Hello, welcome to Consumer Adda. I am Vipin Bhatt with you once again and I am here with this show and today I am telling you that cyber fraud is the real cause of SIM card because SIM card has played a big role in all these crimes that are happening . It is such that a clone of your SIM card is made or the SIM card is swiped. 
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These are not new things. You must have heard these words in the film Swapna Swim Closing earlier but what happened suddenly that crimes started increasing again. Your SIM card is swiped by someone else. It means that it is not just yours. Whatever OTP you have, whatever message you have, it is going to the SIM card and you don't even know about it and your entire account is getting cleaned overnight. Yes, this is happening. So today we will talk about this and how can you be careful about it. 

This whole conversation is because online fraud or cyber fraud is increasing through these two methods. This danger is looming over everyone now and those who are prostitutes are so clever and cunning that they always come up with new ways and they reinvent the old ways so that you are not at all suspicious. 

No, what has happened, let us first show you and who felt how much the election was, it will be a little bit that brother will understand, see this Taj is dead, the businessman who is light, this is a case of this month, Frost robbed a businessman of Rs 40 lakh and what was the matter of self-service shopping, if we talk about January, there 28 lakh rupees of the businessman were transferred for SIM shopping,

 

Before this in 2022 also there were many incidents, well these are all those incidents which have been reported, nothing is known about the incidents which are not reported, but in August 2022, a businessman was robbed of Rs 22 lakh, before this and a bigger amount of about 1.45 crore, see how one came in June also, from where about 1.45 crore of a businessman was cleared by cleaning himself, so these are some cases, what happens now, what do these people do, what they have with the fraudster or the faster is the customer's data, 

What is there in that data, see they have band retail, registered mobile number , they also make fake ID proof of the customer and get the customer blocked. What happens is that you call the phone company and they ask you a few things, what are these things, tell me your name, tell me this, tell me that, tell me your Motherland name, tell me your Aadhar card, whatever it is, and after doing that they accept your point, they say that brother I want to block this Salim of mine or I They just have to change, they just change, they get a new SIM card with a fake ID and once this new SIM card is made, 

Then it becomes easy for them to do transactions but before you know it, this account gets cleared but the story is so simple, is it so easy that a person takes a few of your details and swipes your account himself, no message reaches you and your account gets cleared overnight, there is something else in this, 

Today we will decode this, joining us are cyber expert Prasad Sharma, founder of Universal Legal Abu Agarwal and managing partner of TMT Doctor of Practice Abhishek Malhotra, you all are very welcome, so first of all Prashant, tell me is it as simple as it sounds that you simply have a little data, after that you called the mobile operator and talked to him for a few things that I need a new SIM, nobody knows anything, no, he got the SIM but all the data was also gone, after that the account also got cleared, see Vipin ji, 

This is more organized crime than it sounds and I would say it is a crime of our own This is a different kind of crime in which the people involved first of all collect information whether it is through social media or through post office or through IM College where the caller takes all your information from you like your date of Aadhar card, name , they also take your photo from social media and then they also make your fake PAN card and Aadhar card, so after that when they take all these things and they do not work alone with the customers. 

They also have many bank representatives with them who give them this information that which are those customers who keep a handsome amount in their account balance and maintain it, after collecting all this information they go to a telecom operator and tell them to allow us the SIM card of this number, now what happens is that the telecom operator asks for all the information which they have created through the knowledge graph of their customer in which Aadhar card date of birth and this normal information is also there. 

They collect all the information and give it to the fraudster and a new SIM card goes into the hands of the victim and you posted from the victim's phone that I am saying this and these are my details, now I will get a new SIM. Now the SIM card is needed, how does it get delivered? They have representatives, whether it is of a telecom operator, they get SIM cards from who provide fake SIM cards and shopping is done, whatever services you have, you called the company and said that I am Sohan So, they also agreed, they said that I need a new SIM card, now that SIM card story, so now see, the latest case that I am talking about is Banda, Mumbai's fraud is happening, the mail was written from West Bengal, the withdrawals happened in West Bengal, the account was found there, so now this SIM story must be getting delivered, 

So what, people from the mobile company are also involved, sir, there are some agents who help, who go to the booth of the telecom operator, get a new SIM card done there and in that, only and only your original SIM is there, after deactivating it, he went to the new one, he must have put it in his mobile and then he must be getting messages, right, absolutely absolutely So as soon as SMS and voice calls on your victim's phone are stopped, all the services go to the mobile of the fraudster, 

