Pension savers will be better protected from scams under new plans announced yesterday (Tuesday 9 June 2026), as the Government acts to stay ahead of increasingly sophisticated fraudsters who rob people of their lifetime savings
New safeguard proposed to tackle pension fraud.
Targeted safeguard to end misuse of Small Self-Administered Schemes with average losses rising to £38,400 per person.
Part of wider government programme to crack down on pension fraud to ensure more can save with confidence.
Pension scams are among one of the most damaging forms of financial fraud. Fraudsters trick savers into transferring their pension pots into bogus schemes, often leaving victims with no way to recover their losses.
The new proposals would mean that where there is no clear link between a saver and the SSAS scheme they are transferring into, a new warning flag would be triggered, enabling the transfer to be stopped.
The consultation also seeks views on cutting red tape that has been slowing down legitimate transfers, making the process simpler for savers who are not at risk of pension fraud.
Torsten Bell MP, Minister for Pensions, said: “Pension scams can rip away not just people’s savings, but the retirement they are looking forward to. This Government is determined to stay one step ahead of criminals who seek to exploit savers.
“Too often we see fraudsters trying to trick workers into transferring their savings into bogus pensions. We are stepping in to automatically block transfers where the warning signs are flashing red.”
The consultation is the first step in a wider government programme to tackle pension fraud working with government departments and industry stakeholders, including the Pension Scams Action Group (PSAG). Further measures, including potential new legislation, are being developed this year.
Gaucho Rasmussen, Executive Director of Enforcement & Executive General Counsel at The Pensions Regulator (TPR), on behalf of the Pension Scams Action Group (PSAG), said: Fraud wrecks lives – and tackling it demands strong, coordinated action.
“Through the Pension Scams Action Group, which TPR leads, we are working closely with the DWP, law enforcement, the pensions industry and other partners to identify emerging threats and stop fraudsters in their tracks.
“The targeted safeguard proposed is an important step forward in protecting savers. We urge trustees and administrators to have their say.”
POLICE Scotland is proud to support #TakeFiveWeek26, working with Take Five to Stop Fraud to help more people recognise the warning signs of scams.
This year, three best-selling crime authors have written short stories inspired by the tactics scammers use and reminding us that, just like in a good mystery, the clues are often there if you know where to look.
By taking a moment to stop and think like a detective, you could spot the clues and protect yourself from a scam.
West Lothian-based business stole £8.8 million of VAT in employment agency scam
The stolen money funded lavish lifestyles, with cash splashed on gold bullion, diamonds, fast cars and expensive properties.
One director is already serving a six-year sentence for a separate sophisticated VAT fraud
The bosses of a corrupt payroll company that stole millions of pounds of VAT have been jailed for more than 22 years.
West Lothian-based Linear Services handled payroll for 27 employment agencies but didn’t hand over VAT they owed to HM Revenue and Customs (HMRC) during a two-year fraud.
Graeme Cullen, Leslie Thompson, Graham Newall and Martin Lang ran the firm that charged VAT on invoices totalling £8.8 million between 2015 and 2017. The court heard the gang lived extravagant lifestyles with huge amounts of money spent on expensive homes, holidays, diamonds and even gold bullion.
Thompson is already serving a six-year sentence for his role in an elaborate multi-million-pound tax fraud that led to convictions for a network of 20 corrupt company directors.
The 63-year-old, from Bathgate, West Lothian, was jailed in October, while his wife Beverley was handed a two-year suspended sentence for her role in the elaborate scam.
The gang were caught following a lengthy investigation by HMRC’s Fraud Investigation Service, who worked alongside partners from Police Scotland’s Specialist Crime Division.
Lang, 68, pleaded guilty on 30 January. Cullen, 54, Thompson, 63, and Newall, 49, were sentenced on 21 April after an eight-week trial at Glasgow High Court.
HMRC urges all businesses to carry out meaningful due diligence on any supply of services and anyone with any information about any type of tax fraud can report it to HMRC on GOV.UK.
The government will launch a review into dramatically reducing the number of police forces in England and Wales.
Consolidating the current model will make the police more cost-efficient, giving the taxpayer more value for money, while also ensuring a less fragmented system that will better serve the public and make them safer.
This is a moment to reset policing’s focus and return to its core principles – restoring neighbourhood policing and tackling local crime by delivering a structural overhaul to meet the demands of the modern world.
