Tag: fraud

Public warned misleading claims adverts could cost them thousands

  • Survey findings show only one in five people have heard of paid-ad spoofing scams.
  • The Insurance Fraud Bureau (IFB) is currently investigating 140 claims linked to paid-ad spoofing activity collectively worth £1.82 million (£13K per claim).
  • Amy, 25 from Liverpool, shares her experience of being targeted.
  • IFB has launched a national campaign to help people spot the signs of the scam and report it to CheatLine.

The public must be vigilant when searching for their insurer online, warns the Insurance Fraud Bureau (IFB), as it’s revealed that victims of paid-ad spoofing scams could be facing up to £13,000 in unsolicited fees.

Paid-ad spoofing scams involve unscrupulous firms paying for search engine ads that mimic those of genuine insurers. The victim, who needs to contact their insurer to make a claim, can unwittingly contact a third party while believing they’re dealing with their insurer, only to rack up thousands of pounds in fees which otherwise could have been covered by their policy.

Recent YouGov findings show only one in five people (18%) have heard of paid-ad spoofing scams and with millions using insurance services every day, countless consumers are at risk.[1] As a result, the Insurance Fraud Bureau (IFB) has launched a national campaign to highlight the signs of the scam and to encourage people to report it to CheatLine.

Jon Radford, Head of Intelligence, Investigations & Data Services at the IFB, said: “Paid-ad spoofing is a malicious and calculated practice which can have a devastating impact on victims.

“Unscrupulous firms will deliberately pay for search engine ad results that misrepresent genuine insurers. Having just experienced a road traffic collision, their victims are often in a shaken state, and when they call who they think is their insurer for support they end up trapping themselves in legal agreements that may cost them everything.

“We’re working with insurers and the police to raise awareness and the message is simple – save your insurer’s contact details so you have it to hand if needed and report any signs of paid-ad spoofing scams to our confidential CheatLine.”

It can happen to anyone

Amy, a 25-year-old Camera Assistant from Liverpool, was returning home after visiting friends in early 2024. While driving along a dual carriageway at 50mph, a driver cut in front of her and caused a collision. She knew she had to contact her insurer as soon as she got home. Still shaken, she searched for her insurer on her phone’s browser and called a number on a sponsored ad and provided her details, while being completely unaware it was a third party.

The man on the other end of the phone had been helpful, however Amy thought it was unusual that he hadn’t asked for her policy number. When she told her father, Carl, who is coincidently a counter-fraud Manager at Aviva, he realised she’d been targeted by a paid-ad spoofing scam. Together, they made a series of exhausting phone calls over several hours, to finally withdraw from financial arrangements so Amy wouldn’t face unsolicited charges.

Amy commented on the experience: “I’d never think that I’d be the type of person to be scammed from something like this, but these people are very good at what they do and they’ll get you when you don’t think you’re in a position to be caught, so it’s important to be careful and check everything when searching for your insurer.”

Watch Amy’s story

Pete Ward, Head of Claims Counter Fraud at Aviva, said: “The scourge of misleading online ads is an issue that affects all motorists and insurers. At Aviva, we believe prevention is better than cure, which is why we are working with the IFB to highlight the serious financial implications of paid-ad spoofing. We suggest that drivers save their insurer’s claims number in their phones or keep it handy in their vehicles.   

“When customers mistakenly respond to misleading online ads, we take immediate action to identify and investigate, sharing intelligence with the IFB and relevant regulators. Our proactive monitoring of ads that breach Google’s terms has led to successful takedowns of misleading ads and associated web domains. 

“We’ve seen too many instances where customers contact us about a claim, only to find they never made a claim with Aviva. Imagine the concern when customers realize they don’t know who they are dealing with, what they have agreed to, or the implications of these agreements.

“This confusion puts customers at risk of extreme financial harm: they enter agreements for services like recovery, storage, repair, and hire, believing these costs are covered by their insurance. However, if these costs aren’t recovered from the other party’s insurer, the customer may be liable. 

“There should be no situation where a customer is misled about the identity of the company they are dealing with or the financial implications of the agreements they have signed.” 

How do paid-ad spoofing scams work?

