01/09/2014 Inside Out West Midlands

Have you ever wondered how criminals can get access to your bank details?

Well, coming up we track down the gang using these to get

I am from the BBC in the UK. I have a few questions for you. Are you

making a lot of money out of this? I'm Andy Akinwolere,

this is Inside Out First tonight,

this is the Inside Out team and they've been working hard all summer

- infiltrating a criminal gang 3,000 Because the gang have been targeting

West Midlands bank accounts Here's Jonathan Gibson with

our exclusive report. It's Friday night and for most of us

the weekend's started - me included. A few drinks and some food out and,

if like me, you've never got cash, For ten years now we've all been

using these - Chip-and-PIN machines 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. Well, try telling Julie Cleaver

that. We went to buy fuel at a local

petrol station and apparently there was a camera set up in the ceiling

that was looking down onto the machine, recording us as we were

putting in our PIN numbers, and then obviously putting that together with

the card details afterwards The thieves who stole Julie's

cash were caught red-handed. You see, when

the banks introduced Chip-and-PIN machines, so long as you protected

your PIN, they were pretty much Not according to this lot online -

all say they're victims That's the thing with

the internet - there are the good people on there like the innocent

victims and then there are the bad. I'm talking to

a man who knows all about stolen numbers because he steals them,

and he's looking for a new partner. Funnily enough, I haven't

mentioned I'm a journalist. He thinks I own

a restaurant with card paying customers, but I need to gain

his trust and that's taking months. But one day he tells me

a parcel's in the post. I still don't know who this guy is,

so I've told him to send it here, If he's as dodgy as he sounds,

I'm not giving him my address! It's a Chip-and-PIN machine. And

not just any Chip-and-PIN machine. According to its maker,

one of the most security conscious. I've already spent months gaining

this criminal's confidence, but he He's finally agreed to chat,

but is banking on staying anonymous Yeah,

good thanks I've got it with me. He tells me the machine he's sent me

remembers people's card numbers. Once you've swiped it

the data's already been saved from the first swipe, but now, when

you enter the PIN, the PIN is stored That's

so he can steal it afterwards. It's been customised now to

collect data which it wasn't Then he explains how I'll con

my customers Do it like how And because he thinks I own

a restaurant, he's told me to put this error message on the bottom

of the receipt so my customers will That's so I can swap it

for my normal one to take But it's actually got all

of the data in there, right? When you swiped your card

and entered your PIN it all saved. I mean, he claims that this machine

will basically collect credit card and PIN numbers and store them

so he can then steal them. What I need to work out is a way

of putting that to the test. They're a bit

like mobile phone top-ups. You can only spend what you put

on them. I need him to think they belong to

my customers, but will it work? He's told me I'll need to

download the data using some Can you just plug that

into your laptop? A couple more connections

and we're ready to rock. Yep, it's receiving stuff. Yeah, OK,

so when it's done downloading, just How long will it take

for you to unencrypt it? And then he shows me

the proof - 5445 2110 0158 8. I mean, that's amazing and really

worrying at the same time. He's just emailed me through

the rest of the card numbers and the PINs that go with them

for these cards here. In a couple of minutes,

he's got everything he needs to make exact copies of all these cards

which he can then use in cashpoints and he says he's done

that already time and time again. She had her card cloned

at the garage. I want to show her how Chip-and-PIN

fraud has moved on. And there's the receipt,

what do you think? Well, it's just the real thing,

isn't it? I mean, if I was in a restaurant

and somebody gave me this I would just accept that my payment had

been cancelled and be none the wiser, I think, and probably

quite happy to give my card over But if Julie's shocked,

what will the banks think? I think the encouraging thing to say

is that these frauds are very rare, we've only seen one recent instance

of them and we're seeing convictions in the old bailey in respect

of that at the moment. The industry's existing advice to

consumers is to protect your PIN. Well, with something like that,

there's no point is there? Well, I think

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

of fraud which is a very rare type of crime is that, even if you are

the victim of it, you'll receive a But we always advise customers

to check their statements. As all the pay-as-you-go debit cards

are in my name I can also check They've never left my wallet,

but according to the transaction history, they've been emptied

of cash in the PhilipPINes. So, either he's stealing

my money or someone he knows is. But he's also sent me

a second machine, He's taking cash out

in the PhilipPINes, I've also sent money to Canada

for the cables he's posted. He could be on either side

of the world! How about I tell him I've busted

the machine? I'm hoping he'll ask me to send it

for repair and if he trusts me enough,

he might give me an address though He's 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 Pickering. Is the guy we've been given