Now only OTP is accessible, OTP is stable on doing any of the transactions and as far as we have seen, in this an SMS is delivered, OTP is delivered through your SMS and in all such frauds, the OTP that is generated, that OTP is done over D voice because till 24 hours, if you report your SIM that it has been stolen, then OTP is not delivered to you, but you can extract that OTP over D voice, it does that, so this is only thought which process is happening no matter how many days, but we have to be alert that yes, as soon as we have a transaction, whether it is a legitimate transaction or a cyber crime or a fraud with us, 

Then we have to immediately go and intimate the bank and RBI has a policy that if any such fraud has happened, then You will get your money back within 10 days because nowadays most of the people in Rajasthan feel that the mistake should not be yours and in this the mistake is of the other person, it is his fault, it is his carelessness, there is some thing involved in it, we will go into more detail. Abhishek Malhotra sahab comes, so I have to see how it is present, I don't know how it is, you have to take out the stories and cases, you have to read them on the website, you have to read them in the newspapers, 

There are credible reports, but someone or the other is filing them, now this person says that the latest fraud happened with him that firstly he had forwarded it yesterday to some other phone, so he was talking about voice OTP from ji, he did not get to know about it, secondly he said that he had received an SMS asking if he had applied for changing his SIM, he also wrote no to it, now this is his claim and he also got a confirmation, but his SIM also gets changed and he also gets defrauded, 

according to me, it is not that easy, the point is that okay, if you are going to defraud someone, then you have to set up your representatives or your people at a multiplex place, with whom you are doing this fraud in collusion, but increasing the legal position and the liability is only of the bank. It is not the only thing that they have to compensate for the money if it is found that it was not their fault, the mobile companies also have certain regulations under the law which they have to follow, 

In which it is necessary that your customer acquisition form should have all the details, if there is any disturbance in the nature of the story or there is a difference in the photograph or there is a difference in any other KYC details, then that liability can also be borne by the employees of the mobile company, those who become their agents can also acquire the customer, so of course, if someone is going to do something wrong, 

Then you will make rules and regulations for it so that there is no confusion, if someone wants to do it , he can go to any extent, but it is not like that the doctor does not provide obligation on all service providers, on mobile companies, on banking services, but the most important thing is that in this case you said that it is the opinion of those with whom this fraud has happened. That he had forwarded it yesterday, he did not know that he had received an SMS, he said no. 

Now we do not know whether all those details are true or not, he is talking on the basis of his belief but yes there is a possibility that now there is no full proof that this is what really happened. Correct but I would like to say that because all of us, all the customers who can be subjected to this fraud, the most important thing is that we have to be cautious if our SIM is deactivated, nowadays we have so much dependence on our phones. 

If my SIM is deactivated, I will report to the phone company that my SIM has been activated or deactivated, why has this happened, we all know that if my SIM has been genuinely deactivated or has been deactivated, which I want to take to Mr. Agarwal that this is also an advice and you would like to contact him immediately, but if you know in the right way, if you want to call your service provider, then you are talking to a human being, going beyond the machine number, 

You will sweat and that too unless you are calling from your registered mobile number, that has been deactivated, if you call from some other number, then there is no possibility that you can easily talk to anyone, but for this, the mobile company will have to make it liable as well, It is absolutely correct to say that nowadays if you make a normal call to a mobile company to register a company, it takes minimum 5 to 6 minutes to talk to a person from the mobile company or the call operator, you keep on pressing button after button on the machine and only then 

You can talk to someone, so according to me, in this case the liability is also of the mobile company and to some extent the bank also because when they know that the SIM has been changed or something has happened, then the liability of both the banks seems to be more in the future but before launching the company before 2025 minutes So Abhishek, here what should I take the name or the name can also be taken that this is a statement of mine that I felt that there was some compromise in my mobile wallet or something wrong happened, should you keep even one number and call us, but forget about talking on that number.

I mean there are so many multiple options that you will get confused and secondly, nowadays many companies have done that you talk to our chart board and Chatbot can never provide you solution in such emergency level. I was saying the same thing when I asked my last question that already Tripura has made regulations which are quality and service regulations under which bureaucracy is bound to get relief. It is the liability of the mobile company to note only that they should keep all the details in the consumer acquisition form and when that change is made, 

It is also their liability to compare the change that is being made with the original cap to see if it is correct or not. On the other hand, I believe that it will take you half an hour to get your complaint registered. You should also know that if I genuinely open my mobile and my SIM card, then if I go to a local kiosk and get a new SIM card from there, it takes two hours to activate the new SIM card. So, if we as consumers are cautious, then we have the facility to register our complaint as soon as possible so that before activating the new SIM card, our complaint gets registered in the gap and that gets registered in the internal system. 

