{"id":1806,"date":"2016-04-01T18:00:02","date_gmt":"2016-04-01T18:00:02","guid":{"rendered":"http:\/\/imjussayin.com\/blog\/?p=1806"},"modified":"2016-04-06T23:01:51","modified_gmt":"2016-04-06T23:01:51","slug":"mets-top-officer-dont-blame-the-fraudster-blame-the-victim","status":"publish","type":"post","link":"https:\/\/imjussayin.com\/blog\/mets-top-officer-dont-blame-the-fraudster-blame-the-victim\/","title":{"rendered":"Met&#8217;s Top Officer Blames The Victim Not The Fraudster"},"content":{"rendered":"<p><a href=\"https:\/\/i0.wp.com\/imjussayin.com\/blog\/wp-content\/uploads\/2016\/04\/FRAUD-BHH2-www.imjussayin.com_.jpg\" rel=\"attachment wp-att-1818\"><img data-recalc-dims=\"1\" loading=\"lazy\" decoding=\"async\" data-attachment-id=\"1818\" data-permalink=\"https:\/\/imjussayin.com\/blog\/mets-top-officer-dont-blame-the-fraudster-blame-the-victim\/fraud-bhh2-www-imjussayin-com\/\" data-orig-file=\"https:\/\/i0.wp.com\/imjussayin.com\/blog\/wp-content\/uploads\/2016\/04\/FRAUD-BHH2-www.imjussayin.com_.jpg?fit=956%2C549&amp;ssl=1\" data-orig-size=\"956,549\" data-comments-opened=\"1\" data-image-meta=\"{&quot;aperture&quot;:&quot;0&quot;,&quot;credit&quot;:&quot;&quot;,&quot;camera&quot;:&quot;&quot;,&quot;caption&quot;:&quot;&quot;,&quot;created_timestamp&quot;:&quot;0&quot;,&quot;copyright&quot;:&quot;&quot;,&quot;focal_length&quot;:&quot;0&quot;,&quot;iso&quot;:&quot;0&quot;,&quot;shutter_speed&quot;:&quot;0&quot;,&quot;title&quot;:&quot;&quot;,&quot;orientation&quot;:&quot;1&quot;}\" data-image-title=\"FRAUD BHH2 | www.imjussayin.com\" data-image-description=\"\" data-image-caption=\"\" data-large-file=\"https:\/\/i0.wp.com\/imjussayin.com\/blog\/wp-content\/uploads\/2016\/04\/FRAUD-BHH2-www.imjussayin.com_.jpg?fit=956%2C549&amp;ssl=1\" class=\"alignnone size-full wp-image-1818\" src=\"https:\/\/i0.wp.com\/imjussayin.com\/blog\/wp-content\/uploads\/2016\/04\/FRAUD-BHH2-www.imjussayin.com_.jpg?resize=956%2C549\" alt=\"the screen of a laptop with a bank card from the bank of phishing | www.imjussayin.com\" width=\"956\" height=\"549\" srcset=\"https:\/\/i0.wp.com\/imjussayin.com\/blog\/wp-content\/uploads\/2016\/04\/FRAUD-BHH2-www.imjussayin.com_.jpg?w=956&amp;ssl=1 956w, https:\/\/i0.wp.com\/imjussayin.com\/blog\/wp-content\/uploads\/2016\/04\/FRAUD-BHH2-www.imjussayin.com_.jpg?resize=300%2C172&amp;ssl=1 300w, https:\/\/i0.wp.com\/imjussayin.com\/blog\/wp-content\/uploads\/2016\/04\/FRAUD-BHH2-www.imjussayin.com_.jpg?resize=768%2C441&amp;ssl=1 768w, https:\/\/i0.wp.com\/imjussayin.com\/blog\/wp-content\/uploads\/2016\/04\/FRAUD-BHH2-www.imjussayin.com_.jpg?resize=220%2C125&amp;ssl=1 220w\" sizes=\"(max-width: 956px) 100vw, 956px\" \/><\/a>Sir Bernard Hogan-Howe (BHH), The Metropolitan Police Commissioner, in a recent interview with <a href=\"http:\/\/www.thetimes.co.uk\/tto\/news\/uk\/crime\/article4720335.ece\" target=\"_blank\">The Times<\/a> said, providing online fraud refunds to customers was a &#8216;Reward&#8230;for bad behaviour&#8217;. He says, that to encourage better online security, only victims of fraud with the appropriate security software should receive refunds. This ill-conceived idea from the highest ranking police officer in the country is not only embarrassing because of the glaring legal flaw but says more about his inability to manage online fraud than the victims&#8217; security software.<\/p>\n<p>There is an important word that BHH seems to have avoided, <em>victims<\/em>. Am I to blame if I am assaulted by a stranger because I did not learn karate? Surely, fraud is one hundred percent the fault of the perpetrator? Yet BHH wants the victims twice punished, once for the emotional impact and the second time by not receiving their refund. It could be the victim\u2019s life savings. Perhaps, it has escaped BHH notice that The Consumer Credit Act[1. Section 75 of the Consumer Credit Act protects credit card users and the <a href=\"http:\/\/www.theukcardsassociation.org.uk\/wm_documents\/2011%20Lending%20code%20%20-%20revised%20Sept%202015.pdf\" target=\"_blank\">Lending Code<\/a> provides protection for other areas of fraud. ] protects against fraud and the law requires the banks to refund their customers.