Scams

Scams are tricks people use to steal your money or personal details. Anyone can be tricked — not just older people. But if you know what to look for, you can stay safe.

Spotting a Scam

Here are some signs that something might be a scam:

• Who sent the message? Check the email address. If it looks strange or has random letters and numbers, it might be fake.

• How do they greet you? Real companies use your name. Scammers often say “Dear Customer” or something general.

• Did you expect the message or call? If someone contacts you out of the blue — especially about money or pensions — be careful.

• Are they rushing you? Scammers want you to decide quickly. Real companies give you time to think.

• Does it sound too good to be true? Big rewards with no risk? That’s usually a scam.

Avoiding Scams

Here’s how to protect yourself:

• Keep your devices updated. Install updates and use antivirus software to block scammers.

• Don’t share personal info. Never give out passwords, PINs, or bank details.

• Don’t click on strange links. If you get a weird email or text, go to the company’s website yourself — don’t click the link.

• Avoid public WiFi. Free WiFi in shops or cafes isn’t safe. Use your mobile data instead.

• Be careful with phone calls. If you get a call that seems suspicious, hang up. Wait 5 minutes, then call the company using the number on their website or your bank card.

Reporting a Scam

If you think you’ve been scammed, here’s what to do:

• Call your bank. They can help protect your account.

• Report it online. Use the FCA Scam Smart website or Action Fraud — or call 0300 123 2040.

• Check your credit report. Make sure no one is using your name to borrow money.

• Watch out for follow-up scams. Scammers might contact you again pretending to help you get your money back.

Need Help?

For free advice, visit moneyhelper.org.ukor call 0800 138 7777.