Education
Student Loans Company says student ‘smishing scams’ on the rise
AT the start of the 24/25 academic year, the Students Loans Company (SLC) is reminding students to be vigilant of smishing scams.
Scammers target students at this time of year as they receive their first maintenance loan payment. SLC is expecting to pay £2bn to students over the autumn term and last year it stopped £2.9m of maintenance loan payments being taken by smishing and phishing scams, where students received and acted on false communications.
Smishing, which is fraud involving text messages, is currently the most popular form of scam, with students usually being asked to click a link to complete a task – for example verifying bank details or confirming their personal information, providing an opportunity for a payment to be diverted to a scammer’s bank account.
SLC will never ask students to provide or verify their personal or financial information via email or text message, and Alan Balanowski, Risk Director at SLC, is urging students to pay attention to any communication they receive from Student Finance Wales (SFW) or SLC over the coming weeks.
He said: “Starting or returning to university is an exciting time, but it’s also busy, with students getting organised and set-up for the academic year, which includes dealing with information from different organisations, including ourselves. We aim to ensure our payment process is simple for students, but we do experience a rise in smishing scams at this time year. This means students need to be alert to any potential attempt to intercept their maintenance loan instalment.
“We have a range of preventive methods we use to target scams, but the most impactful tool we have is working together with students to stop scammers. If a student receives a suspicious message, they should delete it and report it immediately, but if a scammer does succeed in obtaining personal details, then we must collectively act quickly to spot and block the action”.
“Last year, we were able to stop £2.9m of maintenance loan payments ending up in the hands of scammers and we are focused on working as effectively as we can to protect students and their finance.
“Our message to students is quite simply, think before you click.”
SLC’s top tips
- Neither SLC nor SFW provide any services through WhatsApp and will never initiate contact with a student through social media channels, including Facebook, X, Instagram and Tik Tok, to discuss their application or student finance entitlement. If a customer receives a communication from SFW that they are unsure of, they should log into their online account to verify if it’s genuine.
- Check the quality of the communication – misspelling, poor punctuation and bad grammar are often signs of phishing.
- Keep an eye out for any suspicious looking emails, phone calls or text messages, especially around the time of an expected payment.
- Scam emails and text messages are often sent in bulk to many people at the same time and are unlikely to contain both a first and last name. These commonly start – ‘Dear Student’.
- Messages that convey a sense of urgency are also unlikely to be genuine – for example ‘failure to respond in 24 hours will result in the account being closed’.
- Think before you click. If an email or text message contains a link, hover over it to check that it goes where it’s supposed to. If in any doubt don’t risk it, always go direct to the source rather than clicking on a potentially dangerous link.
- Scammers can use a variety of methods to try and get students to pay money or share personal details, including the use of fraudulent phone calls, social posts and direct messaging on digital platforms. Always use official phone numbers, the online account and official communication channels to verify the contact received is genuine.
- Be mindful of the information you share about yourself on social media, and elsewhere online, to help guard against identity theft. Identity theft happens when fraudsters access enough information about a person’s identity, such as their name, date of birth, customer reference number, course information or their current or previous addresses to impersonate them online and over the phone.
- SLC or Student Finance Wales (SFW) send a text message to students in Wales if a change has been made to their bank details. If you haven’t changed your bank details and receive a message, contact us immediately.
- Check out our guide to identifying a scam at www.gov.uk/guidance/phishing-scams-how-you-can-avoid-them
If a student receives a suspicious message, they should report it immediately by email [email protected] and to SLC by calling our dedicated hotline on 0300 100 0059.
There is also a range of additional advice and information on recognising and avoiding scams from Action Fraud, the UK’s national reporting centre for fraud and cybercrime.
Education
Pembrokeshire free school transport call to be heard at County Hall
A CALL to allow school pupils from Johnston and Tiers Cross access to free school transport to the nearby Haverfordwest high school is to be heard by councillors next week.
Due to a change in catchment areas the pupils are no longer able to access free transport to Haverfordwest, instead coming under the Milford Haven catchment area.
A petition calling for the reinstatement of the former catchment area to access free transport for pupils to Haverfordwest was recently started in the county.
The e-petition, which ran from September 18-November 1 on the council’s own website, attracted 351 signatures, meeting the threshold for a debate at the relevant Pembrokeshire County Council overview and scrutiny committee, in this case the Schools And Learning Overview And Scrutiny Committee meeting of November 28.