the address for the guy that's been on Skype, that we've been talking

to for, what, months now? But, as I'm chasing him,

he's chasing me. Well, I've just got a message

from the man we're after getting But is Marcus Montague the man

on Skype? Then I get a glimpse

of who's inside. The guy that's in the house has just

come out and checked the post. He's realised that

our package isn't in the post because we've still got it and, as

soon as he went back in, I received I'm now more convinced that

the person we're watching is But there's only one way to be sure

and that means me playing postie. Yes, we're happy to help at

TRN Couriers. OK, so the accent needs work, but

I'm hoping the uniform will shine. We've put a tracker

inside the machine. Yep,

it's Marcus Montague and he's signed I mean,

I don't know what he thought of the It is two days before I hear

from him again. The machine hasn't moved,

but what if he does? I think that delivery

has spooked him! I'm worried he might do a runner

- so it's time to confront him. Producer Vic is watching

the house? But, That looks like it could have

been him leaving, actually. But, ten minutes later, he's back on

the drive. Oh, no, he's in the car. Yep, he's just leaving,

he's doing something. This time I'm not

taking any chances. I'll say I've got

the courier delivery. Montague, I've got a delivery

for you mate, a delivery for you? No, I can't accept, I can't accept

if I don't know about it, you know? Actually, mate, I'm from the BBC,

BBC television in the UK and I'd like to ask you a couple

of questions about your involvement I think you do because we've been

sending deliveries to your address We're asking you a few questions

here, don't run us over. No, no,

I'm not trying to run you over. We just need to know, mate, your

involvement with Chip-and-PIN fraud? Who are you actually involved with,

then? Who are you actually working with,

then? Are you making a lot of money out

of it? Well, not many answers - it raised

a few more questions, perhaps. But, whatever the case, he wasn't

very keen to hang around, was he? I think that's probably the last

we'll see of him, at least for now. But he's not

the only one avoiding my questions. Verifone, which makes the machines,

is also the market leader. It decided

on a statement saying the fraud is a result of criminal collusion, that

it takes the security of consumer data very seriously, it works with

the authorities to uncover fraud That'll be ?5.80 please. Do you

know what, I think I'll leave it. and pin fraud, dude drop me a line.

It will be great to hear from you. Next, an exclusive investigation

into wrongly fitted water meters. Water. We can't live without it. But

when it comes to piping it into our homes, are we paying the right

price? I've come to meet one woman from Coventry who certainly wasn't.

You must be Doreen. I am. Nice to meet you. Will July to come into the

kitchen? The water meter was fitted on the pavement outside the

bungalow. For a while, the bills were fine and then they started

coming in with vast amounts of money. How much were you paying?

?700. ?800. ?400. It amounted to a tremendous amount of money. And

there was good reason for that because Doreen wasn't just think

that the water she was using, she was being built for two of her

neighbours. But why? Well, on a typical street the mains pipe

carries the water in and smaller pipes of it into people was back

home is. But eager water company fits the meter in the wrong place,

you can pay for your neighbour's water and your own. Inside Out

discovered that is happening in thousands of cases. Graham Mann is a

water cost reduction consultant. What you might call a water

detective, and no, I had no idea such people existed either. What

exactly do you do? We reduce water charges. But you don't work for the

water company. We work in the interest of customers. It's a market

that is worth billions. Let's see what Neil's problem is. More than a

third of us now have water meters. Neil Jones is one of them, but he

suspects it is costing him more than it should. Does he have the same

problem? Hello, you must be nailed. This is Graham. Tell us about your

problem. My water bill has gone up from ?46 a month, which was high

enough, to ?80 a month. Graham, what can we do to help? We need to check

the water meter. We could be 40. It might be installed incorrectly or

they could be a leak. ?80 seems a lot. The average is half that. So

first things first, turn everything off. Here it is, the moment of

truth. Here it is. What is this saying? Basically, it's registering

consumption. Have you anything on? Everything is off. That doesn't make

sense. We are looking for a leak? Yes. Everything is switched off. I

can't have any water dripping. There is water being used. If you put your

ear to that, it's on the tap. There is a water leak. Sony's problem was

down to a leak and not a Romney fitted meter, but Doreen's water

company did put a meter in the wrong place and says it gets reports of

about 50 cases like hers every year. But it's certainly not the worst.

Yorkshire water told us it dealt with 1600 enquiries and across

England as a whole, figures we have tamed show many more. So why does it

keep happening? -- we have obtained. That's what I wanted to ask the

water companies, but water UK did not want to do an interview. They

sent this statement saying, it's unusual for water meters to be

incorrectly connected. They working hard to stop this from happening.

But the man who represents their customers did agree to talk. So what

does he think of our figures? Generally, companies see a handful

of these cases, but we expect them to take it seriously and carry out

thorough investigations to find out what the causes. Some companies say

they are solving the problem by changing the way they operate, but

with thousands of cases still being operated each year, I wanted to

speak to the water regulator. And there they are. But guess what? Just

like the industry they are supposed to be keeping an eye on and being

based opposite our offices, they refused to do an interview. They did

send us another statement saying, if companies are underperforming, it is

the companies are not the customers that should pay the price. Doreen's

meter is now in the right place. Seven Trent also apologised to her

for taking years to move it. But with thousands of cases being

investigated across the country each year, some of us are probably paying

for our neighbour's water right now without knowing it.

