There is a new take on an old phone scam currently hitting people. The old scam was to pretend to be the telephone company and phone someone saying that they are about to be cut-off if they don't pay a smallish amount by card over the phone immediately. If people don't believe them they are actually encouraged to hang-up and then try to make a call. When they hang-up and then pick the phone up again it is dead. How do they do this? Well it's actually very simple - the scammer doesn't hang-up, they just put their phone on mute. The call was never torn down.
So, what's the 'new take' on this scam? Well, they are now hitting bank and credit card customers. The scammers now pretend to be from the bank and start asking for card details, etc. If you get suspicious (or even sometimes prompted by the scammer themselves) you are encouraged to hang up and call them back on the telephone number shown on the back of your card. They then provide you with an extension number or a name to ask for.
When you hang up they do not, similar to before. However, this time they play the sound of the dialling tone to you until you start 'dialling' the number. All they have to do is wait for you to finish dialling the number then play the ringing tone to you. All the while they haven't hung up and you haven't dialled your bank at all. The scammers then 'answer' the phone and pass you to the person you were speaking to before. You now think you're speaking to your bank.
You did the right thing, but were still trapped. What can you do about this? My suggestion is to call back on a different line. Call your bank back on your mobile, not the landline you first received the call on.