Fraudsters ‘running riot’ on social media, says Which?

Social media websites are fuelling the fire of the UK’s fraud crisis by failing to clamp down on scammers selling people’s personal details through their platforms, a new Which? Money investigation reveals.

The consumer champion discovered 50 scam profiles, pages and groups across Facebook, Twitter and Instagram with clear evidence of blatant criminal activity.

This included advertising stolen identities, credit card details, compromised Netflix and Uber Eats accounts and even fake passports made to order. All were found easily by searching simple, barely disguised slang terms for fraud.

With fraud cases rising by a fifth in the last year and losses to coronavirus-related scams already reaching £2 million, Which? is concerned that the results of its investigation – carried out before the outbreak took hold in the UK – highlight how lax measures to prevent the trade of personal and financial information on these platforms could be exploited by criminals looking to take advantage of the crisis.

Tthe investigation uncovered an alarming post on one illicit Facebook group, detailing the full identity of a man in Yorkshire. His full name, date of birth, address and mobile number were all listed alongside complete financial information including his credit card number, CVV number and expiry date, sort code and the name of his bank.

The post had already been up for four months when it was spotted by Which?, and the details were even being given away for free, potentially as a tactic designed to prove the seller’s credentials for future deals.

Using the open electoral roll, a researcher was able to establish that the victim had lived at the address listed in the Facebook post at least as recently as 2018, along with individuals whose names and ages implied they were his wife and adult children – demonstrating how easy it would be for a scammer to exploit the details available in the Facebook post.

Meanwhile, one fraudster on Twitter offered full credit card details of someone with a ‘£13k+ balance’ for £100, or three sets of card details for £200. Another offered a phoney passport for £3,000, which could have potentially been used as proof of ID to open bank accounts and credit cards.

Twitter’s algorithm also made it all too easy to find criminal ID sellers. After searching for and viewing such accounts, the site suggested following ones offering similar services through its “who to follow” section.

In addition, Which? found Instagram users sharing price lists detailing how much it would cost to acquire full identities, as well as ‘fraud bibles’. These comprehensive how-to guides for novice hackers and scammers explain how to create fake identities and use stolen card details.

All 50 of the groups, pages and profiles were reported to their respective social media platforms via their in-site reporting tools.

Shockingly, Facebook initially refused to remove the post containing the clearly stolen details of the Yorkshire man, on the basis that it ‘doesn’t go against one of our specific community standards’.

When Which? requested a review of the decision through the reporting tool, the post was removed, but the hacker group it was posted on remained up.

While Facebook also removed a few other isolated posts that Which? reported, when a researcher checked six days later, it had allowed every page and group to remain. Instagram and Twitter had not removed any content at all.

It was only when the content was presented to the platforms’ media representatives that it was ultimately all taken down.

Which? believes it is unacceptable for social media platforms to take such a lackadaisical attitude to the fraudulent activity taking place on their sites.

With proposed regulation of illegal and harmful content on social media platforms – such as the criminal activity exposed in this investigation – a long way from being introduced, the consumer champion is calling for the sites to take much more responsibility and be proactive in removing such content and blocking criminals.

Jenny Ross, Which? Money Editor, said: “It’s astonishing that social media sites make it so easy for criminals to trade people’s personal and financial information, particularly as fraud is such a prevalent crime that can have devastating consequences.

“Social media firms must take much stronger action to prevent their sites becoming a safe haven for scammers, and should work with the financial industry and police to address serious flaws with their platforms.

Facebook, which also owns Instagram, said: “Fraudulent activity is not tolerated on our platforms, and we have removed the groups and profiles flagged to us by Which? Money for violating our policies.

“We continue to invest in people and technology to identify and remove fraudulent content, and we urge people to report any suspicious content to us so we can take action.”

Twitter said: “It is against our rules to use scam tactics on Twitter to obtain money or private financial information.

“Where we identify violations of our rules, we take robust enforcement action. We’re constantly adapting to bad actors’ evolving methods, and will continue to iterate and improve upon our policies as the industry evolves.”

 

Ric sings his heart out to raise money for Heart Research UK

A long term supporter of national charity Heart Research UK is hosting a live Facebook concert to raise funds for the charity and help to raise the spirits of the nation.

