WEBVTT - How to avoid getting scammed this tax time

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<v Speaker 1>Today's podcast is brought to you by pay id. Payid

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<v Speaker 1>can help reduce scams or mistaken payments by letting you

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<v Speaker 1>see who you're paying before you hit send. Remember payid

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<v Speaker 1>will never contact you directly. Any text or email claiming

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<v Speaker 1>to come from payid is a scam. Spread the word

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<v Speaker 1>and stay secure in online marketplaces. T's and c's apply

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<v Speaker 1>find out more at payid dot com dot au.

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<v Speaker 2>Good morning, and welcome to the Daily OS. It's Sunday,

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<v Speaker 2>the fifteenth of June.

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<v Speaker 1>I'm believed Simon's I'm Emma Gillespie.

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<v Speaker 2>Today we are talking about tax time. Now, there is

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<v Speaker 2>a whole range of things to think about this time

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<v Speaker 2>of year. There's your actual tax return, there's the sales

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<v Speaker 2>at all the stores personal favorite, yes, which is an

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<v Speaker 2>amazing bonus. But there's also an increase in scams and

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<v Speaker 2>that is what we are here to talk about today.

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<v Speaker 2>So why is there a rise in scams when it

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<v Speaker 2>comes to tax time and what do you need to

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<v Speaker 2>look out for. We are getting into all of this

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<v Speaker 2>in it today's podcast, And just a quick note before

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<v Speaker 2>we get started. As you heard at the top of

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<v Speaker 2>this episode is sponsored by payid, but they have had

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<v Speaker 2>no influence over the content of this episode.

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<v Speaker 1>Billy, I can't believe we are here again. It's nearly

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<v Speaker 1>tax time.

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<v Speaker 2>It's our favorite time of year, isn't it.

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<v Speaker 1>Well, a favorite time of year if you are a

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<v Speaker 1>bargain hunter and you're like a sale, favorite time of

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<v Speaker 1>year if you are good at tax returns, if you

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<v Speaker 1>like numbers, if you like numbers, and favorite time of

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<v Speaker 1>year if you happen to be getting a tax return. Yes,

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<v Speaker 1>less of a favorite time of year if you're bad

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<v Speaker 1>at received and if you owe money to the tax department.

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<v Speaker 1>But for anyone who is less familiar with what this

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<v Speaker 1>all means, what do we need to know?

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<v Speaker 2>Okay, so it's tax time because it is the end

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<v Speaker 2>of the financial year, which is always smack bang in

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<v Speaker 2>the middle of the calendar year. So it ends on

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<v Speaker 2>the thirtieth of June, and as of the first of July,

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<v Speaker 2>we are in a brand new financial year. Now most

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<v Speaker 2>people will need to lodge a tax return for the

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<v Speaker 2>financial year that has just been so the well, we

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<v Speaker 2>are currently still in it, but we're at the very end.

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<v Speaker 2>So that's the twenty twenty four to twenty five financial year,

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<v Speaker 2>and you need to actually do that. We say it's

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<v Speaker 2>tax time, but tax time actually goes for four months,

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<v Speaker 2>so you need to lodge your tax return if you

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<v Speaker 2>are lodging one by the end of October, and that

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<v Speaker 2>is if you don't have an accountant. If you do

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<v Speaker 2>have an accountant, then you have a little bit longer

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<v Speaker 2>to do that. But that's a whole different podcast.

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<v Speaker 1>So the end of financial year June thirty, basically, from

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<v Speaker 1>that point to the end of October, generally speaking, that

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<v Speaker 1>is your window to lodge your tax return exactly. The

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<v Speaker 1>Australian Taxation Office.

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<v Speaker 2>Yes, but we're.

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<v Speaker 1>Talking about scams today and we hear a lot about

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<v Speaker 1>scams in the media, I suppose, but I'm surprised to

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<v Speaker 1>hear about a relationship between tax time and scams specifically.

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<v Speaker 2>Yes, I feel like scams is one of those things

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<v Speaker 2>that you don't really care about until you get scammed.

