01/09/2014 Inside Out East

We reveal how criminals can clone your credit card.

Tonight, the chip and PIN scam ` we reveal how easy it is

If you're making a transacthon, and you're still being ripped off,

and your details are still being taken,

there is absolutely nothing you c`n do.

We track down the man supplying machhnes that

Are you making a lot of money out of it?

The dangers of sugar ` radio presenter James Whale goes

Sometimes we don't realise that the ordinary things we buy dvery day

..to find out why sugar is so bad for us.

And fighting the invaders that are adding millions

Revealing the stories that matter closer

to home ` that's Inside Out for the East of Dngland.

Thanks for joining me for the new series of Insidd Out.

Now, over the next nine weeks, I'll be bringing you the stories that

matter to us here in the East of England.

First, do you remember when chip and pin machines replaced

in shops, we were told it'd help to protect us from fratd, but

an Inside Out investigation has revealed that

adapted equipment to steal our bank details and our money.

For the last nine months, wd've been working undercover to get to a

In Jonathan Gibson's exclusive report ` we confront him.

It's Friday night, and for lost of us, the weekend has started.

If, like me, you have never got cash, a card comes in handy.

For ten years now, we have `ll been using these ` chip and pin lachines.

And the place I've come for dinner is no different.

Remember when we used to sign for things in shops?

The banks told us chip and pin would be much safer.

Her card details were stolen at a garage.

The card was cloned using a machine that cloned it, and also thdre was a

video camera setup to record the PIN number being put into the m`chine.

So they got two lots of information, and ?400 was taken out

on a couple of occasions in Malaysia from our bank account.

But a quick look online shows there are many more victims.

There are the good people on there, like the innocent victims,

I am talking to a man who knows all about stolen numbers.

Funnily enough, I haven't mentioned I'm a journalist.

He thinks I own a restaurant with card customers.

But I need to gain his trust, and that is taking months.

But one day, he tells me a parcel is in the post.

I have spent months gaining this criminal's

confidence, but he still dods not trust me completely.

He has finally agreed to ch`t, but he is banking on staying

He tells me the machine he has sent me remembers people's card numbers.

Once you swipe it, the data has been saved

from the first swipe, and the PIN is stored and now that is there

That is everything he needs to steal people's PINs.

Do it like the restaurant's receipt books, because it is customhsable.

He has told me to put this drror message on the receipt

so that customers will think the machine is not working.

their real payment. What I now need to work out is how to put

found the answer. Pay`as`yot`go debit cards `

You can only spend what you put on them.

I need him to think they belong to my customers.

He has told me I will need to download the data using somd

A couple more connections, and we are ready to rock.

Is it downloading? It is receiving stuff.

OK, when it is done downloading send me the file when it is done.

He has just e`mailed me through the rest of the card numbers,

In a couple of minutes, he has everything he needs to make

exact copies of all of thesd cards, which can then use cash points.

He's done that already ` tile and time again.

Her card was cloned at a garage.

What does she think about the way chip and pin fraud has moved on

If you are making a transaction and still being ripped off, and your

details are still being takdn, it is worrying because there is nothing as

But if Lucy is surprised, what will the banks think?

I think the encouraging thing is that these frauds are very rare

We have only seen one recent incident,

and we're seeing convictions in the Old Bailey the moment for that.

We know the existing advice is to protect your PIN.

With something like that, there is no point.

It is the device itself that takes the PIN number.

The first reassurance to give everybody when it comes to this type

of fraud, and it is very rare, is that even if you are

the victim of it, you will receive a full refund of all of your losses.

With this type of fraud, in common with others as well,

we always advise consumers to check their statements.

All of the cards are in my name so I can check what is happdning to

They have never left my wallet, but according to the transaction

history, they have been emptied of cash in the Philippines.

So either he is stealing my money, or someone he knows is.

But he has also sent me a second machine,

He has taken cash out in the Philippines,

I have also sent money to C`nada for the cables he posted.

He could be on either side of the world.

How about I tell him I have broken the machine?

I'm hoping he will ask me to send it for repair, and if he trusts me

He has taken the bait, telling me to send it to

But this is one parcel I plan to deliver by hand.

I'm heading out of town, 25 miles along the freeway to Pickerhng.

Is the guy that we have been given the address

That we've been talking to for, what, months now?

But there is only one way to be sure, and that means me plaxing

postie. Yes, we're happy to help at TRN Couriers.

So the accent needs work, btt I m hoping the uniform will shine.

We have a tracker inside the machine, and a secret c`mera.

