Protect yourself from scams

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Find out how to spot the warning signs of investment, pension and other financial scams." /> <link rel="canonical" href="https://www.fca.org.uk/consumers/protect-yourself-scams" /> <meta property="og:site_name" content="FCA" /> <meta property="og:type" content="article" /> <meta property="og:url" content="https://www.fca.org.uk/consumers/protect-yourself-scams" /> <meta property="og:title" content="Protect yourself from scams" /> <meta property="og:description" content="Scams can be sophisticated, but if it sounds too good to be true, it probably is. Find out how to spot the warning signs of investment, pension and other financial scams. First published: 08/08/2017 Last updated: 12/12/2024 See all updates" /> <meta property="og:updated_time" content="2024-12-12T10:41:34+00:00" /> <meta property="article:published_time" content="2023-02-28T13:39:50+00:00" /> <meta property="article:modified_time" content="2024-12-12T10:41:34+00:00" /> <meta property="funnelback:published-int-date" content="20170808" /> <meta property="funnelback:content-type" content="Consumers" /> <meta property="funnelback:created-date" content="28/02/2023" /> <meta property="funnelback:modified-date" content="12/12/2024" /> <meta property="funnelback:category" content="Consumers,Consumers" /> <meta property="funnelback:published-date" content="2017/08/08" /> <meta property="funnelback:published-year" content="2017" /> <meta property="funnelback:type" content="Consumers,Scams" /> <meta property="funnelback:nid" content="110046" /> <meta property="funnelback:date-of-release-year" content="2023" /> <meta name="twitter:card" content="summary" /> <meta name="twitter:site" content="@TheFCA" /> <meta name="twitter:description" content="Scams can be sophisticated, but if it sounds too good to be true, it probably is. 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header__nav-col"> <div class="row header__nav-search"> <div id="block-fca-funnelback-fca-funnelback-search-box" class="block block-fca-funnelback clearfix col-xs-12 col-md-6 header__nav-search-block"> <section class="fca-funnelback-search-form block block-fca-funnelback block-funnelback-search-block clearfix" data-drupal-selector="fca-funnelback-search-form" id="block-funnelbacksearchblock"> <form action="/consumers/protect-yourself-scams?fca_action=search" method="post" id="fca-funnelback-search-form" accept-charset="UTF-8"> <div class="input-group search-input-group"> <label class="sr-only" for="edit-search-term"> Search </label> <input title="Search" placeholder="Search" class="funnelback-query form-text form-control" data-drupal-selector="edit-search-term" type="text" id="edit-search-term" name="search_term" value="" size="60" maxlength="128" /> <span class="input-group-btn"> <button aria-label="Search" title="Submit" class="form-submit btn--search text-hide button js-form-submit 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class="icon-bar"></span> <span class="icon-bar"></span> <span class="icon-bar"></span> </button> </div> <div class="navbar-collapse collapse" id="navbar-collapse"> <section class="block-tb-megamenu-main-menu"> <div class="tb-megamenu tb-megamenu-main-menu"> <nav aria-labelledby="block-fca-main-menu-menu" id="block-fca-main-menu"> <p class="sr-only" id="block-fca-main-menu-menu">Main navigation</p> <div class="always-show"> <ul class="tb-megamenu-nav nav level-0 items-6 list-inline mega-menu" lang="en-GB"> <li class="first tb-megamenu-item level-1 mega dropdown col-xs-12 col-sm-2 mega-menu__level-one-item mega-menu__about-us"> <a href="/about" class="dropdown-toggle mega-menu__level-one-link" data-drupal-link-system-path="node/98011">About us</a> <div class="megamenu__menu view view-megamenu-block view-id-megamenu_block view-display-id-megamenu_block_contextual dropdown-menu mega-menu__level-two-wrapper"> <div class="view-content"> <div class="container"> <div class="row"> <div class="views-element-container form-group"><div class="megamenu-promo view view-megamenu-promo-content view-id-megamenu_promo_content view-display-id-block js-view-dom-id-4d38d9c1b03b1dd220e2eb021526a8a100e6cf14b1538118355014db1a795c10"> <h3 class="promo-block__title heading__underline">Contact us</h3> <div class="view-content"> <div