Mobile Spam, Scams and Halifax First Assist

iSpam

For the last few weeks I’ve been receiving a handful of phone calls every day from the same few numbers. It just feels like I’m in some kind of bad advert!

Here’s the script for a fictitious government ad campaign on data privacy:
Int. day. A small home office. Emails are flying, deals are being made, code is being written, coffee is being drunk. Suddenly a vibrating iPhone flashes up an incoming call. “Hold that thought” is instant messaged to someone in San Francisco.

A man’s thumb hits the ‘answer button’ and lifts the iPhone to his ear.

(Slightly too much silence and a bit of delay)

Anonymous Bangladeshi: “Hello, can I speak to Steefarn Le… Lieu… Lieuwarnskee?”

Man: “Yes - speaking”.

(Click) - the phone goes dead.

Man looks confused and looks at his iPhone. Returning to his instant messenger client he sees the message “Sorry man - I’m going to have to go with the other guys, I don’t have time to waste!”

A fist strikes the table sending the iPhone scattering to the floor.

Cut to Int. Evening. Same office, Man is dressed differently. He is typing furiously whilst web-streaming himself checking emails on a different computer. The iPhone (now slightly scratched) vibrates again. This time the words ‘Spam’ appear on the screen. The room darkens, and Man’s eyes focus into a look of singular intent.

Sweet Northern Lass (spritely): “Hi, is that Mister Stefan Liewanskee?”

Man (cold): “Yes, speaking.”

Lass: “Hi this is Sophie, I’m calling from Halifax First Assist! How are you doing this evening?”

Man (colder): “Good thanks”

(pause, sensing trouble)

Lass: “What it is, I’m phoning you to let you know about a special service that we’re offering just for Halifax customers called ‘Life Insurance’ that we think you’ll be interested in. But first I just need to confirm your identity so could you just confirm your Date of Birth?”

Cut to ext. Apocalyptic Sunset. London on fire. 50 story-high Large Fat Man in a Chicken Suit jumping up and down on the Houses of Parliament, with one hand gripped around a teetering Big Ben. Artillery is going off left right and centre aimed at the Large Fat Man who shrugs it off. Children are crying, pedestrians are running, the army is out with tanks trained on the Large Fat Man. Sirens are going off!

Suddenly he pulls out an oversized megaphone a huge placard reading “STOP”.

Large Fat Man in a Chicken Suit (screaming): “Stooooooop! Don’t give out your details to anyone you don’t know!”

Close up of Large Fat Man in a Chicken Suit staring imploringly at the camera. Slightly too long edit.

Cut back to office. Still night. Spotlight shines on Man and background noise fades to silence.

Man (purposeful): “No. I don’t think so.”

Spotlight cuts out, reverting sound and light to normal. Fade sound to background over man ad libbing a coherent rant about how Sweet Northern Lass should quit her job and go and do something purposeful with her sad short existence.

Overlay graphics with voiceover:

Remember: Say no to strangers.

Ends.

Back to the real world

If you receive any phone calls from anyone claiming to be Halifax First Direct they are under investigation at the moment for either being a scam to gain personal details or a ’scrape data and sell’ outfit for a disreputable nuisance-calling insurance company. It’s not really clear which.

The numbers that they may be calling on include:

But they can change numbers all the time.
Their business model

  • Get a database of numbers from somewhere.
  • Set up an autodialling service so that random numbers are dialled every few seconds.
  • When one of these numbers is answered, patch them through to Random Bangladeshi (cheap labour).
  • Get them to confirm that the name on their database is correct and then put the phone down abruptly.
  • Wait a couple of days then add that number to a ‘data clean list’ for numbers that ‘are who they say they are’.
  • Start the autodialling process again.
  • When the number is answered patch them through to Sweet Northern Lass (more expensive but can do the convincing job).
  • Hard-sell the person on the end of the line some useless service or product using a ‘verbal contract’ that is binding even though not in print (’recording for training purposes’ - rubbish, that’s for legal purposes).
  • Put the phone down and repeat.

What can you do to stop it?

Register with the Telephone Preferential Service but it wouldn’t help you much in this case.

When you receive a call and don’t recognise a number, try to google them before answering. That’s a bit paranoid, but I’ve found it useful. Particularly a service called Who Calls Me that lists nuisance and scam calls.

When you get a call listen for the ’slightly too long bit of silence’ at the beginning and for a very ‘thin sounding’ phone line. These are telltale signs that you’ve been put through to someone at random via an auto dialler. The silence is the time it takes the system to realise it’s ‘got one! w00t!’ and to connect them to a human. If you hear that, just put the phone down.

