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Warning as courier fraud scammers trick people into handing over gold

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SCAMMERS are continuing to target people in new ways, with victims now being asked to buy gold to hand to a courier working for the police.

Last week an elderly woman in West Wales fell victim to courier fraud after being conned into believing she was working with police to prevent fraud. She was tricked into buying £25,000 of gold and handing it over to scammers.

DC Gareth Jordan, from Dyfed-Powys Police’s cybercrime team, said the recent crimes had seen victims called by someone purporting to be a police officer from Paddington Police Station.

DC Jordan added: “The fake police officer tells them about fraudulent activity on the persons bank card, or tells them that they need to transfer money to another account due to suspicious activity.

“It is the prelude to courier fraud, where someone comes to pick up the bank card, after extracting all the details such as PIN from the victim, or getting the person to go to the bank to withdraw money that can then be collected or sometimes transferred into other accounts.”

Since October the force has received complaints of 62 courier fraud calls. Thankfully 52 of the potential victims realised it was fraud, with a further five prevented when the bank intervened.

Sadly, five people fell victim to the criminals – two handed over gold, while three gave cash.

Their total losses were £63,000.

“We are working to make bank staff to look for the tell-tale signs of this, and contacting their branch managers to ensure staff are aware,” said DC Jordan.

“We are asking PCSOs to visit banks that are open on their patch and ask bank staff to inform any customers withdrawing money or transferring money about this scam.

“This scam is often aimed at the older generation, who have a respect for the police and may fall for the story that much more readily.

“What is worrying is that it can be just the start of further fraudulent activity including phoning the victim up stating they are the bank and getting the victim to transfer money to another account in the deceitful belief that their own account is now at risk due to fraudulent bank card use. The third part is investment fraud and gold purchases.”

The three phases of courier fraud

The scam begins with a person, usually male, phones the victim pretending to be a police officer. The bogus police officer explains that the victim’s bank accounts are under threat from fraudsters.

He convinces the victim to participate in a fictitious undercover police operation to catch the fraudsters and safeguard their funds.

They are told not to inform anyone, including their bank, as bank staff are equally under suspicion. Often the bogus police officer discloses private financial information about the victim, which is used to encourage the victim to trust them.

First phase: To influence the victim, the suspect asks about his/her bank account balances and overdraft facilities in place. The victim is then instructed to withdraw a small amount of cash (depending on victim’s bank balance). Victim is instructed to hand over the cash to a courier who must confirm a password/pin number provided by the suspect. Victim is later called on the phone and told most of the cash was identified as counterfeit.

Second phase: Once the victim trusts and believes the suspects’ instructions, he/she is provided with several bank account numbers (mule accounts). Victim is instructed to move a large amount of their money (often £100,000 to £300,000) into what is purported to be “safe” accounts, which are actually the mule accounts. Often the holders of the beneficiary accounts are third parties (patsy) who are unaware of the sources of the credit in their account. The money is quickly dissipated from the beneficiary accounts into accounts outside UK jurisdiction. Monies in the beneficiary account may simply be withdrawn from any UK ATM.

Third phase: Victims are instructed to either buy gold bars or high-valued watches. Again these items are handed to a courier who confirms a password given to the victim over the phone by the suspect.

DC Jordan said the order of the phases changes from victim to victim.

He said: “The suspects invest a considerable amount of time and effort in building a rapport with the victim.

“They usually instruct the victim not to divulge any details to anyone because the ‘operation’ must remain covert. Victims are coached with a cover story for bank staff, if their transactions (unusual) are flagged by the banks safety measures.”

Please remember – and tell others . . .

  • The police, or your bank, will never ask you to withdraw money or transfer it to a different account.
  • Your bank will never send a courier to your home
  • Your bank and the police will never collect your bank card
  • Your bank and the police will never ask you to reveal your full banking password or PIN
  • If you receive one of these calls, end it immediately
  • Do not click on links or attachments in unexpected or suspicious texts or emails.
  • Confirm requests are genuine by using a known number or email address to contact organisations directly.

If you think you, or someone you know, may have been targeted by scammers, please report it to us online: 

https://www.dyfed-powys.police.uk/en/contact-us/report-an-incident/, by email 101@dyfed-powys.pnn.police.uk or call 101.

Always call 999 if you feel you are in immediate harm or danger.

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Amendments introduced to the Cardigan Safe Zone

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AS MORE people are expected to visit Ceredigion’s towns over the coming weeks and summer months, changes are required to ensure our streets are safe for everyone, by allowing people to maintain a 2 metre social distance at all times.

