Tag: safeguards

UK is suffering a hidden ‘scandemic’ that’s destroying fraud victims’ lives

Thousands of people’s lives are being ruined every day in the UK by a hidden scam epidemic, according to a law firm that specialises in fraud recovery.

Richardson Hartley Law says that the country is in the grip of a ‘scamdemic’ and is calling for the Government, banks, tech giants and social media companies to do more to prevent fraud which it says is only going to get worse. 

The law firm has set up a new specialist brand and website called NationalFraudHelpline.co.uk which, not only recovers scam victims’ money on a no win, no fee basis, but is developing anti-fraud technology, campaigning for better scam safeguards and raising awareness of the scale of the problem.

The website has the latest scam news and advises the public how they can protect themselves from fraud. 

Calls for better protection comes after new rules  were introduced last week(7.10.24)  that mean that UK banks should reimburse fraud victims within five business days if they paid the scammer via authorised push payment (APP), which is when customers pay via their banking app or through logging in online.

Solicitor Martin Richardson, senior partner, at NationalFraudHelpline.co.uk, welcomed the new fraud regulations imposed by the Payment Services Regulator but said he was disappointed that the banks had recently pressured it to reduce the maximum that they had to pay out from £415,000 to £85,000.

Mr Richardson said: ‘There’s a hidden fraud pandemic in the UK that’s being hugely under-estimated. We’re describing it as a “scamdemic” and the impact is devastating. Many victims of fraud are having their lives ruined. We deal with people who have been left homeless, split up with their partners, been plunged into depression and forced to take on extra jobs.

‘Fraud is a multi-billion pound global business. Many victims in this country are falling victim to frauds that are perpetrated by people held in slave camps in South East Asia. where an estimated 200,000 people have been human trafficked and are forced to commit scams.

‘International criminals are harnessing the power of technology to commit increasingly sophisticated scams. With the advent of AI this is only going to get worse, and quickly.

‘We worry that reducing the maximum reimbursement threshold from £415,000 to £85,000 gives the banks less motivation to put in proper fraud prevention measures. There’s also a danger that this means some banks will cap the amount of compensation at £85,000 rather than compensate the full amount.

‘We’re determined, not just to get victims’ money back, but to create proper fraud prevention measures and raise awareness of how big this issue is. Millions of people are scammed in the UK each year. 

‘Technology and the internet is in everyone’s lives and it’s been a gift to fraudsters. It’s unlocked the doors for scammers who use every opportunity to steal people’s money.

‘The Government, big tech giants and social media companies all need to do much more. So many of the scams we see come through Facebook, Instagram and Whatsapp as well as emails.’  

NationalFraudHelpline.co.uk has joined forces with leading UK Artificial Intelligence company, Time Machine Capital Squared, to create innovative anti-fraud technology solutions.

A spokesperson for Time Machine Capital Squared said: ‘We are confident that Machine Learning and AI are vital tools in the fight against fraud. AI will be particularly effective in helping to quickly thwart new frauds as scammers change their tactics and targets.’

The law firm is also campaigning at a national level for better fraud prevention and is sponsoring a report into ‘Banks and APP fraud’ commissioned by the All Party Parliamentary Group for Fair Banking. The report will look at how the new APP fraud measure are working and what more can be done.

Mr Richardson said: ‘It is estimated that in 2024 one in ten people will fall victim to a scam which will total £7.5bn. That is an incredible number. The banks are suggesting people are being defrauded of around £400m a year through APP fraud alone. We believe that the true figure is between £3b to £4b.

‘The issue of fraud needs to be high up on everyone’s agenda

 ‘Fraud is particularly cruel. For victims of romance fraud, for example, they not only lose huge amounts of money but are simultaneously left heartbroken. The stories we hear each day are heartbreaking.’

Stronger guidance and controls needed to protect children from screen time, says Westminster report

For young children, the benefits of screen time are significantly outweighed by the risks, a report by Westminster’s Education Committee has found.

The committee has published its report “Screen time: impacts on education and wellbeing”. 

There has been a 52% increase in children’s screen time between 2020 and 2022; nearly 25% of children and young people use their smartphones in a way that is consistent with a behavioural addiction.  

Screen use has been found to start as early as six months of age. One in five children aged between three and four years old have their own mobile phone, increasing to one in four children by age eight and to almost all children by age 12. The amount of time those aged 5–15 years old spent online rose from an average of nine hours per week in 2009, to 15 hours per week in 2018.  

