We have been the victims of this fraud. Its a very frustrating that u cannot do anything and just become a victim of it. Although these frauds cannot be stopped, if u find another wa, the culprit will find another way to it. But yes we can save ourselves if the companies comes with some very authenticated method which cannot be hacked by anyone. Hoping this will happen soon, seeing the ratio of these frauds. I wonder whether companies really catch hold of them or not. Kritika Aggarwal