Advice on what to look out for

GLOBALLY, 978 million victims lost a total of £130bn as a result of cybercrime.

There are things we can do, the experts say. In emails and texts HMRC and banks never include links to verify passwords and account details.

HMRC will never send emails, texts or phone you about a tax rebate or penalty, and never address you as “Dear Account Holder” or with another generic greeting.

Suspicious emails claiming to be from HMRC should be forwarded to phishing@hmrc.gsi.gov.uk - Forward suspicious texts to 60599.

If you believe you have been duped by an internet scam, report it immediately to Action Fraud on 0300 123 2040. Ask your bank for specific advice from its cyber fraud unit.