Tactic 1: The 'Prove It' Pivot
Scammers thrive on creating a sense of urgency and panic. They might impersonate a family member in distress or an official demanding immediate action. Instead of getting flustered, take control by asking a simple question that only the real person would
know the answer to. For example, if the caller claims to be a cousin, ask, "What was the name of the dog we had when we were kids?" or "What did we do for your last birthday?" This simple verification technique immediately disrupts a scammer's script. They rely on a universal story and have no specific personal details. When confronted with a question they can't answer, their entire narrative collapses. Legitimate family or friends will have no problem answering a personal question to verify their identity, especially if they are calling from an unusual number. This tactic is also effective against increasingly sophisticated AI voice-cloning scams, where a familiar voice might be used to deceive you. A pre-agreed-upon family safe word can also serve this purpose.
Tactic 2: The Information Lockdown
Your personal information is currency for a scammer. They use manipulative psychological tricks to build rapport and get you to reveal details you normally wouldn't. This is a form of voice phishing, or 'vishing', where the goal is to extract data. The most effective countermeasure is to say as little as possible. Do not confirm your name, your bank, your location, or any other personal detail, even if they seem to have some of it already. Often, scammers start with a vague, "Hello, is this [Your Name]?" Responding with "Yes" not only confirms your number is active but also that it belongs to you, making you a higher-value target for future scams. Instead, respond with a neutral, "Who is calling?" or "How did you get this number?". Never share passwords, PINs, or One-Time Passwords (OTPs). Remember, legitimate organisations like banks or government agencies will never ask for this sensitive information over a WhatsApp call. The less you say, the less ammunition you give them.
Tactic 3: The 'I'll Call You Back' Defence
Scammers create a high-pressure environment to prevent you from thinking clearly or consulting others. A powerful way to break this spell is to end the conversation on your own terms. Use a plausible excuse like, "I'm about to step into a meeting, let me call you back on your official number," or "My connection is bad, I'll ring you on the number I have saved for you." This move achieves two critical things. First, it immediately ends the high-pressure situation. Second, it allows you to verify the caller's identity independently. It is crucial that you do not call back the number they used to contact you, as it is part of the scam. Instead, find the official phone number for the organisation they claim to represent from their official website, or call your friend or family member on the number you already have stored in your contacts. If the caller protests or insists you cannot hang up, it is a giant red flag and virtual confirmation of the scam. A real representative or family member will understand and respect your need to verify.
