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Check out the latest Scam Alert!

Check out the latest Scam Alert!

by Danielle Thompson (September 2021)

Once again, you are advised to watch out for the latest PayPal scam. Action Fraud received 244 reports in just one week about fake emails purporting to be from PayPal saying that the recipient’s account had been temporarily restricted, with links that, at first glance, appear genuine, but take the individual to websites set up to steal PayPal login details as well as personal and financial information.

You can help remove malicious emails and websites like these by forwarding suspicious emails you receive to: report@phishing.gov.uk #PhishyFridays

Now, some warnings to those who are considering transfer or release of pension pots.

Scammers usually contact people out of the blue via phone, email or text, or even advertise online. Or they may be introduced to you by a friend or family member who is also unknowingly being scammed. Scammers will make false claims to gain your trust. For example:

claiming they are authorised by the FCA, or that they don’t have to be FCA authorised because they aren’t providing the advice themselves

claiming to be acting on the behalf of the FCA or the government service Pension Wise

Scammers design attractive offers to persuade you to transfer your pension pot to them (or to release funds from it). It is then often:

invested in unusual and high-risk investments like overseas property, renewable energy bonds, forestry, storage units

invested in more conventional products but within an unnecessarily complex structure which hides multiple fees and high charges

stolen outright

Common pension scams include: 

early pension release scams

pension review scams

You should seriously consider seeking financial guidance or advice before changing your pension arrangements.

The Pensions Advisory Service provides free independent and impartial information and guidance.  

If you’re over 50 and have a defined contribution pension, Pension Wise offers pre-booked appointments to talk through your retirement options.

Finally, Citizens Advice has a very useful website for help in dealing with scams. Just check the link https://www.citizensadvice.org.uk/consumer/scams/check-if-something-might-be-a-scam/

If you or someone you know is struggling to pay bills or outstanding debts, Citizens Advice may be able to help. Citizens Advice Sefton telephone service is available: Help To Claim advice line number for help claiming Universal credit is 0800 144 8444. 8am to 6pm. Mon to Fri. For general advice . 0808 278 7841 (freephone) Mon – Fri 9.30am – 4.30pm and text relay for people with hearing impairment: Text relay: 03444 111 445 for people with hearing impairment .The debt number is 0151 318 6407. 9.30 to 4.30 Mon to Fri. Our local website address is- www.https://seftoncab.org.uk/

Citizens Advice Lancashire West telephone is available between 9.00am – 5.00pm Monday to Friday, & 9.00am and 1.00pm Saturdays on Adviceline 0344 245 1294 and Help to Claim line 0800 144 8 444. Their website address is – www.citizensadvicelancashirewest.org.uk

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