National Police Service
A new nationwide police force will be established to fight the most complex and serious crimes.
The new National Police Service will attract world-class talent and use state of the art technology to fight complex and serious crimes, lifting the burden on overstretched local forces and allowing them to focus on catching local criminals.
The service will bring the capabilities of the National Crime Agency, Counter Terrorism Policing, regional organised crime units, police helicopters and national roads policing under a single organisation.
As one force, it will be better equipped to share technology, intelligence and resources to stop the growing threat from crime that has become increasingly complex, digital, online and with no respect for constabulary borders.
A national police commissioner will be appointed to lead the force and will serve as the most senior police officer in the country.
It will enable local officers to spend more time supporting victims of crime and delivering neighbourhood policing, rather than navigating the forensics system.
This will give victims confidence as their case will be supported by world‑class specialist expertise, and the latest technology, no matter where they live.
Part of the new National Police Service’s remit will be to take on responsibility for forensics from the 43 local forces with direction set centrally from the new organisation.
Demand for specialist digital forensics means there are 20,000 devices awaiting analysis at any time. The service will deal with these backlogs and help the police keep up with the ever-increasing pace of change in technology.
Frontline policing will save £350 million by scrapping outdated procurement approaches, which will instead be used to fight crime.
Under the current localised model, each of the 43 forces often procure technology, equipment and clothing themselves, meaning 43 different teams undertaking the same work.
The new National Police Service will end this inefficiency, taking on the responsibility for shared services, equipment and IT.
The National Police Service will buy equipment once on behalf of all, saving money through economies of scale and reinvesting the savings back into frontline policing to go after criminals.
Accountability and standards
Ministers will be handed new powers to intervene directly in failing forces, sending in specialist teams to turn them around so they fight crime more effectively.
If crime solving rates or police response times are poor, the Home Secretary will be able to send in experts from the best performing forces to improve their performance, so they catch more criminals.
The Home Secretary will restore the power to sack failing chief constables. New laws will hand ministers statutory powers to force the retirement, resignation or suspension of chief constables if they are poorly performing.
The forces will also be directly accountable to the public, with new targets on 999 response times, victim satisfaction, public trust and confidence. These results will be published and forces graded so communities can compare.
To further reinforce accountability, His Majesty’s Inspectorate of Constabulary Fire & Rescue Services will gain statutory powers to issue directions when forces fail to act on its recommendations.
Alongside these force-wide measures, the government will also ensure the highest standards from individual officers. To strengthen safeguards and ensure those unfit for policing are kept out of the profession, the government will introduce laws to impose robust, mandatory vetting standards for all police forces, ensuring the public is protected.
These new standards will enable forces to exclude those with a caution or conviction for violence against women and girls offences from policing.
Stronger requirements on forces to suspend officers who are under investigation for these crimes will also be introduced.
Police officers will be required to hold and renew a licence throughout their career so they learn new skills as criminal techniques evolve.
The Licence to Practise will ensure officers are best equipped with problem solving and technological skills they need to catch more criminals.
Drawn from other professions such as lawyers and doctors, officers will have to demonstrate that they have the skills needed to fight crime. Those who fail to reach the required standard, following opportunities to try again, will be removed from the profession.
Neighbourhood policing
Under new reforms, response officers will be expected to reach the scene of the most serious incidents within 15 minutes in cities and 20 minutes in rural areas, and forces will be expected to answer 999 phone calls within 10 seconds.
These new targets will ensure that all forces provide the same level of police response to crimes.
Currently, data on response times is collected differently across forces, and police are not held accountable if targets are not met. Reforming the system will create more transparency and consistency across the country.
Where forces fail to deliver, the Home Secretary will send in experts from the best performing forces to improve their performance, including when unmet response‑time targets are part of broader systemic failing.
To fight everyday crime, the government will ramp up its pledge to restore visible neighbourhood policing and patrols in communities through an extension of its Neighbourhood Policing Guarantee.
This has already placed named, contactable officers in each neighbourhood. Under the extension, every council ward in England and Wales will have its own named, contactable officers, creating more local points of contact and giving officers a deeper understanding of the issues in their area.
Police forces will also recruit the brightest and best from universities in a new recruitment drive to cut crime and catch more criminals.
Modelled on Teach First, the government is investing up to £7 million to attract top students from universities into specially trained graduate neighbourhood police officer roles in England and Wales.
