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Protect yourself from fraud

Protect yourself from fraud- Take Five

The campaign, launched in September 2016, aims to put consumers and businesses back in control with straightforward advice to help prevent financial fraud and encourage people to take a moment.

Take Five is the first national campaign to be backed by all the major banks and other financial service providers across the UK. A range of advice, videos and educational resources can be downloaded from the Take Five website.

Take Five: five key things to remember

The campaign is asking everyone to help protect themselves from financial fraud by remembering some simple advice:

1. Never disclose security details, such as your PIN or full password - it’s never okay to reveal these details.
2. Don’t assume an email request or caller is genuine - people aren’t always who they say they are.
3. Don’t be rushed – a genuine bank or organisation won’t mind waiting to give you time to stop and think.
4. Listen to your instincts – if something feels wrong then it is usually right to pause and question it.
5. Stay in control – have the confidence to refuse unusual requests for information.

 

The risk of becoming a victim of financial fraud can be reduced significantly by considering and taking simple but very effective steps.

  • Check people are who they say they are. Not Sure? Don’t open the door!

  • Never send or give money to anyone you don’t know or trust. Don't agree to offers or deals immediately, insist on time to obtain independent/legal advice before making a decision.

  • Remember to protect your identity – don’t share your personal information with unexpected callers. Never give banking or personal details to anyone you do not know or trust. Never share your PIN number or enter your PIN into a telephone. This information is valuable so make sure you protect it.

  • Beware of email and computer scams. Treat all emails from unknown senders with suspicion and always log on to a website directly rather than clicking on links provided in an email.

  • If you are suspicious of any website and are concerned that it may not be genuine, it can be checked for free at scamadviser.com

  • If in doubt phone a relative, friend or someone you know personally. Always get independent/legal advice if an offer involves money, time or commitment.

  • Be suspicious of all ‘Too good to be true’ offers and deals. There are no guaranteed get- rich-quick schemes. Do not rely solely on glowing testimonials: find solid independent evidence of a company’s success.

  • Do not hand over money or sign anything until you have checked the credentials of the company or individual.

  • Do not be embarrassed to report a scam. Because the scammers are cunning and clever there is no shame in being deceived. If you spot a scam or have been scammed, report it and get help. Contact Action Fraud on 0300 123 2040 or online at www.actionfraud.police.uk Contact the police if the suspect is known or still in the area. By reporting you will make it more difficult for them to deceive others.

There is further advice and support available from GetSafeOnline and Financial Fraud Action.