Fraudsters Are Targeting Wonga Customers
I have never used Wonga and I never will, but I received this e-mail supposedly from them this morning.
Customer Satisfaction Survey 2013
At Wonga.com, we sincerely value your opinions.
As part of our continuous improvement process, we’re conducting a survey to benchmark the opinions of our customers.We will use the resulting information to better serve the needs of our customers.
We kindly ask you to take part in our quick and easy 3 questions customer survey. In return, we won’t charge you ANY INTEREST on your next loan application!
Here is how you proceed:
• Download your personal survey attached to this email.
• Select the desired answers on your survey.
• Log in to your Wonga.com account to validate your survey.
We thank you in advance for your time and effort in making Wonga the best payday lender in the United Kingdom.Sincerely,
Wonga.com Customer Service
Message ID:
I wasn’t sure if it was phishing spam or something from the company, which has used one of my e-mail addresses.
So I did what you should always do with this type of message and used Google to search for “Wonga 2013 2013 customer satisfaction survey”
I found this page. So it’s a phish and of course fraudulent!
In some ways it’s rather ironic, that a rather dodgy company in my view, is being used as a hook by criminals to get mugs for their frauds.
What No Zopa!
Or any other peer-to-peer lending site for that matter, are mentioned in the best fifty web sites to save money in The Times.
After all, both lenders and borrowers get a better deal here.
Or perhaps, I’m reading the figures upside down.
Ticketmaster Gives Captcha The Boot
I don’t like the Captcha technology on web sites, that define, whether I’m human or not. it’s all because I have a gammy left hand and can’t always be relied on to get it right.
So I was pleased to see that Ticketmaster has ditched the dreaded system for something better. It’s all here on the BBC.
Let’s now make all passwords and questions case insensitive, so that I can get them right first time.
A Cautionary Tale
I don’t mess about with hardware and although, I could probably do quite complicated work on PCs at one time, I couldn’t now, as my knowledge is way out of date.
But this tale from the BBCs web site, shows how you might fall into all sorts of security holes if you do.
Their technology correspondent changed the motherboard on his home PC and consequently, the various security systems thought he was committing credit card fraud, as the computer address had changed.
Now he, thought he knew what he was doing. He did hardware-wise, but he got caught out, by intelligent checking software on the Internet.
when I feel, one of machines is getting to the end of it’s life, I buy another machine and gradually swap everything over, still doing most of the work on the old machine.
So whhen it dies, I just move the last update over and put the old machine in the bin.
A Mini Tablet Computer With A Built-In Printer
My little tablet computer, which is a Samsung Tab 2 with a seven inch screen. I use it to answer e-mails, keep a list of tasks and details of my drugs and INR results.
It does the job well, but it doesn’t handle all scenarios.
Say I was an architect working on a new house. I could make notes as I walked round the site and type them up later to give to the builder, who may not be very computer literate. But that is more hassle than I need.
Imagine though being able to write on a pad of paper, perhaps a few centimetres across, with a standard ball point pen and then give the paper copy to the builder. This is how many people work, using Post-it notes for the purpose.
Suppose though, that the pad fitted over the screen of the tablet computer and that could capture what was written as an image, so that when I got back to the office, I could download the various images to my computer for safe keeping.
In the late 1980s, I saw a demonstration of a system, where signatures were captured, that had been written by a standard ball point pen, through a thick pad of paper.
So the technology has existed for some time.
This idea has potential and all of the technology exists somewhere.
As with the double-sided credit card holder, I want one. And I want one now!
Pointless Spam
I just had a spam e-mail with the title – Never Pay For Auto Repair
I’m very tempted to reply to say that I don’t pay already, as I don’t have a car.
Taking The Prison Bus
I have joked that the 274 bus, is the prison bus for Pentonville a few times, as it always seems to drop of and pick up unfortunate wives, partners and girl-friends in the vicinity of the prison.
I took the bus back to The Angel, so I could get some shopping before coming home.
What surprised me was outside the prison, I was getting a rather strong Wi-fi signal. Was it escaping?
The Internet For Timely Information
I generally look each morning, at the list of the ten most read pages on the BBC’s web site.
This morning, only one of the ten is not about the weather and seven are concerning school closures. In order they are Notts, Essex, England, Leicester, Kent and Shropshire.
In pre-Internet days, parents would have listened to local radio.
Perhaps the Funniest Address On A Spam E-Mail
I just had to laugh, when I saw this address on a typical lottery scam e-mail.
From The E-mail Lottery Winner Office Address: 23-31 Huddersfield Row, West Yorkshire United Arab Emirate HD2 5TXR
Tel: +971527819868
Contact Agent: Mr. Frank Anderson
Obviously, West Yorkshire is not in the United Arab Emirate or the United Arab Emirates even.
But the phone code, 971, is in the UAE.
The address and post code obviously aren’t valid.
I’ve checked the headers of the e-mail and it might have come from the UAE.
It did create an early morning titter, though!
Improving Banking Security
There is an article about the security level of chip and pin on the BBC’s web site. It got me thinking.
I am careful with my bank debit and credit cards and feel that with on-line banking, not enough is done to create a more flexible and much more secure system, by using the power of the servers to make things difficult for a criminal.
Logging In
I always log in from memory, rather than use the little machine that my bank gave me. As the customer number and passwords are not written down anywhere, even with the card and the machine, it would be difficult to log in to my account, unless they had co-operation from someone inside the bank.
There is a big flaw in the bank’s security, in the fact that all the machines are identical, which means criminals only have to get one to use this method of logging in, if they have a stolen debit card and the customer number. I needed a new one and just went into a branch and asked for one. They didn’t ask me any questions, before I got a new one.
I very much like the login system used by Zopa. It is very secure and very simple, and I would suspect most people would not need to write anything down to login first time. Something, you can’t say about many systems I’ve seen.
Restricting Cash Withdrawals
I have never understood why thee is nowhere in your on-line banking account, where you can set parameters about how and where you can draw money out through cash machines.
In a simple case, you might impose limits on the amount of money that could be withdrawn at any one time, or say in a week or month.
I would impose a limit of up to a hundred at any one time. If I needed more, I could always change the limit. You wouldn’t want to make it too complicated, as it would start to get onerous.
Better Bank Statements
When I look at my bank statement on-line, the cash withdrawals, just say how much I’ve withdrawn and the name of the bank. Some of the direct debits are well documented either.
it would be very easy to say give every cash point machine a unique reference, so when you checked the statement, you would quickly notice a transaction that was perhaps done with a cloned card.
The more information you gave customers, the more likely they would be to spot something that wasn’t correct.
An Emergency Pin Number
You hear stories about criminals threatening cash point users and getting them to draw money out. So why not have an emergency pin number, that smallows the card, perhaps gives out a few pounds and then says something like.
This machine as run out of money, please try another machine.
Whatever the system did would have to be carefully thought out, to avoid the criminal taking it out on the victim.
SMS Confirmation Of Bigger Transactions
I’ve never understood, why this couldn’t be done, as any message relating to a purchase you hadn’t made, would give you warning.
I’ve always felt that this would be very effective, even if only a few cards were setup this way. But would criminals take the chance of using a card that was, when it might start an immediate chase.
In some ways, what seems to be sad is that all on-line banking is so similar, when there are so many things that can be done to make the system much more secure for both the bank and its customers.
Banks are just so conservative and don’t innovate. Which is why they’re going to fail even more.
