The Microsoft phone scam continues to plague us in 2013

If you receive an unsolicited phone call from a security 'expert' from Microsoft (and possibly other vendors) offering to fix your PC - it's a scam. It's been doing the rounds for several years now and is obviously deceiving some into parting with money. Otherwise it would have gone away by now. Here's how to avoid the 'Microsoft phone scam', and what to do if you fear you have fallen victim to it.


Here's how the scam works...

The scammer calls you and asks for you by name. He/she will say they are a computer security expert from Microsoft (or another legitimate tech company). The 'security expert' is direct and polite, but quite forceful. They'll say that your PC or laptop has been infected with malware, and that they can help you solve the problem. What happens now depends on the particular strain of scam with which you have been targeted.

Some scammers will request that you to give them remote access to your PC or laptop, and then use the access to harness your personal data. Others will instruct you to download some piece of software which contains malware that will automate the task of harvesting your personal data. Another variant of the scam involves the scammer simply asking for a payment in return for a lifetime of 'protection' from the malware they allege is on your machine.

The bottom line: no bona fide IT security specialist is ever going to call you in this way. For one thing, they can't tell that your PC is infected. The scammer is calling you simply because they've harvested your name and number from a phone book, or some other marketing list to which your details have been added at some point in the past. The scammer knows nothing about you or whether you've even got a home computer - it's nothing more than a trawler trip. However the scammer fully expects to catch the unsuspecting and unsure off-guard which is the only reason he/she is doing it. It's not personal, but, like any crime, it makes you the victim and is ultimately harmful to you on many levels.

The Microsoft phone scam: my advice if you're called by one of these scammers...

1. Just put the phone down. Don't react to the call. In fact your best response is to say nothing at all.

2. If they do manage to engage you in conversation, don't provide any personal information. This is a good advice for any unsolicited call. And certainly never reveal credit card or bank details.

3. Don't allow any unknown caller to guide you to a webpage, or instruct you to change a setting on your PC or download software.

4. If you feel motivated to report the call to the police (yes it is a crime after all) you can attempt to get the caller's details. Having some information can only help the police track the criminal.

5. If you have revealed any information to the scammer e.g. username/password info change those passwords and, if possible, the revealed usernames. It's also worth running a scan with up-to-date security software. Also ensure that your firewall is active 

The Microsoft phone scam: what to do if you have been caught out by this

1. Don't give yourself a hard time over this. It's a successful scam and has been - and continues to be - used to successfully trick many. 

2. As already mentioned change all the personal data that you can change. There's lots of data you simply can't change because it's fixed e.g. date of birth. But you can usually change your passwords and usernames. It can cause a lot of grief to change but you can create a new email and then start using that separate email account for linking to your online accounts for banking, shopping, etc. 

3. Contact your bank to explain what happened and ask them what they can do to help.

4. Ensure you use up-to-date security software to scan and, if necessary, cleanse your PC of any virus or malware. And if the scammer did get you to do something to your PC using Windows' built-in System Restore facility to roll back the settings is a good step to take. Here's an article that describes how to use system restore in Windows 7.

5. Do tell the police, especially if you've lost money. It's worth checking whether your credit card company or contents insurance will cover the loss.

Boiler Room Scams - what are they and how to avoid them

The connection between this post and the main theme of my blog is a bit tenuous. But I wanted to post this because I was talking with a friend last night who'd recently experienced this type of scam which arrived in the form of an unsolicited phone call. So I thought I'd just post this to inform and, perhaps, serve as a reminder to us all to be vigilant. As the saying goes, forewarned is forearmed.

What is a Boiler Room?

Boiler Rooms are businesses that use high-pressure sales techniques to sell "sure thing" investments with the promise of massive returns. In fact, what they're selling is worthless stock in often unquoted companies that are either overvalued, or that simply don't exist at all.

How they work

Boiler Room operatives generally cold-call their targets, using phone numbers from publicly-available shareholder lists. Because it's against the law for brokers to cold-call in the UK, they tend to be based abroad (often Spain, Switzerland, or the US) where they're beyond the jurisdiction of the Financial Services Authority (FSA). They can approach anyone, anywhere. 

Boiler Room techniques

A Boiler Room can look and sound legitimate. They may mention companies you've heard of, give themselves a UK address or phone number, and possibly even have a professional-looking website. They're notoriously persistent, and can hound a victim for months in the hope of a sale, catching out even seasoned investors. According to the FSA, Boiler Room Scam victims lose on average £20,000. The bottom line is that if an opportunity sounds too good to be true, then it almost certainly is.

The advice is simple. If you think you're being targeted by a Boiler Room, the FSA's advice is not to worry about being polite - just hang up. You should then call the FSA contact centre on 0845 606 1234 with as much detail as you can remember. You'll find more information about Boiler Rooms on the FSA website www.fsa.gov.uk