Helping you stay safe, informed, and supported

If you think you may have been the victim of fraud, it is important to act quickly.

• Contact your bank or card provider immediately.
• Change passwords for online banking, email accounts, and any affected services.
• Stop all communication with the suspected scammer.
• Keep copies of emails, messages, receipts, and any other evidence.
• Tell a trusted family member or friend.
• Report the incident to Action Fraud.

Financial abuse is a form of crime that can affect older and vulnerable adults. Warning signs may include:

• Unexplained withdrawals from bank accounts
• Missing money or valuables
• Unpaid bills despite sufficient income
• Sudden changes to wills or financial arrangements
• Pressure to hand over money or personal details
• Someone taking control of financial decisions without consent

Under the Care Act 2014, financial abuse is recognised as a safeguarding concern, and local authorities have a duty to protect adults at risk.

Modern scams can happen through telephone calls, text messages, emails, social media, dating websites, investment opportunities, and online shopping platforms.

• Never share passwords or security codes.
• Never transfer money because of pressure or urgency.
• Verify unexpected requests independently.
• Be cautious of offers that seem too good to be true.
• Use strong passwords and two-factor authentication.
• Keep devices updated with the latest security software.

Many victims experience shock, anxiety, embarrassment, anger, loss of confidence, and difficulty trusting others. You can help by:

• Listening without judgement.
• Avoiding blame or criticism.
• Offering practical support.
• Encouraging professional guidance.
• Helping with future safeguarding measures.

• Investment Scams
• Romance Scams
• Courier Scams
• Telephone Scams
• Phishing Emails
• Pension Scams

Before sending money or sharing information, ask yourself:

• Do I know this person or organisation?
• Have I independently verified their identity?
• Am I being pressured to act quickly?
• Have I discussed this with someone I trust?
• Does the offer sound unrealistic?

Victims of fraud may have access to support through banking fraud procedures, safeguarding services, adult social care teams, victim support organisations, and police and fraud reporting services. Relevant legislation includes:

• Care Act 2014
• Fraud Act 2006
• Data Protection Act 2018
• Online Safety Act 2023