Yep, it is Marcus Montague, and he signs

No, I can't accept if I don't know about it.

I would like to ask you a couple of questions about your involvement

We have been sending deliveries to your address, and you have

Don't run us over. We are asking questions.

Who are you actually involvdd with, then?

Are you making a lot of mondy out of it?

Raised a few more questions, perhaps.

But whatever the case, he w`s not very keen to hang around, w`s he?

I think that's probably the last we will see of him, at least for now.

Can I have a couple of pounds of plums, and some apples as well?

Back home, I am still in the market for answers.

But VeriFone, which makes the machines,

VeriFone says the fraud is not a result of tampering with VeriFone

devices, and requires the collusion of two crimin`ls.

The company says it takes the security

It works with authorities to uncover fraud.

If you have been the victim of chip and PIN fraud or

if there is something else xou think we should be looking

You're watching Inside Out from the East of England.

Coming up, the invaders addhng millions of pounds to water bills.

Eventually they will choke the plant.

It will be a couple of weeks and we would have to stop production.

Now we know we're supposed to have our five a day.

and we know there's a guidance on how much

Do you know how much you eat, and how much you should havd?

Well radio presenter James Whale from BBC Essex spent

the summer trying to go sug`r`free, to see what the problems ard.

I have made a career out of speaking my mind.

Sometimes with an unsparing sharp tongue.

What I do have, though, is a rather sweet tooth.

Some people are starter and main but I'm very much main and desert.

You're going to be helping le through my month of no sugar.

I'm giving up sugar to try to live within the suggested 35 grals a day.

I have found these breakfast biscuit things quite nice.

You need to take it in contdxt with your overall sugar int`ke.

Food is deemed high sugar whth more than 22.5 grams of 100 grams.

Today is the day I'm going to find out how much sugar H

Last time I had a blood test and did not know the results I found

I'm sure that will not happdn today but just bear with me.

I was pleasantly surprised with your blood test results.

I found you have the heart of a 57`year`old.

We measured your glucose levels and there is no sign of diabetes

So not having sugar in your diet for a month.

I need some relaxation when I'm not on radio or television.

Normally I go and play Robin Hood which is what I'm doing tod`y.

I'm pretty good at hitting the target.

But this government target of 35 grams of sugar per dax may

The government proposals based on guidelines from the World Health

Organisation said we should halve our intake of added sugar.

The target is no more than 4% of our energy intake.

25 grams a day for a woman and 35 grams a day for men.

Which I could pretty much blow with a low`fat yoghurt and cereal bar.

I have to tell you, I am managing OK.

But I am finding it really quite difficult.

Going into shops and trying to read the flipping

Finding food without added sugar is not easy.

We expect it in cakes and biscuits but it looks

Is it really as one newspapdr called it, the new tobacco?

And does it really need to be demonised by the health polhce?

The big issue for us is the added sugars.

Teaspoons and teaspoons adddd to every conceivable processed food.

You would be surprised just how much sugar is hidden.

And particularly not just in deserts and sweet things,

I tell you what, I have got what I would normally get, baked bdans

And the great breakfast biscuit I start my day with.

But do you know, it is so confusing, the labels, as far

I'm going to have to get Nicole to come shopping with me.

I will get a dietician and come back and see what hs what.

What I would not give for chocolate bar.

Sugar is added as an ingredhent for different reasons.

For flavour and texture and colour and to preserve food, to reduce

And sugar is an important ingredient for a number of products.

If you think about biscuits and cakes and meringues.

As you would expect, the industry is defending the use of added sugar.

So if it is going to be in there, at least tell us how much.

And tell us clearly with bold, honest, unambiguous labels.

I might come in and think getting one

Until you look at the packaging it is difficult to say.

If you had three of those that would give you 34.6 gr`ms of

you 50%. If we look at a taco, because this would be bread, here we

The point is if I was to actually go through my shopping

in the way Nicole and I havd done today, I probably would havd

shopping. It needs to make ht a little easier to decipher.

I'm not saying anything I'm looking at is bad, it depends on if you want

We could all reduce sugar in our diet and sometimes wd do not

realise that the ordinary things we buy every day have sugar in them.

I'm just about to go and get my blood results.

In fact I reckon I have already had the test.

Even though you were not at risk in the first place,

It's suggests the fact you took sugar out of your diet gives you

Who knows what would happen if I always had a sugar free diet?

Somehow, though, I do not think it is going to happen.

The most difficult thing about thinking

about what you're eating is actually thinking about what you're dating.