Ric Cipriani, from Cheltenham, will be grabbing his guitar and singing his heart out from 7 – 8pm tomorrow (Wednesday 8 April), live on Facebook.

Ric first became involved with Heart Research UK six years ago, after his grandfather sadly passed away due to heart disease.

Since then, he has raised over £15,000 for the charity, running marathons, dressing us as Santa, and playing charity gigs. Ric will also be taking part in this year’s London marathon alongside his son, Daniele.

Ric had initially planned to do a number of physical gigs in the UK as well as the United states to raise funds, but this was postponed due to the ongoing Coronavirus pandemic.

So, he is taking his skills to the web and asking participants to make a donation to Heart Research UK instead.

“I love singing, and this is a great way for me to try and raise some much-needed funds for a charity that is very close to me, and also try to make some people smile in these difficult times,” said Ric.

“I have friends all over the world who will be tuning in, especially my family over in Italy who I hope will all be singing along with me.

“After my grandfather passed away, I knew I wanted to help his memory live on. I’ve also recently lost a dear friend to a heart attack, so it’s really important to me to be able to raise funds for such a vital cause.

“Because I’ve been involved with Heart Research UK for such a long time now it’s always fun to try and think of new ways to support them!”

Music fans can expect an eclectic mix of tunes, ranging from Eric Clapton and U2 to Radiohead, Fleetwood Mac and Oasis.

All the money raised will support Heart Research UK’s pioneering medical research into the prevention, treatment and cure of heart disease, the nation’s single biggest killer.

You can sign up to watch the event here – https://www.facebook.com/events/151990389473700/

Government launches Coronavirus Information Service on WhatsApp

The UK Government has launched a GOV.UK Coronavirus Information service on WhatsApp.

The new free to use service aims to provide official, trustworthy and timely information and advice about coronavirus (COVID-19), and will further reduce the burden on NHS services.

This will help combat the spread of coronavirus misinformation in the UK, as well as helping ensure people stay home, protect the NHS and save lives.

The GOV.UK Coronavirus Information Service is an automated ‘chatbot’ service which will allow the British public to get answers to the most common questions about coronavirus direct from government.

The service will provide information on topics such as coronavirus prevention and symptoms, the latest number of cases in the UK, advice on staying at home, travel advice and myth busting.

The service will also allow the government to send messages to all opted-in users if required.

To use the free GOV.UK Coronavirus Information Service on WhatsApp, simply add 07860 064422 in your phone contacts and then message the word ‘hi’ in a WhatsApp message to get started.

A set of menu options is then presented which the user can choose from and then be sent relevant guidance from GOV.UK pages as well as links to GOV.UK for further information.

Matt Idema, Chief Operating Officer, WhatsApp, said: “At difficult times like these, people are using WhatsApp more than ever to connect with and support their friends, family and communities.

“We are pleased to be able to provide the UK Government with the communications tools to help them answer the public’s questions about the virus with reliable, timely health advice, in order to keep people safe.”

Prof Yvonne Doyle, Medical Director, Public Health England, said: “This service will help us ensure the public has a trusted source for the right information about coronavirus, updated with the latest public health guidance and providing assurance that they are not misled by any of the false information circulating.

Other recent Government communications include:

Earlier this week the government texted people across the UK to inform them of the new rules announced by the Prime Minister on 23 March 2020. Details here – https://www.gov.uk/government/news/coronavirus-sms-messages

The Government has also sent text messages to the vulnerable as part of the shielding package announced by the Prime Minister on 22 March 2020.

Details here – https://www.gov.uk/government/publications/guidance-on-shielding-and-protecting-extremely-vulnerable-persons-from-covid-19/guidance-on-shielding-and-protecting-extremely-vulnerable-persons-from-covid-19

Being active on social media will help you cope with isolation

Active use of social media will be a lifeline for people coping with social isolation during the Covid-19 crisis, says the British Psychological Society’s Cyberpsychology section.

Cyberpsychology expert Dr Lisa Orchard has shared tips on how to get the most out of social media during the Covid-19 outbreak. She says that interacting with other people is hugely important for our wellbeing, so social distancing and isolation will be tremendously difficult for many.

“While there can be dangers in social media, it’s going to play a vital role in helping people stay connected”, she said.

“Research suggests active social media use is better for you than passive use, so consider writing a blog or posting status updates as a way of expressing yourself. And it may help to organise virtual meet-ups with friends and family. These needn’t be limited to chatting: they can take part in group activities like watching films or cooking together.”

