Mytrendingstories offers advices about how to avoid being scammed on the internet? The big picture: Welcome to “smishing,” which stands for “SMS phishing,” the text-message version of the lucrative email scam. In this ploy, scammers take advantage of the smart-phone revolution—hoping that a text message to your cell will make it less likely you’ll investigate the source, as you might do while sitting at your desk. Since many banks and businesses do offer text-message notifications, the scam has the air of legitimacy. Shirena Parker, a 20-year-old newlywed in Sacramento, California, was thrilled when she got a text message announcing she’d won a $250 Wal-Mart gift card. When she called the number, a representative explained there would be a $2 shipping charge (later upped to $4 by another “representative”). Parker gave the scammer her debit card number and started getting round-the-clock calls from him, asking for the phone numbers and emails of friends and family. “It was turning into harassment,” she says. After two days, she contacted the Better Business Bureau, which told her that Wal-Mart was not giving away gift cards. Hearing that, Parker’s husband canceled their debit card before the con could empty the account but not before he had helped himself to the $4 “shipping” charge. “I don’t know how they got my name and phone number,” says Parker. “But I learned my lesson.” Scammers can even reach you by mail–beware of this new trick that targets pregnant women.

News with Mytrendingstories blogging platform: Call the company directly to verify the check. Remember that some fake checks will have a legitimate company’s actual account number with the correct bank routing number. Call the company directly to verify the check, using a telephone number you obtain on your own from directory assistance at the company. Do not use any telephone number that appears on the check or in any instructions you receive. For FINRA checks, call (301) 590-6500. Know the hallmarks of fraud. Fake check scams typically have a number of red flags, such as: Typos: Watch out for online postings, texts or emails that are riddled with typos and poor grammar. Mismatched names: Compare the name of the person or company posting the opportunity with the name on the check you receive — and beware if they don’t match. Pressure to act quickly: Be aware that it can take 10 days or even more for your bank to determine that a check is counterfeit. Until you have verified with your bank that the check has cleared — do not wire or transfer funds. See additional information at https://mytrendingstories.com/bailey-edward/how-to-protect-yourself-against-internet-scams-ejodcx.

mytrendingstories.com anti-scam tips: The first time, he was going to send the email to his web person in case a photo had been innocently misused. But first he had the idea to Google “professional photographer email scam.” Millions of Google results confirmed that it was, in fact, a scam. Reassured and relieved, he deleted the scam email and didn’t even bother to reach out to his web person. When a very similar email arrived a few months later and then again the other day, he knew what it was and just hit “delete.” Recently a couple in Hingham lost $17,000 to a scammer claiming to be the chief of police. They believed the call was genuine because the police department’s main business number showed on their caller ID. They became overcome with fear so quickly that they followed the scammer’s orders to the letter. The Hingham police were so sorry about what happened to this couple. They strongly urged people to not rely on caller ID “since it can be altered to display any name or telephone number.” That is 100 percent true.

Mytrendingstories teaches how to defeat scams: “Somebody can place a property on their website, make it look like as legitimate as possible, but at the end of the day, it’s actually just a shell of a listing,” said Duquesnel. Talk to the homeowner by phone — not just through email. That way you can ask detailed questions about the property and local attractions. If they give vague answers, that’s a red flag. Look up the address online using Google Street View to confirm the property exists and matches the pictures you saw. Always pay with a credit card – not a debit card. Don’t wire money or use a pre-paid card. That’s like sending cash. “My sister-in-law was scammed out of a vacation rental because she sent a check. She got down there, and that house didn’t exist,” Duquesnel explained. If you pay with a credit card, charges can be disputed. Read even more info on https://mytrendingstories.com/.

Can I get my money back? Your first port of call is the company or person that took your money. It may be worth seeing if you can get your money back from them – though if it’s a scam, this route’s unlikely. If you bought something costing more than £100 (ie, £100.01+) on a credit card, you may be able to claim it back under a little-known law: Section 75. Once you’ve paid using a credit card, the card provider and retailer are locked into a legally binding contract, so if the retailer can’t or won’t refund you, you can raise the dispute with your card provider. You won’t be covered under Section 75 if you used a debit card or spent exactly £100 or less on a credit card, but you could try to claim your money back under the chargeback scheme. It’s a voluntary agreement by your debit or charge card provider to stand in your corner if anything goes wrong. It’s not as effective as Section 75, and rules vary between providers. Unfortunately, if you’ve transferred the money using sites such as Moneygram, Western Union or PayPal, you generally can’t get your money back once you’ve handed it over.