Scam related FAQs

Phishing is a fraudulent attempt to obtain sensitive information such as usernames, passwords, and bank details by posing as a legitimate entity in electronic communication, typically through email or text messages. Look out for urgent requests for personal or financial information, grammatical errors, suspicious attachments or links, and unfamiliar sender addresses.

Do not click on any links or download attachments. Instead, verify the sender's identity by contacting them directly through a trusted source. Report the suspicious message to Action Fraud, the UK's national reporting centre for fraud and cybercrime.

Investment scams often promise high returns with little or no risk, pressure you to invest quickly, or use unsolicited communication channels such as cold calls or emails. They may also lack authorisation from the Financial Conduct Authority (FCA).

Research investment opportunities thoroughly, verify the credentials of the company and individuals involved using the FCA register, and be cautious of unsolicited offers or high-pressure sales tactics. Consult with a regulated financial advisor before making any investment decisions.

Romance scams typically involve an individual forming a romantic relationship with the victim online and then requesting money for various reasons, such as medical emergencies or travel expenses. Watch out for inconsistencies in their story, reluctance to meet in person, and requests for financial assistance.

Be cautious of individuals who profess love or affection quickly, especially if you have never met in person. Avoid sending money to someone you have only met online, and never share personal or financial information with strangers.

Cease all communication with the scammer, document any relevant information, and report the incident to Action Fraud. Take steps to secure your accounts and identity, such as contacting your bank and credit reference agencies, to prevent further harm.

• The police: If you feel threatened or if you're in immediate danger, call 999. If it's not an emergency, call 101.
• Your bank: If you've noticed any unusual activity with your bank account, call the centralised number 159 or the phone number on the back of your bank card. If you lost money, your bank may be able to recover it in certain situations – but it's not always possible. Your bank may cancel your current card and send you a new one to stop any other fraudulent transactions from your account.
• Action Fraud: Report any kind of fraud by giving them a call or reporting it online via their website.
• Victim Support: Provides 24/7 free and confidential support to victims and witnesses of crime in England and Wales.
• Think Jessica: If a scam has made you feel anxious, fearful or guilty. They provide emotional and practical help to victims of crimes and scams.
• Citizens Advice: Contact Citizens Advice for information and advice about how to avoid scams and fraud. Their consumer services also provides information and advice on consumer issues by telephone and online.
• Samaritans: You can call their helpline on 116 123 if you feel low or anxious and need someone to talk to.
• Social services: If you need care and support, you can contact your local council’s adult social services department. They can provide safeguarding support, and will work with you to consider what action to take.

If you're concerned that someone you care about might be getting scammed, watch out for these signs:

• They're getting loads of mail, more than usual.
• They're taking out big amounts of cash 
• They're struggling to pay for everyday stuff.
• They're getting tons of calls from people they don't know or companies.
• They're being all hush-hush about any of this.

Some folks might not even realise they're being scammed, or they might not want to believe it. They might think the scammers are their pals or that their returns or prizes will come through if they continue to respond . That can make it really tough to talk to them about getting help.

Talk to them gently about it – maybe ask about the calls and letters they're getting. See if they're up for signing up for the Mail Preference Service and the Telephone Preference Service. These can help cut down on the annoying calls and junk mail they're getting.

Help them report the fraud. You can report it for them to Action Fraud, or you can encourage them to do it themselves. It's best to ask them first if you can report it for them, but if you need to, you can report it without their say-so.

Find local support. The government says things like online scams, junk mail, and doorstep scams are all ways people try to rip off vulnerable adults. If you think someone who needs help might've been scammed, let the local council’s adult social services team know. They'll look into it and make sure the person is safe.