There are some general things we should all do to avoid scams:
- Treat all unexpected calls, emails and text messages with caution. Don't assume they're genuine, even if the person seems to know some basic information about you.
- Do not be pressured into acting quickly. A genuine bank or financial services firm won't mind waiting if you want time to think.
- Never give out your bank account or credit card details unless you are certain who you are dealing with.
- If you are buying a financial product such as a loan, insurance, investment or pension, only deal with a FCA-authorised firm - check FCA Register
to see if the firm is registered. Always access the Register from FCA website, rather than through links in emails or on a firm's website (it might be part of the scam).
- Double-check the URL and contact details of a firm in case it's a 'clone firm' pretending to be a real firm, such as your bank or a genuine investment firm.
- Check the list of unauthorised firms and individuals FCA have received complaints about
. If the firm isn't on that list, don't assume it's legitimate - it may not have been reported to FCA yet.
- Check your bank account and credit card statements regularly.
For more advice on the basic steps everyone should take to avoid scams, check out:
- Action Fraud
- Take 5
- Money Advice Service
If you think you have been scammed, find out how to report it to FCA.