Londoner Vivian Gabb, 59, received an email that she thought was from her lawyer, she told BBC News. Gabb was in the middle of buying a house and the email claimed she needed to transfer her deposit of nearly £50,000 ($78,000), which she did.
Little did she know her email account had been allegedly hacked and monitored by cyber criminals who pounced on the opportunity to siphon off such a large sum of money from one victim. The criminals had set up their own bank account at TSB under the same name as Gabb’s lawyer, Chris Smee.
The fraudulent email featured familiar and friendly language such as “Dear Viv” used in previous legitimate emails, which fuels her belief that her emails were spied on. “We have changed who we bank with, I forgot to inform you of the changes in the email I sent you yesterday,” read the fake email before providing the new details.
A couple of days after the transaction, Gabb realized Smee’s firm Barnes & Partners had not received the money. When she contacted her bank, it became clear that she was the victim of a scam and the criminals had already made off with the money from their fake account. Gabb, a self-employed Pilate’s teachers and tennis coach, says her banks, Halifax and TSB, are unable to do anything about it.
“Neither bank seems very troubled by my predicament. I am absolutely at my wits’ end with what has happened to me. There is no system of redress and I seem to meet a closed door every way I turn,” she told the Daily Mail.
“Halifax has categorically told me they do not consider themselves to be in any way responsible and TSB will not talk to me due to data protection issues,” says Gabb.
Halifax has said that this is a case of social engineering and it looks at every instance individually. The Metropolitan Police in the UK have also said that it can pursue the criminals but refunds and financial recovery is a matter “between the customer and the bank”.
Phishing campaigns of this size are usually targeted at businesses transferring large amounts of money so this makes Vivian Gabb’s predicament unusual. However once cyber criminals find a potentially lucrative individual in their trawls, they’ll put in some extra effort to land a big payload.