Useful tips for using social media during Covid-19 include:

Take the time to look at how you are using social media – Are you overwhelmed by the news or does discussing it give you a sense that you are part of a community and not alone in feeling the way you do? If you are overwhelmed, it may be a good idea to limit how long you spend online.

Be critical of what you see and post – The volume of discussion of Covid-19 makes it hard to find accurate information. Fake news can be difficult to spot – don’t rely on the number of likes or comments a post has as an index of its value. It’s best to follow verified official accounts to ensure information is accurate. Be wary of sharing information if you are not sure of its validity.

Be on alert for cybercrime – Crime rates often rise in times of crisis and recent news reports suggest the Covid-19 crisis is seeing an increase in cybercrime. The uncertainty and the way we have become isolated may make us more vulnerable. The National Cyber Security Centre has a wealth of resources to help you be on your guard. Follow it on social media for updates and tips.

Use hashtags and follow wisely –We cannot control what others post, but we can control who we follow and who we block. If you find your newsfeed is dominated by discussions of Covid-19, follow hashtags related to your hobbies or interests as a distraction. Hashtags and groups can be used to find people with similar interests, which provides a sense of belonging if you are feeling isolated.

Look for the positives – Social media often gets a bad name, but it can promote acts of altruism. Recent days have seen stories of people sharing scarce supplies and creating online support groups to look out for vulnerable neighbours. You may find it helpful to seek out this type of content to balance more negative stories.

WhatsApp groups set up as communities pull together

“Street level” messenger groups are springing up across the UK as communities forge new relationships to help each other through the Coronavirus self-isolation crisis.

Messenger apps such as Facebook Messenger and WhatsApp are being conscripted to connect whole streets worried about how to survive self-isolation and loneliness.

Young and old are uniting to help those without and those needing help and support at their time of need.

“A neighbour set up a group and we now have 10 of 12 houses on the street subscribed”, explains Jonathan Ratcliffe, who lives on Windermere Avenue in  Menston, Yorkshire.

Ratcliffe, who is currently running national office agency Offices.co.uk from home, has been in self-isolation since Monday juggling work and family life.

“We haven’t been to the shops this week, life is testing let’s say! John down the road asked on WhatsApp if anyone needed anything, and 30 minutes later we had bread, bananas and paracetamol – it really helps morale”, explained Jonathan.

Being able to draw on neighbours for help and social interaction is going to become a hallmark of the efforts needed to get the country through the next 12 weeks.

“No one knows where this is going and who might need help. We have a 10-week-old baby with a heart condition, and so we are being extra careful”, added Jonathan. “My neighbours help now will be paid back twice over when we are out of isolation– it’s lovely knowing that there is support on our doorstep should we need it”.

Other groups have sprung up locally in Menston supporting streets and even whole estates.

One such group has been set up covering Menston’s Moorfield Avenue by resident David Williams.

“We are in the process of setting up a WhatsApp group to cover our street,” David explained. “We started by dropping a note through everyone’s door, so they knew who to text to join the group. 

“We are then identifying those who need to self-isolate and pairing them up with people who can help out so people can self-organise as much as possible but also stay in touch as things develop.”

Zoe Edwards, who lives in the centre of the village, added: “We have done similar on our road although tricky when some people don’t use or have WhatsApp. We are trying to keep in touch with those people separately”.

The Windermere Avenue group: 10 houses have joined out of 12

  • 18 people have joined the group
  • Age ranges from 38 to 75
  • One house currently in self-isolation

Resident Alison Wilson in Menston is using the platform to forward-plan a big party to celebrate the community spirit locally in Menston: “Once this is over, we need a massive big street/village party to cheer ourselves up and thank everyone for their kindness and community spirit”.

“Creating support groups now is really important. Being able to ask for help should you need it is going to be a lifeline for many people, young and old – the love and support I’ve seen on our street for neighbours has been humbling”, concluded Jonathan.

Facebook not safe for kids, says charity poll

  • Poll shows majority of adults believe Facebook is failing in its duty of care to protect children
  •  Three out of four don’t think Facebook is safe for children
  • NSPCC urges Facebook to rethink encryption plans or face tough sanctions from new regulator

The NSPCC has slammed Facebook’s encryption plans after three out of four adults polled in Scotland said they didn’t think the site was safe for children.