As well as harms to mental and physical health, screen time can disrupt pupils’ learning both at home and in the classroom, as it can take up to 20 minutes for pupils to refocus on what they were learning after engaging in a non-academic activity such as browsing the internet or noticing a notification on their phone.             

 The report strongly supports the tougher guidance on keeping phones out of the classroom and breaktimes that the Department recently issued. However, the Committee heard mixed evidence on how well taken up this will be, we therefore recommend formal monitoring and evaluation of this approach by the next Government with the possibility of a statutory ban if needed.  

The Committee also concludes that screen time should be minimal for younger children and better balanced with face-to-face socialisation and physical activity for older ones.  

Parents need clear guidance from Government on managing children’s screen time, and in particular advice to parents of babies and young children should be revised to ensure it gives sufficient attention to face-to-face interaction and warns of the risks of screen time in reducing opportunities for this. 

While the Online Safety Act 2023 will undoubtably play a role in keeping children safe from online harms, the Committee is concerned that children will not feel the full protections of the Act until implementation is completed in 2026.   

79% of children have encountered violent pornography before the age of 18, with the average age that children first see pornography being 13 years old. Some 81% of girls aged 7-21 have experienced some form of threatening or upsetting behaviour, and online sexual crimes committed against children online has risen by 400% since 2013. 

One in five children (19%) aged 10-15 experienced at least one type of bullying behaviour online, and out of them, around three-quarters (72%) said they experienced at least some of it at school or during school time. 

It is clear that the entire system surrounding the digital age of consent and how it is verified is not fit for purpose. The Committee heard no evidence to suggest that 13 is an appropriate age for children to understand the implications of allowing platforms access to their personal data online.

Yet even with the digital age of consent currently formally set at the lowest possible level, it is widely ignored and not effectively enforced. This must change urgently. The next Government should consult on raising the age of digital consent and should recommend 16 as a more appropriate age.  

The report also calls for the level of digital age of consent to be effectively enforced. The Online Safety Act 2023 allows for substantial fines or even imprisonment for executives of companies who breach its rules, and the Government should consider how this approach can be applied to social media companies who knowingly breach age verification requirements and expose children to addictive content which is not appropriate for them. 

Within the first year of the new Parliament, the next Government should work alongside Ofcom to consult on additional measures regarding smartphones for children under 16 years old, including the possibility of a total ban of smartphones (internet-enabled phones) for children under 16 or parental controls installed as default on phones for under 16s.  

The next Government should work with mobile phone companies and network operators to promote children’s phones, a class of phone which can be used for contact and GPS location but not access to the internet or downloading apps.

Chair of the Education Committee, Robin Walker MP, said: “Excessive screen and smartphone use has a clear negative impact on the mental and physical wellbeing of children and young people. Our inquiry heard shocking statistics on the extent of the damage being done to under-18s, particularly those who are already extremely vulnerable, such as those in care.  

“Without urgent action, more children will be put in harm’s way. From exposure to pornography, to criminal gangs using online platforms to recruit children, the online world poses serious dangers.

“Parents and schools face an uphill struggle and Government must do more to help them meet this challenge. This might require radical steps, such as potentially a ban on smartphones for under-16s.  

“Our report found that digital age of consent checks are not fit for purpose. We heard no evidence demonstrating that thirteen-year-olds understood the ramifications of sharing personal information online and today’s report urges the Government to increase this age to sixteen.  

“It’s also clear that children require face-to-face and in-person social contact in order to thrive. Our report found that screen time is inversely associated with working memory, processing, attention levels, language skills and executive function.  

“Whilst there can be some benefits from the online world and sharing information or interests with their peers, ready, unsupervised and unrestricted access to the internet leaves children vulnerable, exposing them to a world they are not equipped for. Their safeguarding and protection must be our priority.”

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Strong support for Assisted Dying Bill, says Dignity in Dying Scotland poll

  • Biggest ever public poll in Scotland conducted on assisted dying confirms every single constituency supports law change
  • More than three-quarters of respondents (78%) said that they would support making it lawful for someone to seek assisted dying in Scotland, with just 15% against
  • Findings released as Liam McArthur MSP’s ‘Assisted Dying for Terminally Ill Adults (Scotland) Bill published in Scottish Parliament (28th March 2024)

The vast majority of constituents in every parliamentary constituency and region in Scotland support a change in the law on assisted dying, according to the largest and most in-depth public polling ever conducted on the issue. The results of the poll are released as Liam McArthur MSP publishes his Assisted Dying for Terminally Ill Adults (Scotland) Bill in the Scottish Parliament.  

