Check out the latest scam alert as Christmas approaches!

Check out the latest scam alert as Christmas approaches!

by Danielle Thompson (December 2020)

THIS week is almost “Christmas time” and everywhere we are encouraged to spend, spend, spend on our family and friends. With the easing of Covid restrictions in the Level 2 area, purchasing is well advanced. At this time, many residents found it necessary to turn to borrowing from pawn shops. Scammers target people who take out cash loans and the average loss due to loan fee fraud is £ 220. Always check that your loan provider is licensed before borrowing. Go to register.fca.org.uk for confirmation before completing the transaction.

On Monday of this week, more phone crooks threatened residents with lawsuits for HMRC “debts”. A phone number that has been reported to me is 02086883978.

Anyone receiving such a call should report it to Action Fraud. Now some general advice for our residents: If you’ve been the target of a scam, or know someone who has, call Action Fraud on 0300 123 2040 or visit www.actionfraud.police.uk. Notify family, friends, neighbors, the local Neighborhood Watch program, etc. If you receive a suspicious flyer or are contacted by someone you think is a con artist, be sure to tell others. Now, some online Christmas shopping tips from Citizens Advice.

Think you’ve found the perfect gift? As of October 2020, 28% of total retail sales were online sales – but the more people who buy online, the more opportunities there are for scammers! Use our 3 top tips to avoid online scams this Christmas …

1. Research the company: Start with an Internet research on the company. Seeing what others are saying can help you tell if it’s legit or not. If it is a registered business, you can search for business details at https://www.gov.uk/get-information-about-a-company.

2. Does it sound too good to be true? If a deal sounds too good to be true, it just might be. This is especially true for “must-have” and sold out products at large retailers.

3. How do they want you to pay? Be careful when a retailer asks you to pay through an unusual way, like iTunes vouchers or cryptocurrency, as those ways are more difficult to track and lack the vital protections you get when paying by debit or credit card. credit, or by a third-party application. like PayPal. Before paying by any means, read the terms and conditions to make sure you know what you are paying for.

If you’ve been scammed online, Citizens Advice #ScamsAction is here to help. Contact us by phone (Monday to Friday 9 a.m. to 5 p.m.) on 0808 250 5050 or via online chat. You can also use our online help tool to identify if this is a scam. Calls are free from mobiles and landlines.

Meanwhile, if you or someone you know is struggling to pay bills or unpaid debts, Citizens Advice can help. The Citizens Advice Sefton telephone service is available: Help to claim advice line number for requesting help Universal credit is 0800 144 8444. From 8 am to 6 pm. from Monday to Friday. For general advice 0344 493 0012. 9.30 at 4.30 a.m. from Monday to Friday. The debt number is 0151 318 6407. 9:30 a.m. to 4:30 p.m. Monday to Friday. Our local website address is- www.https: //seftoncab.org.uk/

The Citizens Advice Lancashire West phone is available from 9:00 a.m. to 5:00 p.m. Monday to Friday, and Saturday from 9:00 a.m. to 1:00 p.m. on the Advice line 0344 245 1294 and the Help to Claim line 0800 144 8 444. Their website address is: www.citizensadvicelancashirewest.org. UK

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