Subscribe to Channel 4 for more: bit.ly/2v2I6SY Watch the FULL episode on All 4: bit.ly/2UePlXq Joe Lycett impersonates RBS Boss Ross McEwan to help return £8,000 back to a scammed customer! #JoeLycett #RBS #Channel4 #All4
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Connor Richardson Banks are morally wrong? So lending people money so they don’t need 100% of the money to buy a house is evil? I’d like to see where you’d live if the bank didn’t lend you 80%, or are you renting, and is that better? Moron.
Master C No it was not, the number that called her was a legit one of their bank, now I don’t know whose fault is it that some rando out there was able to use it, but it’s definitely not hers. Also, the bank is aware of these issues, the least they could do is email or message people warning them about it, otherwise it’s not “doing *ALL* we can to prevent blah blah..”, it’s not giving two *beeps * about their customers. But why do I have to explain this to you when it’s your own fault and stupidity for not comprehending the issue?🤷♀️
@@Thanos.m Can't exactly protect someone from a phone call like this. There's no failing if someone willingly transferred their money like this. The banks are constantly talking about how they literally never make these types of calls, and would never suggest transferring funds like this, yet someone falls for it nearly every week.
I think it's idiotic to expect bank to protect you from your own stupidity. SHE IS STUPID and should have never gotten bank's money, scammer still has the same money. Shame on Joe/Hugo.
The fact the scammer knew her recent transactions and card numbers etc makes it seem that NatWest had a data breach and it is in fact their fault (might be wrong but)
That, or scammer had some spyware on her device. While they can get most of info about transfer and recent purchases, they still cannot transfer money due to certain protections. But the whole scam is very high level tbh.
A J All of those details are available on paper bank statements, though. My brother lives in a block of flats and everyone’s mail is delivered in mailboxes at the ground floor of the building. Someone stole everyone’s mail in his building, and loads of people in the building, including my brother, had dodgy transactions coming out of their bank accounts. I don’t really know what happened to the people involved, but they ordered things from my brother’s account like televisions and bicycles. Obviously they had these things delivered somewhere, so it shouldn’t have been too hard to catch the morons, but it was obviously really inconvenient for everyone in the building, since most people didn’t realise until after the money had already come out of their accounts. It’s actually really easy for people to know this kind of stuff just by going through your mail. That’s one of many reasons why it’s best to limit paper transactions.
A J Fraud doesn’t work in just one single way. I know for a fact that people have committed fraud using stolen bank statements and mail, because it happened to my brother’s building and the police confirmed this. There are many ways that fraud happens - both the way that you outlined and the way that I’ve described are plausible (although I agree that your way is probably more likely in this particular case given the lengths they had gone to to make this appear legit).
A J I mean, my brother’s building is large - half a century ago it would have been considered a skyscraper, and it has hundreds of tenants. They were able to get lots of people’s personal details, and implement a wide variety of scams using the information they got stealing people’s mail from just that one building. Those details were either sold, used to directly scam people in the building, or, in my brother’s case, directly access their accounts and make purchases.
The bit that concerns me is that they had details of her recent transactions and payees. They therefore must have had some access to her account, which is a lot more worrying than the scammers that just call random numbers hoping no one will check they're legit.
As long as you have someone's full name, date of birth and address you can simply call their bank, give them that information and receive the 5 most recent transactions for accounts held by that person
@@bellamee2775 I agree, unfortunately the law allows this so that debt collection companies use that information to make sure that the person they're collecting from is A: who they say they are and B: has money ingoing/outgoing so they can collect the debt.
@@bellamee2775 no people jsut need to know that they can do that. We need a list of what is easy to access info so we can find out what we need to trust them ( but that would also mean them knowing it 😂)
Ok but the fact that poor girl went through all the checks she could think of...they were ringing from the natwest number, that alone would get most people to trust them. Terrifying.
Rbs / natwest will very rarely, if ever, call you from anything other than withheld/private numbers. The contact numbers on the back of your cards will never call you as they are inbound numbers for customer services. Fraudsters can spoof (Disguise) their own phone numbers to appear to be other numbers. Bank staff will never give out their last names and if they are calling you will not ask for any bank account info. Banks will also never ask you to transfer funds. There are other ways to add security for telephone interactions so you can verify the identity of bank staff callers. Please contact your own bank for that info.
Anyone can fake calling you from any number or fake emailing you from any email address (including your own)... Just like anyone could write any from address on an envelope. This is not at all a new type of scam.
