Blog posts

Boot-up
Feedback from the last meeting (John). Any progress with websites from anyone else??
Thought grazing: Jim posted on Google Photos, Google Drive and Backup and Sync. This is Google’s blogpost on the changes they are making and here is the help document explaining what will happen after July 10th.
I posted about using URL shorteners and reminded you how I use Pocket and Flipboard.
The Computer Group for next year. We’ll meet as we meet now, every second and fourth Thursday of the month.
Digital Picture Frames – anyone use them? I’ve had Nix recommended to me. Alternatives – try Foliobook on an iPad, or a screensaver linked to Dropbox on a Desktop PC.
Travel and digital photography.
SMART meters, SMETS2 and Hive. Discussion on options – switching suppliers. Hold off for now?
How do Password Managers Work?  Should you use one? Which one should you use?
Anything else, issues, problems.
News
Apple’s WWDC Showcase summary – loads of updates and new hardware. The 8-minute video summary. Apple’s promotional videos from the event. Apple splits iPhone and iPad operating systems by introducing iPadOS – what’s new in both?
What new features will there be in iPadOS? Mouse support for the iPad. Finally, external drive support for the iPad – this is how it will work.
New features for MacOS – Catalina coming in the autumn.
Apple’s iOS 13 will provide some protection against spam phone calls.
New features in iPadOS, iOS and MacOS for photographers. Click here and here too!
Apple finally kills off iTunes!
New features for Dropbox on the Apple platforms.
What Wireless Security are you using, and should you consider changing your router?
Don’t charge your phone/tablet under your pillow at night – and other electrical tips!
Identity Theft
This will probably be one of the most challenging posts I’ve ever attempted to write because in all truth, I don’t think we really still know what actually happened to my daughter’s online identity, let alone wholly knowing how it happened, but I’m going to try and explain the sequence of events as an alert to you all, and a reminder to us too!
Some background and a plausible explanation of why she got herself into the situation she found herself.
She’s been self-employed for a short while now, working as a freelance journalist, and had just submitted her first tax returns in that capacity.
She’s working from home, with two young children with one under six months old and both very demanding of her time.
The family is living in my local son’s house whilst they “do up” their new house.
She’s adept at multi-tasking (obviously too adept as it turns out) and is (as many of her age are able to do) capable of nestling her phone between chin and shoulder whilst doing other tasks!
What happened next!
She had a phone call purporting to come from HMRC – we’re presuming this was just a fortuitous coincidence from the fraudster’s point of view – saying that she had a refund owing. As explained above she thought this was quite possibly the case! She was told to click on a link to complete the process of getting the refund. She had her youngest son on her hip, was preparing a meal and was “distracted”. She filled-in the required information from the link!!!!
Agh! No!
Shortly afterwards (same day) she presented her credit card at a supermarket and payment was refused. She realised something was wrong. She found she didn’t have access to her online banking. She contacted the bank by phone. They “supposedly” froze her account but it was apparent that at least two transfers of money had been made to someone who was a Payee in her account – why? That’s the clever bit of the scam, I’ll explain later!
More payments appeared to have been made … help!!!
How could this be? The account was frozen … wasn’t it?
Get the family involved!
Having a son who’s an IT expert comes in useful, especially if he lives on the other side of the world! He worked through the night (day) in securing as many of her accounts as he could. Changing passwords, which were admittedly rather weak and used more than once (should have listened to Dad) – but they had no idea just how much data had been downloaded, or indeed just how much they had to start with as a result of perhaps a previous “pwned” event.
Having a local son who’s also very practical and logical helps also. He suggested that she contact the payee and tell them about the payment and request it be refunded. What transpired next turns out to be the “clever” part of the scam, although on this occasion it wasn’t conducted very expertly because they attempted multiple payments to the same payee. The payee confirmed that they’d had this payment, wondered what it was and had been a bit puzzled as to why Mr X had contacted them and requested a refund to a bank account because “he’d made a mistake”. This was obviously NOT the same account as that from which the payment had originated and turned out to be the way the scammers were hoping to transfer funds from the hi-jacked bank account to their own! Fortunately, my son’s suggestion alerted the payee and they advised their bank NOT to transfer the money.
Phew! How did this all happen when the bank account was supposed to be frozen?
The key to this scam was getting control of my daughter’s mobile phone number. She didn’t realise it immediately, but soon became aware that it had been “stolen” through a scam called SIM swapping. This usually is done by a distressed person going into a mobile phone shop and pleading for a new SIM with a phone number “because their phone has been stolen” and “it’s absolutely imperative they have their number back immediately as there’s something very important happening right now”.  This is described here.
Why do they want to do this? Because they can transfer calls to the rightful owner of the phone to their own phone.
Why do they want to do this? Because they can then request the bank account to be unfrozen, and also use their access to the phone number for any number of authorisation features.
And what is more they can lock you out of your phone accounts.
How did they do this in this case? Well GiffGaff is an online service provider and they have stated that they did everything they were supposed to do to authenticate the request for a SIM swap – but it is evident that there are serious weaknesses in their processes. They have stated they are looking at this for the future. Just Google “GiffGaff SIM swap Fraud” to see what is returned – it’s frightening!
So what happened next, and was there a happy ending?
Well, believe it or not, even with a personal visit to the bank and assurances that no more payments would be made, the bank did allow the account to be unfrozen and transfers out of her account were attempted. A second visit to the bank resulted in heartfelt apologies over the way their fraud department had handled the problem and a complaint being raised by the branch against their own department on my daughter’s behalf – I don’t know the outcome of that!
Well, there was a happy financial outcome. Thanks to the prompt action and thinking of my local son, the initial transfer was halted. It’s not conclusive whether my daughter could have received compensation (as detailed here) as she was the instigator of the problem through her own mistake (the HMRC phone call). All other attempted transfers were eventually trapped by the bank and refunded to her – so no financial loss.
However …
Much more significant than the potential financial loss was what it did to her confidence. She insisted on getting a new phone, because she wouldn’t accept any advice from any family member (especially me) that there wasn’t anything on her phone that wouldn’t continue to monitor her.
She also lost all confidence in using any online systems – which up until then she’d been very reliant upon.
She also lost a lot of confidence in herself as she realised just how gullible (but extremely unfortunate) she’d been … but the positive side of this, and the main reason for sharing this is that she’ll be much more careful in the future!
Postscript.
We don’t know whether the identity theft side of this will ever be resolved. We all know that a huge amount of information is held on us on the internet. We all know that some websites have had their security breached and identity information stolen. We don’t know what was held by others about my daughter. She was a public figure, a journalist on a national newspaper, they now have the potential to add even more information to their database about her if they managed to download information from her email (and other) accounts before my son locked them down. We just don’t know.
There was a mysterious book that arrived at her house with a cryptic message in it.
There have been some scamming emails purporting to come from her since this event.
We just don’t know whether these are connected to the fraud event or are just strange random occurrences … and I suppose we never will know just how much additional information they may have downloaded – emails, photographs, documents, etc. etc. Very frightening.
NatWest Guide to Fraud
Some privacy tips for iPhone users.