So, here’s what happened.
I got a letter in the post saying that our mortgage provider’s computer had gone down and we needed to send a payment direct to a certain account. I was a little suspicious but the letter had the right name and when I typed the number into my bank, the right provider name auto-completed.
Then I got another letter in the post asking for my mortgage payment. I was composing an email to check that I had sent the money to the right account when I noticed that the telephone helpline numbers were different on the two letters. The customer support email was different. The CVR number was different. And I dropped a bollock.
I google’d the support email and the first link was “FALSE EMAILS, DO NOT RESPOND TO THEM” and I did not look at the link but the bottom dropped out of my stomach.
So, I scanned in the suspicious letter and emailed customer support at the bank. I told them the situation and asked what I should do.
They emailed back straight away: contact your bank. GOOD LUCK. Seriously. “Good luck”
I contacted my bank, told them the situation, attached the suspect letter.
They emailed back straight away: nothing we can do. Contact the police.
I contacted the police. Over email because I hate telephones and I could attach the letter.
Then I started to think about how sophisticated the scam was: right name, right company name, they knew we were customers of this bank, they specifically only ask for one month’s money. They got the amount almost exactly right.
So, I googled the support email thing again to take a look at the other scams, to see if they were as sophisticated… and realised that the ‘fake’ email was not fake.
This was about fifteen minutes into the crisis and the feelings of pathetic-ness and horror were starting to give way into feelings of disbelief. So. I emailed customer support again.
“Are you SURE this is a scam. Did I just report my mortgage to the police??”
And this is the response, in full, without further comment.
Im sorry i didnt’ see the lette the 1. time
It’s not a fake letter – there has been an error with the payment service as home loan is not automatically paid by direct debit – this is only in June and July that itmust be paid manually
I regret that I was not awake for the first time
If you have further questions, I recommend you to contact us on xx xx xx which is open every day from 9 -21″