Retailers across the country will see a major crackdown on organised crime gangs thanks to £7 million in new government investment aimed at dismantling criminal networks from the ground up.
This funding will supercharge intelligence-led policing to identify offenders, disrupt the tactics used to target shops, and bring more criminals to justice.
Technology
The government is making the largest investment into state-of-the-art police technology in history, with over £140 million to be invested to roll out technologies to catch more criminals and keep our communities safe
The number of live facial recognition vans will increase five-fold, with 50 vans available to every police force in England and Wales to catch violent and sexual offenders.
The government will also roll out new artificial intelligence (AI) tools which will help forces identify suspects from CCTV, doorbell and mobile phone footage that has been submitted as evidence by the public.
A new national centre on AI – Police.AI – will be set up to roll out AI to all forces to free officers from paperwork, delivering up to 6 million hours back to the frontline every year – the equivalent of 3,000 police officers. This means more police on the streets fighting crime and catching criminals.
More tech specialists will work in police forces to outsmart modern criminals and put more fraudsters and organised crime bosses behind bars.
The move will enable police forces to uncover more vital hidden evidence on phones and laptops to secure more convictions of professional criminals and keep people safer from crimes such as child sexual abuse.
Public order
A new senior policing role will be introduced to lead the police’s nationwide response to public disorder, and galvanise and co-ordinate responses to major incidents.
The senior national co-ordinator role for public order policing will sit within the new National Police Service. They will not be responsible for local public order responses, which remain within the remit of chief constables, and instead sit at a higher strategic level of oversight, with responsibility for decision-making over the most significant national public disorder, such as the widespread disorder seen in the summer of 2024 and the riots that started in London in 2011.
While local policing responses will stay the responsibility of chief constables, the new role will provide national oversight and decision-making on mobilisation and resourcing, with enhanced powers to:
direct resources under mutual aid arrangements and require forces to contribute during major disorder
ensure mandatory data sharing between forces
set a national strategy for public order policing
monitor and implement relevant recommendations from His Majesty’s Inspectorate of Constabulary and Fire & Rescue Services
Officer wellbeing
The government will expand the roll out of the dedicated Mental Health Crisis Line so all officers and staff can access mental health support, and have committed to its funding long term.
Officers and staff in front-facing and high-risk roles will also be offered psychological risk screenings each year so officers suffering can be signposted to the best support when they need it most.
Trauma tracker software will be made available to every force and ensure senior leaders can identify and support staff at the highest risk and intervene at an earlier stage.
Mandatory training around resilience and mental health for new recruits and supervisors will be introduced and treated as protected learning time.
Special constables
Experts in cybersecurity and technology are being encouraged to join the Special Constabulary, as police forces across England and Wales ramp up their efforts to tackle modern crime.
Since 2012, the number of special constables in England and Wales has fallen year-on-year to just 5,534 as of March 2025. This is down 73% from 20,343 in 2012.
To reverse this decline, the Home Office will work with policing to streamline the recruitment process for Specials, making it easier for people to volunteer, while maintaining consistent high standards of vetting and training. Steps will also be taken to ensure existing Specials are incentivised to remain in the role, by better integrating them into the wider police force.
Job seekers are being warned of fake delivery driver work being listed over the festive period, enabling insurance details to be stolen by fraudsters.
Stolen identities are highly valuable to fraudsters, who use them to carry out harmful scams such as Crash for Cash and Ghost Broking. Cases of identity theft reported to the Insurance Fraud Bureau (IFB) have risen annually, with a sharp 42% increase in the past year alone[1]. Amid this trend, several insurers have told the IFB they’re finding more people are having their personal information stolen through fake delivery driver roles for insurance scams.
With Christmas and the January sales bringing a rise in courier vacancies, job hunters are being urged to be extra vigilant and report any evidence of insurance fraud to the IFB’s CheatLine.
Nicola Smith, Intelligence and Investigations Manager at the IFB, said: “We’re concerned that more people are being caught out by fake delivery driver jobs and having their insurance details stolen for organised fraud.
“With more of these roles appearing in the run-up to Christmas and January sales, it’s crucial for those looking for delivery work to be aware and stay vigilant.
“Victims are misled into believing they’ve secured a job and are encouraged to hand over copies of their insurance certificate, driving licence and other sensitive documents. The consequences are serious – fraudsters may take out multiple insurance policies in victims’ names, third parties can pursue them for costs, and their credit scores can be badly damaged.
“Young people may also be more vulnerable to this scam, as fraudsters exploit their need for work and they may be less aware of how important it is to protect their personal information.
“We want everyone to recognise the value of their personal information and protect it at all costs. We’re working closely with the industry and law enforcement to tackle this issue. If you believe your details have been stolen for an insurance scam, report it to our confidential CheatLine.”
Mike Haley, CEO of Cifas, added: “The rise in fake job adverts targeting delivery drivers is part of a broader trend of identity fraud that continues to dominate the fraud landscape.
“In the first half of 2025 alone, Cifas members reported a record 217,000 fraud risk cases, with identity fraud making up 118,000 (55%) of all filings.
“These figures underline how quickly criminals adapt to exploit seasonal opportunities. Our advice: apply only through official job sites, seek a second opinion on offers, and never share sensitive details under pressure.”
How does the scam work?
Insights show that fraudsters advertise courier roles on social media and classified ad websites. Applicants are told their application has been successful and are then asked for personal details – including their name, address, date of birth, car insurance information and a copy of their driving licence – supposedly to set them up as delivery drivers.
Fraudsters may use this data to take out policies in the applicant’s name and resell them as doctored policies, by posing as fake insurance brokers in a fraud known as Ghost Broking. This is a scam that tricks people who struggle to afford cover into buying fake car insurance online.
The fraudsters may also hijack genuine insurance policies to stage fraudulent claims in a scam known as Crash for Cash, which involves causing deliberate collisions for compensation. A type of this activity known as moped scams – which has been rising across London and Home Counties – is often driven by identity theft.
In such cases, the fraudster will use details stolen from the job seeker to fraudulently admit liability in their name, while the fraudster or an accomplice of theirs acts as the injured party. Doctored images and documents are then used to support the claim, often exaggerating damage, injuries and costs to inflate the payout.
The warning comes as the IFB recently announced cases of ID theft linked to organised insurance fraud have risen year on year, with levels in the past year now over seven times higher when compared with 2021. To help tackle the issue, the UK’s top policy fraud hotspots were revealed following an analysis of 2.4 million insurance policies, to highlight areas where people appear to be at greatest risk.
The rise also follows a recent announcement by Cifas, a not-for-profit organisation which protects public, private and voluntary sectors from fraud, reporting a 25% increase in insurance fraud linked to identity theft and false applications.
How can I protect myself?
People who are looking for delivery driver roles are encouraged to be vigilant, apply to reputable companies and ideally through their website to help ensure personal information is kept secure.
Simple measures can also protect personal information:
Create strong, unique passwords for personal accounts.
Avoid sharing personal details on social media.
Shop only on legitimate retailers’ websites and never give bank details to unknown parties.
Keep devices secure by installing software and app updates promptly and enable two-factor authentication where possible.
Watch out for phishing and vishing attempts – never click on suspicious links, open unexpected files, or reveal personal details to unsolicited calls or text messages.
Report insurance fraud
The IFB is a not-for-profit organisation which leads the insurance industry’s collective fight against insurance fraud. Evidence of an insurance scam can be reported to the IFB’s confidential CheatLine online or via its phoneline (powered by CrimeStoppers) on 0800 422 0421.
Advice is available for anyone who believes their identity has been stolen in an insurance scam.
Hourglass Charity Warns of 2.6 Million Victim-Survivors with numbers set to increase, as National Summit Convenes
The UK’s older people are losing more money to abuse than was stolen in the largest ever cash heist, with projections showing over 1.5 million people could become victim-survivors annually by 2030, the charity Hourglass revealed today.
The Tonbridge Securitas depot robbery of 2006 – which saw armed criminals steal £53 million – has long stood as the UK’s most audacious cash theft. Yet new analysis from Hourglass, the only UK-wide charity dedicated exclusively to ending the abuse of older people, reveals that fraudsters and abusers have stolen that amount from older victims across the UK.
The sobering figures emerge as ministers, safeguarding experts and frontline practitioners prepare to convene virtually for the Safer Ageing Summit 2025 on 12th November, where they will confront what Hourglass describes as “the most under-recognised safeguarding crisis of our time.”
According to Hourglass projections, by 2030, almost 4 million older people across the UK could experience abuse annually – encompassing physical, psychological, sexual, and economic exploitation and neglect. The charity warns that whilst these crimes rival organised heists in scale, they receive only a fraction of the attention, resources, or political priority.