@@stevieh9860 stevie, I think you misunderstand how this works. If you type the number in manually (a known good number), none of what you just said will happen. I don't know 100% what will happen if you tell your phone to call it back, but pretty sure it would do the same. The whole point is that the call came from what looked like a legit number, so if you call the legit number back, you will reach the actual company, not the scammers/number spoofers.
@@nimoy007 I think he's on about the newish scam police warned about lately I think It only works on landlines but they can somehow keep your line open so even if you dial a new number it goes back to the scammer saw it on a watchdog a few months ago.
@@stevieh9860 hahaha i think someone has watched a few to many bank robbery films people arent physically tapping into the phone line of a bank (if this was the case poepl would be seriously fucked as they could do far worse if they had that type of technology! Doesn't take the CIA to perform a simple ghost call. I have never done or don't get why anyone would want to but i could quite easily do it from my laptop. Its just a display not the actually phone number that is calling. I've been harrassed by scammers after talking shit to them down the phone and they genuinely called me back and it said they were calling from 'suck my tits'. yes, i thought this was quite funny as well tbf! all jokes aside people need to be so careful with how easy it is to be scammed. Never believe a bank, loan company, car finance etc would ask for such information over the phone or email. They would most likely ask you to come into the nearest local branch!
Matmaster50 correct. You put the phone down. They don’t. You are still connected. And yes I think it is just landlines. If you get one one the landline, use a mobile to ring the actual number.
This exact situation happened to my old man. The scammer was actually able to tell him his security details which Barclays should have been keeping safe and secure. They used these grounds to gain my dad’s trust and therefore he sent a load of money as Claire did. Barclays tried to play the same cards as Natwest did here, but once we said to Barclays that this was down to THEIR lack of ability to keep security details safe in the first place, they were stumped. After a few days, Barclays paid every penny back and said nothing else. Never settle.
Literally NEVER EVER deal with anyone who calls you. They might call you to let you know this, however you should always call them back from a phone number from official websites. Sometimes they can be legit, but please don't take the risk. Hang up and call back on an official number from their official website. It's for the best. Never transfer money to keep it safe, the bank is expected to freeze the account.
@@MuayThaiSabaiSabai Fraud detection departments in your bank will sometimes phone you if they suspect there's been suspicious activity on your account. But they won't ask you for passwords or codes etc and will just tell you to get in contact with the bank ASAP. When I was in Africa for a few months every time I made a cash withdrawal they phoned my mobile to tell me someone in Africa was withdrawing cash from my account and I was just like "Yeah that's me" haha. They sometimes also ask you to phone them like they did with me once when I tried to make a £400 payment on a holiday online. I had to phone my bank and answer some questions to prove it was actually me but again they didn't ask for passwords etc. At the end of the day, if someone has removed money from your account the bank can trace where it went and retrieve it. It's if you transfer it yourself they can be a dick and say "well you sent the money so it's your fault"
You can film in public i.e in the street but inside buildings they have the right to refuse but they can only tell you to stop filming. Security guards have no legal powers and cannot take any property from you, they can only ask for it (basically intimidate, threaten and ACT as though they have the authority to take your property and HOPE you give it to them). Security guards are just average joes in a black uniform. Perhaps the only thing the bank security guards have over other places is the right to detain people (due to it being a bank and calling it as 'suspicious activity') as detaining/falsely imprisoning someone is illegal. (Naturally this is all irrelevant if an actual crime is being commited).
@@pkk639 I'm aware they have the right to refuse it on there private property, especiallyin a bank, like. . . Duh! It's just fun to note that they're A-Okay with filming until they clock that they're going to be criticised.
"Oh god, some dumb bitch fucked herself, and now we can pay for it because otherwise these dumb plebs somehow blame us for their stupidity. We fucking told em not to do businuiss with random people calling them out of the blue, and on top of that now here's some self involved cowardly bawbag that's too afraid of going after the REAL criminals so he's just going to commit the crime of blackmail in order to look like the elevated being that fixed all this". PERSONAL RESPONSIBILITY, ever heard of it?! And for the dumb fucks saying the bank should have protected her... How? How are they going to stop people putting everything and their social security number on facebook? Call before each and every single transaction? Millenials where bad, but you entitled lot are worse. I hope they quadrupilled her bills after that.
@@Fifury161 Sure it matters for taxes. But i don't know about you but i don't work as an accountant. The video was pretty wholesome just allow this person to word it technically incorrectly. To almost every other person the difference is negligible.
