Protect Yourself From Common Online Scams
Online scams are becoming increasingly prevalent, and it’s important to be aware of the different methods used by fraudsters. By being vigilant and taking precautionary measures, you can protect yourself from falling victim to these scams. Here are some common scams and tips on how to avoid them:
Fake Retailer Websites
In recent news, it was reported that Wilko had gone into administration, giving scammers an opportunity to create fraudulent websites offering discounted goods. Santander received over 5,000 complaints from customers in August alone, with an average loss of £37.
How to avoid: Always check the website address before making a purchase, and be wary of heavily discounted items. Legitimate retailers do not pressure you to complete a purchase within a few minutes.
‘Hi Mum’ Text Messages
Fraudsters may send text messages claiming to be from a relative who has lost their phone and needs money. They will ask you to transfer funds to a specific account, which belongs to the fraudsters.
How to avoid: Never transfer money without first speaking to the relative who is asking for help, even if they claim it’s urgent. If it’s really them, they will find a way to contact you.
Missed Delivery Texts
You may receive a text or email stating that a courier is trying to deliver a parcel, but you need to pay a fee or rearrange collection. The scammers may provide a link to a website or an app to download.
How to avoid: Examine the URL of any links you click on and avoid downloading unfamiliar apps. If you’re expecting a parcel, go directly to the courier or retailer’s website to track it. If you weren’t expecting a delivery, ignore the message.
Paid-for Government Sites
Scammers create websites that offer services like applying for a Ghic or updating a driving license, but charge an additional fee. They often appear in Google search results as sponsored listings.
How to avoid: Look for the “sponsored” label above the website address in Google search results. Check the fine print or the terms and conditions page for any mentions that the site is not official and charges extra fees.
Car-selling Scams
Fraudsters post ads on online marketplaces for vehicles that don’t exist and convince buyers to transfer money for a deposit or full payment. Once the payment is made, they disappear, taking the money with them.
How to avoid: Always see the car in person before making any payments. Consider using an AA inspector to check the vehicle’s condition. Use a credit or debit card for payment, as they offer built-in protections.
Student Money Mules
Students are often targeted to become money mules, allowing their bank accounts to be used for money laundering. Barclays reported a 23% increase in these cases last October.
How to avoid: Be cautious of online offers that promise quick and easy cash, especially on social media. “If it sounds too good to be true, it probably is,” warns Barclays. Participating in money laundering can result in criminal charges.
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