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Paypal Users: Don't Get Caught By Phishers
 | eb8There is a rising trend in Paypal phishing scams. The latest Paypal spoof I received warns me that my Paypal account has been suspended. It asks me to restore full access to my account by logging in to Paypal. When I click on the link provided in the email, I am sent to a website that looks exactly like the PayPal login page. But the link does not go to Paypal. This is the link displayed in the email I received. https://www.paypal.com/cgi-bin/webscr?cmd=_login-runWhen you click on the link it actually takes you to a phisers page. It is generally not a good idea to click on links in an email. If you do, be sure that you are signing into the Paypal website by looking at the address location area of your browser. If you have already replied to the fraudulent email, contact your bank or card companies immediately to prevent identity theft. If you wish to check your Paypal account status, manually type PayPal's
Dec
Total UK
personal debt
Total UK personal debt at the end of October
2007 stood at £1,391bn. The growth
rate increased to 9.7% for the previous 12 months which equates to an increase of £122bn.
Total secured
lending on homes at the end of October 2007 stood at £1,169bn. This has increased 10.5% in the last 12 months.
Total consumer
credit lending to individuals in October 2007 was £222bn. This has increased 5.8% in the last 12 months.
Total lending in October 2007 grew by
£8.8bn. Secured lending grew by £7.3bn in the month. Consumer credit lending grew
by £1.4bn.
Average
household debt in the UK is £8,920 (excluding mortgages). This figure increases to £20,741 if the average is based on the
number of households who actually have some form of unsecured loan.
Average
household debt in the UK is £55,877 (including mortgages).
Average owed by every UK adult is £29,311 (including
mortgages). This grew by £250 last
month.
Average outstanding
mortgage for the 11.8m households who currently have mortgages is £99,090.
Two
fifths of mortgagors have secured debts of over £90,000, up from one fifth in
2004.
Average
interest paid by each household on their total debt is approximately £3,744 each year (this equates to ~ 9%
of take home pay).
Average consumer
borrowing via credit cards, motor and retail finance deals, overdrafts and
unsecured personal loans has risen to £4,678
per average UK adult at the end of October 2007.
Britain's personal debt is increasing by £1 million every 4 minutes.
Today
in the UK:
- Consumers will borrow an additional £335m today
- The average household debt will increase by over
£13.45 today
- 77 properties will be repossessed today
- 305 people today will be declared insolvent or
bankrupt
- 2,750 County Court Judgements (CCJs) issued
- Bank and building societies will hand out £1bn
in mortgages today
- Citizen Advice Bureaus will deal with 6,600 debt problems today
- The average car will cost £15.40 to run today
- More than 7,716 loan repayments are going unpaid
every day
- The average home will cost £30 today to run
- Raising a child to the age of 21 will now set
you back £23.50 daily
- The price of a typical house will increase by £33
today
- £526m will be withdrawn from cash machines today.
- 24.5m transactions worth £1.4bn will be spent on
plastic cards today
- 1/3rd of all groceries we buy today
will end up in the dustbin.
 Total UK personal debt
Total UK personal debt at the end of September 2007 stood at £1,380bn. The growth rate increased to 10.0% for the previous 12 months which equates to an increase of £120bn.
Total secured lending on homes at the end of September 2007 stood at £1,163bn. This has increased 10.9% in the last 12 months.
Total consumer credit lending to individuals in September 2007 was £217bn. This has increased 5.8% in the last 12 months.
Total
lending in September 2007 grew by £11.2bn. Secured lending grew by
£9.8bn in the month. Consumer credit lending grew by £1.4bn.
Average household debt in the UK is £8,681 (excluding mortgages). This figure increases to £20,189 if the average is based on the number of households who actually have some form of unsecured loan.
Average household debt in the UK is £55,403 (including mortgages).
Average owed by every UK adult is £29,063 (including mortgages). This grew by £350 last month.
Average outstanding mortgage for the 11.8m households who currently have mortgages is £98,517
Average interest paid by each household on their total debt is approximately £3,718 each year (this equates to 9% of take home pay).
Average
consumer borrowing via credit cards, motor and retail finance deals,
overdrafts and unsecured personal loans has risen to £4,554 per average UK adult at the end of September 2007.