@@Fifury161 By the same token then, technically, it never was "her" money anyway, unless the bank held and marked every banknote she ever deposited. Banks use our funds constantly for various reasons - investments, loans, etc. They simply made good on something that an astute bank would never have allowed to happen. There are two times I tried to conduct a transaction electronically with my bank, and because they were over a certain amount, I had to be there in person to handle them.
The worst part of being scammed like this is the victims then feel really stupid. I've had member did my family be frauded like this. And they feel embarrassed and stupid. Not unlike many victims of many crimes.
@@Chris_t0 While I agree they should feel stupid, they most definitely should get their money back. Fraud is a crime, and we should not punish the victims of crimes
@@cassun603 Yes they should get there money back from the person who did it, definitely not through the bank who has to fork out their own money just cause they have a stupid customer. This specific customer was dumb as hell, the bank knew it too but had to refund even though it was a dumb look for the bank, just cause it was for cameras. Now other idiots will think the bank will cover their stupid asses.
Chris -0 I usually like to stay calm, but Fuck you. You have no idea what’s going on in someone’s life, many people are emotionally vulnerable and may be in a tight spot financially, so could be easily tricked or panicked. Scammers often use a sense of urgency which can be very distressing for mentally or emotionally vulnerable people, so they fall prey to it. Making them feel stupid after helps no one.
@@Chris_t0 Mate, when has a bank ever given a shit about your well being? They only ever care about their bottom line. They are scum. If nothing else, they deserve to lose a fraction of a fraction of a fraction of their profits to do the right thing and refund fraud victims. Fuck 'em, they can take that hit and should be taking hundreds more like it.
@@insidebriansmind If I recall correctly, the implication in Robin Hood is that the money was acquired from the poor unjustly. Here it seems that a company has been unjustly strong-armed (some might say extorted) into using their investors' money to pay for someone else's mistake.
@@insidebriansmind Incidentally, this was the joke in my post. I'm not a fan of forcefully taking money from those that have earned it simply to compensate those that envy it.
He's an actual hero, I know that this was funny and all but that money was to help that girl go back to Uni, that is quite literally her future. You can hear just how distressed she is on the phone call and what it meant to her. I hope she's doing well and is enjoying her studies
I've been watching all of the episodes back to back, and while other episodes were funnier (the Uber ears one had me crying laughing) this is one of the most impressive pieces of work done by Joe and the team. Companies fear embarrassment more than anything; his efforts restored this young woman what she was rightfully owed. I was already very impressed but now I am a FAN FOR LIFE! love u joe xox
Yeah, the only problem is that whoever took your money got away with it, and the only one to pay for your fuck up is the other bank customers, so how fair is that in reality?
getting skimmed is totally different in that you are genuinely not accountable, in this example in the video, she is very much at fault and the bank doesnt "owe" her anything other than attempting their best to recover the money. But of course sometimes it isnt possible, especially if the money has been further moved on to other accounts.
@Repeat After Me:" If you have a good hiding place keep your cash as physical cash/bullion and only use cards when you absolutely have to", This is the most idiotic stupid advice I have ever heard
None of these companies have proper security measures. My mother has been receiving calls recently from what are obviously Indian scam call centres, claiming to be from BT and saying that the internet is going to be cut off (we're with Virgin, so it doesn't even make sense). But she called Virgin to find out what they would actually do to prove they are who they say they are, if there was really a problem with the internet. Suffice it to say, they have no actual procedure for identifying themselves in this situation beyond claiming they're from the company. They might ask YOU for security information, but they have no way of proving their own identity, which is a major vulnerability for everyone, and it clearly isn't being addressed.
they don't have procedures because generally speaking, they do not call. They will send emails or text messages, usually asking you to go to the website, log into your account on the website and use the internal message system.
Enoch Chaos the recording is illegal as it was on private property yes, however I’m almost certain (although I could be wrong) a buildings security cannot legally detain them unless they have reasonable suspicion that they have stolen from the property.
@@blacktiger171 so privateers own the law. Make banks government then... The pseudo-gov is the political archetecture and the real governance has given itself its own arm of the laws against freedom. They only give ground not when it is moral or ethical justice but if it will cost them more money to keep pushing the extortionate route. If it is private are the public allowed to enter the lobby? Why run a public front then if there is that much hostility.. If someone has a meeting give them a code to open the door.
Lost Space honestly not even sure what you’re trying to say... if you’re referring to the recording being illegal... you can record private property from public property, just not within it without permission.
