The transcript records a telephone conversation between a caller identified as Richard from a company called "Telephone Security" and a customer (Speaker B). Richard repeatedly asserts that the customer paid a one‑off £49 fee two weeks earlier for a service that would stop nuisance or scam calls. He claims the money has already been taken from the customer's bank account and insists on verifying the customer's bank and card details, citing UK data protection laws and Ofcom as justification for not disclosing information. The customer repeatedly questions the existence of the payment, asks for confirmation of the company’s legitimacy, and seeks validation of the bank details. Richard provides a physical address (47 Sun Court House, Essex Road, London) and attempts to appear legitimate, but continues to press for verification without offering proof of the alleged charge. The exchange illustrates classic scam tactics: false payment claims, pressure to provide financial details, misuse of regulatory language, and superficial provision of contact information to gain trust.
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I'm saying, sir, you paid us a one-off payment, that is £49, for stopping the unwanted calls on your number. Sure you do remember that, right? Um, well, I paid you £49 to stop people calling me, uh, the nuisance calls or the scam calls, people who are just trying to ring you up or wasting your time. We will be stopping that kind of calls. And that is why we take £49 on your bank account.
Well, I don't remember doing that. When did that happen?
It happened a couple of weeks ago, sir, when you were the one who wanted to stop the calls, and that's why.
I don't think that was me.
It was you, sir, and you were the one who wanted to stop the calls.
Um, what, you're saying that I paid 2 weeks ago to stop nuisance calls?
The money has been taken out on yesterday. You spoke with me 2 or 3 weeks ago.
Right, so I would have had to give you my, my bank details and all that.
I need to verify the information which you gave us in the first place.
Oh, I see. So you need to verify my bank details.
Yep.
Right. Um, well, maybe I should verify that you've got the right bank details. Isn't that best?
Are you the verifier for my company, sir, or you are? I think I am, right?
Am I what?
I think I am a verifier of my company. You are not, right? So the verifier have a right to verify the information to the customers.
Right, right. So you want to verify my bank details?
I need to verify those details which you gave us in the first place. Right. I'm sure you do know that what information actually you gave us in the first place.
Well, I can't remember giving anyone £50 to stop nuisance calls in the last few weeks.
Okay. So what do you want? Do you want to waste that money or what did you want from me? I mean, if the money has been deducted, I'm sure you don't want to waste that money for nothing.
Um, but I mean, I'm aware of what I've paid. I mean, I haven't paid £49 to someone to stop nuisance calls.
Sir, we already took the money. I mean, if you cannot remember, that does not mean we didn't take the money. We already took the money, that's why we are here now to provide you service.
Alright, okay, so could you tell me then which bank you took the money from?
From your bank card.
Yeah, but which bank is that?
I just told you that I'm working under the data protection, which is issued by government of UK. We're not allowed to give you that information over the phone, actually.
Right, okay. But, uh, so, I mean, can you give just the name of my bank? You don't have to give the details, but just so that I know that It seems like that.
I mean, that's what I'm saying. What do you want me to do? Would you want me to do this thing? I'll just go ahead and cancel the service, or what do you want me to do?
Well, I mean, you're asking me to, to confirm this, uh, payment, and I'm just asking you to confirm, um, that it's the right bank account from, from my—
it is a bit right, it is a bank, right bank account, so I know that.
Well, yeah, but yeah, but if you have the details there on your screen then you could just let me know which, which one.
We don't have the details in front of my eyes. So I mean, I'm working under data protection, which is issued by government of United Kingdom.
So information— okay, so then how are you going to verify the information I give you if you can't?
You give me— when you give me your card, I need to verify the same card number, your name, your house number. And when you give me the card number, I'll put your number in our encrypted system. Where we already got your information, and then they show me this is a valid card number that you gave us in the first place or not. And if it is not, sir, I told you, I will tell you straight away. This is a data protection, and that is how actually it works. Because this is a law of UK, I mean, this is a data protection which is issued by government of UK and Office of Communication. That would be Ofcom.
Well, that's— Yeah, well, I mean, that's very reassuring, but Surely these details should be— I should have some way to, you know, validate who you are as well, shouldn't I?
Sure, that's what I'm saying. If you want to satisfy yourself, you can give me any wrong 16-card number, whatever you like, the number on the card you can give me. I will be keep asking you as long as I cannot get the correct number. I mean, if someone got your card number, then they can able to say that, give me any wrong number and we will keep asking you until you cannot get the correct number. Why actually they can say, sir? Because they actually got your card number, right? If we also trying to say, which means you're talking to the link, same company, only dealing such a long time.
Okay, that's fine, but I mean, can I just get some kind of validation? I mean, who are you, um, and what is the company you represent?
Sir, you do know each other information. Why you need quite once again? I cannot able to understand.
I'm just wondering, you haven't, you just haven't told me who you are and who your company is.
My name is Richard, calling you from Telephone Security.
Telephone Security, and where are you based, in the UK or abroad?
In London.
You're based in London, okay, whereabouts in London?
It's in Essex Road.
Essex Road, do you have a number?
47.
47 Essex Road?
47 Sun Court House, Essex Road.
Okay, great. So if I pass that information on to Ofcom or whatever, you're a recognized company and that'll all be fine?
Yeah.
Okay, well, I'll do that. So, telephone security. So what are you asking me for again?
I need to verify the information I told you.
What information? My, my bank details?
Sure, I need to verify those information which you give us.
Okay, I don't remember giving any information, but tell me, what do you need to verify?