<\/p>\n<p>I would suggest that the police ignore cybercrime, with fewer than 1 in 100 cases investigated this would make an unfortunate headline for the police. From July 2016, for the first time, cybercrime will be included in the crime figures. Ouch! According to\u00a0Financial Fraud Action UK\u00a0losses from remote banking fraud increased 72% in the United Kingdom in 2015. \u00a0It is convenient for BHH to blame the victims when his team of experts cannot catch the <a href=\"https:\/\/en.wikipedia.org\/wiki\/Hacker_(computer_security)\" target=\"_blank\">Hackers<\/a> and <a href=\"https:\/\/en.wikipedia.org\/wiki\/Phishing\" target=\"_blank\">Phishers<\/a>.<\/p>\n<p><a href=\"https:\/\/i0.wp.com\/imjussayin.com\/blog\/wp-content\/uploads\/2016\/04\/anitvirus-software-www.imjussayin.com_.jpeg\" rel=\"attachment wp-att-1820\"><img data-recalc-dims=\"1\" loading=\"lazy\" decoding=\"async\" data-attachment-id=\"1820\" data-permalink=\"https:\/\/imjussayin.com\/blog\/mets-top-officer-dont-blame-the-fraudster-blame-the-victim\/anitvirus-software-www-imjussayin-com\/\" data-orig-file=\"https:\/\/i0.wp.com\/imjussayin.com\/blog\/wp-content\/uploads\/2016\/04\/anitvirus-software-www.imjussayin.com_.jpeg?fit=225%2C225&amp;ssl=1\" data-orig-size=\"225,225\" data-comments-opened=\"1\" data-image-meta=\"{&quot;aperture&quot;:&quot;0&quot;,&quot;credit&quot;:&quot;&quot;,&quot;camera&quot;:&quot;&quot;,&quot;caption&quot;:&quot;&quot;,&quot;created_timestamp&quot;:&quot;0&quot;,&quot;copyright&quot;:&quot;&quot;,&quot;focal_length&quot;:&quot;0&quot;,&quot;iso&quot;:&quot;0&quot;,&quot;shutter_speed&quot;:&quot;0&quot;,&quot;title&quot;:&quot;&quot;,&quot;orientation&quot;:&quot;0&quot;}\" data-image-title=\"anitvirus software | www.imjussayin.com\" data-image-description=\"\" data-image-caption=\"\" data-large-file=\"https:\/\/i0.wp.com\/imjussayin.com\/blog\/wp-content\/uploads\/2016\/04\/anitvirus-software-www.imjussayin.com_.jpeg?fit=225%2C225&amp;ssl=1\" class=\"alignleft size-full wp-image-1820\" src=\"https:\/\/i0.wp.com\/imjussayin.com\/blog\/wp-content\/uploads\/2016\/04\/anitvirus-software-www.imjussayin.com_.jpeg?resize=225%2C225\" alt=\"anitvirus software | www.imjussayin.com\" width=\"225\" height=\"225\" srcset=\"https:\/\/i0.wp.com\/imjussayin.com\/blog\/wp-content\/uploads\/2016\/04\/anitvirus-software-www.imjussayin.com_.jpeg?w=225&amp;ssl=1 225w, https:\/\/i0.wp.com\/imjussayin.com\/blog\/wp-content\/uploads\/2016\/04\/anitvirus-software-www.imjussayin.com_.jpeg?resize=150%2C150&amp;ssl=1 150w\" sizes=\"(max-width: 225px) 100vw, 225px\" \/><\/a>BHH refers to &#8220;adequate protection&#8221; but what does that mean? Most people do have software security on their systems. Antivirus software protection comes in many forms. These include open source programmes which are free and can be as good as a paid for antivirus package. Software capabilities vary depending on the computer\u2019s operation system. There is not an antivirus product on sale which provides a \u2018one size fits all\u2019 solution and banks should not be allowed to dictate a customer&#8217;s brand of software, operating system or a combination of the two.<\/p>\n<p>If we remove the responsibility from banks to protect against fraud, there will be no incentive for banks to invest in security. Banks are best placed to monitor account access and spending patterns. I have first-hand experience. Santander closed a bank account when they identified suspicious behaviour on my account. I was unlikely to identify the problem until my statement arrived. Fortunately, they acted quickly.<br \/>\nThe solution to online fraud is not to blame those who have suffered loss nor to force people into buying new technology they may not be able to afford. Fraudsters are cracking security codes at an alarming rate. Customers will be left without legal protection if they lack the means to buy the latest software. Justice should not have two tiers, one for those who have what is deemed &#8216;<em>acceptable<\/em>&#8216; software packages. \u00a0These victims would receive a refund. \u00a0The second level being no justice for those who do not have\u00a0&#8220;adequate protection&#8221; and suffer loss. They would not receive a refund. \u00a0They are also more likely to the the people most in need of protection because they are not in a financial position to update their software.