The polling was carried out by Opinium Research on behalf of Dignity in Dying Scotland, and canvassed the views of more than 4,000 people across the country. 78% said they would support a change in the law to allow dying adults to access assisted dying.

The polling results were modelled for every constituency and region in Scotland. The highest levels of support are reported in Orkney (82%), Shetland (82%), North East Fife (80%), Banff and Buchan (80%), Moray, Ettrick, Roxburgh and Berwickshire, Caithness, Sutherland and Ross, Mid Fife and Glenrothes, Skye, Lochaber and Badenoch and Inverness and Nairn (all 79%).

Every constituency has at least a two thirds majority in favour.

Constituents of the Party Leaders back Liam McArthur MSP’s Bill:

Humza Yousaf MSP, Glasgow Pollock, 67%

Douglas Ross MSP, Highland and Islands Region, 79%

Anas Sarwar MSP, Glasgow Region, 69%

Alex Cole-Hamilton MSP, Edinburgh Western, 76%

Patrick Harvie MSP, Glasgow Region, 69%

Lorna Slater MSP, Lothian Region, 76%

Ally Thomson, Director of Dignity in Dying Scotland said: “As Liam McArthur MSP’s Assisted Dying for Terminally Ill Adults Bill is published in the Scottish Parliament, the message from constituents to their MSPs is strikingly clear – it is time to change the law and vote to give dying people the choice of safe and compassionate assisted dying.

“In every constituency and region in Scotland there is an unshakeable majority of support for an assisted dying law, with tight safeguards that would benefit and protect dying people and improve end-of-life care as a whole.

“That law is now within our reach.  The Bill published today provides the compassion and choice dying people need and puts safety and protection in place where none currently exists.

“I’ve spoken to countless terminally ill people who are desperate for the peace of mind that this Bill would bring, and to so many who have watched someone they love endure a terrible death and don’t wish anyone else to suffer in a similar way. 

“The publication of the Bill today gives them all hope that needless suffering can be consigned to the past. We call on MSPs not to stand in the way of their choice.”

Liam McArthur MSP said: “Currently in Scotland assisted dying is illegal, a situation that I believe is failing too many terminally ill Scots at the end of life.

“It is leaving them facing traumatic deaths that impact not just them, but those that they leave behind. We can and must do better. That is why I am publishing my bill on assisted dying, which is being introduced formally in the Scottish Parliament today.

“For many years, polling has consistently shown overwhelming support for assisted dying. I believe we are now seeing the necessary political support, across all parties, to deliver this long overdue reform.

“The provisions I am proposing would be robustly safeguarded to ensure the process works as intended. Similar laws have been safely and successfully introduced in countries such as Australia, New Zealand and the United States where they continue to enjoy strong public support.

“I hope that as they consider the provisions of the Bill, my colleagues will look at the evidence supporting a change in the law and the wishes of dying Scots and vote to give terminally ill adults the choice they need.”

In the Opinium polling, support for changing the law was consistently high across those who plan to vote SNP (84%), Conservative (72%), Labour (79%), Green (81%) and Liberal Democrat (78%).

The polling also found a strong majority for law change among religious people, with 75% of people who align themselves with Church of Scotland/England and 66% of those who state they are Catholic in favour.

In addition, the polling found that more than half of Scots (55%) would personally consider travelling to Switzerland for an assisted death if they were terminally ill, but 57% would not be able to afford it, with costs skyrocketing to £15,000 in the last five years.

Assisted dying bills are being considered in Jersey and the Isle of Man, an inquiry in Ireland has recently recommended law change, and a bill will be introduced in France this year.

Four hundred million people across Europe, North and South America and Australasia live in jurisdictions that have legalised or decriminalised assisted dying in some form.

Strengthening public confidence in policing

Legislation unveiled to improve complaint and conduct procedures

Proposed new laws to help strengthen public confidence in standards of police conduct have been published.   

The Scottish Government’s Police (Ethics, Conduct and Scrutiny) (Scotland) Bill has been introduced to Parliament with the aim of ensuring allegations of misconduct are dealt with more transparently and effectively.