Out of 180 adults in Scotland, just one in five (22%) said the tech giant took the safety of children using the site seriously and two thirds (66%) believed the platform was failing in its duty of care to protect children.

The results for Scotland were similar to those of the whole Great Britain sample, which consisted of 2,070 adults.

The claims came in an NSPCC/ Savanta ComRes poll following the tech giant’s announcement that they will encrypt messages on Facebook and Instagram.

The charity previously revealed that one in 25 young people (11 to 17 year olds) who used Facebook or Facebook Messenger had sent, received or been asked to send sexual content to an adult.

It is now warning the tech giant not to create hiding places for abusers by pressing ahead with encryption plans that don’t have strong safeguards in place.

Facebook CEO Mark Zuckerberg, who admitted that his plans would protect the “privacy of people doing bad things”, has failed to give any clear answers in how he intends to stop groomers preying on children on his site.

The NSPCC is calling for supporters to sign an open letter to Facebook demanding they put children first as part of its Wild West Web campaign.

Andy Burrows, NSPCC head of child safety online policy, said: “Facebook has been called out for its abject failure to make their platforms safe, yet their encryption plans will give offenders a free pass to abuse children while they look the other way.

“This cavalier approach risks creating a one stop grooming shop if Facebook don’t include strong safeguards that protect children in their encryption plan.

“Boris Johnson must make it clear that upcoming regulation will force Facebook to guarantee children’s safety on its messaging services or be hit hard in the pocket for failing in its duty of care.”

The NSPCC is calling for:

  • No end-to-end encryption for messages going to or coming from children’s accounts on Facebook apps
  • Adults accounts not to be encrypted until and unless Facebook has solutions to ensure child abuse can be detected and that children safety won’t be compromised
  • The Government to push ahead with introducing an independent Duty of Care regulator to keep children safe online
  • The Government to warn Facebook that encryption breaches the incoming Duty of Care and pressing ahead will mean tough consequences

Parents more concerned about their children online

More parents than ever feel children’s online use now carries more risks than benefits, according to Ofcom’s latest research into children’s media and online lives.

Ofcom’s Children’s Media Use and Attitudes report 2019 is based on around 3,500 interviews with children and parents. Children’s Media Lives is a qualitative report looking at how children aged eight to 18 think about and use digital media.

Parents and carers are becoming more likely to trust their children with greater digital independence at a younger age. But far fewer believe the benefits of their child being online outweigh the risks than five years ago. And around two million parents now feel the internet does their children more harm than good.

This comes as children are now more likely to see hateful content online. Half of 12-15s who go online had seen hateful content in the last year, up from a third in 2016.

Parents are increasingly concerned about their child seeing something online which might encourage them to harm themselves. Similarly, two gaming-related problems are increasingly concerning parents: the pressure on their child to make in-game purchases of things like ‘loot boxes’, a virtual item containing rewards; and the possibility of their child being bullied via online games.

However, parents are now more likely than in 2018 to speak to their children about staying safe online, and are nearly twice as likely to go online themselves for support and information about keeping their children safe.

Influencers, online activism and girl gamers

Looking at what today’s children are doing online, Ofcom uncovered three big trends over the past year.

18% of 12-15 year olds use social media to support causes and organisations by sharing or commenting on posts, up from 12% in 2018.

  • The ‘Greta effect’. There is increased online social activism among children. Almost a fifth of 12-15s use social media to express support for causes and organisations by sharing or commenting on posts. One in 10 signed petitions on social media.
  • Rise of the ‘vlogger next door’. While high-profile YouTube stars remain popular, children are now increasingly drawn to so-called ‘micro’ or ‘nano’ influencers. These often have fewer followers, but might be local to a child’s area or share a niche interest.
  • Girl gamers on the increase. Almost half of girls aged five to 15 now play games online – up from 39% in 2018. The proportion of boy gamers is unchanged at 71%, but boys spend twice as long playing online each week as girls.

The proportion of 12-15 year olds who have a social media profile on Facebook (69%), Snapchat (68%), Instagram (66%), WhatsApp (62%), YouTube (47%), Pinterest (13%), TikTok (13%) and Twitch (5%).