A paid-ad spoofing scam is when a claims firm pays for a search engine ad result which shows up when someone is looking for their insurer. The ads are similar in style to that of a genuine insurer’s and are more likely to appear in mobile phone searches, to encourage people to call through quickly.

Over the phone, the firm may use general terminology to sound like the insurer or to imply that they are affiliated with them. The victim is asked for their personal details to receive ‘support services’ such as a replacement vehicle, and potentially make a claim, which can result in unsolicited third-party agreements.

While any insurance customer can fall victim, those who have been in a road traffic collision are most at risk as they may be shaken after an accident and not thinking as clearly when looking to make a claim. Victims may also believe their fully-comp motor insurance covers everything, but as they don’t know they’re not talking to their insurer, they can sign up to more and more services and it may be weeks until they discover the charges.

Who pays these fees varies. If the other driver is at fault, the firm will claim against their insurer to recover the costs of its unsolicited services. In these cases, the affected individual may not realise they have been linked to a scam. Or, if the other insurer doesn’t believe all the charges as justified, then the victim of the paid-ad spoofing scam may still face some costs.

However, if the other driver is not at fault of the collision, the onus is entirely placed on the person who was mislead into contacting the claims firm for support, to cover all costs that otherwise could have been included with their insurance policy. These fees can run into tens of thousands of pounds and can result in non-stop threatening calls to the victim from third-party firms. In one case, a victim was even pursued to cover over £50,000 in unsolicited fees.

Not only can victims suffer a financial loss, but there is also evidence some firms linked to paid-ad spoofing activity have stolen personal information to use in further fraudulent activity.

The IFB is currently investigating 140 claims linked to paid-ad spoofing worth over £1.8 million in suspected fraud, however it’s believed these figures only scratch the surface as many people are unaware they’ve been targeted.[2]

Top tips to avoid paid-ad spoofing scams

  • Keep your insurer’s contact details written down or saved on your phone.
  • Download your insurer’s app as this usually has customer service support functionality.
  • If searching for your insurer online, go on the insurer’s website to obtain contact details.
  • If viewing a sponsored ad result, check the URL and phone number to ensure it’s legitimate, before sharing any personal information and agreeing to claims services. 

If anyone has concerns relating to paid-ad spoofing scams, they should tell their insurer and contact the IFB’s confidential CheatLine online or via 0800 422 0421.

Biggest fraud crackdown in a generation

Welfare fraudsters who cheated the taxpayer out of £7 billion last year could be banned from driving if they fail to reimburse the public and repay their debt

  • Benefit cheats to be stripped of driving licences under new plans in government’s biggest fraud crackdown in a generation
  • New Public Authorities (Fraud, Error & Recovery) Bill introduces measures to be tough on criminals and fairer to taxpayers.
  • The Bill alone is expected to save the Department £1.5 billion over the next five years, and forms part of wider government plans to save a total of £8.6 billion over 5 years in the biggest welfare fraud and error budget package in recent history, as part of Plan for Change

As part of new legislation set to be introduced in Parliament today to deliver the biggest fraud crackdown in a generation, benefit cheats could be disqualified from driving for periods of up to two years if they refuse all opportunities to repay the money they owe.

The Department or Work and Pensions (DWP) will be able to apply to the court with the justification to suspend fraudsters from driving, provided the debts is £1,000 or over and frequent requests to repay the debt have been ignored.

DWP’s serious organised crime authorised investigators are also expected to be handed powers to apply to a court for search warrants. It means that for the first time, they will be able to support Police and search premises and seize items such as computers and smartphones as evidence against fraudsters.

The Bill alone is expected to save the Department £1.5 billion over the next five years, and forms part of wider government plans to save a total of £4.3 billion in 2029/30 in the biggest welfare fraud and error budget package in recent history.

 The new legislation is being brought forward after the government inherited a broken welfare system, with fraud and error in the social security system currently costing the taxpayer almost £10 billion a year and, since the pandemic, a total of £35 billion of taxpayers’ money has been incorrectly paid to those not entitled to the money.

This Bill comes as the government seeks to bring forward measures to overhaul the health and disability welfare system as part of its Plan for Change, so it better supports people to enter and remain in work and to tackle the spiralling welfare bill – with new proposals for reforming the health and disability benefits system expected in the Spring.

