Contactless fraud is on the rise and is now outstripping cheque fraud, with £5.6m being lost in the first half of 2017 alone compared to £5.3m connected with fraudulent cheques.

This has come to light in view of the desire for the contactless limit to be increased from £30 to £50, with Banks being warned that increasing the limit will simply increase the amount lost to criminals fraudulently stripping customer’s accounts.

The Bank of England’s chief cashier, Victoria Cleland, said she does not have contactless cards and recently spoke of friends who have fallen victim to this fraud, saying that she personally does not feel safe or convinced in personally using them.

Illegal software is available online to download on to mobile phones to remotely read card details simply by walking around in busy areas such as streets and shopping centres.

Other methods of contactless payment include using smartphones, mobile phone apps, key fobs and wearable devices including watches and wristbands.

Whilst Banks have reassured customers that they are protected from fraud if they fall victim, I am not reassured that this is a foolproof payment method when the chief cashier of the Bank of England clearly isn’t and refuses to use it.

Whilst I don’t explicitly cover scams in my book, I certainly cover problematic and fraudulent scenarios with templates based on real-life test cases that work in my book now on sale via Amazon as an e-book and paperback priced £2.99 / £7.99.

BBC Radio Scotland have read it and interviewed me as a consumer expert for a five-part consumer programme they are making.  Read a free sample via my website and let me know what you think?

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