Get your money back from a scam
Advice for what your next step should be to help you get your money back.
It can be hard to tell if something is a scam - that’s why they work. Fraudsters are cunning and adapt quickly to convince you into parting with your money.
Ask yourself the following questions. If you answer yes to any of them, there's a good chance it's a scam.
Cold calls or unexpected emails or messages should raise suspicion, especially if you’re asked to give personal or payment details. It’s very unusual for legitimate organisations to contact you and ask for sensitive information if you’re not expecting them to. If you're not 100% convinced about the identity of the caller, hang up and contact the company directly.
Never share your personal details with anyone if you can't confirm they are who they say they are. Scammers will often try and get valuable personal data from you, and they can use this to steal your money, or even to steal your identity. You should also be wary of anyone who asks you to pay in an unusual way, such as through Western Union or by using Cryptocurrency.
Scam websites often have vague contact details. Remember that legitimate companies will have a place of business, phone number or email address to contact them on. Sometimes scammers also use premium rate numbers (starting ‘09’) to squeeze every penny they can out of you.
It's important you can discuss any agreements with your friends, family or advisors as outside perspectives can provide valuable voices of reason. Fraudsters use grooming techniques including isolating you so that you don't tell anyone about the situation you're in and fall deeper into the scam. Asking you to keep quiet is a way to keep you away from the advice and support you need in making a decision.
Scams will often promise high returns for very little financial commitment. They may even say that a deal is too good to miss. Use your common sense, if a deal seems too good to be true, it inevitably is.
Fraudsters often try to hurry your decision making. Don’t let anyone make you feel under pressure - it’s OK to take a break and think things through if you’re not sure. It's also a common technique for scammers to use a countdown timer on scam websites to pile on further pressure. Genuine companies should always give you time and space to make an informed decision - anyone who tries to rush you should not be trusted.
Emails or messages littered with spelling and grammar mistakes are a scam giveaway. Legitimate organisations will rarely, if ever, make spelling or grammatical mistakes in their emails to you because they’ve been put together by professionals and checked before they’re sent.
Our emails will alert you to scams doing the rounds, and provide practical advice to keep you one step ahead of fraudsters.
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