\u00a0It is for the police to resolve the problem of fraud, which, <em>I believe still is a crime<\/em>.<\/p>\n<p>imjussayin<\/p>\n<p>&nbsp;<\/p>\n<p><em>In addition to any virus software being used I recommend <a href=\"https:\/\/www.trusteer.com\/ProtectYourMoney\" target=\"_blank\">Rapport<\/a>.<\/em><\/p>\n<p><b>Connect with me on Twitter: <\/b><a href=\"http:\/\/www.twitter.com\/imjussayin2\"><b>www.twitter.com\/imjussayin2<\/b><\/a><\/p>\n<p>&nbsp;<\/p>\n<div class=\"likebtn_container\" style=\"\"><!-- LikeBtn.com BEGIN --><span class=\"likebtn-wrapper\"  data-identifier=\"post_1806\"  data-site_id=\"632a645f943ec93423ce055c\"  data-style=\"\"  data-unlike_allowed=\"\"  data-show_copyright=\"\"  data-item_url=\"https:\/\/imjussayin.com\/blog\/mets-top-officer-dont-blame-the-fraudster-blame-the-victim\/\"  data-item_title=\"Met&#039;s Top Officer Blames The Victim Not The Fraudster\"  data-item_date=\"2016-04-01T18:00:02+00:00\"  data-engine=\"WordPress\"  data-plugin_v=\"2.6.59\"  data-prx=\"https:\/\/imjussayin.com\/blog\/wp-admin\/admin-ajax.php?action=likebtn_prx\"  data-event_handler=\"likebtn_eh\" ><\/span><!-- LikeBtn.com END --><\/div>","protected":false},"excerpt":{"rendered":"<p>Sir Bernard Hogan-Howe (BHH), The Metropolitan Police Commissioner, in a recent interview with The Times said, providing online fraud refunds to customers was a &#8216;Reward&#8230;for bad behaviour&#8217;. He says, that to encourage better online security, only victims of fraud with the appropriate security software should receive refunds. This ill-conceived idea from the highest ranking police [&hellip;]<\/p>\n<div class=\"likebtn_container\" style=\"\"><!-- LikeBtn.com BEGIN --><span class=\"likebtn-wrapper\"  data-identifier=\"post_1806\"  data-site_id=\"632a645f943ec93423ce055c\"  data-style=\"\"  data-unlike_allowed=\"\"  data-show_copyright=\"\"  data-item_url=\"https:\/\/imjussayin.com\/blog\/mets-top-officer-dont-blame-the-fraudster-blame-the-victim\/\"  data-item_title=\"Met&#039;s Top Officer Blames The Victim Not The Fraudster\"  data-item_date=\"2016-04-01T18:00:02+00:00\"  data-engine=\"WordPress\"  data-plugin_v=\"2.6.59\"  data-prx=\"https:\/\/imjussayin.com\/blog\/wp-admin\/admin-ajax.php?action=likebtn_prx\"  data-event_handler=\"likebtn_eh\" ><\/span><!-- LikeBtn.com END --><\/div>","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_et_pb_use_builder":"","_et_pb_old_content":"","_et_gb_content_width":"","rop_custom_images_group":[],"rop_custom_messages_group":[],"rop_publish_now":"initial","rop_publish_now_accounts":{"twitter_341138297_341138297":""},"rop_publish_now_history":[],"rop_publish_now_status":"pending","_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":false,"_jetpack_newsletter_tier_id":0,"_jetpack_memberships_contains_paywalled_content":false,"_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[9],"tags":[561,415,560,557,554,559,137,555,556,558,552,553],"class_list":["post-1806","post","type-post","status-publish","format-standard","hentry","category-civil-liberties","tag-banking","tag-civil-liberties","tag-consumer-affairs","tag-cybercrime","tag-fraud","tag-internet","tag-money","tag-online-fraud","tag-online-security","tag-scams","tag-sir-bernard-hogan-howe","tag-the-metropolitan-police-commissioner"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.5 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Met&#039;s Top Officer Blames The Victim Not The Fraudster - imjussayin<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"http:\/\/imjussayin.com\/blog\/mets-top-officer-dont-blame-the-fraudster-blame-the-victim\/\" \/>\n<meta property=\"og:locale\" content=\"en_GB\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Met&#039;s Top Officer Blames The Victim Not The Fraudster - imjussayin\" \/>\n<meta property=\"og:description\" content=\"Sir Bernard Hogan-Howe (BHH), The Metropolitan Police Commissioner, in a recent interview with The Times said, providing online fraud refunds to customers was a &#8216;Reward&#8230;for bad behaviour&#8217;. 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