Four key messages to stop readers falling into a TRAP

TELL

FIGHTING fraud will only ever be successful if you spread the word – warn your family and friends by discussing and highlighting common frauds. If you have lost money to a scam, tell Action Fraud too. Run by the City of London Police, it collects information to help build an overall picture of fraud in the UK, which it can use to better inform the public. And let your bank know as soon as possible in case it can help recover money from a criminal’s account.

RESEARCH

NEVER be put under pressure to invest, transfer or withdraw money quickly and without consideration. Research investment opportunities and companies that offer them using reputable advisers and the internet. Stop to think what a caller is asking of you too – and take the time to consider whether a legitimate firm or bank would ask for those details.

ASK

SEEK advice from all sources – family, friends, experts and the internet. Ask questions of the caller too. For advice contact Action Fraud on 0300 123 2040 or visit actionfraud.police.uk

PROTECT

KEEP computers up to date with anti-virus software and update smartphone apps. Try not to reveal too much personal information on social media – such as birthdays and a home address. And the best way to protect your money if called out of the blue about banking security or investment deals is to hang up and make checks. Find a wealth of useful information from official websites getsafeonline.org and cyberaware.gov.uk.