Scammers rely on urgency, secrecy and moving you away from trusted contact routes. Slow the situation down.
Do not follow the contact
Do not click the link or call the number in the message. Use a trusted statement, card or official website.
Protect access
Do not share one-time codes, passwords, remote-access control or transfer money to a “safe account”.
Contact the bank quickly
Use the number on the card or official app if money or account access may be at risk.
Preserve evidence
Keep numbers, usernames, messages, receipts, bank details and times.
Unsafe lending
Seek confidential help if a lender uses threats, takes bank cards, keeps documents or operates without clear regulated terms.
Pause when you see pressure
- Unexpected contact or urgency
- Requests to move money or share codes
- Impersonation of a bank, council or delivery service
- Links that do not match the expected organisation
- Promises of guaranteed returns or instant approval
Worked example
A genuine organisation should allow you to stop, verify through an independent route and return without threatening immediate loss.
Common mistakes to avoid
- Mixing several unrelated issues into one request.
- Leaving out dates, references or the requested outcome.
- Using assumptions where evidence can be checked.
- Taking no copy, screenshot or note of the action.
Practical task
Write a personal verification rule: which trusted number or app you will use for your bank, utilities and benefits.