ࡱ> _]`!` .bjbj\\ .J>>&%BBBBBBBV^^^8<,V3h ^h"e42222222$n4h6h2Bee2BB2|BB22V(@BB( @^/ 5^^_( 2203k(x>7>7((&>7B )| 7hJ<%77722d7773VVV dVVVVVVBBBBBB PROTECT YOUR PHONE Overview of week two Protect Your Phone for the Australasian Consumer Fraud Taskforce Campaign March 2007 The fixed line phone has traditionally been used by scammers to call unsuspecting consumers, whether at their home or place of work, to divulge their financial and personal details and to entice them into investment strategies with amazing financial returns. Scammers have seen the boom in mobile phone ownership, there is now at least one phone per person, as opening up new opportunities for them to contact anyone, and have sought to profit from preying on the unwary. This even extends to children with mobile phones, who have been taken advantage of by being offered the latest ring tone or wall paper and subsequently finding to their surprise that their prepaid phone credits have been swallowed up by higher charges than they were aware of or their phone account includes charges for multiple services when they expected a charge for a single, one off item. Consumers can avoid scams when they know what to look out for, or exercise caution so as to refuse to fall into the scammers trap. The following tips will assist consumers in protecting themselves from phone scams, whether they relate to fixed line or mobile phones: 3 Steps for Protecting Your Phone from Scams 1. Be suspicious of unexpected calls and text messages. Before replying to calls or text messages, remember to check the number. If you make a call or return a call using a 190 number you will generally be charged at a higher rate than a local call. If you receive a text message from a 19 number you will generally be charged at a higher rate than a standard text message and you could also be charged for both messages you receive and send in reply 2. Hang up. Or text STOP to unwanted messages. If you receive a call with an offer that sounds too good to be true, then it probably is, so hang up. If you receive a text message containing no more than a persons first name or containing a greeting from a person you dont know (e.g. Hi Im back), check the number before you reply to make sure you wont be charged at a premium rate. A text message with a number that begins with 19 is generally charged at a higher rate than a standard text message. Text the word STOP for any service you dont want that uses a 19 number. 3. Dont give your number to just anyone. Be careful when giving your phone number to a caller you dont know, even if they claim to be from a reputable organisation. Ask them why they need your number and what will they use it for. Look out for terms and conditions which permit the organisation to give your number to any other company and tell them you dont want your information given out to anyone else. Also think about using the facility on your phone to block your phone number when you make calls. Contact your phone company for advice on how to block your phone number. Phone scams come in a variety of types but include the following categories: Voice services Cold calling where calls are made offering guaranteed high returns on investments including shares, mortgages, real estate, options trading, foreign currency trading and the investments dont exist. Phone slamming where subscribers are signed up to phone plans without their knowledge or consent. Phishing calls where phone owners are called for the purpose of obtaining their personal information and or credit card details to later discover their identity has been stolen or money taken from their accounts. SMS scams Offers of free or low cost ring tones where the phone owner accepts the content without being made aware that they have subscribed to an ongoing service charged at a premium rate. Unexpected prize scam where the phone owner is told that they have won a prize but they must call a premium rate number to collect the prize. The caller either does not receive the prize or it is not what was promised. SMS competition or trivia quiz where the phone owner receives an SMS inducing them to enter the competition or quiz to win a sought after prize only to find that the question is impossible to answer because it is a random number, or that in some cases it will require payment to withdraw from the service. An SMS dating service which charges at a premium rate and requires cancellation of the service by a website but the website function to opt out of the service does not function. Some recent cases of phone scams include: Text message scam Pete is sent a text saying Hi Im back. Can we catch up? He innocently replies to the text asking who the sender is. Pete is strung along with text messages such as Cant you guess? After a number of messages are sent and received, the messages cease without Pete discovering the identity of the person. The next time Pete checks his record of calls, he discovers he has been charged $5.00 for every message he sent and received. Missed call scam Helens phone rings but the caller hangs up so quickly that Helen doesnt have time to answer the call. The phone registers a missed call with a number that Helen doesnt recognise. When she calls the number back to find out who had called her, she receives a message that she has won a prize and is given a 190 number to call to claim her prize. She does not appreciate however, that calls to this number are charged at a premium rate. The cost of the call was significantly more than she was willing to pay for the prize. What is the government doing to reduce the avenues for phone scams? Mobile Premium Services Industry Scheme A Mobile Premium Services Industry Scheme, which was developed by providers of mobile phone services and mobile content and approved by the ACMA came into force in October 2006. The new scheme applies to all services that deliver content to mobile phones for a premium charge including by SMS. Among other features, the scheme prevents unwanted content by requiring providers to action a STOP command sent by text by the phone owner in order to discontinue unwanted services or messages. The scheme also contains rules to ensure customers are informed about the nature of services, costs, and terms and conditions of services before first use. Further information about the Mobile Premium Services Industry Scheme can be found at the ACMA website at  HYPERLINK "http://www.acma.gov.au" www.acma.gov.au by following the headings - Phones Premium Services Premium Phone Services. The scheme can also be found on the Communications Alliance website at  HYPERLINK "http://www.acif.org.au/projects/mobile_premium_services" www.acif.org.au/projects/mobile_premium_services Do Not Call Register The Federal Government announced the establishment of a national Do Not Call Register. The Do Not Call Register is expected to be launched by May 2007. Telemarketers will be prohibited from making a telemarketing call to a land line or mobile number which has been included in the register. It will be illegal for any non-exempt telemarketers in Australia or overseas to contact a number listed in the register. Further information about the Do Not Call Register can be found at the ACMA website at  HYPERLINK "http://www.acma.gov.au/donotcall" www.acma.gov.au/donotcall Background to the Australasian Consumer Fraud Taskforce Consumer scams are crimes of dishonesty such as forgery, counterfeiting, on-line deception, and theft that are targeted at people who seek to purchase goods and services. Potential victims can be those who use fixed line or mobile phones, computers and the Internet, older people, and those who use professional advisers. As part of a whole of Government approach to combat consumer fraud and scams targeted at consumers, the Australasian Consumer Fraud Taskforce was established in March 2005 and comprises governmental regulatory agencies and departments in Australia and New Zealand with a role in consumer protection. The four-week campaign, from March 5 31, 2007 is designed by the Australasian Consumer Fraud Taskforce to help people protect themselves from scams. The overall campaign theme is SCAMS TARGET YOU PROTECT YOURSELF and the specific theme for the second week of the campaign is 'Protect Your Phone. Agencies participating in the Taskforce are: Australian Government: Attorney Generals Department; Australian Bureau of Statistics; Australian Communications and Media Authority; Australian Competition & Consumer Commission; Australian Federal Police (represented by the Australian High Tech Crime Centre); Australian Institute of Criminology; Australian Securities & Investment Commission; and the Department of Communications, Information Technology & the Arts. New Zealand Government: NZ Commerce Commission; Ministry of Consumer Affairs. State and Territory Governments: All State and Territory Police jurisdictions, Australian Capital Territory Office of Fair Trading; Consumer Affairs Victoria; New South Wales Office of Fair Trading; Northern Territory Department of Justice; Queensland Department of Tourism, Fair Trading and Wine Industry Development; South Australia Office of Consumer & Business Affairs; Tasmania Office of Consumer Affairs & Fair Trading; Western Australia Department of Consumer & Employment Protection. Taskforce partners Taskforce members are joined in communicating with Australian consumers about scams by a range of community, non-Government and private sector organisations. Visit  HYPERLINK "http://www.scamwatch.gov.au/content/scams/partners.asp" \o "http://www.scamwatch.gov.au/content/scams/partners.asp" http://www.scamwatch.gov.au for a list of Taskforce partners. Consumers who think theyve spotted a scam can check the SCAMWatch website at  HYPERLINK "http://www.scamwatch.gov.au/" www.scamwatch.gov.au which has detailed information about scams, or report a scam on 1300 795 995.     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