This legislation also delivers on the government’s manifesto commitment to safeguard taxpayers’ money and demonstrates the government’s commitment to not tolerate fraud, error or waste anywhere in public services, including the social security system. 

The measures in the Bill will be underpinned by a principle of fairness and proportionality – the priority is always to negotiate affordable and sustainable repayment plans, with these powers to be used as a last resort. 

Secretary of State for Work and Pensions, Liz Kendall, said: “We are turning off the tap to criminals who cheat the system and steal law-abiding taxpayers’ money.

“This means greater consequences for fraudsters who cheat and evade the system, including as a last resort in the most serious cases removing their driving licence. Backed up by new and important safeguards including reporting mechanisms and independent oversight to ensure the powers are used proportionately and safely.

“People need to have confidence the Government is opening all available doors to tackle fraud and eliminate waste, as we continue the most ambitious programme for government in a generation – with a laser-like focus on outcomes which will make the biggest difference to their lives as part of our Plan for Change.”

DWP will also have the power to recover money directly from bank accounts of those not on benefits or in PAYE employment who owe the Department and refuse to pay up, despite having the means to do so. The Bill will allow DWP to request bank statements to prove these debtors have sufficient funds to fairly repay what they owe. However, DWP will not have direct access to people’s bank accounts.

Modernising the approach to catching fraudsters, preventing overpayments and introducing new safeguards to further protect vulnerable customers means the DWP can keep pace with the sophisticated nature of fraud, while also ensuring law-abiding customers get the right benefits – preventing them from falling further into debt.

The Bill will also include safeguarding measures to protect vulnerable customers. Staff will be trained to the highest standards on the appropriate use of any new powers, and we will introduce new oversight and reporting mechanisms, to monitor these new powers.

The government will also bring forward Codes of Practice which will be consulted on during the passage of the Bill to provide further assurance on the safe use of the powers, and we have a clearly defined scope and clear limitations for the use of all the powers including the right to appeal the decision.

The Cabinet Office’s Public Sector Fraud Authority will also be given more powers under the legislation being introduced in Parliament today.

A brand-new measure will see the time limit for civil claims against Covid fraud doubled from six to twelve years. This step change in the ability to fight fraud committed during the pandemic will give the Covid Corruption Commissioner and the Public Sector Fraud Authority more time to investigate complex cases and apply their new powers retrospectively – including the ability to raid properties and retrieve money from Covid fraudsters’ bank accounts.

Georgia Gould, Minister in the Cabinet Office, said: “During the pandemic, when people and businesses needed government support the most, some people stole public money for their own personal gain.

“This legislation gives the government tough new powers that can be used to investigate and recover money stolen from the public during covid and doubles the time we have to bring fraudsters to justice.”

Taken together, these measures show the government’s commitment to taking a responsible approach to public finances which is required for long-term economic growth, in order to deliver for working people up and down the country.

Additional Information

The new law will deliver on this government’s manifesto commitment to safeguard taxpayers’ money – ensuring every pound is spent wisely and effectively:  

  • New powers of search and seizure – so DWP can control investigations into criminal gangs defrauding the taxpayer 
  • Allowing DWP to recover debts from individuals no longer on benefits and not in PAYE employment who can pay money back but have avoided doing so. 
  • New requirements for banks and building societies to flag where there is an indication that there may be a breach of eligibility rules for benefits – preventing debts accruing 
  • All the powers will include strong safeguards to ensure they are only used appropriately and proportionately – including new inspection and reporting mechanisms. 
  • We have a clearly defined scope and clear limitations for the use of all the powers we are introducing, and our staff will be trained to the highest possible standards. 

The measures in this Bill will enable the PSFA to:

  • reduce fraud against the public sector by using its expertise to take action on behalf of other departments, against those who attack the public sector.
  • better detect and prevent incorrect payments across the public sector through new information gathering and sharing powers.
  • Use strong non-criminal sanctions and civil penalties to provide an alternative to criminal prosecution and to deter fraud 
  • improve the government’s ability to recover public money, through new debt recovery and enforcement powers. 
  • Use new powers of entry, search and seizure to reduce the burdens on the police in the most serious criminal investigations.
  • improve fraud management in future emergencies by creating specialist time limited powers to be used in crisis management situations – building on lessons learned during COVID-19.