Your bank would never call you trying to get you to send money outside the bank, if they're trying to protect your money.. They'd just freeze you're account till its sorted out. Moving the money outside is like building a vault and then storing your valuables in a suitcase outside the vault...
@@jimbojones8208 I'm glad someone else said this. It's not the bank, they are following policy. The bank would never never ask your to move money out of your account. Even if they proved other stuff, that should be a flag. It's her own fault, for being an idiot
They might have just told her that, and in reality they were in the fraudster's name. The fraudster probably relied on the transfer being based on the IBAN and the recipients name not being checked.
Normally in these situations I say "What an idiot!", but they really did a good job with this scam and it seems it was very convincing! Glad to hear she got her money back :) Good work Joe!
I'll say it for you "What an idiot". All she had to do was say "I'll ring you back on the number on my card" and that would've been job done. So no, she's an utter moron.
She didn't "get her money back". She gave away her money. She got other people's money because a company was strong-armed and harassed into covering HER loss.
I hate Natwest. A year ago I was trying to book a ticket to go and see my dying mother, and Natwest didn't like the transaction so without asking they've locked my cards and bank account to prevent fraud. When I went to see a bank manager in Worthing, explaining the situation I've said that they cant just lock me out just because they don't like the look of transaction, he replied with a murky smile: "We can do what ever we want. Its OUR bank!". My mum past away next day, so I didn't get to see her.
Wow. We need this in America! It shouldn't take this to get corporations and other organizations to do what's right, but since it does, we need more of these type of people, more like Joe and his team all over the world! Bravo! HipHipHooorah!
@@MrLego3160 your missing the point. If you dont have a celebrity making a big deal about it, natwest or whoever would tell you to fuck off and tough titties your money is gone.
If someone stole money from me... I wouldn't expect to get the money back. She lost most of her money because she was not vigilant. Some banks don't even attempt to get your money back when you have authorised it yourself. Her sister knew the call was dodgy because she had basic education that the bank provides to everyone
@@Tidus24kmc Yeah, like they should. you transferred money legitimately to someone you should have known better than to trust. everything was above board.
CoccoSshi You can be like that now with your righteous view, but if it happened to *you* I suspect you'd want your money back. It was a sophisticated scam, not everyone knows of all the scams, so don't judge like you have never made mistakes. Hindsight, as they say, is a wonderful thing but it was a scam and I'm glad she got her hard earned money back.
Well done Joe, nice work. Remember if your bank or anyone official gets in touch out of the blue, it's very likely a scam. Tell them you will phone them back, preferably using another line (if they call on land line use mobile & vice versa) . Also find the number yourself don't use a number the caller gave you.
Well done! If you get a call from anyone asking you for anything remotely to do with money (taxes or utilities or banking), hang up and call the number on the back of your banking card, bank statement, utility bill, or tax form. Number spoofing makes it look like it's a legit call, but do not give out info to ANYONE who calls you!
I don't usually hang up before saying .... "Yea, Fuck off!" I've become so good at it that I occasionally say it to legitimate callers trying to sell me stuff I probably don't want, but that don't generally deserve this level of abuse. ... screw them too, cold callers are a pain in the ass I could do without, especially when they're masquerading as scammers.
I’ll be the guy to say that it isn’t up to the victim’s bank to fork over the money to someone that was fooled out of their money. They can recall what hasn’t been moved out, but they don’t owe you a thing.
They do if it's their phone number being used, and if the account has been breached- which, given the information thos fraudster already had about her account, it had been. The company is responsible for the safety and security of their clients. If we blame anyone, blame the bastard scammers who think innocent people should suffer.
I had my card skimmed years ago - it was used in Thailand to take cash out. I was in the UK at the time, and my bank called me to ask if it was me using the card in Thailand, which of course it wasn't. The fraud team dealt with it very quickly and the money that was stolen was refunded to me - it was a much smaller amount (£140 ish) but still, the money had gone out of the bank but they still refunded me because their systems had allowed a fraudulent transaction to take place.
@@thesandwich5321 This is all data commonly(not quite so much now) found in peoples rubbish ,discarded statements and bank letters have been used for decades and would explain the info they had ,Hardly the fault of the Bank ! The use of the phone number is the stand out feature of this con.
@@thesandwich5321 the number was spoofed and the recent transactions could have easily been found on a discarded statement in her bin. The bank isn't at fault here.
my rules to avoid being scammed is when someone calls me and claim to be someone, I will ring the someone that they claim to be instead of talking to someone who called me that claim to be someone.
