Have you ever had your wallet stolen ? Where ?
I had my wallet stolen was around 4-5 years back, when I was in the metro heading to the railway station. I still remember that I felt the hand slip into my pocket and take out my wallet in the crowded metro and when I looked around, there were a lot of people and I could not figure out who took my wallet.
Fellow toastmasters, today, I will tell you how to save yourself from fraud.
Body : 4M
That day, when my wallet was stolen, I had everything in my wallet - id, all my money, credit and debit cards and even my metro card. And that made me realize that you should never keep all your eggs in the same basket. It is better to have multiple baskets. So, since that day, my wallet only has a small amount. Bank cards and id cards go into my backpack. I was so paranoid after that incident, that for some time, I had started keeping some money in my socks as well.
Another type of fraud that is very rampant now is the paytm fraud. You get a call from an unknown number and the call would go like this.
Caller : hello beta, this is sharmaji.
You : (thinking) which sharma ji? Why is he calling from an unknown number?
You : (Aloud) yes sharmaji, why are you calling from unknown number ?
Caller : Beta, I am in mathura. My wallet and phone has been stolen, and i need money urgently. I am calling from the mobile of my hotel owner where I am staying. I have to make some payment here. Can you paytm me money on this number?
Now, you are in doubt, whether you should paytm money or not? This can be a genuine case or can be a fraud. The best way to handle this is to call up the sharmaji that you know and verify.
Have anyone of you ever fallen for credit card or debit card fraud by sharing your otp ? I was almost duped. Around an year back, I got a call from an unknown number asking me about an insurance policy for which i had recently paid the premium. I was told that there was some problem with the payment and it is not reflecting properly. And to verify the same, I would need to share the credit card no through which I had made the payment. So, I shared the credit card no. Next, they asked me to share the OTP. That got me thinking. Why would they need the OTP to verify. So, I told them that I have not received the OTP yet and asked them to call me back in 5 minutes. In those 5 minutes, I called up the insurance company and verified whether the call was from them or not. The learning is that never share your OTP or your PIN with anyone - no matter what.
Conclusion : 1M
Recently, there has been a drive to link your adhaar card with almost everything - your bank account, your credit cards, mobile no. The question that you have to ask yourself is how secure is the adhaar system. Can someone who has your adhaar number extract all the details linked to it ? What happens when an unknown person has all your information ? I will leave you now with this thought. Thanks