bank offers tips for skims and scams

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bank offers tips for skims and scams

Postby LaughingLarry » Sat Nov 16, 2013 3:50 am

Central Bank offers Phuket advice on avoiding scams and skims

PHUKET: Ultimately, says Surasak Suwanpong the Protection Specialist for the Financial Service Authority for the Bank Of Thailand, Southern Region, the best way to avoid electronic scammers ripping money out of your bank or credit card account is to have no cards at all.

Zazithorn Ruengchinda

Friday 15 November 2013, 07:04PM
Preuttipong Srimachan - new rules have been introduced to eliminate 'nuisance' selling by bank staff.
Preuttipong Srimachan - new rules have been introduced to eliminate 'nuisance' selling by bank staff.

But for the vast majority in the modern world this would be impractical. So, he has a variety of advice to minimise the risks of using cards.

First, Mr Surasak said, before a meeting at The Metropole hotel to inform the press about consumer protection as it relates to banking and to launch five pamphlets advising people on how to conduct their household finances in general.

“If you do have credit or debit cards,” he said, “don’t use passwords that are easy to figure out. Thieves are well prepared and equipped with high-technology tools.

“If you hold multiple cards, don’t use the same password for all of them. Don’t use your birth date or simple numbers such as three identical digits or sequential digits,” Mr Surasak told The Phuket News on Wednesday (November 13).

“Collect all your slips afterwards and always check the balance in your account. It’s hard to tell when an ATM has been fitted with a skimmer (a device to rip off card details and passwords). So it is best to be always aware of your state of your bank accounts.

“Don’t keep passwords for e-banking on your smartphone in case you lose the phone.

“There was a case recently of a Thai professor who went for a holiday in Russia, and forgot his bag in a restaurant. By the time he realised it was missing and cancelled all his cards, all his money was gone.

“The thief used the cards immediately spending to the maximum credit limit. To add to the professor’s woes, all his cards had the same password, which he had written on the plastic sleeve containing his ATM card.

“In this case the bank was not responsible.”

But, he said, anyone having a problem related to bank fraud or scams can call 1213 during working hours – 8.30am-4.30pm or send an email to fcc@bot.or.th

“We specialise in protecting consumer from financial problems such like this,” Mr Surasak said.

He also talked about con artists who manage to convince people over the phone to transfer money into their accounts.

“There’s another popular kind of scam in which you receive a call from a total stranger claiming to be some kind of government officer telling you to go immediately to an ATM and transfer money to a certain account, because you have to pay a fine of some kind.

“Do not make any transfer! This scam works because people panic when they received this kind of call. Take a deep breath and think first whether you have done anything wrong that might spark a call like this.”

During the meeting proper, Bank Of Thailand Senior Director for the Southern Region, Preuttipong Srimachan, addressed questions about “nuisance” practices by banks.

“Sometimes bank officers try to sell other services [such as insurance, loans or investment vehicles] to customers who are in the bank only to make monetary transactions. What can the BOT do about this?

“We introduced new regulations late last year. These stipulate that private sector banks must provide a separate corner for their additional services; should provide only information that the consumer is looking for and not be pushy by asking questions or making unwanted suggestions; and must always give the consumer honest answers, including the pros and cons of every service the consumer inquires about.”

The five pamphlets are in Thai only at present. For details her here.

your mind is the garden , your thoughts are the seeds ,you can plant flowers ,(or you can plant weeds)
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Re: bank offers tips for skims and scams

Postby (B) Banger » Sat Nov 16, 2013 6:06 pm

Am I correct in assume that the Bank is responsible if a SCAMMER rip off your money from the ATM<>no fault of your own you the ATM<>cover your hand when punching your PIN. Seem fair<>TIS<>this is Thailand!
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Re: bank offers tips for skims and scams

Postby Jello » Sun Nov 17, 2013 10:29 pm

LaughingLarry wrote:
“There was a case recently of a Thai professor who went for a holiday in Russia, and forgot his bag in a restaurant. By the time he realised it was missing and cancelled all his cards, all his money was gone.

“The thief used the cards immediately spending to the maximum credit limit. To add to the professor’s woes, all his cards had the same password, which he had written on the plastic sleeve containing his ATM card.

“In this case the bank was not responsible.”



And this guy was a Professor?
Stupid move #1: Write your PIN # on the sleeve of the ATM card.
Stupid move #2: After loosing card, tell the bank you wrote the PIN # on the sleeve of the ATM card.

Oh, a Thai Professor, that explains it.
:rofl:
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Re: bank offers tips for skims and scams

Postby Jello » Sun Nov 17, 2013 10:30 pm

And chances are good the pin # was 1234. :rofl:
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Re: bank offers tips for skims and scams

Postby Noodles » Sun Nov 17, 2013 11:50 pm

professors and teechers can be as dumb as the next person...(Uncle wang is the exception)
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