Merry Phishmas? How to avoid scams this holiday season

It's the most wonderful time of the year – or is it? While many people are filled with the spirit of the festive season, there are a collection of individuals who certainly are not wishing for peace and goodwill to all mankind. I'm talking, of course, about all the scammers, hackers and other ne'er-do-wells who will stop at nothing to get their hands on your data, your money or even your identity. This includes taking advantage of the season we're in, or forcing you into a heightened emotional state in order to manipulate you.

We often recommend using software like the best VPNs and the best antivirus to stay safe online – but even these can't always help if you're fooled by a scammer. In this article we'll explore some common scams, how to spot them and how to combat these holiday nasties. Fake delivery scam The internet has made shopping for Christmas gifts so easy.



No more trekking to the mall and spending hours trudging round various different shops to find the perfect gift – instead you can virtually trudge from shop to shop online! However, this has made it very easy for people to fall into scams at this time. Scammers will send you a phishing link, pretending to be from a delivery company. They will entice you into clicking on the link in a number of ways, including: I received one of these texts recently, and I was surprised at how realistic it was at first glance, especially as I was waiting for some packages to be delivered.

Remember that a legitimate delivery service will not ask for you to supply personal information, or to pay an extra fee on top of the delivery you have already paid. Other things to look out for are: It's also important to note that when you do miss a delivery, the delivery company will contact you in some way, whether this is via email, text or a note dropped through your door, letting you know that the parcel was not delivered and giving you a time frame of when redelivery will be attempted. Fake website scams Speaking of online shopping, it's not just fake deliveries you need to look out for – it's fake orders, too.

When looking for presents online, you might be tempted to look for the absolute best deals and get a little extra holiday cheer. However, these deals may be simply too good to be true. Some scammers are using the draw of getting a good price on presents by setting up fake websites that offer you excellent deals that simply aren't real.

These fake websites are set up in order to steal your personal and financial information. You can spot these fake websites by: Overall, it's better to be safe than sorry and if a deal seems too good to be true, this may mean that it is. When in doubt, try to buy things from the brand directly, or a trusted and well-known retailer, in order to avoid dodgy websites.

Fake PayPal invoices This time of year also brings a lot of deadlines and a rush to get things sorted before offices close until the new year. Sneaky hackers have been using this to their advantage, though, by sending fake invoices. I personally have received not one, but two of these phishing invoices recently, complete with a note about potential fraud and a number for me to call if I don't recognise the invoice.

Sneaky, huh? While these scams are shockingly close to any official emails you may have received from PayPal, there are a few key things to keep check if you're trying to spot a scam: If you have received a fraudulent PayPal email, do not click on any links and instead forward it to [email protected] , then delete the email from your inbox. The 'Hi Mom' scam This scam was particularly prevalent this time last year, so it's important to be aware of it in case it makes a resurgence.

It's targeted at parents specifically, so if you have children this awareness is especially important. In this scam, the perpetrator takes advantage of the fact that many people will be travelling home to see their families during the festive season, and that we all want to see our loved ones home safe and sound. The scam starts with a text from an unknown number that usually starts with 'Hi mom'.

The scammer will then pretend to be your child, explaining away the fact that the number they are using is not the number you have saved for them by claiming that they have lost/had their phone stolen. The scam progresses by asking you to send money to their 'friend' (who is in reality the scammer themselves, a mule or even another scammer) so they are able to pay for a new phone, or pay for travel to get home. If you are unsure as to whether it is actually your child contacting you, call or text them on the number you have saved for them, not on the number that is claiming to be them.

Fraudsters pretending to be your bank While Christmas is a time of love and joy, it can also be a time of feeling the strain of buying various foods, gifts and other things that make the season bright. It's important to note that scammers frequently use information collected about you in other data breaches in order to successfully pose as your bank. This includes things like: This can make the call very convincing, and means that you cannot rely on a caller having your personal information as a sign that they are legitimate.

They also may use a spoofed number so they appear to be calling from an official number. It's important to remember that the scammers will induce tactics to cause you to panic, for example by telling you that credit cards are being taken out in your name, or that there are hackers draining your bank account. This panic can cause you to act in ways you wouldn't usually.

Remember that your bank will never ask you to share a One Time Passcode (OTP), or move your funds to a different account. If you are ever unsure when on a phone call with someone who claims to be your bank, hang up the phone and call the number for your bank supplied on your bank card or the fraud line supplied on their official website. Avoiding scams this Christmas So, with these scams in mind, hopefully you and your loved ones will be able to stay safe this holiday season.

Be warned, though, that this is not an exhaustive list of all the scams out there – those looking to steal your data, money or identity are sneaky and will frequently change up the way their scams operate in order to avoid getting caught. With this being said, the scam-spotting techniques will help you when you come up against any kind of probable scam. When in doubt, do not send any of your personal information or money to anyone.

Additionally, if you think you have discovered a scam, or been scammed, you can report or look it up using the Better Business Bureau Scam Checker ..