Social media has changed the way we interact, we now give more people access to our private lives. Growing up, it was hard to get pictures of people and other personal details but today we readily volunteer private information some of which have been used by cybercriminals to hunt or harm us.
Have you noticed the alarming rate of “beggy beggy” on Twitter and Facebook groups? Giving out your bank details can actually land you in trouble. I am personally very skeptical giving out my account number because I don’t want criminals depositing money in my account, some people have landed in EFCC for what they know nothing about.
Years ago, when I first arrived in the UK for my Master, I got a call from my relative asking me to give him my UK account number, it was a strange request, so I asked why he is requesting my account details and he explained somebody wants to send him money and requested a UK account number. So I asked him to tell the person to call me.
So a strange number called me that I should send my UK account number. I recorded the call. I asked the caller what the business transaction is about and why he is not using Western Union or MoneyGram, he didn’t give a straight forward answer, it was pretty much a “yahoo” transaction. God forbid! I will never be a conduit for such illicit transaction.
Anyway, I told him I am indeed related to this person but I have not seen him in almost a decade and I don’t want to be part of their business, it turned out that the man was looking for someone to hold in case he gets scammed, he advised me to continue to be good, I told him I have recorded the conversation and I don’t want to be contacted. Till date this person never asked me why I refused, I took it that he knew what he was doing. Folks, be careful even with people who are related to you by chance.
Are there times you have been asked for your account number? Be careful especially when someone is requesting to send you a fat sum. Even for your relative, you should decline unless you understand what it is all about. You may unknowingly be receiving proceeds of crime, or your account is being used for fraudulent transactions. There are people roasting in prison for receiving funds in their account and the criminal made them withdraw cash such that they can’t be traced and they get a token for volunteering their bank account. The account holder is then arrested during the investigation while the real criminal is at large.
If someone asks you for account number ask questions?
You see all these posts on Facebook groups and Twitter asking for account number please avoid them but I know the hardship in this country won’t let some people be great😌.
I personally avoid transferring money to people whose character I am unsure of, I don’t want to receive or send money to unscrupulous people. I don’t want to be called to answer questions for things I know nothing about. I am sorry but I don’t like free money, I love my peace of mind.
By now those of you who have “yabbed” me in the past when I tell you I don’t do mobile Banking transfer, I hope you now get the memo? I like my Bank Statement Clean. By the way, if you seriously need to do a Bank transfer always leave a remark on what the transaction is for. I typically write “payment for xyx”, “donation for abc” etc. Better safe than sorry, it doesn’t completely exonerate you in some cases but it could be useful especially for those “onigbese” people.
Even Churches have been queried for receiving Tithe and offering from people under investigation. I recall a story of one Lawrence Agada who stole 39 Million from Sheraton Hotel Ikeja, the investigation showed that he used most of the money he stole to sew seed to Christ Embassy, the church refused to return the money. The guy is probably still serving his term in prison. There are many others like this, so be careful who is sending you money.
I have also seen some very funny behaviour on groups and Twitter thread. On RANT HQ I see some people making posts asking people for their Nicknames, represent your primary and secondary School, some ask about marriage anniversary, the city you grew up in and other secret question. My friend, when you give out details like this you are making it easy for people to profile you. If you give out this information what do you have left as SECRET QUESTIONS?
What’s a secret question? A secret question is a question/answer combination known to only the person that created it. They are often used as an added layer of security login and commonly used in password retrieval.
The following are examples of security questions you should keep to yourself. Don’t join those lousy threads and Facebook group posts:
What is your mother’s maiden name?
In what city or town did your mother and father meet?
What was the name of the hospital where you were born?
What was your first pet?
What was the model of your first car?
What was your favorite food as a child?
In what city were you born?
What was your father’s middle name?
What was your childhood nickname?
What is your favorite team?
What was your childhood nickname?
What is the name of your favorite childhood friend?
What was the name of the company where you had your first job?
What is the middle name of your oldest child?
What is your favorite movie?
What was your favorite sport in Secondary school?
What was the make and model of your first car?
In what town was your first job?