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AI voice cloning scams are exploding in the UK and US – and the bank often won’t refund you even when it’s clearly fraud. In this video, I break down the exact AI voice cloning scam that stole £8,500 from a 71‑year‑old grandmother in one phone call. ⏳ Video Chapters 00:00 The AI voice that stole £8,500 01:30 How AI voice cloning scams actually work 05:35 Inside the bank: why refunds are refused 09:35 The scammer calls my mum 12:00 The 3‑step family verification protocol 16:00 Hardening your parents’ bank accounts 20:00 Defence before offence in wealth building 24:00 Action steps to protect your family this week 28:30 Final warning: scammers will use your voice AI voice cloning scams are exploding in the UK and US – and the bank often won’t refund you even when it’s clearly fraud. In this video, I break down the exact AI voice cloning scam that stole £8,500 from a 71‑year‑old grandmother in one phone call. I work in fraud prevention at a major UK bank. I’m seeing AI voice cloning scam cases jump from 2–3 a month to 8–10 a month across my team, and most victims get zero money back because the payment was “authorised.” In this whiteboard breakdown, you’ll learn: How AI voice cloning scams actually work step‑by‑step – from scraping 3 seconds of your voice online to spoofing caller ID and faking “police station” background audio. Why UK APP scam rules and US regulations usually mean the bank WON’T refund you if you authorised the payment, even if it was an AI voice scam. The 3‑step family verification protocol that stopped my mum from losing £3,500 to an AI voice cloning scam – and could have saved Margaret’s £8,500. How to harden your parents’ and grandparents’ accounts: payment limits, delays, and simple rules that make it almost impossible to lose £10,000 in a single phone call. Why “defence before offence” is now a non‑negotiable part of any serious wealth‑building plan in 2026. If you’ve ever posted your voice on TikTok, Instagram Reels, YouTube or LinkedIn, scammers already have everything they need to clone you and call your family pretending to be you. 🔔 Subscribe for more: practical fraud prevention, bank insider insights, and realistic wealth‑building for normal people in the UK and US – no hype, just systems that actually compound over time. 👇 NEXT VIDEO TO WATCH After you lock in your defence, watch this next: my 4‑account system that turns any salary into assets step‑by‑step. • The 4 Accounts That Made Me Rich (On a Nor... 📢 Disclaimer: The content on this channel is for educational and entertainment purposes only. I am not a licensed financial advisor, and nothing shared here should be considered financial advice. Always do your own research and consult a qualified professional before making financial decisions. #ai #scam #fraud #banking #ukfinance #wealthbuilding #aivoicescam #voicecloning