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People online may not be who they claim to be.
Financial Exploitation – Age 11-14
In KS3 PSHE lessons children learn how to handle their money. One aspect of this is being able to recognise, and be on guard against, financial exploitation. In this quiz, written specifically for children in years 7, 8 and 9, we look in depth at this topic.
Financial exploitation is a crime but what exactly is it? Well, it is when your money is taken by deception or other means rather than by out and out theft. Though deception is the most common form of financial exploitation, threats of violence are also used.
Financial exploitation is all around us: online, on your phone, at your doorstep or just about anywhere else. That being the case, you must always be on your guard against it.
1 .
Many young people become “drug mules”, moving drugs from place to place for criminals. How are “drug mules” kept in “the trade”?
By promises of cash
By threats of violence
By promises of drugs or alcohol
All of the above
2 .
Somebody knows an embarrassing secret about you and says they will tell others unless you pay them. This is a crime, but what is it called?
Red Letter
Scarlet Secret
Blackmail
Dark Demands
If someone tries to blackmail you NEVER pay them. If you do then they will come back for more money in future. Instead, block all contact with them, save any evidence and consult the police
3 .
Your bank phones you up and says they have important information to give you. Before they can, they need to confirm it is you by taking your username and password. Should you give it?
No. Banks never phone you and ask for those details
Yes. They need to confirm it is me
No. Never give your password over the phone
Yes. They must be genuine or they wouldn’t know my number
Sometimes we do have to give our passwords and other details over the phone. But this is ALWAYS after you phone them – NEVER if they phone you. Never give any personal information to somebody who has phoned you up
4 .
You receive a letter telling you that you have won £250,000 on the National Lottery. All you have to do is supply your bank details and they will transfer the money to your account. How do you know that this is a scam?
If you have won then you will have a winning ticket
The National Lottery does not notify winners by post
Prizes worth more than £50,000 have to be claimed in person
All of the above
Letters from scammers usually provide other clues that it is a con. The paper may be of poor quality, as might the printing. Spelling and grammar may not be of the best standard either. But most of all, if you do not have a winning ticket then you know you have not won
5 .
There is a type of fraud which lures investors to pay and earlier investors get that money. What are these schemes known as?
Donzi Schemes
Tonzi Schemes
Ponzi Schemes
Bonzi Schemes
Ponzi schemes, also known as pyramid schemes, rely on new investors coming in to give money to older ones. If no new investors come in then no money is received. These schemes only work for the initial investors. Never make an investment without first checking it out with a financial advisor
6 .
You are surfing the web when you see an advert. It says that you can earn £10,000 a month and can choose your own hours. The only thing is you have to pay £500 to start. Is this a scam?
Most probably
Possibly
Unlikely
No
Jobs which earn that much money are highly sought after. They would be unlikely to have to advertise the position on the internet.
Beware of any project which asks you to pay money up front. And beware of offers which seem too good to be true
Beware of any project which asks you to pay money up front. And beware of offers which seem too good to be true
7 .
You pass your driving test and get your first car. Then you have to get it insured. Below are the email addresses and prices of 4 brokers you see advertising. Only one is genuine. Which?
£200 – youth-insurance@gmail.com
£400 – michael-insurance@yahoo.com
£600 – broker@hotmail.com
£800 – tim@hillsinsurance.com
The two biggest warnings are the price (fraudsters usually offer much cheaper prices than genuine insurers) and email addresses. Free email accounts are rarely used by legitimate companies
8 .
Susan receives 4 emails all claiming to be from her bank but only one of them is. Looking at how each email begins, which is most likely to be genuine?
Hello there
Hi customer
Hi Susan
Hello valued client
Fraudsters are unlikely to know your name – unless your email address contains it.
Other clues to look out for are fake email addresses, spelling mistakes and grammatical errors. Never click a link or open an attachment if you do not know who sent it and trust them
Other clues to look out for are fake email addresses, spelling mistakes and grammatical errors. Never click a link or open an attachment if you do not know who sent it and trust them
9 .
Romance scams are a feature of modern life. People fall in love online and then are asked for money. Which of these is NOT a possible sign that your true love is a fraudster?
Their online pictures look amazing
They want to talk on the phone as well as via messages
They don’t talk about themselves much
They ask you for a train fare so that they can visit you
Fraudsters are not who they claim to be, so they do not want to talk about themselves. In fact, they could be of the opposite sex to that they claim, so talking on the phone is very unlikely to happen.
People do fall in love online but for every fairy story there is also a nightmare. Be on your guard
People do fall in love online but for every fairy story there is also a nightmare. Be on your guard
10 .
Your driveway needs resurfacing when a man turns up on your doorstep and says he can do it half price if you pay him right now. Would it be a good idea to hire him?
Yes. It’s a bargain to get the job done at half price
No. You have no idea if he is honest or of the standard of his work
Yes. You do not want to miss this once in a blue moon opportunity
Possibly. Check him out then ask him to come back in a few days
Paying builders is a large investment so you want to make sure you get a reliable and trustworthy company to do the job. Before you hire anyone make sure you have checked out how happy previous customers are with their work. And be cautious about paying money up front
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Once they have you then it can be hard to leave. Fear of violence is the main way criminals force children to work for them