Britain's personal debt is increasing by £1 million every 4 minutes.
Today in the UK:
- Consumers will borrow an additional £330m today
- The average household debt will increase by over £13.25 today
- 77 properties will be repossessed today
- 317 people today will be declared insolvent or bankrupt
- 2,750 County Court Judgements (CCJs) issued
- Bank and building societies will hand out £1bn in mortgages today
- Citizen Advice Bureaus will deal with 6,600 debt problems today
- The average car will cost £15 to run today
- More than 7,716 loan repayments are going unpaid every day
- The average home will cost £30 today to run
- Raising a child to the age of 21 will now set you back £23.50 daily
- The price of a typical house will increase by £45 today
- £500m will be withdrawn from cash machines today by 7.5m people across the UK
- 24.5m transactions worth £1.4bn will be spent on plastic cards today
- 1/3rd of all groceries we buy today will end up in the dustbin.
Total UK personal debt
Total UK personal debt at the end of August 2007 stood at £1,363bn. The growth rate increased to 9.9% for the previous 12 months which equates to an increase of £115bn.
Total secured lending on homes at the end of August 2007 stood at £1,148bn. This has increased 10.8% in the last 12 months.
Total consumer credit lending to individuals in August 2007 was £215bn. This has increased 5.5% in the last 12 months.
Total
lending in August 2007 grew by £9.5bn. Secured lending grew by £8.5bn
in the month. Consumer credit lending grew by £1.0bn.
Average household debt in the UK is £8,873 (excluding mortgages). This figure increases to £20,635 if the average is based on the number of households who actually have some form of unsecured loan.
Average household debt in the UK is £56,309 (including mortgages).
Average owed by every UK adult is £28,707 (including mortgages). This grew by £160 last month.
Average outstanding mortgage for the 11.8m households who currently have mortgages is £97,209
Average interest paid by each household on their total debt is approximately £3,725 each year (this equates to 9% of take home pay).
Average
consumer borrowing via credit cards, motor and retail finance deals,
overdrafts and unsecured personal loans has risen to £4,524 per average UK adult at the end of August 2007.
Britain's personal debt is increasing by £1 million every 4 minutes.
Today in the UK:
- Consumers will borrow an additional £315m today
- The average household debt will increase by over £13 today
- 77 properties will be repossessed today
- 317 people today will be declared insolvent or bankrupt
- 2,750 County Court Judgements (CCJs) issued
- Bank and building societies will hand out £1bn in mortgages today
- Citizen Advice Bureaus will deal with 6,600 debt problems today
- The average car will cost £15 to run today
- More than 7,716 loan repayments are going unpaid every day
- The average home will cost £30 today to run
- Raising a child to the age of 21 will now set you back £23.50 daily
- The price of a typical house will increase by £42 today
- £500m will be withdrawn from cash machines today by 7.5m people across the UK
- 24.5m transactions worth £1.4bn will be spent on plastic cards today
- 1/3rd of all groceries we buy today will end up in the dustbin.
Servicing Debt
New figures show that debt enquiries to Citizens Advice Bureaux in England and Wales
have hit a record high, increasing by 20% in the last year and bringing
the total to 1.7 million in 2006/07. The number of debt problems
brought to bureaux has doubled in the last 10 years. ]]>
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address into your browser and log in normally.
I was able to tell that it was a spoof email because the email began with “Dear PayPal member." Paypal will always address you by your first and last name. They will never send you a message and address you as “Dear PayPal member” or such.
Another way to tell if an email is from Paypal is to look at the full header. The email header is your indication of whether the email is from Paypal or not. When looking at the header it should say who sent the email in the first two lines. Example in the latest spoof email I received it came from
Return-Path: lester@server.ravin.net
Received: from http://server.ravin.net
If it doesn’t say that it passed through Paypal’s server, then you know the email is a spoof. The FBI is actively investigating these spoofs, so please report any suspicious emails by forwarding them to spoof@paypal.com. You can also file a complaint with the Internet Fraud Complaint Center at http://www1.ifccfbi.gov/strategy/howtofile.asp .