If passed by MSPs, the legislation would see the outcomes of misconduct hearings published online and police officers no longer able to resign to avoid disciplinary proceedings.

The Bill would stop officers guilty of gross misconduct from being re-employed in policing by placing them on barred lists, with an advisory list for officers facing an allegation of misconduct and ensures officers can no longer resign to avoid being held to account for gross misconduct allegations.

The new arrangements will be underpinned by placing the code of ethics which sets out expectations of behaviour, in statute. To oversee these standards, the role of the independent Police Investigations and Review Commissioner (PIRC) will be significantly enhanced.

The Bill will deliver the majority of the remaining legislative recommendations made by former Lord Advocate, Dame Elish Angiolini, in her independent review of policing.

Cabinet Secretary for Justice and Home Affairs Angela Constance said: “Scotland is well served by the exceptional dedication and commitment of Scotland’s police officers and the work they do every day to keep communities safe.

“However, if things go wrong, the police must be held to account and improvements made. The principle of policing by consent, so central to our justice system, is built on this accountability. It is also in the interests of both the public and of the policing family.

“This Bill, if passed, will help strengthen public confidence for example by ensuring officers can no longer resign to avoid being held to account for gross misconduct allegations against them. The vital safeguards set out in this legislation will enhance the professional service already delivered by officers, as they perform their privileged duties to keep us all safe.” 

Two-thirds of Scots worried they will catch COVID at work

Two-thirds of Scottish employees (66 per cent) are worried about contracting Coronavirus when they return to their place of work, a new survey has found. 

The findings follow a UK-wide survey, carried out by JD Cooling Group, the UK’s leading independent supplier of environmental control systems with offices in Kelty, which revealed that despite the extensive vaccine roll out, many people across Scotland and the rest of the UK remain cautious about the prospect of a return to the office.

Lack of space and ventilation

Almost half (47 per cent) of all respondents cited the possibility of catching Coronavirus through airborne transmission indoors as their biggest concern, followed by 40 per cent who said poor air quality is a worry for them about returning to their workplace.

Two in five said they are concerned their co-workers might not be vigilant enough with handwashing, while 37 per cent of people admitted to being concerned about others not wearing masks. Lack of space is also an issue, with 35 per cent concerned about meetings in smaller rooms with limited ventilation, and a third (33 per cent) concerned about social distancing not being possible.

Providing reassurance

Despite these worries, there are a number of solutions that would help reassure employees about returning to work, with three in five (62 per cent) saying they would like a ventilation system installed to improve air quality, circulation and flow.

Social distancing measures being in place and enforced would reassure two in five (42 per cent), while a third (33 per cent) would be reassured by regular cleaning of surfaces. Two in five (39 per cent) would be reassured if the majority of the company had been given a coronavirus vaccine – slightly higher than the 32 per cent who would be reassured if they had been given the coronavirus vaccine themselves.

Changes to the workplace would also help to provide reassurance, as three in ten (31 per cent) support changes to allow them to have their own office or workspace, 26 per cent supporting Perspex screens being added to their workspace, and a fifth (18 per cent) feeling reassured if gloves and PPE was provided.

Mike Gould, HVAC Manager at JD Cooling Group said: “This data clearly shows that while there are measures in place, such as face masks and social distancing, people remain concerned when it comes to the next stage of restrictions lifting, and it won’t be enough to simply open doors and windows to encourage better air flow.

“Even with the vaccine roll out, proper ventilation is coming out as the top way to help employees feel comfortable about returning to the office.

“Good ventilation can rid a workplace of contaminated and stale air. As people are still clearly concerned about catching the virus at work, it’s important that employers do what they can in order to protect, reassure and ultimately keep their workforce safe.”

The study also found a significant minority (42 per cent) said that they would be likely to consider looking for another job if their employer did not put in adequate measures to minimise the spread of Coronavirus before they returned to their normal workplace. This highlights the importance of employers taking steps to protect their workforce.

Beyond this, the pandemic will undoubtedly have far-reaching long-term impacts on workers’ attitudes, as a third (35 per cent) say that they will be more concerned about catching common colds and flu viruses at work than they were before the pandemic, even after the vaccination programme has been fully rolled out.

For more information, tips and advice on good ventilation go to www.jdcooling.com/covid-safe