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<v Speaker 2>And my analogy for this is Emma. You are obviously

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<v Speaker 2>familiar with Media Watch, which is the ABC's program that

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<v Speaker 2>comes out every Monday where they kind of assess the

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<v Speaker 2>week that has been for media and I guess critique

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<v Speaker 2>what has gone on in the media.

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<v Speaker 1>Bit of a fact checking service. Yes, holding all of

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<v Speaker 1>us journals to account making sure we're speaking truth.

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<v Speaker 2>Yes, And their saying is everyone loves us until you're

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<v Speaker 2>on it. And I've always loved that because it's so accurate,

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<v Speaker 2>and I feel like scams, it's not really something that

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<v Speaker 2>you ever think about until it affects you and then

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<v Speaker 2>you really care about.

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<v Speaker 1>Good point, So why do scams increase around tax time?

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<v Speaker 2>So it's really because tax time is when most people

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<v Speaker 2>would be in contact with the Australian Taxation Office, so

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<v Speaker 2>the ATO or they might expect to be hearing from them,

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<v Speaker 2>Oh okay, and so scammers will be on the lookout

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<v Speaker 2>to take advantage of that. And how this often happens

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<v Speaker 2>is that scammers will send a message impersonating the ATO.

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<v Speaker 2>When I was doing the research for this, I was like,

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<v Speaker 2>I swear this has actually happened to me before.

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<v Speaker 1>Really this happened to me this week. Really, yes, honestly,

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<v Speaker 1>And I didn't even know we were going to be

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<v Speaker 1>talking about this. Oh my god, I got a text

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<v Speaker 1>and it's like a fake mygo of. You have a

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<v Speaker 1>message from mygo of regarding your tax return blah blah blah.

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<v Speaker 1>Obviously I didn't click it. The number wasn't a legitimate number,

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<v Speaker 1>like it was a scam text, but it's already happening.

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<v Speaker 2>Yeah. Well, I received one last year I discovered and

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<v Speaker 2>it said you have received a secure message about a

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<v Speaker 2>tax adjustment from the ATO. Review it now at and

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<v Speaker 2>then it provided a link that word secure. I'm sure

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<v Speaker 2>when I looked at it, I was like, that kind

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<v Speaker 2>of looks legitimate.

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<v Speaker 1>Yeah, And I think something that scammers take advantage of

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<v Speaker 1>in this space as well is that I think it's

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<v Speaker 1>pretty nah rual for people to feel a bit nervous

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<v Speaker 1>about tax time. You know, if you're new in your

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<v Speaker 1>career and you haven't done heaps of tax returns in

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<v Speaker 1>the past, it can feel overwhelming. The ATO can seem

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<v Speaker 1>like this kind of big, scary official authority. And so

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<v Speaker 1>if you get a message, yeah, saying that maybe you've

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<v Speaker 1>done something wrong or something's changed, or you need to

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<v Speaker 1>update your details, I think people can often be intimidated

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<v Speaker 1>into into not thinking and just kind of acting on

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<v Speaker 1>clicking on something.

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<v Speaker 2>Well, you don't want to disappoint the ATO exactly. That's

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<v Speaker 2>like the one government agency that you cannot disappoint.

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<v Speaker 1>Literally, So how do we know if we've received a

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<v Speaker 1>genuine piece of communication from the ATO, or if a

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<v Speaker 1>scam is a scam.

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<v Speaker 2>So in that example or like the one that you've

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<v Speaker 2>received this week, I think the first thing that you

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<v Speaker 2>can do, like is google it, good old Google. Yeah,

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<v Speaker 2>that is a great first step because often you can

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<v Speaker 2>actually just copy and paste the text that you received,

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<v Speaker 2>put it in Google and it will often tell you

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<v Speaker 2>if it is a scam christ And so that's a

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<v Speaker 2>great first step. But separate from that, I try to

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<v Speaker 2>understand how often is it or likely is it that

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<v Speaker 2>the ATO would ever send you a link like this?

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<v Speaker 2>And the ATO says that while they might send you

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<v Speaker 2>a text or an email asking you to contact them,

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<v Speaker 2>they will never send an unsolicited message with a link

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<v Speaker 2>asking you to return personal information or log into their

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<v Speaker 2>online services. So if you ever receive a text message

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<v Speaker 2>saying it's from the ATO and it has a link,

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<v Speaker 2>that is an absolute red flag. They say that they

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<v Speaker 2>will never do that.

