Scams are a growing concern. Scammers are becoming more creative, targeting people through emails, phone calls, social media, and even in person. Knowing the different types of scams and how to protect yourself is key to staying safe. Here's a breakdown of common scams and practical tips to avoid falling victim.
Common types of scams
Phishing Scams
These scams are designed to steal your personal information, such as passwords or bank details. Scammers often impersonate legitimate organisations like banks or online retailers, sending fake emails or messages that request you to click on a link or provide sensitive information.
Tech Support Scams
Scammers pose as tech support representatives, claiming your computer or device has a virus or abnormal activity. They’ll ask you to grant them remote access to fix the issue, only to steal your personal data or install malicious software.
Investment and Cryptocurrency Scams
These scams promise high returns on investments, often involving fake shares, pyramid schemes, or fraudulent cryptocurrency platforms. They lure victims with flashy websites and urgent offers.
Romance Scams
Romance scams prey on emotions. Scammers create fake identities on dating platforms or social media to gain trust, then ask for money, often requested for an emergency or travel costs.
Online Shopping Scams
Fake websites or social media ads offer goods at heavily discounted prices. After you pay, the product is either never delivered, or it’s vastly different from what was advertised.
Lottery and Prize Scams
You’ll receive a message claiming you’ve won a prize or lottery but must pay a fee or share personal information via a link to claim it. Legitimate organisations will never ask for money to release winnings.
Impersonation Scams
Scammers pretend to be someone you trust, such as a family member, government official, or even your employer. They may request money or sensitive information urgently. Often they request you to click a link that will direct you to a webpage that looks legitimate but is fake.
Tips to stay safe from scams
Be cautious of unexpected contact
If you receive unexpected emails, messages, or phone calls asking for personal information or payment, don’t rush. Verify the sender or caller before taking any action. See the next point to find out how you do this.
Check for official identification
If someone visits your home claiming to represent a company, ask to see their identification and verify it with the organisation before engaging further. If you get an unexpected phone call that seems suspicious, contact the company directly by finding their official number on their website.
Never share sensitive information
Legitimate organisations will never ask for passwords, PINs, or full bank details via email, text, or phone.
Use strong passwords and two-factor authentication
Secure your accounts with unique, strong passwords. Enable two-factor authentication for an extra layer of security.
Verify websites and sellers
Before making online purchases, ensure the website is legitimate. Look for a secure padlock symbol in the top-left of the browser, check that the web address starts with ‘https’, and research the company’s reviews.
Be cautious with links and attachments
Avoid clicking on links or downloading attachments from unknown sources. Scammers often use these to install malware.
Educate yourself about scams
Stay informed about the latest scams. Visit trusted sources like government websites or consumer protection organisations for updates.
Trust your instincts
If something seems too good to be true, it probably is. Be cautious with offers that seem unusually generous or urgent.
What to do if you’ve been scammed
- Inform your bank: If financial details were shared, notify your bank immediately to secure your accounts.
- Change your passwords: Update your passwords for any compromised accounts.
- Report the scam: Contact your local authorities or consumer protection organisation. In the UK, you can report scams to Action Fraud.
- Warn others: Share your experience to help others avoid similar scams.
Our Advice service can help you better understand scams and learn how to protect yourself.
For personalised scam advice, give our agents a call on: 0113 518 4070
Our service is available to residents in London, South East England, and East of England.