“The reality is stark: abuse of older people is rising, but recognition, resourcing and political attention are still lagging behind,” said Richard Robinson, CEO of Hourglass. “We can’t keep treating older people as an afterthought in safeguarding policy.
“By 2030, almost 4 million older people could be victim-survivors every single year. That should be a national wake-up call.”
Expert panels will tackle critical issues including: Economic abuse and urgent legal reforms to powers of attorney; the intersection of housing, health, and systemic ageism; the sexual abuse of older people – what experts call “one of the last taboos in safeguarding”.
The summit will feature powerful testimony from Laura Johnston-Brand and Karen Lee, founders of the Willie’s Law campaign through their own lived experience, who are championing urgent reforms to prevent the financial exploitation of vulnerable older people through misused powers of attorney.
Hourglass is demanding immediate government action including: Stronger legal protections against economic abuse of older people; mandatory age-disaggregated data collection across all safeguarding services and a coordinated UK-wide strategy to end abuse in later life.
Richard Robinson added: “We hope our Summit will not only remind people of these sobering statistics but drive urgent action to put the abuse of older people at the top of the political agenda where it belongs.”
The Eric Liddell community day care service in Edinburgh recently held a scam awareness session for their clients living with dementia and their care partners.
They decided to organise this session due to some clients being duped by fraudsters going door-to-door and online. The session was organised by day care manager, Caroline Heenan and was run by PC Stuart Fraser from the Community Policing Team at St Leonards Police Station.
Peta Randall, day care officer, said: “It was very interesting and makes you think how prepared fraudsters are”.
Carmel Riley, admin assistant, added: “I feel more equipped to deal with the nuisance calls I get.”
Christine, 82, said: “My husband gave money to a gardener but he made a mess and never came back.”
Beverley, 73, added: “I was scammed online, but I now understand how it can happen”.
Caroline, day care manager, said: “For others who are thinking about holding a session, I’d say go for it!
“Police Scotland are more than happy to facilitate these sessions.”
Motorists across the UK are being urged to stay vigilant as “crash-for-cash” scams continue to rise – with fraudsters deliberately causing rear-end collisions to cash in on bogus insurance claims.
According to the Insurance Fraud Bureau (IFB), over 170,000 claims linked to suspected crash-for-cash incidents have been made in recent years – costing the UK industry hundreds of millions and pushing up premiums for honest drivers.
Legal expert Adam Jones from HD Claims warns that these staged accidents are often designed to make innocent drivers look responsible, particularly by slamming on brakes in congested traffic or at roundabouts.
“Many of these scams are carefully choreographed to leave you thinking you were at fault,” says Jones. “You may feel you were too close or distracted, but in reality, the collision was intentional. It’s financial exploitation – and in some cases, extremely dangerous.”
Telltale signs you’re being set up for a rear-end scam:
The other car’s brake lights are faulty or deliberately disabled
The driver is erratic, braking sharply or hesitating at junctions
The car is full of passengers – who all later claim whiplash
The other driver tries to talk you out of calling the police
They provide pre-written insurance details or urge you to use their “preferred” repair garage.
Other roadside scams to watch out for in 2025:
False damage claims: Fraudsters may claim you scraped their car in a car park, showing fake dents or photos from a previous incident.
Staged pedestrian accidents: A person may jump in front of your slow-moving car to fake injury.
Vehicle obstruction thefts: Drivers are blocked in by a second car while someone tries to steal valuables from the passenger side.
Fake breakdown helpers: In remote areas, con artists may offer help then demand cash or card payment on the spot.
What to do if you suspect a scam:
Stay calm and don’t admit fault at the scene
Photograph everything – car positions, damage, number plates, road signs, passengers
Call the police if anything feels suspicious
Never accept cash offers or sign anything without checking it first
Report it to your insurer and the Insurance Fraud Bureau (IFB) Cheatline
“Crash-for-cash fraud doesn’t just cost drivers money – it can cause injury, anxiety, and serious legal consequences,” Adam Jones adds.
“If something feels off, document everything and get legal advice immediately.”
Stop: Take a moment to stop and think before parting with your money or information. It could keep you safe.
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.
Protect: Contact your bank immediately if you think you’ve been scammed and report it to us.
Type don’t tap!
