Scamming: Vulnerable Individuals

Lindsay Hoyle Excerpts

Thursday 8th September 2016 Commons Chamber

[Julian Knight]

I appreciate what the hon. Gentleman is saying about the information from the local citizens advice bureau—

[Mr Deputy Speaker (Mr Lindsay Hoyle)]

Order. A load of time has been used already and we have an oversubscribed debate next, so it is unfair to use more time making interventions. Does the hon. Gentleman really need to intervene? I think that he was hoping to speak for two minutes at the end anyway.

[Stuart C. McDonald]

Thank you, Mr Deputy Speaker.

The point I was making is that we should encourage vulnerable people not to be scared about doubting someone’s honesty when they are being asked to part with cash. The fact that they are scared to do that is exactly what makes them vulnerable. We must encourage them to see that there is no downside to challenging someone in that way, because honest people will not be upset by such action. We must also encourage people to report any scams. That could help them to see justice being done and perhaps even to gain some redress. It will also help to prevent other people from falling victim to such crimes.

All this awareness raising can take us only so far, however, when the range and sophistication of scamming activity is increasing all the time. It cannot be relied on to protect significant numbers of people in those crucial moments when they are being hounded for their cash. Going beyond awareness raising, the proposals from the organisations to which the Minister referred, including Bournemouth University and the Chartered Trading Standards Institute, along with those that we have heard from hon. Members today, all provide powerful pointers for Governments at all levels about what further steps could be taken.

The opt-in procedure that my hon. Friend the Member for North Ayrshire and Arran mentioned is an attractive proposition. It could involve placing a 24-hour stop on any significant transaction or group of transactions relating to a vulnerable person’s bank account, during which time a nominated representative could be contacted to provide an opportunity to challenge the transaction. In short, it should be as close to impossible as it can be for a vulnerable person to transfer the entire contents of their account to somewhere else without major questions being asked.

We also need to think about considerably increasing the resources that we invest in tackling this problem, using not only public money but the time and money invested by companies to protect their most vulnerable customers and clients. For my own part, I shall happily sign up to be a “scambassador” and I know that many other hon. Members will do so if they have not already. The fight back against these wicked and callous fraudsters deserves all the support it can get.

[Nusrat Ghani (Wealden) (Con)]

I thank my hon. Friend the Member for Solihull (Julian Knight) for bringing this important debate to the Floor of the House. I am going to focus on scams targeted at the elderly. As chair of the all-party parliamentary group on older people and ageing, I hosted the launch of the first report of the Sussex Elders Commission. This was the first listening exercise of its kind for older people, and it received almost 2,500 responses from elderly residents of Sussex about policing, crime and community safety. It asked them about their concerns and what they feared most about staying safe. Their concerns about scamming were profound.

Based on projections from national data, the commission estimated that there could be as many as 13,000 cases of elder abuse in any given year in Sussex alone—two counties with a combined population of only 1.6 million. For example, the commission heard that one man’s elderly brother was dying of cancer and quite frail. He was persuaded to pay £2,000 for essential roof and damp repairs, but the only work completed was some painting over of the damp. A couple aged 85 and 86 were scammed out of £8,000 through a postal scam, and their daughter lost money in the process of trying to recover the funds. Another woman was charged £450 for a minor building repair that was subsequently valued at £30.

Scams targeted at elderly people purposely target vulnerable people. The perpetrators see them as more trusting and less inquisitive. They may be less mobile and more easily cornered. Perhaps they are lonely and isolated, and therefore more welcoming of contact from other people, whether strangers or not. They might just be keener to ensure someone leaves them alone, and therefore more willing to pay a price in order to get rid of them, just because it is easier. Also, some older people might not have all their faculties and might not be aware that they have become a victim of a scam.

The scammers formulate a scheme designed to prey on those characteristics, particularly the vulnerability and isolation of older people. Even worse, they are able to pull this off while the victim is at their own front door, sitting in their living room using their own phone, opening their own post or responding to what seems like a personal email. As a result of the impact of such scamming, one in five older people in Sussex is afraid to answer the phone in their own home. These scams are carried out not only by strangers in far-flung countries or nearby communities, but by members of the victim’s own family, or perhaps by a carer or close friend. An investigation by The Times earlier this year found that adult social services had received allegations of 21,935 cases of theft and fraud against elderly victims in the 12 months to March 2016.

I welcome the Home Office’s creation of a joint fraud taskforce in February this year to develop better solutions to address the increasingly common nature of these types of crime. Age UK is also doing very good work, including in my own county of East Sussex where the average high-risk victim loses £23,000 over a three-month period. It provides support services to victims, with an individual support plan to address their needs, including advice on handling unexpected calls. But as a society we also need to do more to encourage family members to better protect and look after their elderly relatives. For example, investing in hidden cameras for an elderly relative’s home can make it easier for the police to catch regular perpetrators. One of the big issues at the moment is that it is too easy for them to get away with it and repeat the crime. We have heard a lot about call blocking technology, but it is incredibly difficult for older people to install it themselves, so we should urge family members to do that for their elderly relatives.

We have heard about a duty of care, whether on the part of postal workers or of bank staff, and I believe that that should go further. I suggest that scams targeting the elderly be re-categorised as an aggravated crime, because they specifically target a vulnerable person. This could form part of a new type of crime named elder abuse, and I appeal to Members to support my campaign to change the law to recognise this new type of crime. We already treat child abuse as a separate crime, and while I obviously recognise the real differences between physical child abuse and scams against the elderly, both are especially repugnant because they target those least able to defend and protect themselves.

San Diego in America has an official elder abuse prosecution unit. As the Ministry of Justice conducts its review of sentencing, I would strongly encourage it to make elder abuse a priority focus. We should draw on initiatives such as the one in San Diego, where the reporting of elder abuse is mandatory. Referrals follow a checked process which makes it easier to collect evidence and to prosecute, and caseworkers are assigned to any older person who is seen as the victim of abuse or a scam. Anyone who betrays the trust placed in them by the elderly, or who specifically targets the elderly because they are trusting—

[Mr Deputy Speaker (Mr Lindsay Hoyle)]

Order. The hon. Lady’s time is up.