There seems to be a scam warning every other week.
Last year, more than $10 million in scam losses in New Zealand was reported to Netsafe. The number was probably a lot higher in reality, because people are often reluctant to own up to having lost money to a scammer.
A sophisticated attempt has been doing the rounds for the last little while, using Inland Revenue branding to try to convince people to hand over their credit card details.
It usually says there's a big tax refund waiting. You can understand why people jump at it.
It's really important to be scam-savvy and avoid getting caught out.
There are some basic things to watch for — lots of scam emails have really poor written English, spelling mistakes and expressions that just sound wrong.
Check the address the email has come from, and the address it directs you to, if it's sending you elsewhere. Sometimes these are really close to the original but not quite. In the recent IRD case, it came from email@example.com.
Any time someone contacts you out of the blue and offers you something, it's worth being wary.
Most reputable companies won't ask you for your personal details, including your password or your credit card details, over email.
If someone is threatening something, such as account disconnection, that's often a sign of a scam, too.
Keep payments within online trading and booking sites.
Netsafe says it's also worth being wary of requests that are just a bit unusual. Scammers try to use payments that can't be traced such as pre-loaded debit cards, gift cards that can be used online, iTunes cards or money transfer systems.
If it's an organisation you normally deal with and you're not sure, ring the organisation in question and ask. You can also contact Netsafe for free advice.
It's better to take some time at the outset to ensure you're not being fooled, than to have to spend weeks or months chasing money lost through a sneaky scam.
Jeremy Tauri is an associate at Plus Chartered Accountants.
Phone: (09) 438 3322
Fax: 438 8455
134 Bank Street, Whangarei
If we had to sum up Brent and the team at Plus CA it would be - humorous, efficient, professional with a real focus on making your money work to its best ability for you...we will continue to deal with them even though we are moving overseas as we know they have our best interests at heart.
Jeremy thank you for your patience, assistance and general chit chat over the years. I would have absolutely no issue in recommending your services to everyone and anyone – in fact, I do.
We recently employed Jeremy Tauri of Plus Chartered Accountants and have been thrilled with the improved service we have received. Jeremy is really approachable and always available to answer queries. At his instigation we have set up quarterly meetings so that we are regularly reviewing our business and avoiding any ‘end of year surprises’.