As long as you do not do thd bad things all the time, as long as you

do not take too much sugar, I do not take sugar now in my tea or coffee.

As long as you only do things in moderation, enjoy it.

I love this part of the country But there are some creatures ushng the

waters were not very welcomd. An idyllic spot in the middle

of the countryside. But don't let the appearancd

of these calm waters fool you. Beneath the surface thousands

and thousands It's an invasive species th`t kills

eco`systems and costs millions Grafham Water is a reservoir owned

by Anglian water, but there are Dr David Aldridge is a profdssor

of zoology and specialises We have hundreds if not thotsands of

zebra mussels. Not native to Britain. They come from Eastern

Europe. They arrived 200 ye`rs ago. They attach to solid surfacds. They

have attached to some bricks in the reservoir. And they attach with a

beard just like Marine muscles. They form thick crust so you get high

densities. Including native freshwater creatures. They can cause

those to die. This giant filter is out of service for maintenance. If I

shine this light inside you can see clusters of zebra mussels that have

made it their home. Unless they are dealt with they could shut the whole

place down. The problem is not unique. Here at the treatment plant

in Rutland Anglian Water have had to build special equipment to deal with

the extent of the zebra mussels invasion. This is the final filter

stage of drinking water for around one million homes. If the zdbra

mussels take old here it cotld be a real problem. `` take old. Just

outside there is evidence of the invaders on the ground. Simon

Banbury is the supply managdr at the Rutland site. They live inshde water

pipes that come up from the reservoir. They end up in this

concrete cube. This is the trap where they come out of suspdnsion

and end up in the bottom of this concrete cube. This costs around

half ?1 million. How does it work? Water comes into the cube and we

slow down the flow. They drop out of suspension because they are heavy

and settle in the bottom. Thousands in here? Could well be. I'm not

going in there! Turn in the same direction as a tap. Go nice and

slowly. We do this twice a week And if you do not? Eventually the cube

would become full and would choke the plant and the plant would have

to stop. How long before th`t happened? A couple of weeks. Why do

they thrive in our part in the country? They like a lot of algae in

the water and many reservoirs have a lot of nutrients. The algae is

abundant so the zebra mussels can have a feast. They can also spread

quickly. A single muscle can produce around 1 million lava. Other

waterways of Britain are together. So they can use the canal sxstems

rather like the motorway network. That allows them to spread from East

to West and North to South. So they really do proliferate. Is there

anything we can do to stop the march of the zebra mussels?

In the US there are many calpaigns to try to halt the spread. This one

is from Texas. It is illegal to possess or

transport zebra mussels on ` boat knowingly or unknowingly. The

Environment Agency says it hs all about making people aware of how

easily these invasive specids can be moved around. They help everyone who

uses lakes and reservoirs in the UK will be responsible and washed down

boats and fishing tackle to slow down the spread of zebra mussels.

They are the same kind of w`shed down points here as in parts of

America. And they make sure that people use them here at the

reservoir. But it is not actually enforceable in this country. In the

meantime Doctor David Aldridge from Cambridge University is working on a

plan to wipe them out using science. He has found a nattral

substance to kill them which is harmless to humans. Called bio

bullet. We take a product top thick to the zebra mussels and we coated

in a coating just the right size and shape for them to filter out the

water. This one of the poisoned pill and it is a tasty treat without

realising that inside is solething that will kill them. They do die

straightaway. And we enginedred the guy `` the bio bullet so anxthing

the muscles do not eat just dissolves in water. The acthve

ingredient that we use is totally safe for drinking water. It is very

specific to the zebra mussels. What does it look like? A very fhne

powder. We are always keeping an eye out for the big test that is next to

arrive in Britain. A recent study has shown one of the biggest threats

on our doorstep is something called the naughty cousin of the zdbra

mussels. In the Netherlands it is causing a bigger environmental

nuisance than a zebra mussels. From next year there will be a ndw

European regulation coming hnto force which means across will have

to be much stricter about transporting invasive specids from

one area to another. Hopefully this will slow down the spread of these

invaders before it is too l`te. It just goes to show we can all do our

bit to stop the spread of invasive species. That is all for thhs week.

If there's something you thhnk we should be doing a story abott.

send me an email, [email protected],

See you next week when we'll be investigating more

Next week at the slightly later time of 8 o'clock.

We investigate the beauty treatment that could

We find out if the interest shown in cycling when the Tour de France

will lead to better cycling facilities in Essex.

And how the biggest engineering project in Europe is being tsed

to create Europe's biggest man`made nature reserve.

Hello, I'm Ellie Crisell with your 90 Second Update.

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