Protecting yourself against fraud
Fraud is on the rise, with more and more scams coming to light each day, so it is vital that you know how to protect yourself. Whether it’s your personal data or your money, there’s lots you can do to make sure yourself and your family are protected.
Winter fuel payments scam texts
Be aware, criminals are continuing to impersonate the Government’s Department for Work and Pensions (DWP), sending out texts urging people to ‘apply’ for their Winter Fuel Payments.
They might even ask for a small money transfer to ‘check’ your payment card is working. This is a scam therefore please do not click on the link or share your personal or financial information. Report it as junk and delete the message immediately.
Head to the legitimate Government’s website for more information on the Winter Fuel Payment changes. Contact your bank immediately if you think you’ve been scammed.

Identity theft
Identity theft is one of the most common scams in the UK.
It happens when fraudsters access enough information about someone’s identity (such as their name, date of birth, current or previous addresses) to commit identity fraud. Identity theft can take place whether the fraud victim is alive or deceased.
Stealing an individual’s identity details does not, on its own, constitute identity fraud. But using that identity for any of the following activities does:
- Open bank accounts.
- Obtain credit cards, loans and state benefits.
- Order goods in your name.
- Take over your existing accounts.
- Take out mobile phone contracts.
- Obtain genuine documents such as passports and driving licences in your name.
How to spot fraud
The first you know of it may be when you receive bills or invoices for things you haven’t ordered, or when you receive letters from debt collectors for debts that aren’t yours. If you’re a victim of identity theft, it can lead to fraud that can have a direct impact on your personal finances and could also make it difficult for you to obtain loans, credit cards or a mortgage until the matter is resolved.
Check your credit report
You should check your credit report regularly, and you can also set up a credit report checking service to alert you to any key changes on your credit file that could indicate potential fraudulent activity with the following agencies:
