Couriers who retrieve cards and PINs from victims' homes represent the latest fraud scheme affecting pensioners and the Asian community in the United Kingdom, according to payments industry trade group Financial Fraud Action UK, formerly APACS. The scheme has become more widespread, Katy Worobec, the organization's head of fraud control, said in a statement. In the scheme, a fraudster calls posing as a bank security employee or as a police officer and warns pensioners their account is showing signs of fraudulent activity. The fraudster then advises the victim to write down his PIN and put it and his bankcard in an envelope, which a courier later picks up. The fraudster then uses the card and PIN to drain the individual's account.