Social Media use more fragmented

Older children are using a wider range of social media platforms than ever before. WhatsApp in particular has grown in popularity among 12-15 year-olds since last year, despite having a minimum age limit of 16.

WhatsApp is now used by almost two thirds of older children – up from 43% in 2018. For the first time, it rivals Facebook, Snapchat and Instagram as one of the top social media platforms for older children.

Newer platforms are also becoming more popular. Around one in seven older children use TikTok, which enables users to create and upload lip-sync, comedy and talent videos, while one in 20 older children uses Twitch, a live streaming platform for gamers.

Children’s viewing habits are changing radically too. Almost twice as many children watch streaming content than they did five years ago.

In 2019, fewer children watched traditional broadcast TV than streaming content, with a quarter not watching it at all.

But YouTube is as popular as ever, remaining children’s firm favourite for video ahead of Netflix, Amazon Prime, the BBC and ITV.

The age of digital independence

50% of 10 year-olds own a smartphone in 2019, up from 30% in 2015.

When it comes to going online, children are most likely to use a tablet but mobiles are becoming increasingly popular and children are now as likely to use a mobile as they are a laptop.

This move to mobile is being driven by older children, for whom 10 is becoming the age of digital independence. Between age nine and 10, the proportion of children who own a smartphone doubles to 50%  giving them greater digital freedom as they prepare to move to secondary school. By the time they are 15, almost all children have one.

“Today’s children have never known life without the internet, but two million parents now feel the internet causes them more harm than good, said Yih-Choung Teh, Ofcom’s Strategy and Research Group Director.

“So it’s encouraging that parents, carers and teachers are now having more conversations than ever before with children about online safety. Education and stronger regulation will also help children to embrace their digital independence, while protecting them from the risks”.

children-media-use-attitudes-2019-report

Concern over effect of social media on young people’s wellbeing

A national report, carried out every four years, has provided insights into child mental health in Scotland.

The 2018 Health Behaviour in School-aged Children (HBSC) study in Scotland, led by researchers at the MRC/CSO Social and Public Health Sciences Unit, University of Glasgow and funded by NHS Health Scotland, provides data on the health and wellbeing of the nation’s young people.

Key findings include the majority (85%) of young people reported high life satisfaction in 2018, while almost one in five adolescents rated their health as excellent.

However, the report also revealed the lowest levels of adolescent confidence seen in 24 years, with only 51% of adolescents in Scotland reporting often or always feeling confident in themselves.

Beyond mental health and wellbeing, the HBSC study covers areas such as sleep habits, time spent online, physical activity as well as school and home life. The report presents data collected from surveys with a representable sample of 11, 13 and 15-year-olds in Scotland in 2018. The surveys were conducted in schools, with all pupils in the selected classes asked to fill in the confidential questionnaire anonymously.

This is the 8th consecutive World Health Organisation (WHO) cross-national HBSC survey in which Scotland has participated, providing data on the health of the nation’s young people over the last 28 years. A wider pan global report on the health of young people across the world is due to be published later this year.

Lead author of the study Dr Jo Inchley, from the MRC/CSO Social and Public Health Sciences Unit, University of Glasgow, said: “These latest findings from HBSC provide a comprehensive picture of young people’s health across Scotland.

“We’ve seen significant improvements in recent years in areas such as substance use and eating behaviours. But at the same time, new challenges such as social media are increasingly impacting on how young people live their lives and these can have a significant impact on their wellbeing.

“This report helps us to better understand the challenges young people face and the areas where more support and investment is needed.”

Dr Rory Mitchell, Public Health Intelligence Principal, NHS Health Scotland said: “This report highlights some positive trends as well as ongoing challenges. The data shows that children from wealthier families tend to report better health and wellbeing than those from poorer families. This highlights the need for a continued focus on tackling health inequalities in Scotland. 

“The information provided by this long-running study has enormous value in helping to improve health and wellbeing. Using such information to make a real difference requires a collaborative effort that co-ordinates local and national action. The formation of Public Health Scotland in April this year will contribute to this.”

