b. reasons / examples of related fraudulent behaviour

c. opinions / solutions

These fraud methods are destructive but effective. The phone scammers always create stories which are persuasive. These cunning scammers employ intimidation tactics such as pretending to be your family member or friends.

Elderly people are particularly vulnerable to this fake stories. They may believe the fraudsters and finally lose all money they have for the rest of their lives.

Solution 1.doesn't give personal details

2.call police The victims including the elderly and teenagers should be careful when they receive phone calls from strangers

b. Everyone uses phones and computers these days. so, the more online devices users, the more scammers. These internet fraudsters appear frequently. They usually try to trick people into transferring money to a false bank account, buying products but having nothing in return. For example,

c.check the website or phone number if it is suspicious. Also, don’t trust the suspicious email and any stranger’s call.

C.1. Be Skeptical of Unsolicited Messages especially on email messages or other online messages. For example, scammers often send fake emails or texts claiming to be from banks, government agencies, or well-known companies. Internet users should always verify the source by checking official websites or contacting the organization directly.C.2. Create Stronger Passwords Online users must create unique passwords using a combination of uppercase and lowercase letters, numbers, and special characters. These users better aim for at least 12-16 characters.

  C.3. For example, on social media, share the seriousness of online fraud and warn people not to fall into the trap. Schools and education bureaus need to strengthen publicity on the impact of online fraud on people, such as teachers warning students of the threat of fraud to people in class. Social workers such as district councilors should also strengthen reminders to neighbors to avoid falling into fraud traps and publicize the seriousness of fraud to people. Let people from all walks of life not be easily asked for personal money and interests by fraudsters.

*Asking you for money,your personal details or to transport items for them.

B. *they are lack of money

*it was their job

C. *don’t take online relationships so seriously

*be cautious and never send money or sensitive information to someone you haven’t met in person

-scammers gain your trust by pretending to have strong feelings for you

-Asking you for money, your personal details or to transport items for them.

-romance scam is a confidence trick involving feigning romantic intentions towards a victim, gaining the victim's affection, and then using that goodwill to get the victim to send money to the scammer under false pretenses or to commit fraud against the victim.

B.

-they are lack of money

-it was their job

-The scammer wants to establish a relationship as quickly as possible, endear himself to the victim, and gain trust.

C.

-don’t take online relationships so seriously

-be cautious and never send money or sensitive information to someone you

b. Everyone uses phones and computers these days. so, the more online devices users, the more scammers. These internet fraudsters appear frequently. They usually try to trick people into transferring money to a false bank account, buying products but having nothing in return. For example,

c.check the website or phone number if it is suspicious. Also, don’t trust the suspicious email and any stranger’s call.

b. Everyone uses phones and computers these days. so, the more online devices users, the more scammers. These internet fraudsters appear frequently. They usually try to trick people into transferring money to a false bank account, buying products but having nothing in return. For example,

c.check the website or phone number if it is suspicious. Also, don’t trust the suspicious email and any stranger’s call.

Good morning everyone,

Today, I want to talk about phone scams. I believe phone scams are the most serious fraud in our society. Why? Because they are easy to do, hard to stop, and hurt many people.

"We think phone fraud should be the most serious fraud threatening Hong Kong. These fraud methods are effective. The phone scammers always create stories which are persuasive. These cunning scammers employ intimidation tactics such as pretending to be your family member or friends. Elderly people are particularly vulnerable to this fake stories. They may believe the fraudsters and finally lose all money they have for the rest of their lives. Solution

❷How do phone scams work?

Scammers call or message you. They pretend to be someone you trust—like a bank officer, a police officer, or even your family member. They tell scary stories, like:

- "Your bank account is in danger!"

-"Your son is in trouble! Send money now!"

These lies make people panic. When people are scared, they act fast—and send money before thinking.

❸Who is in danger?

- Elderly people often believe these calls because they trust others.

- Teenagers may get tricked because they don’t know about scams.

- Even smart people*can lose money if the scammer sounds real.

How can we stop phone scams?

1. Never share。 personal details—like passwords or bank numbers—on the phone.

2. Slow down。 .Scammers want you to act fast. Always stop and think.

3. Call the police。 if you feel something is wrong.

4.call police The victims including the elderly and teenagers should be careful when they receive phone calls from strangers"