Protect yourself from scams

Protect yourself from scams

Scams, also known as frauds, cons, or swindles, target individuals or businesses to obtain unlawful money or valuable information. Fraudsters may pose as legitimate companies, attracting victims through emails (phishing), texts (smishing), phone calls or even face to face relationships.   Understanding the various types of scams and how to avoid them is critical for safeguarding your assets and personal information. Details of the latest scam alerts can be viewed by visiting Which.

Types of scams

Phishing and Smishing

These scams involve fraudsters sending misleading emails or texts to trick you into revealing personal information.  Always check the messages for spelling errors and urgent requests for personal information or money.

Only click on links if you are certain of their authenticity.  If in doubt, report spam texts to your mobile provider by forwarding them to 7726.  Learn more about reporting online scams at gov.uk. 

Doorstep scams

Be vigilant of uninvited services or offers at your door.  Verify the identity of cold callers by checking their ID and contacting the company they claim to represent.  Legitimate representatives will have a charity number, which you can verify by visiting the Charity Commission website.  Always make callers wait outside while you confirm their credentials.

Phone scams

Fraudulent calls may claim to be from your bank, IT companies or other organisations. If someone asks for your banking details, advises moving money to a “safe” account, or requests you to download software, end the call immediately.  Visit Age UK for advice to help you spot, avoid, and report these types of scam calls. 

Prevent fraud: ten golden rules

1. Be careful of offers that seem too good to be true.
2. Seek independent or legal advice before agreeing to deals.
3. Check credentials before handing over money or signing anything.
4. Avoid sending money to unknown or untrusted individuals.
5. Protect your personal and banking details.
6. Visit websites directly rather than through email links.
7. Seek independent proof of a company’s success.
8. Get advice on offers involving money or commitment.
9. Report scams if you encounter them.
10. Don’t be embarrassed to report a scam – help protect others.

What to do if you have been scammed

• If you fall victim to fraud or cybercrime, report it using Action Fraud's online reporting service You can also call them on 0300 123 2040 for assistance.  Victim Support offers confidential help via their 24/7 helpline 0808 16 89 111.
• For more information on the different types of fraud and to receive alerts about scams in your area visit Action Fraud.
• For further resources on identifying and reporting scams, refer to the Little book of big scams.

By staying informed and cautious, you can protect yourself from the ever-evolving tactics of fraudsters.