The petition, started by Kirsty Coaker, reads: “We call on Pembrokeshire County Council to change Johnston and Tiers Cross School Catchment back to Haverfordwest.
“Children of Johnston and Tiers Cross are now ineligible for free school transport to Haverfordwest High due to the areas no longer being in ‘catchment’.
“Both Johnston and Tiers Cross are Haverfordwest postal codes and are classed as Haverfordwest, yet the school catchment is Milford Haven.
“Please help our children access suitable transport to and from secondary school.”
The e-petition will now be considered at the November 28 meeting.
Education
Creative contributions in Operation Ivydene ASB poster competition
STUDENTS from across Carmarthenshire, Ceredigion, Pembrokeshire and Powys have been recognised for their outstanding contributions to a poster competition run as part of the Dyfed-Powys Police Operation Ivydene initiative.
Over the past few months, primary and secondary schools across the four counties were invited to submit designs highlighting the impact of anti-social behaviour (ASB) and the importance of promoting safer neighbourhoods.
Last week, the posters were judged by a panel of police officers and crime prevention specialists to come up with the winners.
A special prize-giving ceremony was held on Monday 18th November, where the five winning students were honoured for their outstanding contributions.
‘Antisocial behaviour’ is a broad term which includes behaviour that has caused or is likely to cause harassment, alarm or distress to a member or members of the public. Criminal and non-criminal behaviours such as littering, vandalism, public drunkenness, aggressive dogs, or noise nuisance may also be considered ASB.
Caryl Griffiths, ASB Hotspot Co-ordinator for Dyfed-Powys Police said: “The goal of this competition was to engage students in understanding the effects of anti-social behaviour on their communities, and to inspire them to think about how they can contribute to a safer, more supportive environment.
“Judging the competition was challenging due to the high standard of entries, but we ultimately selected five winners who showed exceptional creativity and thoughtfulness.
“A special thanks to Bethan James, our Schools Service Manager, for her role in bringing all the schools together.
Until March 2025, ten of the areas worst hit by antisocial behaviour across Carmarthenshire, Ceredigion, Pembrokeshire, and Powys will receive additional dedicated ‘Hotspot’ police patrols through Operation Ivydene, thanks to an injection of cash from the Home Office, secured for the force by Police and Crime Commissioner Dafydd Llywelyn.
The patrols focus on tackling these types of issues in the following areas:
- Carmarthenshire – Tyisha, Elli / Llanelli town centre, Carmarthen town and Ammanford.
- Ceredigion – Aberystwyth and Aberaeron.
- Pembrokeshire – Haverfordwest town centre and Tenby town centre.
- Powys – east Newtown and Brecon.
Inspector Darren Crockford said: “Operation Ivydene is a targeted initiative that uses a ‘Hotspot’ policing approach to address and behaviour that constitutes ASB and causes harm and alarm in the community.
“Hotspots have been selected as the areas experiencing the highest volumes of violence and antisocial behaviour (ASB) offences and based on local intelligence.
“The patrols aim to provide a reassuring presence to help people feel safe while also proactively disrupting crime and acting as a deterrent.
“An important element of the overall Operation Ivydene approach will be to engage with our communities having meaningful discussions about how ASB impacts the community, and encourage them to take an active role in creating safe and positive places to live.”
Bethan James, Dyfed-Powys Police Schools Service Manger added: “Our Schools Service offers crime prevention sessions to children and young people on topics such as ASB where we use bespoke films and real-life examples to reflect victims’ experiences and explore the boundaries between fun and fear.
“Sessions delivered by our team of Schools Police Officers are specifically designed to challenge mindsets and attitudes in a safe and supportive learning environment.
“The discussions between the officers and the learners explore the long-lasting, harmful effects of ASB, about crimes and consequences and where children can find advice and support.”
During national Anti-Social Behaviour Week, Dyfed-Powys Police is sharing information to help members of the public recognise, report, and get support for anti-social behaviour. Follow them on Facebook for more information.
Charity
‘Grave concerns’ over national insurance hike
SENEDD Members expressed grave concerns about the impact of the UK Government’s national insurance tax hike on GPs, universities and charities in Wales.
Plaid Cymru leader Rhun ap Iorwerth warned the rise in employer national insurance contributions from 13.8% to 15% in April will have a disproportionate impact in Wales.
He told the Senedd: “Labour are quick to accuse others of fantasy economics whilst their own plans represent nightmare economics for thousands of employers and employees.”
