I had a call last night from a reader of this blog to thank me for my tip-off about the O2 scam and the importance of checking bank statements. On his account he found a £1 payment to a charity which he hadn’t made; this was also a scam. It’s what is called a ‘tester’. They make a small theft, which might well be plausible, wait to see if you notice, and if you don’t they hit you for a much bigger sum a few weeks later. So, keep checking your statements.