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Fraudsters are finding new ways to part us with our cash by pretending to be legitimate salespeople on the phone, on the internet and through the post. And that's as well as the nuisance calls, emails and letters we get from genuine companies that are annoying in themselves. So what can you do to stop these coming through, and how can you get your own back on the persistent ones? We have some ideas...
Marketing phone calls You can stop nuisance calls by registering with the Telephone Preference Service online or phone them on 0845 070 0707. Under the Privacy and Electronic Communications (EC Directive) Regulations 2003, it’s illegal to make unsolicited marketing calls to anyone registered with TPS. Any poor fool (in the UK at least) that does has to pay a large fine for even one call ,so you only have to tell them that you’ve registered to get them scurrying off the phone.
Marketing letters Even with the credit crunch biting, millions of sales letters are going out all the time to UK consumers, offering loans, credit cards and so on. Then there are missives from plumbers, photo developers, cleaning companies, catalogue companies and local food producers which are all adding to world deforestation. If you don't want this junk you can stop it - or the majority of it anyway - by registering on certain lists: Spam! Spam, and the viruses that they sometimes carry, can make receiving emails a misery. However, there are ways to avoid it, or at least cut it down to a manageable level: - Don't reply to Spam - it only makes your address more valuable to Spammers. Don't try to 'unsubscribe' either as that will just tell them you exist.
- Don't open any unexpected attachments, especially from unknown sources.
- Don't put your email address on websites (even your own). If you need to put a contact email either put it in JavaScript or write it out in this way 'name at moneymagpie.co.uk'.
- If your email provider has a 'spam' button, use it when you get missives that you know unwanted and unrequested.
- Get yourself some 'disposable' email addresses. Several companies now do them. You set up an email address and as soon as it gets spam sent to you you switch to another one in the same 'suite'. An article on About.com here gives a list of some of the main providers of this service.
- If unsolicited email seems to come from a familiar source (i.e. eBay, Amazon etc.) requesting personal details - don't follow the link. Log on in your usual way using your browser. For more about cybercrime and Internet nasties, see here.
- Get a good firewall and a strong anti-virus system. There are various options on the market and some are free. AVG, for example, does a good, free version that you can download (although, of course they will try to persuade you to go for their souped-up, paid-for one). For just under £40 you can get a Norton AntiVirus programme to give you full internet security. McAfee are offering their Internet Security Suite (which stops spam, they claim) for £24.99 right now.
- Attempt to cut down email spam by registering your email address at www.dmaconsumers.org (it doesn't do a lot but it's a start).
Get your own back - go on, it's fun!
Even if you have put into practice all the tips above, you could still end up getting sales calls or mail from companies registered outside of the UK. So what do you do about those? Well, you get your revenge. Try these tips for getting your own back on the annoying, and sometimes criminal, sellers:
For cold-callers...
Try these three little words: 'Hold On, Please...' Saying this, while putting down your phone and walking off (instead of hanging-up immediately) would make each telemarketing call so much more time-consuming that boiler room sales would grind to a halt (we hope). Then when you eventually hear BT's 'beep-beep-beep' tone, you know it's time to go back and hang up your handset. You have efficiently completed your task.
For, even more annoying, computerised calls...
Do you ever get those annoying phone calls with no one on the other end? This is a telemarketing technique where a machine makes phone calls and records the time of day when a person answers the phone. This technique is then used to determine the best time of day for a
'real' salesperson to call back and get someone at home.
What you can do after answering: If you notice there is no one there, is to immediately start hitting your # button on the phone, six or seven times, as quickly as possible. This confuses the machine that dialled the call and it kicks your number out of their system. Try it - it's better than just swearing.
N.B. Do listen to the first few words of the message, though. Some credit card providers are now contacting their customers this way if they suspect that someone is using their card fraudulently. If this is your bank or credit card provider, don't hang up. Do make sure it's genuine, though, as fraudsters will quickly be catching on to this and will start setting up dodgy computerised calls purporting to be from your bank. Typical!
For wasteful, forest-destroying, 'pre-approved' letters from financial companies... When you get these do not throw away the return envelope. Most of them come with postage-prepaid return envelopes and it costs them more than the regular postage if, and when, they are returned. It costs them nothing, though, if you throw them away. So, why not get rid of some of your other junk mail and put it in these postage-prepaid return envelopes.
Send an advert for your local builder to Barclays. Send a pizza coupon to Capital One, in case their canteen packs up. You get the idea. If you didn't get anything else that day, then just send them some leaves from your garden, or a shopping list. Give them something to think about. If you want to remain anonymous, just make sure your name isn't on anything you return.
You can even send the envelope back empty if you want to just to keep them guessing! It still costs them, and it is their envelope after all ... you are just returning it. Let's let them know what it's like to get lots of junk mail, and best of all they're paying for it. Twice!
Do you have any other fun ideas for getting your own back? Let us know about them on the messageboards. Getting started Useful Links
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