class="views-row"><div class="promo-block__copy"><p>Get in touch by phone, via our online form, or by post:</p> <p> </p> <p>Financial Conduct Authority<br> 12 Endeavour Square<br> London E20 1JN</p> <p> </p> </div><a href="/contact" class="promo-block__read-more btn btn--arrow-right" aria-label="Contact us - Contact us">Contact us</a></div> </div> </div> </div> <div class="megamenu-categories"> <div class="megamenu-category col-sm-4 col-lg-4"><h4 class="menu__heading heading__underline"><span class="no-link">What we do</span></h4><div class="view view-megamenu-block-items view-id-megamenu_block_items view-display-id-default js-view-dom-id-321503da20afab023d11fe257e4e712bcfd5ca6b262cb1655e0b0cae30baf453"> <div class="view-content"> <div class="item-list"> <ul> <li class="menu--item"><a href="/about/what-we-do/the-fca" hreflang="en">About the FCA</a></li> <li class="menu--item"><a href="/about/what-we-do/enhancing-market-integrity" hreflang="en">Enhancing market integrity</a></li> <li class="menu--item"><a href="/about/how-we-work-menu" hreflang="en">How we work</a></li> <li class="menu--item"><a href="/about/what-we-do/promoting-competition" hreflang="en">Promoting competition</a></li> <li class="menu--item"><a href="/about/what-we-do/protecting-consumers" hreflang="en">Protecting consumers</a></li> </ul> </div> </div> </div> </div> <div class="megamenu-category col-sm-4 col-lg-4"><h4 class="menu__heading heading__underline"><span class="no-link">How we regulate</span></h4><div class="view view-megamenu-block-items view-id-megamenu_block_items view-display-id-default js-view-dom-id-2c23fb95fe400ac2d9cbccbfbd4a2ece0d786aa75e6c32442b17c307b90e431d"> <div class="view-content"> <div class="item-list"> <ul> <li class="menu--item"><a href="/authorisation-menu" hreflang="en">Authorisation</a></li> <li class="menu--item"><a href="/about/how-we-regulate/enforcement" hreflang="en">Enforcement</a></li> <li class="menu--item"><a href="/about/how-we-regulate/handbook" hreflang="en">Handbook of rules and guidance</a></li> <li class="menu--item"><a href="/about/how-we-regulate/international-standards-regulations" hreflang="en">International standards and regulations</a></li> <li class="menu--item"><a href="/about/how-we-regulate/supervision" hreflang="en">Supervision</a></li> </ul> </div> </div> </div> </div> <div class="megamenu-category col-sm-4 col-lg-4"><h4 class="menu__heading heading__underline"><span class="no-link">How we operate</span></h4><div class="view view-megamenu-block-items view-id-megamenu_block_items view-display-id-default js-view-dom-id-0fb9d215e123417fb44228231e4b42ca52bfd602c0e2a8d9fa8f83c3481a7a33"> <div class="view-content"> <div class="item-list"> <ul> <li class="menu--item"><a href="/about/how-we-operate/complain-about-regulators" hreflang="en">Complain about us, the PRA or the Bank of England (the regulators)</a></li> <li class="menu--item"><a href="/about/how-we-operate/corporate-responsibility" hreflang="en">Corporate responsibility</a></li> <li class="menu--item"><a href="/about/how-we-operate/diversity-equity-inclusion" hreflang="en">Diversity, equity and inclusion</a></li> <li class="menu--item"><a href="/about/how-we-operate/environmental-sustainability" hreflang="en">Environmental sustainability</a></li> <li class="menu--item"><a href="/about/how-we-operate/who-work-with" hreflang="en">Who we work with</a></li> </ul> </div> </div> </div> </div> <div class="megamenu-category col-sm-4 col-lg-4"><h4 class="menu__heading heading__underline"><span class="no-link">Who we are</span></h4><div class="view view-megamenu-block-items view-id-megamenu_block_items view-display-id-default js-view-dom-id-2eb864ee56011fb1d701b3e454d2d9cd1ac2e0c330230b9c9b832ae0ea086433"> <div class="view-content"> <div class="item-list"> <ul> <li class="menu--item"><a href="/about/who-we-are/chair" hreflang="en">Chair</a></li> <li class="menu--item"><a href="/about/who-we-are/chief-executive" hreflang="en">Chief Executive</a></li> <li class="menu--item"><a href="/about/who-we-are/committees" hreflang="en">Committees</a></li> <li class="menu--item"><a href="/about/who-we-are/executive-committees" hreflang="en">Executive committees</a></li> <li class="menu--item"><a href="/about/who-we-are/fca-board" hreflang="en">FCA Board</a></li> </ul> </div> </div> </div> </div> <div