A Solihull couple is sharing their cautionary tale after narrowly avoiding a costly scam involving a fraudster impersonating a TSB bank employee. The ordeal began when Gillian Carroll received a call last weekend from a man claiming to represent TSB, informing her that suspicious payments had been detected on her husband’s account.
Initially hesitant but aware that her phone number was linked to her husband’s banking details, Gillian listened as the caller instructed her to check text messages on her husband’s phone. These messages bore the authentic-looking TSB logo, lending an air of legitimacy to the fraudster’s story.
The scammer inquired about two payments—one recognized by the couple and another unfamiliar £300 transaction. He urged them to use the banking app to stop the suspicious payment. Despite initial doubts, her husband attempted to approve what the caller described as a refund transaction. Another payment of £480 was later mentioned, further raising their suspicions.
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Things took a darker turn when the caller suggested switching to WhatsApp for a video chat and involvement of the Foreign and Commonwealth Office (FCO). The scammer requested screen sharing access, but luckily, Gillian’s phone blocked the attempt.
Trusting her instincts, she decided to end the conversation and independently contact TSB. Upon doing so, the bank confirmed the £300 payment had already been flagged, and they promptly blocked her husband’s card to prevent any unauthorized transactions.
Reflecting on the event, Gillian admitted, “In hindsight, I realise we were silly, but it was a very convincing scam.”
TSB fraud expert Steph Harrison warns, “Fraudsters often impersonate banks or law enforcement with highly persuasive calls and texts. Remember, your bank will never ask you to authorize payments or transfer money over the phone. If you’re unsure, dial 159 to verify whether the contact was legitimate or a scam.”
The Carrolls’ experience serves as a reminder to stay vigilant and trust your gut when something feels off.