Calls from fraudsters pretending to be us asking you to open a new account or transfer money as your account has been compromised. They say the change should be done there and then and that you shouldn't visit our branch.
They might relate to vaccines, immunity tests, mortgage payments, payment holidays or tax rebates. Fraudsters may even ask you to move your money to a ‘safe account’, giving them access to your money.
They also include fake government web pages and text messages – some encourage you to input banking or security and personal details in order to access payments and tax refunds.
We've also seen fake emails from the World Health Organisation claiming that an attached document shows how you can prevent the spread of the disease. Clicking on the attachment infects computers with malicious key-logging software, which records every keystroke and allows the attackers to monitor your every move online.
There are uninvited approaches of people offering IT help for people working from home with fraudulent intentions.
Some criminals claim to be from the Red Cross or the NHS and offer to take your temperature, do paid tests for the coronavirus or claim to sell things like protective face masks, vaccines and even hand sanitiser. Others just offer general help before stealing bank cards under the guise of doing shopping or collecting pensions.
It’s important not to let criminals rush or panic you into making a decision that you’d later wish you’d thought about for a bit longer . Taking a moment to stop and think before parting with your money or information, could keep you safe.
Someone steals your personal details and uses them to act fraudulently in your name. They could use your details to open bank accounts or take out loans, apply for credit cards and order goods leaving you with the debt. They may even be able to access your accounts.
Sometimes we get offers of products and services through the post. They’re usually unwanted and often just too good to be true. Some might promise you the earth but ask you for money before they deliver. Many try and introduce a sense of urgency with a time-limit to get you to act quickly.
A trader turns up on your doorstep unannounced to get business from you. They usually give you a quote for work you may not even need doing and often at a higher price than you should pay.
They’re often unpleasant and use threatening high pressure tactics to get you to commit to buying their goods and services. Some will demand payment before they start, or before they’ve finished the work and never come back to finish the job. They may not even be properly qualified to do the work.
Never agree to work being done on the spot. If someone knocks on door and tells you, 'you need work doing' – roof tiling, exterior painting, gutter repair – just say no. Be firm, they may not want to take ‘no’ for an answer.
If you know you need some work carried out, shop around – get a minimum of three quotes from reputable local traders. Ask friends for recommendations – it’s the best way to get someone you can trust to do the job.
Don’t take money out for them – if they offer to go with you to get cash out, refuse!
Have you been approached by a rogue trader? Then contact Trading Standards. Call the Citizens Advice consumer helpline on 03454 04 05 06.
If you feel like you're in danger call the police.
Someone encourages you to invest money in a scheme, but it turns out to be worthless or non-existent. You could lose your hard-earned savings, so always be cautious.
Investment fraud comes in many forms, but there’s usually one common promise when someone is encouraging you to invest in a new scheme. They’ll say you'll get a high return with little or no risk to your money. They’re usually time-limited offers, and they encourage you not to share with anyone.
All investments carry an element of risk – it’s worth remembering that even genuine investment opportunities, with the potential of high returns, carry a high risk.
Be especially cautious if the contact is uninvited and it’s through a cold call, email or letter you didn’t expect. Authorised firms aren't likely to contact you in this way.
Don’t be pressured into making a quick decision. Consider taking independent professional financial advice before making any kind of investment decision, especially if the type of investment isn’t familiar to you.
Fraudsters could offer flights, accommodation and other travel services that just don’t exist. They may have set up a completely fraudulent website, or it can be just a fraudulent advert on a genuine site.
They may encourage you to pay for your holiday away from the site for a discount. They’ll often ask for a direct bank transfer and may even send a confirmation email to make it all look genuine.
Make sure your booking is confirmed by a consumer protection scheme such as ABTA (Association of British Travel Agents) and/or ATOL (Air Travel Organiser’s License). Don’t rely on seeing their logo, check membership on the ABTA or ATOL’s website.
Research any property before you book. Check listings on other sites and be cautious if prices differ significantly.
Want help? Our help section is bursting with useful information. If you'd rather chat, just give us a call.
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