I have read it as I say people will use it to con people dosent mean its not safe to use if you send money or buy from some one you trust! ive used it a fair few times now! I get emails from the Halifax saying you need to send us all your details to up date your account and I don't have an account with them dose this mean you cant trust the Halifax lol now im not saying send money to some random request or anything stupid like that as its a con but that's not the banks fault is it