Findings of the report include:

Mental health and wellbeing

  • 22% adolescents rated their health as ‘excellent’ but 15–year-old girls were the least likely to report ‘excellent’ health (12%).
  • The prevalence of multiple health complaints is at its highest for both boys and girls since 1994. Overall 35% of young people experienced multiple health complaints every week. The most common health complaints were sleep difficulties, feeling nervous and feeling irritable.
  • 37% adolescents were classified as having low mood (33% boys, 41% girls) and 14% were at risk of depression (11% boys, 17% girls). Both low mood and risk of depression increased with age.
  • All the mental health and wellbeing indicators were significantly associated with family affluence, with poorer outcomes for those from families with lower affluence.

Sleep

  • The average sleep duration on weekdays was 8.3 hours for 13-year-olds and 7.8 hours for 15 year olds – the recommended sleep for teenagers is 8 to 10 hours each night.
  • The proportion of young people reporting sleep difficulties more than once a week has increased from 23% in 2014 to 30% in 2018.
  • Among 13 and 15-year-olds, sleep difficulties were more common among girls than boys and young people from lower affluence families were more likely to report difficulties in getting to sleep than those from higher affluence families (25% versus 35%).

Social media and online communication

  • Nearly all (95%) young people said they owned a smartphone with connection to the internet.
  • The vast majority (92%) of 15-year-olds kept their smartphones in their bedroom at night.
  • Preference for online (versus face-to-face) communication was higher amongst 15-year-olds than 11 and 13-year-olds.
  • Nearly one in ten (9%) adolescents were categorised as having problematic social media use.

At home and school life

  • Overall 38% of young people reported high teacher support
  • The proportion of girls who find it easy to talk to their father has increased from 48% in 1990 to 67% in 2018.
  • 36% of young people reported eating a meal with their family every day.
  • Vigorous physical activity was higher among boys than girls. 47%) of boys and 41% of girls reported taking part in leisure time vigorous exercise at least four times a week. The gender difference was greatest at age 15 (40% vs 29%)

Jo Inchley added: “Many young people report high life satisfaction and have good support from their families and friends. However, the declines in mental health and increase in sleep difficulties are concerning.

“There’s been a small but steady increase in the proportion of girls taking part in physical activity in their free time but overall levels are still very low and screen time has been increasing at a much faster rate.

“It’s important that young people have opportunities to be active and spend time outdoors as these can have substantial benefits for both their physical and mental wellbeing.”

A spokesperson for the Scottish Children’s Services Coalition commented: “As a coalition whose members provide support to vulnerable children and young people we are deeply concerned by a lowering in confidence levels as outlined in this report, which indicates that just over half of adolescents report often or always feeling confident in themselves.

“In addition to this, one in ten adolescents are categorised as having problematic social media use and screentime use has been increasing.

“Clearly social media is having a major impact on young people and their wellbeing, as they often try to meet unrealistic standards as seen on social media, leading to anxiety and depression. This is especially relevant to girls.

“The fact that over 90 per cent of 15-year olds keep their smartphones in the bedroom at night, with a potential impact on sleep patterns is worrying. It is notable that the proportion of young people reporting sleep difficulties more than once a week has increased from 23 per cent in 2014 to 30 per cent in 2018.

“Now we have a greater awareness of the challenges it is vital that there is greater research to gain a clearer understanding of the link between social media and wellbeing, which is also impacting on confidence.

“There is a desperate need to educate young people on how to use social media healthily and how social media promotes unrealistic expectations.”

The General Election Donkey Derby

As a fun way to track how the party leaders are doing in the battle to reach 10 Downing Street and form the new UK government at Westminster, 

 NetVoucherCodes.co.uk are hosting a digital donkey derby by using their Twitter listening tool to measure the number of mentions of the main political parties in election tweets.

The 2019 UK General Election is set to be the most digitised ever, with the major political parties pouring more time, effort and money into online campaigning than any previous national vote.

Social media such as Twitter is at the forefront of politicians’ efforts to get noticed and generate engagement, in a bid to improve their polling numbers before the 12th of December.

The 2019 tweet race features all of the UK’s leading donkeys (thoroughbreds, surely? – Ed) – the SNP’s Nicola Sturgeon, the Conservatives’ Boris Johnson, the Liberal Democrats’ Jo Swinson, the Brexit Party’s Nigel Farage, Labour’s Jeremy Corbyn, the Green Party’s Siân Berry, Plaid Cymru’s Adam Price and the DUP’s Arlene Foster.

To view the #ElectionDerby, please visit: https://www.netvouchercodes.co.uk/election-derby2019.htm