a Mac use Mail. You can then easily synchronise your email between devices from multiple email accounts. Tidy!]
So we come to Passwords …
… this is the point at which you need to consider intervention and changing your behaviour! You might also need to do a fair bit of work, but it’s worth it if you want to have a secure internet experience.
Let’s just see what using an insecure Password can lay yourself open to. Type in the word Password, or ABC123 from the link above – frightening eh!?
I seriously do recommend signing up for the Which? Scam Alert Service – sign up for an email alert – and I seriously recommend you NOT broadcasting other people’s warnings to you about scams; they could be old, they could be inaccurate, they could be scams in themselves.
This will probably be one of the most challenging posts I’ve ever attempted to write because in all truth, I don’t think we really still know what actually happened to my daughter’s online identity, let alone wholly knowing how it happened, but I’m going to try and explain the sequence of events as an alert to you all, and a reminder to us too!
Some background and a plausible explanation of why they got themselves into the situation they found themselves.
They’d been self-employed for a short while now, working as a freelancer, and had just submitted their first tax returns in that capacity.
They were working from home, with two young children with one under six months old, and both very demanding of their time.
The family is living in another family member’s house whilst they “do up” their new house.
They’re adept at multi-tasking (obviously too adept as it turns out) and is (as many of their age are able to do) capable of nestling their phone between chin and shoulder whilst doing other tasks!
What happened next!
She had a phone call purporting to come from HMRC (we’re presuming this was just a fortuitous coincidence from the fraudster’s point of view – they had no way of knowing the employment status of the family member) – saying that they had a refund owing. As explained above she thought this was quite possibly the case as she had just completed a tax return – again an unhappy coincidence! She was told to click on a link in a text message to complete the process of getting the refund. She had their youngest child on her hip, was preparing a meal and was “distracted”. She filled-in the required information from the link!!!!
Shortly afterwards (the same day) she presented her credit card at a supermarket and payment was refused. She realised something was wrong. She found she didn’t have access to her online banking. She contacted the bank by phone. The bank “supposedly” froze the account there and then but it was apparent that at least two transfers of money had been made to someone who was a Payee in her account – why? That’s the clever bit of the scam, I’ll explain later!
More payments appeared to have been made … help!!!
How could this be? The account was frozen … wasn’t it?
Get the family involved!
Having a son who’s an IT expert comes in useful, especially if he lives on the other side of the world! He worked through the night (day) in securing as many of her accounts as he could. Changing passwords, which were admittedly rather weak and used more than once (should have listened to Dad) – but he had no idea just how much data had been downloaded, or indeed just how much they had to start with as a result of perhaps a previous “pwned” event.
Having another local son who’s also very practical and logical helps also. He suggested that she contact the payee and tell them about the payment and request it be refunded. What transpired next turns out to be the “clever” part of the scam, although on this occasion it wasn’t conducted very expertly because they attempted multiple payments to the same payee. The payee confirmed that they’d had this payment, wondered what it was and had been a bit puzzled as to why Mr X had contacted them and requested a refund to a bank account because “he’d made a mistake”.
This was obviously NOT the same account as that from which the payment had originated and turned out to be the way the scammers were hoping to transfer funds from the hi-jacked bank account to one of their own! Fortunately, my son’s suggestion alerted the payee and the payee advised their bank NOT to transfer the money.
Phew! How did this all happen when the bank account was supposed to be frozen?
The key to this scam was getting control of my daughter’s mobile phone number. She didn’t realise it immediately, but soon became aware that it had been “stolen” through a scam called SIM swapping. This usually is done by a seemingly distressed person going into a mobile phone shop and pleading for a new SIM with a phone number “because their phone has been stolen” and “it’s absolutely imperative they have their number back immediately as there’s something very important happening right now”. This is described here.
Why do they want to do this? Because they can transfer calls made to the rightful owner of the phone to their own phone.
Why do they want to do this? Because they can then request the bank account to be unfrozen, and also use their access to the phone number for any number of authorisation features.
How did they do this in this case? Well GiffGaff is an online service provider and they have stated that they did everything they were supposed to do to authenticate the request for a SIM swap – but it is evident that there are serious weaknesses in their processes. They have stated they are looking at this for the future. Just Google “GiffGaff SIM swap Fraud” to see what is returned – it’s frightening!
So what happened next, and was there a happy ending?
Well, believe it or not, even with a personal visit to the bank and assurances that no more payments would be made, the bank did allow the account to be unfrozen and transfers out of her account were attempted. A second visit to the bank resulted in heartfelt apologies being made and offered over the way their fraud department had handled the problem and a complaint being raised by the branch against their own department on my daughter’s behalf – I don’t know the outcome of that!
Well, there was a happy financial outcome. Thanks to the prompt action and thinking of my local son, the initial transfer was halted. It’s not conclusive whether my daughter could have received compensation (as detailed here) as she was the instigator of the problem through her own mistake (the HMRC phone call). All other attempted transfers were eventually trapped by the bank and refunded to her – so no financial loss.
Much more significant than the potential financial loss was what it did to her confidence. She insisted on getting a new phone, because she wouldn’t accept any advice from any family member (especially me) that there wasn’t anything on her phone that wouldn’t continue to monitor her.
She also lost all confidence in using any online systems – which up until then she’d been very reliant upon.
She also lost a lot of confidence in herself as she realised just how gullible (but extremely unfortunate) she’d been … but the positive side of this, and the main reason for sharing this is that she’ll be much more careful in the future!
We don’t know whether the identity theft side of this will ever be resolved. We all know that a huge amount of information is held on us on the internet. We all know that some websites have had their security breached and identity information stolen. We don’t know what was held by others about my daughter. She had a public profile, they now have the potential to add even more information to their database about her if they had managed to download information from her email (and other) accounts before my son locked them down. We just don’t know.
There was a mysterious book that arrived at her house with a cryptic message in it.
There have been some scamming emails purporting to come from her since this event.
She now uses a different email account.
We just don’t know whether these are connected to the fraud event or are just strange random occurrences … and I suppose we never will know just how much additional information they may have downloaded – emails, photographs, documents, etc. etc. Very frightening.