More advice regarding protecting your Paypal account can be found at https://www.paypal.com/cgi-bin/webscr?cmd=xpt/cps/general/SecuritySpoof-outside
This work is licensed under a Creative Commons Attribution-NonCommercial-NoDerivs 2.5 License.
Rose DesRochers is the founder of Today's Woman Writing Community http://www.todays-woman.net, a supportive online writing community for men and women over 18. Rose is also the founder of Blogger Talk Blog Community http://www.bloggertalk.net, a friendly fast growing blogging portal.
Sub Prime Loan Bust Extends To Fair Isaac
Fair Isaac has taken a big hit as many people are pointing the blame for the sub prime loan bust on the FICO credit scoring model. Fair Isaac is also seeing a decline in business due to the current credit crisis that is making the demand for any type of loan product very low. The credit crisis has left many people weary or even unable to get approval for any type of loans which means that less people are having their FICO credit scores checked.
Is Home Loan Forgiveness Worth It?
Many lenders are offering their lendees financial assistance with their home loan by offering home loan forgiveness. For many people who are finding themselves in trouble with paying their bills this may seem like a great idea, but in truth it could be potentially harmful. With home loan forgiveness an amount will be forgiven off the loan itself therefore lowering the payments, but the lender will report the money that is forgiven to the IRS which in return the lendee will have to pay taxes on at the end of the year. A person that is considering home loan forgiveness should carefully determine whether this option is the best for their financial circumstances.
How To Get Out Of Credit Card Debt Faster
It is very easy to swipe a credit card and then find oneself later in a large amount of debt. Many people are unaware that the minimum payment that they are making each month on their credit card is simply not enough and that if they want to get their credit card debt down they need to make higher monthly payments. Another key in getting out of credit card debt is that once the money is paid down on the card it is imperative to not use the credit card and accrue any more debt. If there is a need for financial assistance, using an online payday advance can be more debt friendly than using a credit card.
How Your Credit Card Reflects On Your Credit Report
There are many determining factors that make up a persons credit score and one of the major factors considered is a persons credit card history. Having a credit card or even numerous credit cards is not necessarily a bad thing when it comes to how a persons credit score is scored. In fact, a person with credit cards that pays on their cards in a timely manner and keeps a balance of the card can actually gain a higher credit score than a person who completely pays off their credit card.
The Importance Behind Checking Your Credit Report
The accuracy of ones credit score is very important when it comes to the rates in which a person may receive a loan. Since it is very common for human error to occur when data is being entered on a persons credit report is imperative for people to check their credit report for inaccuracies.
Finally A Cut In Interest Rates
The economy has been hindered recently with high rise in home loan defaults and other economic crisis so when the U.S. Federal Reserve cut interest rates by half a percent, a sigh was heard across America. The recent cut of interest rates means that home loans and auto loans will be available with lower rates. The recent interest rate cut was one waited for four years and has caused economy to show more activity then it has in the past.
Cash Advance Loans Are Great For Vacations
When the situation arises to where you may be trying to go on vacation, but the only time that you can take off from work falls in between paychecks, online cash advance loans can get you the money you will be receiving with your upcoming payday. Online cash advance loans are loans in which can be applied for online and received via direct deposit. Cash advance loans can get you up to $600 from your upcoming payday and requires no credit checks.
Stay Up With Vegas With An Online Payday Advance
Going to Vegas is great, but what happens when you run out of money? With an online payday advance the money you need to continue your vacation in style is available up to $600. An online payday advance allows people to have direct access to their payday when they are on vacation and even when they are not on vacation.
Payday Loans Are Great Short Term Loans
When a need for immediate cash arises, payday loans are the quickest way in which one can acquire the money that they need. Payday loans are loans which can be applied for online and can be used for any financial situation one may have in their life. Payday loans are quick and easy to acquire and allow people to avoid the embarrassment of being turned down for a loan from a bank or family and friends.
Stay On Track With Payday Loans
Payday loans are the perfect answer for any person with any credit situation to get the money they need to handle their finances. When a person needs extra money, the money can easily be attained by simply going online and filling out a quick application for a payday loan. The funds from the approved payday loan are deposited directly into the applicants bank account and repaid in the same manner.
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