Raising concerns about the impact on job creation and wages, he said employment levels are at their lowest for almost a decade – lower than anywhere else in the UK.
He accused Labour of breaking a manifesto pledge as he pointed to an Office for Budgetary Responsibility (OBR) assessment that three quarters of the cost will be passed to workers.
Leading a debate on November 20, Mr ap Iorwerth called on the UK Treasury to fully cover the added cost to public sector employers in Wales.
He said: “It’s not the private sector only … bearing the brunt. Charities, GPs, universities – sectors already feeling the squeeze, to say the very least – have been taken to the brink.”
He pointed to “eye-watering” bills of £90,000 for some GPs, with the British Medical Association warning some surgeries could close as a consequence.
Mr ap Iorwerth said mental health charity Plattform faces a £250,000 annual bill and Welsh universities, “already crippled by financial challenges”, will face significant further pressures.
Plaid Cymru’s motion urged Welsh ministers to press the UK Government to apply a wider definition of the public sector workforce to include universities, GPs and charities.
Peter Fox, the Conservatives’ shadow finance secretary, similarly accused Labour of breaking a manifesto commitment not to raise tax on working people.
The former council leader said: “Time and time again – the chancellor went on TV and made the claim, only to u-turn after they got into power.”
Mr Fox, who represents Monmouth, said even a 1% rise in employer national insurance contributions for the public sector would cost Welsh taxpayers an extra £100m.
He told the Senedd: “The UK Government has said that it will provide funding to cover the cost of national insurance contributions for those workers.
“However, this will still come out of the taxpayer’s pocket … ultimately it is the taxpayers who are going to pay for the Chancellor’s tax increase.”
Luke Fletcher, Plaid Cymru’s shadow economy secretary, warned the national insurance rise will be a drag on an “already anaemic” Welsh jobs market.
His colleague Sioned Williams, who also represents South Wales West, described the chancellor’s “back-of-a-fag-packet” plans as senseless.
She raised concerns about six-figure increases in tax bills for charities including Tenovus, Marie Curie, Citizens Advice Cymru and the Wastesavers Charitable Trust.
Cefin Campbell, Plaid’ Cymru’s shadow education secretary, said the national insurance increase will cost Welsh universities an estimated extra £20m a year.
The Mid and West Wales MS warned: “Without a shadow of a doubt, these additional costs could push our higher education institutions over the precipice.”
Labour’s Hefin David said difficult decisions had to be made to fill a £22bn “black hole” left by the Tories but he rejected Plaid Cymru claims of a return to austerity.
Dr David told the Senedd: “Yes, tough decisions have to be made but I think that in the longer term, this is to everyone’s benefit.”
Andrew RT Davies, leader of the Conservative opposition, disputed the “incorrect” £22bn figure, saying the OBR found a £9bn gap.
Replying to the debate, Mark Drakeford stressed that neither he nor the Welsh Government has responsibility for national insurance contributions.
Wales’ finance secretary, who was appointed in September, criticised “fantasy economics” from opposition members on the Plaid Cymru and Conservative benches.
Deriding the “politics of the playground”, he said: “Both of them are willing to spend money on almost anything; neither of them are willing to raise the money necessary from anyone.”
Prof Drakeford said the chancellor returned national insurance broadly to where it had been as a share of gross domestic product for 13 of the 14 Conservative years.
The former First Minister pointed out that the UK Government offset national insurance rises on small employers by more than doubling the employment allowance.
He told the debating chamber or Siambr: “If you want to pay for things, you have to find the money to do so. That is what the chancellor had to do. That is how we will get the money that will come to public services here in Wales.”
Senedd Members voted 25-19 against Plaid Cymru’s motion.
-
Crime4 days ago
Pembroke man faces rape and sexual assault charges
-
Business1 day ago
Specsavers relocates to landmark new store following £1.2 million investment
-
Community6 days ago
Special guests for Torch showing of ‘Attack on Sorpe Dam’
-
Community3 days ago
Waldo Lounge in Haverfordwest is now officially open!
-
News3 days ago
A tribute to Honey Arteya Foxx French, written by her family
-
Top News5 days ago
Pembrokeshire’s ‘coal king’ lifts one of world’s oldest 127 kg lifting stones
-
News5 days ago
Police appeal after Nerf gun bullet hit baby
-
Farming7 days ago
Farmers fight back: Inheritance tax row at Welsh Labour conference