• Beware of being told you must act quickly or you’ll miss out on this ‘one- time deal’.


• Never send your bank or personal details. If you have done, contact your bank immediately to stop money being withdrawn and sent overseas.


• Never send any money.


• Never, under any circumstances, travel anywhere in response to one of these scams. Not only will you not see your money again, you could put yourself in physical danger.


What to do if you have been a victim of advance fee fraud


• Report it to Action Fraud. • Break off all contact with the fraudsters. • Do not send any more money. • Do not tell them your bank details.


• If you have given the fraudsters your bank account details, alert your bank immediately.


COURIER SCAMS


A fraudster may call at your home or office and trick you into handing your cards and PINs to a courier. There are many variations of the scam, but usually a fraudster will cold call the victim on a landline, claiming to be from a bank or the police and stating that their systems have spotted a fraudulent card payment or that the card is due to expire and needs to be replaced.


To reassure you that they are genuine, they may suggest that you hang up and ring the bank/police back straight away. However, they do not disconnect the call from the landline so that when you do dial the real phone number, you are actually still speaking to the fraudster. You may then be asked to read out your PIN or type it on your phone keypad. They may also ask for details of other accounts you hold with the bank or financial service provider. Finally, they will send a courier to collect your bank card.


The fraudster will have then obtained your name, address, full bank details, card and PIN.


Protect yourself against courier fraud


• Your bank will never send a courier to your home.


• Your bank and the police will never collect your bank card.


• Your bank and the police will never ask for your PIN.


• If you receive one of these calls, end it immediately.


What to do if you have been a victim of courier fraud


• Report the matter to Action Fraud.


• If you have handed over any details, call your bank and cancel your cards. immediately.


• When you call your bank, do so from another telephone.


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