揭秘最新神秘骗术 管好你的钱袋子

　　Criminals use stolen bank details to set up direct debits to pay for goods and services they will benefit from, such as mobile phone accounts, pay TV or gym memberships。

　　犯罪分子利用盗窃来的银行信息建立直接借记付款，从而购买他们想要的商品或服务，例如为手机账户、有线电视或者健身卡付费。

　　Some arrange for payments to accounts from which cash can be siphoned off through ATMs。

　　有些则利用允许付款人从ATM机取回现金的收款账户，付款后再从ATM机抽取现金。

　　They obtain the details in the same way they would with other types of identity fraud。

　　这些人骗取信息的方式跟其它骗得个人信息的套路一样。

　　Common methods include redirecting a victim’s post or gaining online banking details via ‘phishing’ scams。

　　通常的做法是转寄受害人的邮件，或者网络钓鱼。

　　Direct debit fraud appears to be booming as many companies – such as energy firms – now offer discounts and other incentives to encourage their customers to pay bills using the method – meaning more bank details are in circulation。

　　因为很多公司以折扣或其它让利方式鼓励客户用直接借记方式付账，例如能源公司，所以利用直接借记的诈骗也多了起来。

　　The proliferation of online services also means fraudsters are able to set up contracts and other agreements without the need for stringent ID checks。

　　网上服务的快速增长，意味着诈骗者在不需严格身份检查的情况下就可以签订合同或者其它协议。

　　Fortunately under the banks’ direct debit guarantee system, victims will get their money back。

　　幸运的是通过银行直接借记担保系统，受害者可以把钱拿回来。