A Solihull couple have shared a cautionary tale following a near-miss with scammers impersonating their bank, TSB. Gillian Carroll recounted how a phone call from someone claiming to be a TSB employee nearly resulted in a financial loss.
Last weekend, Mrs. Carroll received a call about her husband’s bank account. Although initially hesitant to engage, she listened as the caller explained that suspicious payments had been flagged. The caller urged her to check messages on her husband’s phone, which displayed texts bearing the official TSB logo, making the communication appear authentic.
The caller questioned whether certain payments—one recognized and another for £300—were authorized. He then instructed them to access the banking app to halt the questionable transaction. Despite some doubts, her husband approved a refund request for the £300 amount.
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Suspicion grew when a second payment of £480 was mentioned. The scammers then attempted to switch communications to WhatsApp video chat, suggesting involvement of the Foreign and Commonwealth Office (FCO), and requested screen sharing. Fortunately, Mrs. Carroll’s phone blocked the screen-sharing attempt, prompting her to trust her instincts and call the official TSB bank number.
Upon calling TSB directly, the couple learned that the £300 payment had already been flagged and the bank immediately acted by blocking her husband’s card. Reflecting on the experience, Mrs. Carroll admitted, “In hindsight, I realise we were stupid.”
TSB Fraud Expert Steph Harrison emphasized the tactics used by fraudsters: “They often pose as banks or law enforcement to manipulate you into handing over money. Remember, your bank will never ask you to authorize payments or transfer money over the phone.”
If you ever suspect fraud, Harrison advises calling your bank directly or dialing 159 to verify any suspicious contact.
This incident serves as a stark reminder to remain vigilant and cautious when receiving unsolicited calls about your finances.