The PSFA will implement a ‘test and learn’ approach when utilising these powers, piloting different approaches and expertise to find the best way to tackle public sector fraud.

Metro Bank Highlights What to Be Wary of in 2025

Fraud Predictions for 2025

The Global Fraud Report 2024 witnessed not only a marked increase in fraud, but also genuine concern from research with 1,200 fraud professionals:  96% of the professionals are worried about the industrialisation of fraud, while 79% have seen a significant increase in the sophistication of fraud attacks in the past 12 months.

“Fraud is always evolving and with criminals now exploiting AI and machine learning, our expectation is that scams will be increasingly more sophisticated,” comments Metro Bank’s Head of Fraud & Investigations, Baz Thompson. 

“Our systems have to constantly evolve to protect our customers, but we would remind all consumers and businesses to be wary of anything that seems too good to be true and think twice before sharing any financial or personal information to help protect themselves.”

We are predicting the five scams to be wary of in 2025:

  1. Facebook Marketplace purchase scams
  2. Impersonation of reputable organisations e.g. bank staff/police/courier firms/HMRC
  3. Investments in Crypto via a rogue broker
  4. Off platform ticket sales
  5. Car finance reimbursement scandal

Facebook Marketplace Purchase Scams

Peer to peer selling on Facebook Marketplace has been targeted by scammers offering goods that simply do not exist. Be wary of any deal that seems too good to be true and be cautious of new profiles. 

Ideally, only pay on collection when you have had a chance to review the goods in person.  In the last 12 months we have seen an increase in fraudulent merchants offering goods for sale at attractive prices and then convincing the customers to purchase with card payments being accepted.  

So, not only do you need to be mindful of sellers asking for you to make a payment, but there are also sellers who accept card payments that you need to be aware of.

Impersonation of reputable organisations e.g. bank staff/police/courier firms/HMRC

Consumers are being bombarded by phone, text or email from “trusted” organisations such as their bank, the police, HMRC, delivery companies and utility providers asking for payment or personal and financial details – but these requests are all scams. 

Ahead of the new financial year in April, this time of year HMRC scams are rife. Threatening calls from HMRC asking you to act quickly to pay an outstanding tax bill should be a red flag to pause.  Contact HMRC directly if you have concerns and do not respond to any urgent demands, share any personal information, or click on any links provided.

Investments in Crypto via a rogue broker

However attractive this type of investment may seem, it is inherently risky as online platforms can be breeding grounds for fraudulent schemes, so thorough research and caution are crucial.

Off platform ticket sales

Popular sporting events and major music tours are natural targets for scammers.  Be wary of any tickets not offered through known, reputable sites.

Car finance reimbursement scandal

Lenders and dealers have been accused of hiding commission payments made when cars were bought on finance deals. Motorists are being encouraged to sign up for compensation – be wary of sharing your bank details with a random text or email about this compensation scheme. Instead, check out the form and tool guide on Martin Lewis’s MoneySavingExpert.com website. 

Ensure you use the correct link to this site as opposed to any links sent via email or other means as the fraudsters do impersonate well known celebrities to make the scam look more attractive. 

Consumers can find more information on the Take Five to Stop Fraud website. Take Five is a national campaign that offers straightforward and impartial advice to help everyone protect themselves from financial fraud.

Three easy steps can help prevent a scam from being successful:

  1. Stop -Take a moment to stop and think before parting with your money or information. It could keep you safe.
  2. Challenge – Ask yourself, could it be fake? It’s OK to reject, refuse or ignore any requests. Only criminals will try to rush or panic you.
  3. Protect – Contact your bank immediately if you think you’ve been scammed and report it to Action Fraud at actionfraud.police.uk or call them on 0330 123 2040.

Calls to abuse helpline for older people rise TWO THIRDS IN ONE YEAR

Fraud, theft, abuse and neglect reaches epidemic levels

Older people are being targeted more than ever before in new statistics and data revealed by Hourglass at the start of Safer Ageing Week (11/11/24).

The charity, the only one of its kind in the UK, reports that calls to its helpline are up 65% year-on-year and this has led to over 75,000 calls, contacts and impacts involving older people, their families and professionals.

This is an all-time record for the thirty-year-old charity.