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<v Speaker 1>Okay, So this makes a lot of sense when I

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<v Speaker 1>think of legitimate texts that I've got from my goove

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<v Speaker 1>through the ATO or whatever, and it will often say

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<v Speaker 1>like you have a message in your inbox, so like

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<v Speaker 1>go and log in, Yes, but there are no links.

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<v Speaker 1>It's just kind of prompting you to independently go through

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<v Speaker 1>the proper channels to log in.

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<v Speaker 2>Yes, so anything from the ATO with a link that

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<v Speaker 2>is not them that is a scam.

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<v Speaker 1>Got it.

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<v Speaker 2>Another thing they said is that whilst they do have

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<v Speaker 2>official social media accounts, they will never use those platforms

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<v Speaker 2>to ask you to provide payments or any personal information. Okay, which,

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<v Speaker 2>if you think about it, makes sense. It would be

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<v Speaker 2>weird if the official ATO instagram M Yes, yep, but

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<v Speaker 2>that doesn't quite feel like an official way to communicate

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<v Speaker 2>with Australia.

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<v Speaker 1>But we know that scammers are really sophisticated and they

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<v Speaker 1>can make very compelling fake websites, fake social media accounts. Yes,

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<v Speaker 1>they can convince people pretty easily that these are real,

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<v Speaker 1>legitimate platforms.

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<v Speaker 2>Yeah, And I think that's the thing that they are

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<v Speaker 2>becoming much more convincing and they are becoming much more sophisticated,

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<v Speaker 2>and so that's why it's important to talk about it.

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<v Speaker 1>How else does scams show up? What other kind of

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<v Speaker 1>common scams are we seeing that young people and listeners

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<v Speaker 1>might be interacting with.

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<v Speaker 2>So another one that they have flagged that is quite

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<v Speaker 2>common from scammers is a tax debt. So, M you

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<v Speaker 2>were talking about before. With tax time, sometimes you might

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<v Speaker 2>be eligible for a tax refund, or there are circumstances

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<v Speaker 2>where you might actually owe money to the ATO, and

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<v Speaker 2>so that could be considered a tax debt, and that

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<v Speaker 2>is often what scammers will be using or telling people

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<v Speaker 2>they have. So you might get a message claiming that

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<v Speaker 2>you owe the ATO money and it might give you

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<v Speaker 2>a fake case reference number or something like that again

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<v Speaker 2>to make it look more convincing, and often they'll push

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<v Speaker 2>you to pay immediately, and that is another red flag

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<v Speaker 2>that if they are urgently requiring payment, it is usually

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<v Speaker 2>unlikely that you would hear about the debt for the

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<v Speaker 2>first time in a really urgent manner, like it's something

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<v Speaker 2>that you would hear about. You would have a time

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<v Speaker 2>period or a deadline to pay it by, and then

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<v Speaker 2>if you go past that, yep, am I making sense? Yeah?

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<v Speaker 1>Absolutely. I'm just thinking about a voicemail that I got

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<v Speaker 1>a few weeks ago as well, realizing wow, I'm scam

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<v Speaker 1>hotspot over. My nuther must be on the wrong list.

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<v Speaker 1>But I had a voicemail recently. It was definitely like

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<v Speaker 1>a robot automated voicemail, and the voice was an American accent,

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<v Speaker 1>which kind of threw me as well. I thought, like,

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<v Speaker 1>is the ATO really leaving voicemails with an American robot? Yeah,

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<v Speaker 1>but it was a kind of like, yeah, you owe

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<v Speaker 1>the Taxation Office. I think it was like four thousand

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<v Speaker 1>dollars or something like respond immediately or risk for the proceedings.

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<v Speaker 1>And to me, it was clear that it was a scam,

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<v Speaker 1>but I could completely understand why somebody else might be

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<v Speaker 1>sucked into that.

