Fraud Graphic 

1. Ringtone scams                                                   

Ringtone scams tend to be targeted at younger people and were very prevalent when mobile phones first had the ability to change ringtones. Periodically these scams still turn up. The scam attracts victims by offering them a ‘free’ ringtone, but by accepting this  the user is subscribed to a regular service and payment each month that they didn’t know about.

2. Car Insurance 

The caller says you're eligible for cheaper car insurance. The scam is that they get your personal information and card details which can be used for theft from you and/or identity theft.

3. Government Awards 

The caller claims that you have won a government award, just for being a good citizen.  The scam element is that you have to pay a processing fee or something similar to get the award.

4. BT Disconnection Scam

A caller claiming to be from BT tells you that your number is due to be disconnected due to non-payment of the latest bill. Only immediate payment can prevent the disconnection. Sometimes the scammer will tell you to put the phone down and try calling someone. This proves to be impossible as the scammer holds the line open. Then the scammer disconnects and calls back to collect the money.

 5. Missed Call scam

If you are in the habit or automatically calling any number where the person failed to get through to you – don’t! This can be a bad idea and you should think before calling back.  The scammer calls and immediately terminates the call but when you call back it’s on a premium rate line that can charge up to £3 per minute.

6. Technical Support Virus scam

This is a very common scam where the caller claims they are calling from Microsoft or your Internet broadband supplier and tells you that you have a virus on your computer. The caller goes on to take control of your computer, convince you there is a major problem and charge you for removing that non-existent problem.

7. Telephone Lottery Scams

The caller tells you that you’ve won a prize draw or lottery.  This is a form of advance fee scam as the caller then needs a small payment to release the winnings.

8. Payday loans

The caller targets those who have applied for a payday loan and claim to be a debt collector. They demand payment and late fees and some people have been threatened unless they pay up. The scammers sometimes call people who don’t have such loans but the threatening nature of the call can make them pay up anyway.

9. Mobile phone insurance

After purchasing a new mobile phone you may receive a call supposedly from the shop where you bought the phone. They say they forgot to tell you about the free insurance deal. On signing up for this they take your payment details supposedly as verification but in fact just want those details to sell to other scammers. There is no free insurance.

10. HM Revenue and Customs (HMRC)

 HMRC have recently warned customers about calls from scammers pretending to be the taxman. The caller tells you that you’re due a tax rebate and asks you for your bank details so the money can be paid into your account. There is no money and the scammer obtains your bank details for their own illegal use.

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