Then it becomes the liability of the mobile operator that they will have to update it so that if anyone tries to get a new SIM card, then it becomes a red flag. It should be that it is already registered that this SIM has been cancelled and the person whose last call was it got it cancelled so now who is asking for it so I am talking about that only the liability is of the mobile company the liability is of the banks and there is also a process available so make complaint before the cyber authority and its appeal is also made now that mechanism of appeal is in front of the TV set which handles cyber appeals and telecom also handles it please so I am increasing because 

I am seeing that every day when such issues come then the mobile company not only says that Shakti Bhaiya what have we filled by doing our duration they will have to tell what other steps they have taken that if these are continuous problems then what steps have they taken to show that such issues do not keep on increasing okay so here the liability of the bank is also divided and that of the operator is also divided i.e. wallets and payment wallets because I raised this question because both of these you are very fraud there sir 

This also happens in the case of film shopping but if you look at 90% of the frauds in cyber line, then nowadays they are related to your mobile wallets or car codes and even there you do not see any direct mechanism to complain, we are taking a small break but the truth is that here you have to be cautious because If you rely on the system, then the fraud will happen, then it is up to you that you are after it, when will someone listen or not, so the first step is that you will yourself be distracted 90% of the time you can avoid such things, take a break, after the break what precautions can you take, self shopping is a bit tricky matter, 

It may not strike you so easily because someone has done this after collecting your information, you may or may not be alert, but this incident happens, how can you be alert in this matter, after a small break this will be explained to you [Music] Welcome , 30 lakhs, 40 lakhs, two crores, this kind of amount has been cleared, then it can happen to anyone and today on this we are trying to alert you that see usually this incident happens and we have kept modest operating good in all, 

It is towards night, means when you are sleeping, when you do not get many calls at night, you do not access your phone much, you do not see messages, even if your SIM gets deactivated, you may not come to know about it overnight, the next day in the morning you Let 's see what can be the ways to protect from this, Vipin ji, first of all the user has to be vigilant. We describe any attack in three categories before, during and after. If we talk about before attack, then there is some science which the user can catch, if he is getting unnecessary calls, some telemarketer is calling him repeatedly, etc.

He wants that this user should also share some of his personal information with him, then we have to be a little vigilant. In the category of during attack, which we keep, we see that if your signals have gone to a very low level and you are not receiving calls, not sending SMS, then you have to be a little cautious and when we put it in after attack, 

We see that it is possible that you have received some SMS or you find some of your applications behaving differently, some of your banking applications or some of your financial things or if there has been a fraud, then we have to take this situation a little carefully. But now what do we have to do, if such a situation arises then first of all we have to go and report it to our telecom operator, after that we also have to tell our bank about what kind of financial fraud has happened, 

First of all the user has to define this also and keep it in his account In online transactions also, he can set an upper limit, so he cannot control the date but he can define the maximum loss that he will incur and he can report it to the telecom operator, if he comes across cyber crime then he has to report it on D.gov.in or he can report on 903, he can try to protest a little, apart from this, the user should keep a lot of security updates in his phone like he should tighten the browser, 

He should keep the operating system updated, if there is antivirus, it should be kept updated , he should not share his personal information on social media which may get misused later and take the form of financial fraud, he should not share his personal information with any tele-caller who is calling him and he should keep updating his password regularly, once every month or once in two months, he should keep updating his password, plus if there is a possibility that if you are suspecting that your SIM has been banned, 

Because you mostly work from the phone but Even then you have a desktop or laptop access to your bank accounts, go there and change the password immediately, at least for your online transactions, as soon as you get the signal, you should go and change your password on an immediate basis and there is a provision for all your accounts for a bank because time is running out for me that if you inform your bank about such a crime within 24 hours, 

Then RBI has made rules that the bank has the liability to return your money or make up for the loss, but the bank then puts a lot of clauses in it that if it is your mistake then you will not get it and the mistake happens in this that you are making a mistake, see it depends on what kind of mistake has happened and what kind of mistake has happened, if it is unknown then the bank has full liability to return your money and the bank does not have the power to run away, if not, if the bank is short in its life.

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You can do an operation screen inside it, information technology will always be there , okay, what mistake is there The method also has importance, the bank cannot do that, if it does this then the way for goods is also open, however if you want to save yourself from all the hassles then the one who is going to stay What is the matter, see immediate action.

Now if the incident happens, what will you do, but after that what action can you take, we have also told you all those things, if even after that the loss is big, then there are many ways of legal action, on which you can complain and you can spread it further, my time is completely over, so immediately thank you three guests, and awareness about such things, children said that there is a mantra way, so there have been 70, namaskar.