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<v Speaker 2>And another way that it could be a red flag

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<v Speaker 2>is if they are requesting payment through unconventional means. So

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<v Speaker 2>if they're saying you can pay it through crypto, that

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<v Speaker 2>is another red flag. The ATO with federal governments, no,

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<v Speaker 2>definitely not So.

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<v Speaker 1>How common, Billy, are these types of tax scams? I mean,

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<v Speaker 1>I think my lived experience might answer some of these questions,

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<v Speaker 1>But is this happening to everyone else?

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<v Speaker 2>I'm actually going to throw it back to you because

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<v Speaker 2>I want to know how much you think it has increased,

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<v Speaker 2>because this is actually the perfect time to be talking

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<v Speaker 2>about it, because the ATO actually just put out a

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<v Speaker 2>statement earlier this month telling us the percentage by which

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<v Speaker 2>these scams have increased just in the past year. Can

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<v Speaker 2>you guess how much.

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<v Speaker 1>Okay, well, I'm thinking back to last tax time and

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<v Speaker 1>I don't think I received any scams.

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<v Speaker 2>I love this one person study quality.

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<v Speaker 1>Not quantity, and I received two scam communications so far

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<v Speaker 1>this year. Average it out and say there's been a

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<v Speaker 1>one hundred percent increase.

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<v Speaker 2>That is a great guess, not quite accurate. It's more

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<v Speaker 2>than that. No, Yes, oh my god, there has been

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<v Speaker 2>a three hundred increase again just in the past year.

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<v Speaker 1>So I should have stuck to my guns. I've had

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<v Speaker 1>two hundred percentage grace there you go. Three hundred percent

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<v Speaker 1>in one year is a massive billy. Yes, And I

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<v Speaker 1>guess really speaks to the sophistic that we've touched on

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<v Speaker 1>of how much savvy a scammers are kind of.

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<v Speaker 2>Getting in their approach.

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<v Speaker 1>Clearly this is a much more saturated space and people

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<v Speaker 1>are thinking outside the box. Ye, But what should people

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<v Speaker 1>do if they receive a message they're not sure about.

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<v Speaker 1>Say someone does get a text claiming it's from the ATO.

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<v Speaker 1>There is a link, maybe there's not a link. Maybe

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<v Speaker 1>you're too scared to do anything with it.

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<v Speaker 2>I think the easiest thing to do is to just

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<v Speaker 2>go directly to the source and to ask them. So

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<v Speaker 2>if you get a message claiming to be from the ATO,

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<v Speaker 2>you can always just call the ATO on the number

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<v Speaker 2>listed on their website and just ask them directly if

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<v Speaker 2>they sent you that text. This actually happened to me

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<v Speaker 2>the other day when I was at the post office

0:11:44.679 --> 0:11:46.760
<v Speaker 2>and I got a text from them saying you need

0:11:46.800 --> 0:11:48.800
<v Speaker 2>to pick up this delivery or it hasn't gone to

0:11:48.880 --> 0:11:51.880
<v Speaker 2>the right destination, so please call this number. And I

0:11:52.000 --> 0:11:54.600
<v Speaker 2>just happened to be at the post office for something

0:11:54.640 --> 0:11:57.600
<v Speaker 2>completely different ye at that time, and I was like, Huh,

0:11:57.760 --> 0:11:59.760
<v Speaker 2>what a weird text to receive. I'm just going to

0:11:59.840 --> 0:12:01.960
<v Speaker 2>ask ask the Post Office if this was them. They

0:12:01.960 --> 0:12:03.760
<v Speaker 2>were able to look it up immediately and they said, no,

0:12:03.840 --> 0:12:05.839
<v Speaker 2>that's a scam, and it was such a it was

0:12:05.960 --> 0:12:08.280
<v Speaker 2>great timing there you go. So it was great to

0:12:08.360 --> 0:12:10.559
<v Speaker 2>just be able to ask them directly. And I think,

0:12:10.640 --> 0:12:13.720
<v Speaker 2>especially when it comes to giving over personal information or

0:12:13.720 --> 0:12:16.360
<v Speaker 2>giving over money or something like that, it is really

0:12:16.400 --> 0:12:18.680
<v Speaker 2>important to make sure that you're giving it to the

0:12:18.800 --> 0:12:22.720
<v Speaker 2>right person or company or agency. Going straight to the source,

0:12:22.800 --> 0:12:24.280
<v Speaker 2>I think is a great solution.