In response to the question “Is that Mr. Your Name Here?” respond with “Who is calling please?” If they give you some crap about ‘I’m calling to update our records’ just tell them you’re not interested.

If in doubt pull the ‘deceased’ card. If you tell them convincingly enough that the person they are trying to reach has died they will remove you from the list.

Do you get those ‘totally silent’ calls? That’s because there aren’t enough humans to go round at that point, so it can’t connect you and just leaves you hanging. These are illegal and these Halifax First Assist guys have also been doing that. Report these numbers on Who Calls Me.

Don’t give out any information that they don’t already have. These people want your data for whatever reason and that has a price tag. Don’t give your info to anyone unless you know what company they represent.

Don’t give out your personal information before they give you something that you can confirm with them. This is called ‘challenge and response‘ (Like in spy films where they say “The red camel flies at midnight” and in response, “so the goose must take to the east”). If they really _are_ your bank they’ll be able to offer you some information back. Something like, my birthday was in 1972 - what day of the month was it? If they can’t answer then they are not your bank or don’t have an adequate data protection system in place.

The ideal system would be for all of our banks to have some kind of public password that you give _them_ so that if they phone up and say the word “chicken suit” in response to your question “what am I wearing” (or in fact a number of questions) then you can be a little surer they aren’t data thieves.

Ask to be removed from their database. This won’t help against the criminals but any commerical organisation would be unwise to keep ringing uninterested people.

Leave Halifax. I am going to. It’s just not done giving away my details to a company like this.

Give them grief. Don’t take this lying down. Get angry but not ferocious. Don’t swear or threaten but make them feel your wrath. Tell them that their client has now lost you as a customer and you will be moving banks. Tell them that they should quit their useless and pointless jobs and go and do something worthwhile with their time in this world.

If you add up the number of wasted hours of people’s lives that companies like these generate I would not be surprised to find that it adds up to more hours than more than a handful of people spend on this earth. That’s an ugly business to be in.

There are enough rubbish jobs in the world to do, but I can’t think of many so utterly futile, pointless, soul-destroying and ultimately meaningless than what these people do day in day out.

I know. I’ve been on the other end of the line selling photocopier refills to uninterested office workers at sixteen. And what made me quit was someone telling me exactly that.

19 Comments

  1. stef
    March 25, 2008 at 8:24 pm | Permalink

    Wow! And within about 5 minutes we’re on the first page of Google for ‘Halifax First Assist‘…

  2. March 25, 2008 at 8:49 pm | Permalink

    I have a zero tolerance policy for unidentified phone calls. Every call I receive that doesn’t come up on the screen with the name of somebody I know goes straight to voicemail. Every time.

    It’s no major deal. I can check pretty much straight away if I find myself worrying there’s a chance it was important (it never is). But if there’s no message, it obviously wasn’t a life-changing piece of communication.

    I’d have thought a man who doesn’t look at emails that are not addressed only to him would adopt a similar policy… :)

  3. stef
    March 25, 2008 at 9:01 pm | Permalink

    @dubber - there is that but I thought I’d share…

  4. Keri Davies
    March 25, 2008 at 10:36 pm | Permalink

    The Telephone Preference Service does a pretty good job of keeping our landline clear of cold calls - and with the odd one that gets through I just say we’re registered with the TPS and put the phone down.

    I hate these calls with a passion.

  5. March 26, 2008 at 9:38 am | Permalink

    my technique for phone spam is to reply back as soon as i can get a word in edgeways with “hold on a sec, i’ve just got a pan on the over i need to turn down”, & then place the handset on the desk.

    it’s amazing how long some of them stay on the line waiting for.

  6. March 26, 2008 at 12:03 pm | Permalink

    Stef
    This is a fine piece of writing that I read with interest from beginning to end. It must chime with an awful lot of people; it deserves a wider audience- sell it to the Guardian!

  7. Nicky
    March 26, 2008 at 4:37 pm | Permalink

    Wow, you got one of them Iphones!

  8. April 2, 2008 at 10:38 pm | Permalink

    hello all its very wierd.
    we keep getting the 08445811014 calling and as the phones answered they put it down , but once they did ask for my a member of the family.
    when you call them back an answer machine says the PATIENT REFERAL CENTRE CALLED AND WILL CALL BACK.
    i thought it best to google and try and find out more.
    once answered the caller sounded a little freshy, like not from england, asia some place.

  9. April 4, 2008 at 10:53 am | Permalink

    Good one, Stef.

    You should get a public service award for this.

    I have googled phone numbers before and found a scam that gives you a missed call on your phone, you ring back and it turns out to be a wrong number. They get the money for you calling them back apparently. The last number to call me like this was in Scotland somewhere.