As part of a new campaign, entitled Take Note, the charity is urging the general public and influencers to finally grasp the nettle about the abuse of older people and treat it in the same manner as other forms of abuse.

This comes off the back of recent staggering data that revealed over £53m has been reported as losses relating to economic abuse in the past three years – an average of £87k per case (5,127 cases). These figures, which come from Hourglass cases alone, are likely to be a significant underestimate.

Hourglass, who uniquely support older victim-survivors of abuse and neglect, employ just thirty members of staff to deal with cases, calls and research. However, the charity has seen figures jump from around 10,000 in 2020/21 to the new high of 75,000 in 2023/24.



Commenting on the figures, Richard Robinson CEO of Hourglass, said: “There is no question we are facing an epidemic of abuse of older people in the UK but it remains firmly under the radar.

“We estimate that abuse of older people costs the UK economy £16 billion per year, excluding economic abuse, and this equates to a figure of £50k per victim-survivor per year.

“Safer Ageing Week 2024 is a rare opportunity to shine a light on these issues and sound the alarm bell.

We are sleepwalking into a scenario where we are expecting more than nine million extra older people in the UK by 2050, equivalent to another city with the population of London, but with little pre-planning around safer ageing, abuse services and specialist safeguarding.

“We are already at epidemic levels – without urgent work, we are looking at a tidal wave of issues.”

Take Note campaign highlights £53M stolen or defrauded from older people

Hourglass has today launched its fifth annual Safer Ageing Week campaign. Entitled ‘Take Note’, it runs from the 11th to the 17th November and warns of the continuing tide of economic abuse against older people.

The charity, operating across the UK, uniquely supports older victims-survivors of abuse and neglect across the four nations. Its services include a 24/7 helpline, unique casework service and specialist policy unit.

At the launch of Safer Ageing Week the charity has revealed that over £53 million has been stolen or defrauded from older people in the past three years.

These are purely in cases reported to their helpline, meaning this is just the tip of the iceberg. These figures equate to an average value lost as £87,000 per victim. In 61% of these cases, the perpetrator was a family member of the victim-survivor.

The effect on this massive fraud against older people is significant, bearing in mind the ongoing cost of living crisis and a rapidly ageing older population that is set to see a further 9.6 million older people in the UK by 2050. The charity believes this abuse is only set to increase.

Awareness amongst the general public of what constitutes economic abuse is shockingly low, with a 2024 poll conducted by Hourglass finding that over 26% of people did not believe that forcing an older relative to change their will was an act of abuse.

The charity is set to release further reports throughout the week which will reveal the nature and extent of the economic abuse of older people and evaluating how well financial institutions are performing at safeguarding against this abuse.

Veronica Gray, Deputy CEO and Director of Policy of Hourglass said: “Safer Ageing Week this year focuses on economic abuse and the theme is ‘Take Note’.

“The £53m stolen or defrauded from Hourglass victim-survivors underlines the significance of Taking Note and for the public and influencers to finally grasp the epidemic proportions of abuse against older people.

“We would urge everyone to support this fifth Safer Ageing Week and keep an eye on the raft of announcements and initiatives underway during the week. Hourglass wants everyone involved in supporting older people or dealing with domestic abuse or neglect to help bring this to the public’s attention.

Put simply – it’s time for people to take note.”

SAW2024-Supporter PackDownload



The charity is urging those keen to support the charity to donate by visiting www.wearehourglass.org.uk/donate or Text SAFER to 70460 to donate £10.

Texts cost £10 plus one standard rate message and you’ll be opting in to hear more about our work and fundraising via telephone and SMS.

If you’d like to give £10 but do not wish to receive marketing communications, text SAFERNOINFO to 70460.

UK is suffering a hidden ‘scandemic’ that’s destroying fraud victims’ lives

Thousands of people’s lives are being ruined every day in the UK by a hidden scam epidemic, according to a law firm that specialises in fraud recovery.

Richardson Hartley Law says that the country is in the grip of a ‘scamdemic’ and is calling for the Government, banks, tech giants and social media companies to do more to prevent fraud which it says is only going to get worse. 

The law firm has set up a new specialist brand and website called NationalFraudHelpline.co.uk which, not only recovers scam victims’ money on a no win, no fee basis, but is developing anti-fraud technology, campaigning for better scam safeguards and raising awareness of the scale of the problem.