Introducing changes over the Easter period has meant that some amendments will be made over the coming weeks.

Following a review, the initial phase of the Safe Zone (Phase 2) for Cardigan will be amended to Phase 2a, with Morgan Street and The Strand remaining as a one way system (unchanged current arrangement).

Road closures affecting the High Street in Cardigan will commence ahead of the May Bank holiday weekend at the end of May. The road closures will be between 12pm and 4pm daily.

As part of Phase 2a, the following work is being undertaken:

  • Placing road markings for all disabled bays along High St & Pendre
  • Placing loading bay road markings opposite Dewi James Butchers
  • Introducing new reflective bollards to replace the red/white baulks. This will allow traders to operate in the road as per their licence. The widened footpaths within the trading areas in the road will be raised to the same level as the adjacent footpaths to create a flat accessible area for pedestrians.
  • Placing a chicane outside the Black Lion Hotel to slow traffic flow
  • Implement a one way system along College Row to improve pedestrian safety
  • Reversal of one way along St Mary St to allow access to Chancery
  • Close the top of Pwllhai for licenced trading and pedestrian safety

A map of Cardigan and all the latest information on the Safe Zones is available on Ceredigion County Council’s website: www.ceredigion.gov.uk/safezones   

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New Quay youngster answers RNLI’s mayday call and raises nearly £2,000

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OVER the May Day Bank Holiday weekend a New Quay schoolboy took to the water on his paddle board and raised nearly £2,000 for the RNLI Mayday Mile appeal. He is now urging more people to take part this May in any way they can to raise funds for equipment before the busy summer season on the coast. 

Steffan outside Newquay RNLI lifeboat station after completing his challenge

Steffan Williams, 12, a pupil from Ysgol Bro Teifi answered the RNLI’s mayday call for fundraising and decided to not just do one mile on his paddleboard but attempt 10 miles in one day. He is now encouraging more people to get involved with the appeal to raise funds.  

Steffan said, “The RNLI Mayday Mile is a great way to raise money for the charity that saves lives at sea as you can do one mile or 100 miles in any way you want. You could run it, walk it, dance it and make it fun in fancy dress. 

Steffan Williams before his challenge on Sunday May 3

“I decided to take to the sea on my paddleboard, and I am really pleased I completed my challenge of 10 miles in one day. It was really hard going as the wind picked up in the afternoon but I did not want to give up. 

“I have been really shocked at the support and want to thank everyone who has donated, I am so happy!” 

Steffan’s total so far is £1,812 and he is the RNLI’s top individual fundraiser in the UK and Ireland. To support Steffan visit https://themaydaymile.rnli.org/fundraising/steffans-paddleboarding-mayday-challenge

The RNLI’s Mayday Mile campaign will be running throughout the month of May and anyone can take part by joining up on the RNLI’s Mayday Mile website https://themaydaymile.rnli.org/.  

With more people expected to be holidaying close to home this year, the RNLI predicts a summer like no other.  

Roger Couch, New Quay RNLI’s Lifeboat Operations Manager said, “Steffan has done a fantastic job on raising so much money for the charity and we are very grateful indeed. He is a true hero. This summer we expect to be very busy and urge people visiting our coast to take the necessary precautions.  

“Always check the weather, the tides and if you are on the water remember to wear a buoyancy aid and take means of calling for help, a mobile phone or radio. Remember we are on call 24/7 so if you see anyone in trouble on the coast please call 999 and ask for the Coastguard.” 

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Contact Hywel Dda for second vaccine appointment

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HYWEL Dda University Health Board (UHB) is asking anyone who received a first Pfizer vaccine at one of its mass vaccination centres in Carmarthenshire, Ceredigion or Pembrokeshire more than 21 days ago to get in touch if they have not received a second vaccine appointment.       

Ros Jervis, Director of Public Health for Hywel Dda UHB, said: “Second doses are essential for longer term protection, so it’s important that everyone comes forward for their full course when called.

“Our records show that a small number of people across our three counties have not responded to our invitation to receive their second dose. We won’t leave anyone behind and there is still time for them to receive it within the required timeframe.”

Additional clinics will be put on in the next couple weeks to administer these second doses. If it has been more than 21 days since your first Pfizer vaccine please email COVIDenquiries.hdd@wales.nhs.uk with the subject title “Second Pfizer dose request” with your full name, date of first vaccine and a contact phone number to book your appointment. If you are unable to email you can also contact the health board by calling 0300 303 8322.

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