Moscow: The professionals at Kaspersky Lab explicate the vulnerabilities posed by loan offers sent out in spam, advancing a counter query reading thus- as to what can materialize if users reply to spam messages, and also make available some useful tips on how to circumvent being a victim to unscrupulous financial organizations and Internet scams.
Spam money lenders: Armed and Dangerous goes for an overall rechristening of sorts; only to be transpired into what may perhaps be called as “expensive and perilous”
Small organizations and private money lenders incompetent to contend with the scale of marketing campaigns available to colossal multi-national banks often recourse to electronic mailings. To a certain extent, time and again, these messages serve as a cloak for unscrupulous organizations whose services turn out to be far more expensive than what is being advertised. Archetypal Internet scams may also distribute credit spam. In order to collect information about the victim, they can offer their assistance in the procurement of a loan and ask either for a password to the online banking system, a three-digit card verification value (CVV) or the user’s passport or contact details. This information can be used for illustration, for drawing up deceitful documents.
It is in this juncture that the loan scammer’s tools of choice serves as what may be rounded off in red as his Modus Operandi; viz:-
1.) Phishing – A Corporate Cliché standing for an endeavour to steal a user’s financial data using phony web pages that imitate official application forms from well-known banks.
2.) Malware attachments that imitate loan application forms or approved credit agreements.
Replied to a spam message? Be game for being “sitting ducks” to see your inbox fill up with even further spam!
A rejoinder to a spam email, even made without any intention to use the services offered in the advertisement, articulates the spammers that the email address really exists and is actively used (some spammers send messages to randomly generated address lists). As a result, the quantity of advertising messages sent to the ‘exposed’ email box will escalate ominously.
“We see fraudsters using all kinds of tricks to deceive users. Some senders introduce themselves as charity or Christian organizations that help the needy. Such messages may contain quotes from the Bible to look more convincing. Others want to attract potential clients by promising them large sums of money (sometimes up to several million in cash) which can be granted in a short period of time (from several hours to a couple of days) without any pledge or guarantors, or any certificate of income and with a minimum number of documents,” remarks Maria Vergelis, Spam Analyst at Kaspersky Lab. Volumnising further that- “Please remember that any attempt to open an attached ‘contract’ can lead to system infection and the loss of data stored on the hard drive.”
• Don’t enter your personal details on dubious sites;
• Don’t fill in HTML forms delivered from unknown senders, particularly if your computer is not protected by an antivirus program that can promptly identify and block fraudulent links;
• Never provide your personal data to third parties or enter into correspondence on financial issues with unknown “lenders”;
• Do not run executable files or open attachments, expressly archives and office documents from unknown senders (in extreme cases, only do this after getting a safety verdict from an antivirus program).