The website has the latest scam news and advises the public how they can protect themselves from fraud. 

Calls for better protection comes after new rules  were introduced last week(7.10.24)  that mean that UK banks should reimburse fraud victims within five business days if they paid the scammer via authorised push payment (APP), which is when customers pay via their banking app or through logging in online.

Solicitor Martin Richardson, senior partner, at NationalFraudHelpline.co.uk, welcomed the new fraud regulations imposed by the Payment Services Regulator but said he was disappointed that the banks had recently pressured it to reduce the maximum that they had to pay out from £415,000 to £85,000.

Mr Richardson said: ‘There’s a hidden fraud pandemic in the UK that’s being hugely under-estimated. We’re describing it as a “scamdemic” and the impact is devastating. Many victims of fraud are having their lives ruined. We deal with people who have been left homeless, split up with their partners, been plunged into depression and forced to take on extra jobs.

‘Fraud is a multi-billion pound global business. Many victims in this country are falling victim to frauds that are perpetrated by people held in slave camps in South East Asia. where an estimated 200,000 people have been human trafficked and are forced to commit scams.

‘International criminals are harnessing the power of technology to commit increasingly sophisticated scams. With the advent of AI this is only going to get worse, and quickly.

‘We worry that reducing the maximum reimbursement threshold from £415,000 to £85,000 gives the banks less motivation to put in proper fraud prevention measures. There’s also a danger that this means some banks will cap the amount of compensation at £85,000 rather than compensate the full amount.

‘We’re determined, not just to get victims’ money back, but to create proper fraud prevention measures and raise awareness of how big this issue is. Millions of people are scammed in the UK each year. 

‘Technology and the internet is in everyone’s lives and it’s been a gift to fraudsters. It’s unlocked the doors for scammers who use every opportunity to steal people’s money.

‘The Government, big tech giants and social media companies all need to do much more. So many of the scams we see come through Facebook, Instagram and Whatsapp as well as emails.’  

NationalFraudHelpline.co.uk has joined forces with leading UK Artificial Intelligence company, Time Machine Capital Squared, to create innovative anti-fraud technology solutions.

A spokesperson for Time Machine Capital Squared said: ‘We are confident that Machine Learning and AI are vital tools in the fight against fraud. AI will be particularly effective in helping to quickly thwart new frauds as scammers change their tactics and targets.’

The law firm is also campaigning at a national level for better fraud prevention and is sponsoring a report into ‘Banks and APP fraud’ commissioned by the All Party Parliamentary Group for Fair Banking. The report will look at how the new APP fraud measure are working and what more can be done.

Mr Richardson said: ‘It is estimated that in 2024 one in ten people will fall victim to a scam which will total £7.5bn. That is an incredible number. The banks are suggesting people are being defrauded of around £400m a year through APP fraud alone. We believe that the true figure is between £3b to £4b.

‘The issue of fraud needs to be high up on everyone’s agenda

 ‘Fraud is particularly cruel. For victims of romance fraud, for example, they not only lose huge amounts of money but are simultaneously left heartbroken. The stories we hear each day are heartbreaking.’

New guide helps Scots seniors safeguard their finances as online scams soar

With statistics this year from Age Scotland showing that over 400,000 older people living in Scotland have been targeted by scammers, it has never been more important to protect yourself and others from falling victim to fraudsters. Crimes include crypto currency, scam text messages and fake phone calls or emails impersonating trusted organisations such as banks. 

While a rapid rise in cases were seen across all age groups, older people are particularly more susceptible. Incidences of fraud crime against this age demographic in Scotland are rising, as scammers take advantage of their relative unfamiliarity with technology, and potentially more trusting nature.  

To mark International Day of Older Persons on 1st October, Scottish charity the Cyber and Fraud Hub has relaunched its Older Person’s guide to encourage older residents to be vigilant when it comes to online scams.

Originally produced by the Cyber and Fraud Centre Scotland, A Guide to Avoiding Fraud and Scams for Older People addresses some of the most common forms of cyber and fraud crime, and will be distributed through local community networks as well as being available online.  

The guide aims to empower older adults to navigate the digital landscape safely and securely, and provides insights into common online scams, identifies red flags to watch out for, and outlines steps to take in case of suspected fraud.