You are watching Inside Out for the West Midlands. Coming up next, the

big sugar debate. It's certainly been grabbing headlines and getting

people talking. In the past it seemed fat was the baddie, but has

sugar taken its place? Evidence shows most of us eat more sugar than

is recommended in the UK, with adults consuming nearly 60 grams of

added sugar everyday. Earlier this year we were advised that sugar

should make up just 5% of our daily calorie intake. That's half the

previous recommendations. We challenged a Brummie to see what's

such an intake would do to his mind and body. It also required and early

start. They said I should be at the park at 6am in the morning. I've

also been told I should be prepared to sweat. What have I let myself in

for? Well done. Keep it going. Andy, let's go. Act at the start, feet

together, squat down. This fitness trainer has a no-nonsense approach.

When it comes to food, he's even tougher. No thank you, not for me.

Sweetness used to be his weakness. That's me at about 18 stone. That's

me at 27 just before I started my journey. That was a couple of weeks

before I started using weight. I can't believe it is the same person.

What was the hardest thing about giving up sugar? It was just the

dependency of not including it everyday. If you are up for it, we

would like you to take part in a sugar -based experiment. Are you up

for it? I am. There's a man I want you to talk to. For one month John

has agreed to face his old Demons and go back on sugar. Q dietician

Paul McArdle. Your diet is quite strict. It is. I'm going to propose

that we aim for something that is more like what the normal person

does. This is like introducing meat into a vegetarian's died. Is there

anything we can see in terms of what he will be eating? Well, John had to

three teaspoons and it's going up to 13. You might change how you feel

physically and how you feel towards food. It's going to be interesting

to see if your preferences change. All we can say now is good luck and

try to enjoy this experience, I guess. Thank you. For a sugar folk,

John seems happy enough, he's upping his intake so it's in proportion

with the average intake in the UK. To be clear, that means we have

triple the amount of sugar he will be eating over the next month. When

he has finished, we will find out the effect it has had on his body.

Why be infatuation with the sweet stuff? What are we looking at? This

shows the brain showed from an MRI scanner when someone has had sugar.

You can see the dopamine that is released in the brain. The more

people sugar -- the more sugar people are used to, the more

dopamine is produced, but they need to take in more to meet the rush. As

you can see from this picture, this little boy in has bitten into a

lemon. It's nature 's way of saying to us not to eat better food because

it is probably spoiled, so we are compelled towards eating sweet

things because that's nature's way of saying they are safe. With all

this information we have, does there need to be some control exercise

over sugar? Well, we shouldn't go to a sugar tax just yet because sugar

is good in moderation. Craig thinks balance is the key. Let's see if our

sugar any pig agrees. After the first day I did feel a little bit

more energetic in terms of towards the end of the day. I did a hike

because I had more sugar in terms of fruit. Is it me or has he sped up. I

feel OK to be honest. I don't feel a lot different. I'm not eating as

much fat, but I am getting more sweet cravings. All in all, it's

going all right. I went for a ten mile run in an hour and 20 minutes,

which worked out at seven minutes a mile. My performance has not been

hindered. A lot of that day of my sugar experiment. Here are the rice

cakes with the jam, which are quite nice. So, it's been a month. My

weight has gone up slightly. For today, I feel all right. John has

come to the end of his diet. I can't wait to see the results. The moment

of truth. Time for the big way in. Your weight has gone up a little

bit. You have gained about ?3. Your percentage body fat has gone up. You

have gained about 2%. These tests show us there has been some change

in your body composition. So the ?3 that you have gained probably is

body fat rather than muscle. Do you feel relieved there has not been any

drastic changes? Definitely. I was concerned. Going back to the point

of being overweight for most of my life, you always think about putting

the wake of con. I'm relieved that it's nothing that can't be fixed

quickly. I feel like a parent waiting for their child to come out

of the doctors. How was that chap? It was very interesting. I put on a

bit of weight. Moving forward, what will you changing your diet? I was a

bit dogmatic on certain foods. Going back to the level of activity that I

do, my previous diet wasn't conducive to that. I could not have

done what you did. Well done. There to moving forward. Even though John

exercises on to 15 hours a week, his body fat went up because of the

sugar diet. We increased his intake to be in keeping with guidelines.

However, many of us are still eating far too much sugar and we should. If

you want to find out more about healthy eating, head over to our

website. That is it for the moment. Join us next Monday at the same

time. See you then. Hello, I'm Ellie Crisell with

your 90 Second Update. The parents of seriously ill

Ashya King are tonight in a Spanish They were arrested after removing

him from a Southampton hospital.