That £8000 refund represents about two seconds worth of profit for the bank. Why on Earth can’t the banks work together in combatting this type of fraud.
World will be a better place if all the media people do what Joe does. Mate you truly deserve a knighthood for helping people. Love keep up the good work to you and your team
She did a reasonable amount of due diligence & this was a sophisticated scam, surely they should have recovered this on her behalf. Heartbreaking, and too common. Clearly everyone can be scammed judging from this ~ a good way to make a serious topic funny!
Money can't be recovered if the owner authorised the transaction. It's as simple as that. The world would be in chaos if you could literally reverse any bank transfer for any reason.
I am so glad i found this show few days ago, every episode i watch is funny and has a humanitarian aspect added to it which makes it very relatable. You rock Joe Lycett.
Joe you are awesome. These fraudsters are so convincing. The biggest concern is that they new her details and transactions. As an ex bank person I would close all accounts and move to a different bank.
While I'm glad that the lady got her money back, I don't agree with Joe's action of publicly shaming the bank. NatWest did nothing wrong and in all honesty, when anyone asks you to move money to a different account and goes to such lengths to prove their legitimacy, there's got to be something fishy. But thumbs up to NatWest and Ross McEwan for reimbursing the lady, they are under no obligation or accountability to do that.
@@tomkenning5482 That most likely came from a recent statement that she didn't shred. It can be difficult for legitimate customers to get through security.
Tom Kenning Yeah, the bank would not have a data breach and not declare it - all companies are required to declare events like this. She probably has a statement intercepted, or online accounts compromised, or somehow leaked her transaction data.
She shouldn't get her £8,000 back! She made the mistake, banks make it very clear they do not make these calls, her blatant failures to spot fraud are on he own back
That is easy. The number you see means nothing, its just a display text basically. Its just a shame that people are never told that this is the case, most think that number actually means the call does come from that number but it does not at all. Maybe you use an IP based calling service like Rebtel. There you can call via the internet to a phone, but the caller will still see the phone number you registered with. Despite the call havening nothing to do with your phone at all, since you call via the internet.
@david sanders Yes. ALWAYS disconnect the call, and then phone back using a different phone, to an official number. Even better, go to your nearest branch and ask them to verify it. These bastards are getting more and more sophisticated, it's ridiculous.
I got a call from a well known phone company who told me they were going to cut off my internet. After confirming their address, I confirmed I was in that very building on another floor and invited them down to my office for a nice cup of tea, seemed to get cut off at that point. Shame, I was looking forward to that tea break!
I feel like that's a big element of distinguishing scams from legitimate phone calls. If there's some sort of subtle or implied threat from the person (if you don't give us this we'll remove service x) then it's 99.9999% a scam. A real organisation will not use threats of any kind.
See this is the type of people we need in this world! Joe/Hugo idk which to say, is actually using his fame and putting it to amazing use by helping people whilst also giving other people a good laugh at the same time
Dont put any letters with sensitive information in the recycling. Its a way people can get paperwork for fraud. One letter would have your past transaction name address and bank account details from one letter
@@Chris-top-her But presumably you can't get that information without some proof of ID? Things like an account number which they wouldn't be able to get hold of?
@@kapitankapital6580 some banks you can call up and they locate you on the system with name and date of birth for example. Or the victim has become a target through an existing data breach which could have card numbers/account numbers and then the fraudsters work onwards from there
Who the hell falls for these kind of scams?? And who does that kind of stuff via telephone when the other side is the one calling? Simply hang up and call their official number to ask whether there is any legitimacy to it
You know, for the fact that Joe has on multiple occasions disputed being what the culture would call a "Lad", this is a pretty madlad thing to do and an absolute lad moment in my book
Exactly the same thing happened me about the same time but with Barclays, called me on the Sunday afternoon from the number on back of my card. They stolen all my details but luckily I didn’t transfer any money. After all the guy said he have to move Ofice and going to call me back from another number... I waited 30 min but no call. So I call Barclays, explained what just happened and cancelled my card. I was lucky! 🙏🏻
I had my PSN account stolen as a kid, and for that reason I have never and will never be caught by fraudsters who demand passwords etc... If someone says they can get you mod menu’s by logging into your account, say no kids🤣
Brilliant! A good result so happy she got her money back they should've added compensation too since the public bailed them out when they were reckless with PPI and bad investments.