    Perhaps, we creatives should adopt this business model… ;-)

  10. vash
    June 6, 2008 at 12:47 pm | Permalink

    First Assist is an insurance company who provides Insurance products, they administrate products for banks and such, they are not scammers.

  11. vash
    June 6, 2008 at 12:50 pm | Permalink

    PS.

    "(’recording for training purposes’ - rubbish, that’s for legal purposes"

    i have worked in a call centre like it, it is used for training as you have coaches that give you feedback on calls

    you have no idea what you are talking about, this post is crap

  12. stef
    June 7, 2008 at 2:57 pm | Permalink

    @vash - thanks for clearing that one up, but are you actually defending this business of phoning people at random and scaring old folks with silent phone calls and employing a third party company to phone up your customers and ask for private details?

    Maybe you could also comment on the “business model” part of what I’ve written and tell us which part of that isn’t part of what this company does?

    Thanks.

  13. James King
    June 9, 2008 at 1:28 am | Permalink

    ‘defending this business of phoning people at random and scaring old folks with silent phone calls’

    But they didn’t make a random call, nor did they call any old folk, nor was it silent.

    They called you, knew who you were, and spoke to you.

  14. stef
    June 9, 2008 at 6:46 pm | Permalink

    @James King - maybe I’m not making myself clear but that is exactly what they did. I had loads of missed calls and silent phone calls from them. That’s why I even added a contact in my phone and called it ‘Spam’.

  15. stef
    June 9, 2008 at 6:58 pm | Permalink

    And it’s not just me who’s had hassle from these people:

    http://www.pamelaturner.co.uk/2008/04/30/halifax-firstassist-teh-evil/

    http://whocallsme.com/Phone-Number.aspx/08701287341

    http://whocallsme.com/Phone-Number.aspx/08445811015

  16. linda
    June 11, 2008 at 7:04 pm | Permalink

    I was contacted by Shila’s Wheels who are part of HBOS! There was no scamming or selling about it, I’d not returned a document.

  17. Happy as larry
    August 15, 2008 at 9:42 pm | Permalink

    FirstAssist are a legitimate company, they have offices accross the South of England. James Kings comments and responses regarding silent calls is concerning. Ofcom regulates outbound telesales and FirstAssist has for years maintained a low ‘drop call’ rate well below standards set by ofcom. When called by FirstAssist they use an 0845 prefix and if you phone back an answerphone message informs the customer that the company called.

    Vash’s comments regarding call recording is also accurate. Calls are used for training and are rarely - if ever used beyond the point of sale. If a customer has a complaint then it is usually resolved on the spot wherever possible. There is a good reason for this because finding specific calls is very time consuming and if a complaint is not resolved by the end of business on the working day when it is first raised then it becomes FSA reportable (something which is avoided at all costs).

    Based upon this information and some of the comments I believe that there are fraudsters posing as FirstAssist. If a member of FirstAssist staff asks for personal details then it is reasonable to ask them to confirm some details back to you. Genuine FirstAssist staff will have this in front of them and will do so. If you are in any doubt then explain your reasoning and the staff member will have to remove the telephone number from the database (after all expressed wishes are recorded).

    FirstAssist only contact individuals who have strong affiliations with a corporate client. Halifax being one of these. The Halifax customer may have inadvertently given consent (occasionally without having ‘opted out’) to be added to a marketing list. Because ‘consent’ has been obtained the telephone preference service will not prevent marketing telephone calls from FirstAssist.

    I hope that this clears up some of the misconceptions.

  18. KEIR
    August 21, 2008 at 4:06 pm | Permalink

    I’m receiving 10-20 calls per day from First Assist at the moment. Just in from work early and missed 5 an in the space of the last twenty minutes missed another 2 before I googled and found this site. Calls recored for training are held on your file, trust me I got my recordings after fraud was done on my old BANK of Scotland account, and reported then to the FSA. DPA and FOI Act.

    Its my belief that this is a scam as I contacted Halifax and confirmed that I opted out of any calls from there service providers, also on TPS.

    The call centre was concerned of the number of calls received and are looking into it for me. I am poised to close my accounts with them is it turns out that they have passed on my details.

  19. KEIR
    August 21, 2008 at 4:11 pm | Permalink

    Oops looks like a bit of my post went wry.

    Just had another call from FIRST ASSIST well they never said a name but number came up this time as 08445811013.

    So a NEW NUMBER is being used.

    I said WHOOOOOOO when they asked for me with sorry mate and they were off.

    Looks like Ive managed to opt out.

    Cheers for the assistance :)

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