Have you considered the following?
Personal Data has been stolen en masse.
The new “Owners” of that data, now set up a website with it, reflecting what at the time is accurate information based on the data stolen.
The fraudulant website - then sends emails out, inviting people to “correct mistakes”.
The info is only what you already know - Eg. the stolen info about yourself, with no info about your real credit rating with “Experion”, because the site “linked” - actually has no access to experion itself, it just calls itself that to lull you into a false sense of security.
This “Fake Website” then goes through the following with you, the reeled-in “scam victim” who was actually scammed - the moment they hit the link to what they thought was the “Experion” website.
You are invited to change your password, which then gives the site access to your real, updated passwords for other sites.
You might even be daft enough to give them your bank passwords in request, as they already know, and have reflected back to you - your bank, sort code, address info etc.
THIS is the scam!!!
Whilst there IS a real outfit called “Experion” - it is a fantastic “Cover Front” for any would-be hacker in possession of fresh, but fast going-out-of-date data to glean both more data out of the “Mug” who hits that link, and verify the data they already have on you…
You can have a similar experience with a dodgy cash machine “front”;
You insert your card, it invites you to type in your PIN, and you do. It gives you your balance, and then says the machine cannot dispense money, because there is a fault.
Congratulations! - Your card and pin number have just both been harvested, and a new cloned card can be made on 3-d Printer to empty your account.
You, meanwhile - didn’t even realize you’ve been scammed!
It is night time, and you need fuel.
You pull up at a well-known chain of night pay forecourts, fill up at the island as usual, and go to “night pay” to profer either your own personal card, or the company card if you’re in the truck you’re driving…
As you pass your card under the “Pay Well”, there is a little camara resembling the one that looks downwards at the road ahead in your cab, looking down into the “Pay Well”. Maybe it is a more subtle camera, in what looks like a nearby “Pen” for example, or even what looks like a “Vaper” about a foot away from the pay well…
Congratulations! - Your card and BACK NUMBER have just been harvested, and a new cloned card can be made on 3-d printer to empty your account, but this time only on INTERNET and SWIPE transactions with that card. - the transactions where you are requested to put the 3-digit number on the back in, for “Authorization”… If your card is “Swipe” rather than “Chip and Pin” - then the PIN isn’t requested before the money gets taken out of your account, so the “Harvesters” - don’t need it in the first place.
If it is the fuel card proferred, then a massive database of “company fuel cards” is then built up, which can be dipped into en-mass by the organized criminals that run these schemes, with the “Company” not suspecting a thing, because the transactions put through are typically around the £40 mark, rather than suspiciously high amounts that would get anyone’s attention at company fuel card admin stage…
Congratulations! - You’re aiding and abetting money laundering on an industrial scale as an unsuspecting “Mule”.
Even your Haulage Yard are in on it, without realizing of course, as they helpfully write the PIN number (if any) on the fuel card - do they not■■?
Staff at the forecourt are probably NOT “In on it”, but if they ARE - then they might invite you to put “other stuff” on a fuel card transaction, which they nicely offer to “not itemize” at the billing point… That’s outright fraud, so don’t be tempted there folks, to stock up on road maps, latte coffees, choc bars, and emergency triangles…
Note that I don’t add the caveat here “Conspiracy Theory” btw…
The final part of the “Scam” common to all three of the above - is that “money isn’t taken straight away”…
Why not?
If you were even suspicious of the fact you may have been scammed - what is the first thing you’ll be doing?
Checking your next bank statement for one.
Nothing amiss, you quickly forget that anything untoward happened that other night…
Then, months later - a transaction for £39.44 goes out of your account for “Fuel”.
You don’t think anything of it, as where and when you fueled - is a distant memory by this point.
A month after that, a transaction for £29.99 goes out of your account for “Amazon”
Again, you don’t think anything of it - as you do buy things on amazon from time to time.
Three months later, a transaction for £25.00 on “Ebay” goes out…
Hold on a minute - You don’t have an Ebay account, let alone have not done any transactions AT ALL on EBay…
NOW you start to get suspicious, and you change your card and PIN straight away. This prevents further “Bleeds” of your cash out of your account, and IS the right thing to do when you finally realize you’re being “skimmed” every month in this way.
The bank won’t be refunding your money already lost though, and no criminal ever even gets a knock on the door by the police.
Fantastic racket - isn’t it?
Everything I’ve described above - is already endemic around this country, and beyond…