The Cyber and Fraud Hub is the first charity of its kind in Scotland, offering comprehensive support tailored specifically to individuals affected by cyber and fraud crimes. The Hub is built on strong relationships with Police Scotland and the banking sector, and its mission is to ensure that members of the public across Scotland receive the support they need when they are most vulnerable.  

Since the Cyber and Fraud Hub launched, the team has dealt with around £250k of crypto frauds across all age groups and stopped or prevented around £60k from being transferred to fraudsters. Victims of crypto currency scams usually engage with individuals who are unknown to them through unsolicited approaches on WhatsApp, Facebook or dating apps, for example, or click on links by AI generated celebrities supposedly promoting crypto scams.  

Other common scam and fraud attempts affecting older people most commonly include telephone scams, banking scams, WhatsApp family and friends impersonation scams, parcel delivery scams and investment and pension scams.  

Alex Dowall, Head of Fraud and Cyber at the Cyber and Fraud Hub, said: “Anyone of any age can fall victim to a scam and fraud attempts are on the increase for all age groups, however we have noticed a huge increase in scammers repeatedly targeting older people.

“The Hub was launched to offer Scotland’s only dedicated cyber support for all members of the public. We understand that our older residents are less likely to access online and social media platforms, so we are encouraging people to have a conversation about our guide with their older friends, family and neighbours to empower them to be as vigilant as possible against fraud and scam attempts.”  

International Day of Older Persons raises awareness of opportunities and challenges faced by ageing populations, and to mobilise the wider community to address difficulties faced by older people.

While the day focuses on many issues, Cyber and Fraud Hub urges older people to:  

  • Be cautious of unexpected calls, emails, or letters.  
  • Never give out personal information over the phone or email.  
  • Be suspicious of any offers that sound too good to be true.  
  • Shred personal documents before throwing them away.  
  • Talk to someone you trust about your finances.   

To access the guide, visitthe Resources section on the Cyber and Fraud Hub at cyberfraudhub.org.

Anyone who finds themselves a victim of a cyber or fraud crime can call the incident response helpline on 0808 281 3580. 

New powers for banks to combat fraudsters

Banks to be given new powers to protect consumers against scams

  • New rules extend maximum delay for suspicious payments by 72 hours
  • Gives banks more time to investigate and break the spell of fraudsters

Banks will be given new powers to delay and investigate payments that are suspected of being fraudulent, helping to protect consumers against scammers.  

New laws proposed by the Government today will extend the time that payments can be delayed by 72 hours where there are reasonable grounds to suspect a payment is fraudulent and more time is needed for the bank to investigate.  

This will give banks more time to break the spell woven by fraudsters over their victims and tackle the estimated £460 million lost to fraud last year alone.

Economic Secretary to the Treasury, Tulip Siddiq said: “Hundreds of millions of pounds are lost to scammers each year, targeting vulnerable communities and ruining the lives of ordinary people.  

“We need to protect these people better, which is why we are giving banks more time to investigate suspicious payments and break the criminal spell that scammers weave.”

Minister of State with Responsibility for Fraud, Lord Sir David Hanson said: “Fraud is a crime that can devastate lives, and anyone can be affected.  

“That’s why measures like this are so crucial to provide banks the investigative powers they need to better protect customers from this appalling crime.”

Fraud accounts for over a third of all crime perpetrated in England and Wales, making it the most prevalent form of crime commitment in the country. This has been driven by a growing number of purchase scams and the emergence of so-called ‘romance scams’, where victims target vulnerable people and trick them into transferring large amounts of money by pretending to be interested in a romantic relationship.  

The new rules will help protect people against these types of scams by allowing banks up to an additional 72 hours to investigate suspicious payments. Currently banks must either process or refuse a payment by the end of the next business day.

Which? Director of Policy and Advocacy, Rocio Concha said: “This is a positive step in the fight against fraud. While it should not affect the vast majority of everyday payments, it’s important that banks can delay a bank transfer and take action if they think a customer is being targeted by a scam. 

“These measures should be used in a careful and targeted way. Financial firms of all sizes should also ensure they share intelligence and work with the police and other authorities to shut down accounts used for fraud and pursue the criminals behind them.”

