Black Friday is officially this coming Friday but we all know that the online sales have begun already.  Most retailers are honest and open but unfortunately there are unscrupulous fraudsters out there who design very believable websites selling non-existent goods or services.  

Often, it's up to the discretion of individual banks as to whether they will refund money spent on these fake sites.  One major bank PTSB says its software has slashed fake website clicks. 

Speaking to Joe this morning was Peter Vance is the Chief Operating officer for PTSB.