class="megamenu-category col-sm-4 col-lg-4"><h4 class="menu__heading heading__underline"><span class="no-link">Join us</span></h4><div class="view view-megamenu-block-items view-id-megamenu_block_items view-display-id-default js-view-dom-id-0b962d0698a44382603812bdd97dda2c7823dff17d8a2856a9ee080fab857c8f"> <div class="view-content"> <div class="item-list"> <ul> <li class="menu--item"><a href="/careers-home" hreflang="en">Careers home</a></li> <li class="menu--item"><a href="/careers/early-careers" hreflang="en">Early careers</a></li> <li class="menu--item"><a href="/careers/experienced-professionals" hreflang="en">Experienced professionals</a></li> </ul> </div> </div> </div> </div> </div> <div class="views-element-container form-group"><div class="megamenu-footer view view-megamenu-footer view-id-megamenu_footer view-display-id-block js-view-dom-id-dc53bc76fccbd75fd344937e64f6be5d2f68ded6c62b0a74bd5a6da7279133c2"> </div> </div> <button tabindex="0" aria-label="Close menu link" class="megamenu__close btn--close text-hide hidden-xs js-megamenu-close">Close menu</button> </div> </div> </div> </div> </li> <li class="tb-megamenu-item level-1 mega dropdown col-xs-12 col-sm-2 mega-menu__level-one-item mega-menu__firms"> <a href="/firms" class="dropdown-toggle mega-menu__level-one-link" data-drupal-link-system-path="node/2886">Firms</a> <div class="megamenu__menu view view-megamenu-block view-id-megamenu_block view-display-id-megamenu_block_contextual dropdown-menu mega-menu__level-two-wrapper"> <div class="view-content"> <div class="container"> <div class="row"> <div class="views-element-container form-group"><div class="megamenu-promo view view-megamenu-promo-content view-id-megamenu_promo_content view-display-id-block js-view-dom-id-44e46592f0e8fdeef6e790038145731a72fa0c9b79be457c2570d2d21df1dac0"> <h3 class="promo-block__title heading__underline">Firms overview</h3> <div class="view-content"> <div class="views-row"><div class="promo-block__copy"><p>Go to our dedicated section to see support for firms and our latest policy updates.</p> <p> </p> </div><a href="/firms" class="promo-block__read-more btn btn--arrow-right" aria-label="Firms overview - Find out more">Find out more</a></div> </div> </div> </div> <div class="megamenu-categories"> <div class="megamenu-category col-sm-4 col-lg-4"><h4 class="menu__heading heading__underline"><a href="/firms/authorisation" hreflang="en">Firm authorisation</a></h4><div class="view view-megamenu-block-items view-id-megamenu_block_items view-display-id-default js-view-dom-id-56cc104e3d4c9e6bb6b5ac98e833d69f4dcc1bf3b2163541ccec5cf5fba08642"> <div class="view-content"> <div class="item-list"> <ul> <li class="menu--item"><a href="/firms/authorisation" hreflang="en">Authorisation</a></li> <li class="menu--item"><a href="/firms/authorisation/cancel" hreflang="en">Cancelling an authorisation or registration</a></li> <li class="menu--item"><a href="/firms/check-if-firm-authorised" hreflang="en">Check if a firm is authorised</a></li> <li class="menu--item"><a href="/firms/authorisation/apply" hreflang="en">How to apply for authorisation or registration</a></li> </ul> </div> </div> </div> </div> <div class="megamenu-category col-sm-4 col-lg-4"><h4 class="menu__heading heading__underline"><span class="no-link">Regulated firms</span></h4><div class="megamenu__menu view view-megamenu-block view-id-megamenu_block view-display-id-megamenu_firms_types js-view-dom-id-995de65f29009e9d8be27541c52fae30a1070b4ad27bd88c0e09adc1a5c8f447 dropdown-menu mega-menu__level-two-wrapper"> <div class="view-content"> <div class="container"> <div class="row"> <div class="megamenu-categories"> <div class="item-list firms-types"> <ul> <li class="menu--item"><a href="/firms" hreflang="en">All firms</a></li> <li class="menu--item"><a href="/firms/claims-management-companies" hreflang="en">Claims management companies</a></li> <li class="menu--item"><a href="/firms/consumer-credit" hreflang="en">Consumer credit firms</a></li> <li class="menu--item"><a href="/firms/electronic-money-payment-institutions" hreflang="en">Electronic money and payment institutions</a></li> <li class="menu--item"><a href="/firms/funeral-plan-providers-intermediaries" hreflang="en">Funeral plan providers and intermediaries</a></li> <li class="menu--item"><a href="/firms/innovation" hreflang="en">Innovation Hub</a></li> <li class="menu--item"><a href="/firms/mutual-societies" hreflang="en">Mutual societies</a></li> </ul> </div> </div> <button tabindex="0" aria-label="Close menu link" class="megamenu__close btn--close text-hide hidden-xs js-megamenu-close">Close menu</button> </div> </div> </div> </div> </div> <div class="megamenu-category col-sm-4 col-lg-4"><h4 class="menu__heading heading__underline"><span class="no-link">Tasks for firms</span></h4><div class="view view-megamenu-block-items view-id-megamenu_block_items view-display-id-default js-view-dom-id-668367368ca246a2b2a3cba5e2e871afc4f8d74ee2343c84403e3a0c0f6938b8"> <div class="view-content"> <div class="item-list"> <ul> <li class="menu--item"><a href="/firms/approved-persons" hreflang="en">Approved persons</a></li> <li class="menu--item"><a href="/firms/change-control" hreflang="en">Change in control</a></li> <li class="menu--item"><a href="/firms/fees" hreflang="en">Fees and levies</a></li> <li class="menu--item"><a href="/firms/firm-details" hreflang="en">Keeping your firm's details up to date</a></li> <li class="menu--item"><a href="/firms/appointed-representatives-principals" hreflang="en">Principals and appointed representatives </a></li> </ul> </div> </div> </div> </div> <div class="megamenu-category col-sm-4 col-lg-4"><h4 class="menu__heading heading__underline"><a href="/firms/consumer-duty" hreflang="en">Focus areas</a></h4><div class="view view-megamenu-block-items view-id-megamenu_block_items view-display-id-default js-view-dom-id-3d6ee3f501a43a0dae5660d6a3a5d48a5bdd21a709bdb9d3b88562fd0a37b370"> <div class="view-content"> <div class="item-list"> <ul> <li class="menu--item"><a href="/firms/consumer-duty" hreflang="en">Consumer Duty</a></li> <li class="menu--item"><a href="/firms/cost-living-firm-information" hreflang="en">Cost of living: firm information</a></li> <li class="menu--item"><a href="/firms/cryptoassets-information" hreflang="en">Cryptoassets</a></li> <li class="menu--item"><a href="/firms/access-to-cash" hreflang="en">Helping people access cash</a></li> <li class="menu--item"><a href="/firms/regulatory-framework-reforms" hreflang="en">Regulatory framework reforms</a></li> <li class="menu--item"><a href="/firms/senior-managers-certification-regime" hreflang="en">Senior Managers and Certification Regime </a></li> </ul> </div> </div> </div> </div> </div> <div class="views-element-container form-group"><div class="megamenu-footer view view-megamenu-footer view-id-megamenu_footer view-display-id-block js-view-dom-id-409ccd8f2ad9d6b2546c3012f52068552f6b17e839a76e2bd802db00c4a5c199"> <div class="view-content"> <div style="background-image: url(https://www.fca.org.uk/sites/default/files/styles/no_style/public/media/images/megamenu-banner-consumer-duty-350_78.jpg?itok=5eIJffZC);" 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container-flex"> <div class="copy-highlighted__content"> <h2 class="heading__underline"> <p>Scams can be sophisticated, but if it sounds too good to be true, it probably is. Find out how to spot the warning signs of investment, pension and other financial scams.</p> </h2> </div> <div class="highlighted-consumers__image highlighted-consumers__image-desktop"> <img alt="A woman examines some paperwork. " title="Protect yourself from scams image" src="/sites/default/files/styles/no_style/public/media/images/protect-from-scams.jpg?itok=sa6tWSgP" width="450" height="250" loading="lazy" typeof="foaf:Image" class="img-responsive" /> </div> <div class="highlighted-consumers__image highlighted-consumers__image-mobile"> <img alt="A woman examines some paperwork. " title="Protect yourself from scams image" src="/sites/default/files/styles/no_style/public/media/images/protect-from-scams.jpg?itok=sa6tWSgP" width="450" height="250" loading="lazy" typeof="foaf:Image" class="img-responsive" /> </div> </div> <div class="container" lange="en-GB"> <span class="text-small copy-highlighted__updates">First published: <span class="date">08/08/2017</span></span> <span class="text-small copy-highlighted__updates">Last updated: <span class="date">12/12/2024</span></span> <span class="text-small revisions copy-highlighted__updates"><a href="#revisions">See all updates</a></span> </div> </section> <div class="rhn__on-this-page visible-xs rhn__on-this-page--consumers"> <h3>On this page <img src="/themes/custom/fca/images/document-customers.svg" alt="document icon"></h3> <ul class="nav navbar-nav"><li><a href="#section-spot-the-warning-signs-">Spot the warning signs </a></li><li><a href="#section-check-the-firm-or-individual">Check the firm or individual</a></li><li><a href="#section-how-to-protect-yourself">How to protect yourself</a></li><li><a href="#section-common-financial-scams">Common financial scams</a></li><li><a href="#section-what-to-do-if-you-ve-been-scammed">What to do if you’ve been scammed</a></li></ul> </div> <section id="section-spot-the-warning-signs-" class="copy-block fca-consumers"> <div class="container"> <div class="copy-block__call-out">Beware of scammers pretending to be from the FCA. We’d never ask you to transfer money to us and we’d never ask for your bank account PINs and passwords. Find out <a data-entity-substitution="canonical" data-entity-type="node" data-entity-uuid="53b0bc3d-d8e3-4a86-9601-b83074d8edb3" href="/consumers/fake-fca-communications" title="Fake FCA communications">how to spot fake FCA communications</a>, the tactics scammers use, and methods of contact.</div> <h2>Spot the warning signs</h2> <p>Scams can be difficult to spot. Fraudsters can be convincing and knowledgeable, with websites and materials that look identical to the real thing.</p> <p>But if you’ve been contacted unexpectedly, or are suspicious about a call or text message, make sure you stop and check the warnings signs.</p> <ul> <li><strong>Is it unexpected?</strong> Scammers often call out of the blue. They may also try and contact you via email, text, post, social media, or even in person.</li> <li><strong>Do you feel pressured to act quickly?</strong> Scammers might offer you a bonus or discount if you invest quickly, or they may say the opportunity is only available for a short time.</li> <li><strong>Does the offer sound too good to be true?</strong> Fraudsters often promise tempting rewards, such as high returns on an investment.</li> <li><strong>Is the offer exclusively for you? </strong>Scammers might claim that you’ve been specially chosen for an investment opportunity, and it should be kept a secret.</li> <li><strong>Are they trying to flatter you? </strong>Scammers often try to build a friendship with you to put you at ease.</li> <li><strong>Are you feeling worried or excited? </strong>Fraudsters may try to influence your emotions to get you to act.</li> <li><strong>Are they speaking with authority?</strong> Scammers might claim that they’re authorised and often appear knowledgeable about financial products.</li> </ul> <p>If you answered ‘yes’ to any of these questions, or you’re unsure if a contact is genuine, follow the steps below to protect yourself.</p> </div> </section> <div id="section-check-the-firm-or-individual" class="paragraph paragraph--type--vertical-timeline fca-consumers"> <h2>Check the firm or individual</h2> <ol class="steps"> <li class="step"> <div class="step__number"> 1 </div> <div class="paragraph paragraph--type--vertical-timeline-step fca-consumers"> <h3 class="step__title"> Check if the firm or individual is authorised  </h3> <div class="step__body copy-block fca-consumers"> <p>Almost all financial services firms in the UK <strong>must be authorised or registered by us</strong>. To find out if a firm or individual is authorised, you can check our Financial Services Register:</p> <ul> <li><a href="https://register.fca.org.uk/s/">https://register.fca.org.uk/s/</a></li> </ul> <p>Make sure you always use the website address above to visit the FS Register. Never click on links in emails or on company websites. It could be part of the scam.</p> <p>Check that the firm reference number (FRN) and contact details you’ve been given match the details on the FS Register.</p> <p>If there aren’t any contact details listed on the FS Register, or the firm says they’re out of date, <strong>call us on 0800 111 6768</strong>.</p> <p>Remember, some firms <a data-entity-substitution="canonical" data-entity-type="node" data-entity-uuid="41dd67a1-6618-475f-8910-4e95ec5faae3" href="/consumers/clone-firms-individuals" title="Clone firms and individuals">pretend to be authorised firms</a>, so always use the contact details on the FS Register.