0:12:24.559 --> 0:12:27.040
<v Speaker 1>Obviously, you know, we're talking about tax time and we're

0:12:27.040 --> 0:12:30.240
<v Speaker 1>talking about these ATIO specific scams, but that rule of

0:12:30.280 --> 0:12:34.000
<v Speaker 1>thumb I think applies across the board. Just generally, it's

0:12:34.040 --> 0:12:37.680
<v Speaker 1>good to have that curiosity, be skeptical. If something doesn't

0:12:37.720 --> 0:12:41.360
<v Speaker 1>feel right, it probably isn't. Yes, I also think it's

0:12:41.400 --> 0:12:45.559
<v Speaker 1>really helpful to engage with scam safety to help other

0:12:45.600 --> 0:12:48.200
<v Speaker 1>people in your life. And I know my parents would

0:12:48.240 --> 0:12:51.080
<v Speaker 1>probably have been duped hundreds of time by now if

0:12:51.120 --> 0:12:53.559
<v Speaker 1>I hadn't told them like, no, that's a scam.

0:12:53.679 --> 0:12:55.640
<v Speaker 2>My mum literally told me a story the other week

0:12:55.679 --> 0:12:58.080
<v Speaker 2>about her being scammed when she went to buy shoes

0:12:58.120 --> 0:13:00.720
<v Speaker 2>and then yeah, it actually was a company, it didn't exist.

0:13:00.920 --> 0:13:03.840
<v Speaker 1>Oh dear, Well, my mom still screenshots, you know, the

0:13:03.840 --> 0:13:04.840
<v Speaker 1>hey mom text.

0:13:05.000 --> 0:13:06.920
<v Speaker 2>Yeah, Like it'll be like, hey boss.

0:13:06.720 --> 0:13:08.839
<v Speaker 1>My phone, I'm texting on her friends like what's app

0:13:08.840 --> 0:13:11.000
<v Speaker 1>me on this numbla blah blah blah. My mom will

0:13:11.040 --> 0:13:12.880
<v Speaker 1>still screenshot them and be like, I know this is

0:13:12.920 --> 0:13:14.600
<v Speaker 1>probably a scam, but just checking.

0:13:14.760 --> 0:13:18.080
<v Speaker 2>Is this you that? Honestly that's lovely, Like she would

0:13:18.120 --> 0:13:20.240
<v Speaker 2>never want to miss a text with you exactly.

0:13:20.400 --> 0:13:24.000
<v Speaker 1>Too bad if you get scammed. Margaret Billy, thank you

0:13:24.080 --> 0:13:27.600
<v Speaker 1>so much for explaining that to us. Thanks and thank

0:13:27.600 --> 0:13:31.120
<v Speaker 1>you so much for listening to this special Sunday bonus episode.

0:13:31.280 --> 0:13:34.280
<v Speaker 1>We will be back to regular programming tomorrow morning with

0:13:34.440 --> 0:13:37.600
<v Speaker 1>a Monday Deep Dive, but until then, enjoy the rest

0:13:37.640 --> 0:13:38.360
<v Speaker 1>of your weekend.

0:13:38.679 --> 0:13:41.479
<v Speaker 2>Bye.

0:13:46.280 --> 0:13:49.680
<v Speaker 1>Today's podcast was brought to you by pay id. We've

0:13:49.720 --> 0:13:51.800
<v Speaker 1>covered what sort of scams to look out for during

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<v Speaker 1>And remember payid will never contact you directly. If you

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<v Speaker 2>My name is Lily Maddon and I'm a proud Arunda

0:14:50.200 --> 0:14:55.000
<v Speaker 2>Bungelung Calcotin woman from Gadigol country. The Daily oz acknowledges

0:14:55.080 --> 0:14:57.280
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<v Speaker 2>Gadigel people and pays respect to all regional and torrest

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<v Speaker 2>rate island and nations. We pay our respects to the

0:15:03.800 --> 0:15:06.560
<v Speaker 2>first peoples of these countries, both past and present.