Toby Proctor, 32, was tricked out of £3,108 by a new scam that allows fraudsters to bypass security checks banks use when making payments online. To carry out this type of scam the fraudster must already have access to the victim's online or mobile bank account. This meant he would have known Toby's mobile phone number and his passcode. He would also have needed another six-digit code to register the app on his mobile phone. This is a code he tricked Toby into reading out over the phone by posing as his bank. The fraudster was then able to make the £3,108 payment without detection because a florist in Kent was already saved as a payee on Toby's account. The fraudster then contacted the florist, posing as Mr Proctor, and told her that he had accidentally paid £3,108 into her account when trying to move cash to his savings. Luckily the florist smelt a rat and didn't transfer the money. After Mr Proctor, pictured with his wife Jodie and 18 month old son Lucas, left, and on his wedding day, right, contacted his bank, they were able to get the money back. He said: 'I had to change all my details.'
