The problem here is that there is no concept of authentication surround existing mail protocols. It is all too easy to forge mail headers so where it appears to come from is probably forged. Banks themselves are increasingly looking at second factor authentican a something that you have (as well as what you know) like a username or password). Second factor authentication or some organisation that can vouch for your identity through systems such as secure ID possibly provide part of the answer. If you understand that banks almost never use email to communicate with their customers because of its lack of security then that makes you a lot safer. Any email that pupports to be from an organisation or website you are connected with that urges you to log in because something is going to happen if you don't is immediately suspicious. Regards. Tristram Llewellyn Technical Support Sight and Sound Technology Welton House North Wing, Summerhouse Road, Moulton Park, NN3 6WD Web : www.sightandsound.co.uk Email: tristram.llewellyn@xxxxxxxxxxxxxxxxxxx Support: Support@xxxxxxxxxxxxxxxxxxx General: info@xxxxxxxxxxxxxxxxxxx Phone: Support line: 0845 634 7979 01604 798 000 Sight and Sound Technology Limited is a company registered in England and Wales, with company number 1408275. Sight and Sound Technology Limited is a trading subsidiary of 2nd Phoenix Limited. Registered Address - Blenheim House, York Road, Pocklington, York, YO42 1NS. VAT Number - GB 860 2121 66. -----Original Message----- From: access-uk@xxxxxxxxxxxxx [mailto:access-uk@xxxxxxxxxxxxx] On Behalf Of ron sears Sent: Wednesday, June 11, 2008 9:48 AM To: access-uk@xxxxxxxxxxxxx Subject: [access-uk] Re: silly emails Derek, yes I would think most people on these lists have received them. I get about ten each day either from banks, fraudsters in Nigeria or some other African State and people trying to sell me products which will make my wife very happy,smile. There was a woman on the radio last week who had parted with £50,000, so you see there are such people who respond. I don't know the answer if there is one and the experts who know about hackers don't have much idea either. Maybe someone on this list can help otherwise do as we all do and just delete them. It is a problem. Regards Ron ----- Original Message ----- From: "Derek Hornby" <derek.hornby_uk@xxxxxxxxxxxxxxx> To: <access-uk@xxxxxxxxxxxxx> Sent: Wednesday, June 11, 2008 12:33 AM Subject: [access-uk] silly emails Well firslty I am not a customer of Lloyds TSB And anway why do the stupid senders send us this crap nobody is stupid enough to fall for it. Has anyone else had this crap below. Dear Lloyds TSB Customer, Lloyds TSB has sent you a mail to update your account but still you are unable to complete your account details,As a result of this, We are making an extra security checking on all of our Customers account in order to protect their information from theft and fraud. Due to this, you are requested to follow the provided steps and confirm your Online Banking details for the safety of your Accounts. Please Click Here To Start . However, Failure to do so may result in temporary account suspension. Please understand that this is a security measure intended to help protect you and your account. We apologize for any inconvenience. Thanks for your co-operation. Fraud Prevention Unit Legal Advisor Lloyds TSB. Accounts Management As outlined in our User Agreement, Lloyds TSB (r) will periodically send you information about site changes and enhancements. Please do not reply to this e-mail. 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