Someone responds to an sms that says congratulations, you lucky devil! You've won RM20,000 and a brand new car! Call this number to redeem your prize!
Because the name of a well-known product appears in the sms, the sucker diligently calls the number. The polite stranger on the line says yay... so lucky lah you!! Ya this is genuine, no scam! But there is one condition. You must pay a RM3,000 government tax first to release the winnings and you must bank it in to a special account.
A mere RM3,000 tax for a RM20k cash prize and a brand new car worth RM59k? Only a fool would refuse such a deal right? So the guy withdraws RM3k cash and promptly transfers it to the special account.
There is one last step, the stranger on the line says. Go to the ATM machine tomorrow, call me when you get there and I'll lead you keystroke by keystroke through that important last step to claim your prize.
Over the moon with his incredibly good luck, the man tells everybody in the village the good news. He could hardly sleep in his excitement that night.
The next morning, he goes to the ATM as instructed, calls up the stranger and does exactly as instructed. He stands in front of the machine, one hand holding the phone to his ear, the other pressing the ATM buttons on cue, his mind filled with happy thoughts of sugar and candy. When its done, the stranger says congratulations Mr. Winner!! Next week, on such a day and time, please go to this place in town where you will pick up your prize along with a few others who had also won!So the happy guy impatiently counts the days. On the promised date, he goes off to town to claim his prize. His wife and children waves him goodbye at the door, anxious for this unexpected gift from heaven. Oh, the problems this extra money would solve. They had planned a little celebratory makan that evening, even invited the neighbours too.
Our friend finally arrives at the address. He finds it to be a padang, an empty field, not a soul in sight. Yes the address is correct but there's nothing there but grass and a few trees. In panic, he calls up the stranger's number. Hears "Nombor yang anda tuju sedang tidak aktif." Tries 3 times, same thing. He turns a shade pale, instinctively runs to a bank's ATM across the road and checks his account balance. There must have been a change in plan, he thinks. Maybe they decided to bank in the winnings directly.
And there it was gloriously splashed on the ATM screen: Baki akaun RM5.23.
But he had RM6,500 last week! he thought. He never touched his account after withdrawing the RM3k for that 'government tax.' Well, except for the time when the kind stranger told him to do something at the ATM the day after. Wait.... what the... oh shit what did he do...?
On the way home, his head spins. How's he going to feed a family of 5 with RM5.23, and its only the 6th of the month? He arrives home with a long face. The family is devastated at the news. Word gets around the village. A few people drop by to give sympathies. Some shake their heads at how people have the heart to steal from innocent people. The others shake their heads at how our friend, such a smart fellow that he is, could swallow this 'offer' hook line and sinker.
But regardless of the opinions, everyone agrees on one thing. The man "KENA PUKAU!!" Yes he's defintitely the victim of a hypnotic spell, cast over the 3G handphone network no less. There's no way that a perfectly sane, smart person could fall for such a scam! No, they definitely must have done something to him, some black magic that caused him to act like a zombie! Its the only logical explanation!
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HOW THEY DO IT
This is what happens at the ATM as related to me by a victim and a bank officer familiar with such cases.
Over the phone, the stranger tells you to stick your ATM card into the machine and select "activate internet banking." (Yes it was targeted at those without internet banking.) During the process, he will assure you repeatedly that your money is safe because he's not asking for your PIN number. Good right? But for just the record, the stranger says, could you say out the 16-digit number printed on the face of your ATM card please?
That string of numbers is not a secret, you comfort yourself. Otherwise the bank wouldn't have printed it so openly, so what harm can it be to tell it to a stranger? So you say it out, the stranger says thank you and hangs up.
With that done, here's what the scammer does.
He goes to your internet banking portal, does a first-time login. To grant access, the system must know that the user had requested activation manually at an ATM machine. That's already done by the victim at the direction of the scammer.
Next the system asks for 2 things: the 16-digit ATM card number used to apply for access and the first-time password, which is often the default 123456. Type those in, click confirm and wa lah! Access granted.
So he logs in masquerading as the user, transfers your money to any 3rd party account of his choice and that's the last you'll hear from the man.
The most unfortunate victims are those who are ignorant about Internet banking and are too embarrassed to make a report. Meaning proud people, low education. They may find their balances forever near zero. How does that happen? Easy. Once online access is granted, the scammers log in every day to see if they can steal more money, and the thieves don't even have to be in the country to do it.
So... please, good people. Beware of unsolicited prizes. The lunch may not only be not free, but more expensive than you can possibly imagine.
And don't get me started on that pukau nonsense. Don't you think the Americans would have used it to invade Iraq without firing a single bullet? Just make a few long distance phone calls to their enemy's leaders, cast some pukau spell and wa lah, everyone turns into zombie-robots, ready to do your bidding. Easy as pie.






