Be savvy and don’t get scammed



Fraudsters are always online using different ways to con unsuspecting individuals out of their hard-earned cash. Emails, texts, websites and phone calls can seem so convincing and legitimate that sometimes even the most vigilant people can find themselves victim to a scammer.

 

Here are some things to familiarise yourself with and to be aware of:

 

Online shopping

There are lots of fraudsters advertising products and services that either don’t exist or aren’t theirs to sell. Many try to copy existing websites to try and appear genuine or advertise things that don’t belong to them. During the summer, a common con is holiday apartments and villas being advertised for rent. The scammers will copy pictures and information from a genuine website then advertise the rentals themselves.

 

Tips

If you receive an email from someone/company you don’t know never click on a link in the message.

Check the URL of the website. If it begins with “https” instead of “http” it means the site is secured using an SSL Certificate (the s stands for secure). SSL Certificates secure all your data as it is passed from your browser to the website’s server. To get an SSL Certificate, the company must go through a validation process.

Before you buy online check the ratings for the seller and avoid those who have poor ratings.

Use secure payment methods such as PayPal or your credit card.

 

Pension scams

Now that over 55’s can access their pension savings there has been a lot more scammers trying to convince people to invest this money in bogus schemes. If you receive a cold call or an email from a company or anyone wanting to discuss pension opportunities with you do not. Always speak to a financial adviser who is registered with the financial conduct authority.