In reality it’ll be your own money you’re ‘returning’ to them. They’ll then convince you to send it back to them. In some instances, the scammer may have moved money between your accounts so it looks like they’ve sent too much. By handing this information over, they’ll have everything they need to move any money from your account. They may also ask you for a code sent by the bank (from your Secure Key for HSBC customers) so they can ‘process the refund’. The scammer will still have remote access, meaning they can see everything you’re typing – including your online banking log on details. They’ll then try to persuade you to log on to online banking to check you've received the money. The scammer may offer a refund for your inconvenience. You may also be asked to download software, visit a specific website or follow instructions which give them control. They’ll try to convince you to give them remote access to your computer by saying they can help with something like a slow internet connection, or fixing a virus. With this type of scam, you may receive a call out of the blue from someone claiming to be your bank, an internet or utility company, or even the police.

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