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         Recognising a scam                                   should do.  If you haven’t been scammed but
         It might be a scam if:                               you’ve seen something you think is a scam,
                                                              you should report it.
         —  it seems too good to be true – for example,
           a holiday that’s much cheaper than you’d           If you think someone is calling to trick you into
           expect                                             giving them money or your personal details,
                                                              hang up and call 159. This is a secure service
         —  someone you don’t know contacts you               that connects you directly with your bank. See
           unexpectedly                                       page 18 for more details of 159.

         —  you suspect you’re not dealing with a real        Calls to 159 are usually charged at the
           company – for example, if there’s no postal        national rate - it depends on your provider.
           address
                                                              Protecting yourself online
         — you’ve been asked to transfer money quickly
                                                              There are things you can do to protect yourself
         —  you’ve been asked to pay in an unusual            from being scammed online.
           way – for example, by iTunes vouchers or
           through a transfer service like MoneyGram          Check the signs of fake online shops
           or Western Union                                   You can search for a company’s details
                                                              on GOV.UK. This will tell you if they’re a
         —  you’ve been asked to give away personal           registered company or not.
           information like passwords or PINs
                                                              If you’re buying something on a site you
         —  you haven’t had written confirmation of           haven’t used before, spend a few minutes
           what’s been agreed                                 checking it – start by finding its terms and
                                                              conditions. The company’s address should
         If you think you’ve paid too much for                have a street name, not just a post office box.
         something
         Paying more for something than you think             Check to see what people have said about
         it’s worth isn’t the same as being scammed.          the company. It’s worth looking for reviews on
         Usually, a scam will involve theft or fraud. You     different websites – don’t rely on reviews the
         have other rights if you think you’ve overpaid.      company has put on its own website.


         If you think you’ve spotted a scam                   Also, don’t rely on seeing a padlock in the
         If you’ve given away money or information            address bar of your browser - this doesn’t
         because of a scam, there are things you                                                             






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