UK Finance Managing Director of Economic Crime, Ben Donaldson said: “UK Finance has long called for firms to be allowed to delay payments in high-risk cases where fraud is suspected, and we are delighted to see proposed new laws supporting this.  

“This could allow payment service providers time to get in touch with customers and give them the advice and support they need to avoid being coerced by the criminals who want to steal their money.

“This could potentially limit the psychological harms that these awful crimes can cause and stop money getting into the hands of criminals.”

Banks who have reasonable grounds to suspect a payment is fraudulent will need to inform customers when a payment is being delayed. They will also need to explain what the customer needs to do in order to unblock the payment.  

The need for evidence to trigger a delay will help protect people and businesses from unnecessary payment delays. Banks will also be required to compensate customers for any interest or late payment fees they incur as a result of delays.

UNLOCK DEMOCRACY: Cleaning Up Politics

Restoring trust in politics doesn’t depend on funding or passing laws.

This joint letter signed by, amongst others, Civil Exchange, Transparency International UK, Compassion In Politics, Compass, Make Votes Matter, and the Electoral Reform Society sets out four things Prime Minister Sir Keir Starmer can announce to demonstrate that he will clean up politics:

Charity launched due to increased calls to cyber and fraud helpline

First of its kind charity formed to support people through cyber and fraud crime

A new national charity has been launched to support members of the Scottish public who find themselves victims of a cyber or fraud crime.  

The Cyber and Fraud Hub was formed by Cyber and Fraud Centre – Scotland in response to a rapid increase in calls from concerned members of the public to its incident response helpline a collaboration between leading Scottish cybersecurity organisation the Cyber and Fraud Centre – Scotland, Police Scotland and the Scottish Government, which was originally set up to support businesses through a cyberattack. 

Last year, calls to the Cyber and Fraud Centre incident response helpline doubled, with 

60% of calls coming from concerned members of the public seeking advice following a suspected cyber or fraud crime.  

Businesses will continue to be supported through the Cyber and Fraud Centre – Scotland with advice, intelligence and training, while the newly launched Cyber and Fraud Hub will offer tailored support through reporting and legal guidance, victim assistance, and recovering funds as well as improving the public’s understanding of cyber and fraud crime.  

The Cyber and Fraud Hub will be the first charity in Scotland to offer this level of bespoke victim and advice support to individuals and will allow a greater number of people to access wraparound support at a time when they are most vulnerable. 

The Cyber and Fraud Hub was spearheaded by a dedicated team who gave up their spare time to make the charity a reality. The team includes; Angie Lees, Declan Doyle, John Callagy, Jude McCorry, Alex Dowall and chair, Paul Atkinson. 

Jude McCorry, CEO of Cyber and Fraud Centre – Scotland, said: “I recently saw a quote saying “The Fight against fraud is everyone’s problem, but no one’s priority” and we have seen this play out over the last year.

“In launching the Cyber and Fraud Hub, we have now made it our priority, but we need others, including senior figures in financial services and government, to make it their priority too.  

“The Cyber and Fraud Hub will meet a vital need for support for individuals who find themselves in the daunting situation of being a victim of a cyber or fraud crime, the impact of which can be immense, mentally and financially. 

“We’ve built strong relationships with our colleagues at Police Scotland and the banking sector to support our business community to be more resilient and we wanted to extend this support to the growing number of individuals who find themselves personally compromised as a result of this growing threat.  

“Members of the public require a different type of support to get them through a cyberattack, where they are supported as victims of a crime as well as going through formal criminal proceedings.

“The Cyber and Fraud Hub team have the knowledge, skills and expertise to allow them to listen and provide reassurance as well as the tools to get people back on their feet.”  

Assistant Chief Constable Andy Freeburn said: “I am delighted to be appointed as a Trustee of the Cyber and Fraud Hub and have seen at first hand the success of collaborative working to combat fraud and keep people safe in the digital world.    

“The Hub will be an invaluable resource and complement the support available from Police Scotland.  It will deliver first-class education and partnership programmes to help communities and individuals build resilience against cybercrime and fraud and offer specialised support to those who have become a victim of cybercrime.” 

If you, or someone you know, has been a victim of cyber or fraud crime, you can call the Cyber and Fraud Hub on 0800 1670 623, or visit www.cyberfraudcentre.com.