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Flaws in the security systems of banks and mobile phone companies have allowed criminals to access bank accounts and defraud people out of thousands of pounds. It's a fraud known as Sim Swap - the criminal impersonates you to your phone provider and orders a new SIM card. This new Sim is used to intercept the verification calls and texts from your bank. The criminal then uses these verification messages to access your bank account. One listener relays his experience to Shari Vahl. First broadcast on You & Yours, 13 May 2016.