</p> </div> </div> </li> <li class="step"> <div class="step__number"> 2 </div> <div class="paragraph paragraph--type--vertical-timeline-step fca-consumers"> <h3 class="step__title"> Contact us </h3> <div class="step__body copy-block fca-consumers"> <p>If you’re struggling to check the details of a financial firm or individual, find out how to <a data-entity-substitution="canonical" data-entity-type="node" data-entity-uuid="532d5ec1-1bf3-4622-8ddb-072620e72331" href="/contact" title="Contact us">contact us</a>.</p> <p>Our team can check the details you’ve been given and tell you if the firm is genuine.</p> </div> </div> </li> </ol> </div> <section id="section-how-to-protect-yourself" class="copy-block fca-consumers"> <div class="container"> <h2>How to protect yourself</h2> <h3>Do: </h3> <ul> <li>treat all unexpected calls, emails and text messages with caution. Don’t assume they’re genuine, even if the person knows some basic information about you</li> <li>hang up on calls and ignore messages if you feel pressured to act quickly. A genuine bank or business won’t mind waiting if you want time to think </li> <li>check your bank account and credit card statements regularly</li> <li>consider getting independent financial advice or guidance before a big financial decision (MoneyHelper has information on <a href="https://www.moneyhelper.org.uk/en/getting-help-and-advice/financial-advisers/choosing-a-financial-adviser">how to find a financial adviser</a>)</li> <li>check overseas regulators if you’re dealing with an overseas firm (you should also check the list of <a href="https://www.iosco.org/investor_protection/?subsection=investor_alerts_portal">scam warnings from overseas regulators</a>)</li> </ul> <h3>Don’t: </h3> <ul> <li>give out your bank account or credit card details unless you’re certain who you’re dealing with </li> <li>share your passwords with anyone (including your social media passwords)</li> <li>give access to your device by downloading software or an app from a source you don’t trust. Scammers may be able to take control of your device and access your bank account</li> </ul> </div> </section> <section id="section-common-financial-scams" class="expandable-content component fca-consumers"> <div class="nav nav-stacked component component--expandable" id="expandable1160026"> <div class="expandable panel component"> <a class="expandable-title collapsed" data-toggle="collapse" href="#expandable1160016" aria-expanded="false"> <p> Common financial scams </p> </a> <div id="expandable1160016" class="collapse"> <div class="expandable-body copy-block"> <p>These common financial scams each have their own warning signs to watch out for.  </p> <ul> <li><a href="/consumers/banking-online-account-scams" data-entity-type="node" data-entity-uuid="41eacd56-571f-469c-a8f3-3cfbc40b50b2" data-entity-substitution="canonical" title="Banking and online account scams">Banking and online account scams </a></li> <li><a href="/consumers/fake-fca-communications/fake-emails-letters-calls" data-entity-type="node" data-entity-uuid="85e5e6d1-93ba-43fc-8c0a-a39ed3975dd2" data-entity-substitution="canonical" title="Fake FCA emails, websites, letters and phone calls">Fake FCA emails, letters and phone calls (phishing) </a></li> <li><a href="/consumers/insurance-warranty-scams" data-entity-type="node" data-entity-uuid="43a6ed88-7bdd-494f-9e37-e22ccdb86f2f" data-entity-substitution="canonical" title="Insurance and warranty scams">Insurance and warranty scams</a> </li> <li><a href="/consumers/loan-fee-fraud" data-entity-type="node" data-entity-uuid="b9a7dd20-573d-4a95-8757-b4546d004701" data-entity-substitution="canonical" title="Loan fee fraud">Loan fee fraud</a> </li> <li><a href="/consumers/money-transfer-scams" data-entity-type="node" data-entity-uuid="afb1e3d4-9e65-4563-bd9f-d47551797af9" data-entity-substitution="canonical" title="Money transfer scams">Money transfer scams</a> </li> <li><a href="/consumers/screen-sharing-scams" data-entity-type="node" data-entity-uuid="3fca8ea0-9d87-42c9-a2f5-c60331486b05" data-entity-substitution="canonical" title="Screen sharing scams">Screen sharing scams</a></li> <li><a href="/consumers/pension-scams" data-entity-type="node" data-entity-uuid="738df83d-648d-4546-a560-5db95c7828f1" data-entity-substitution="canonical" title="Pension scams">Early pension release scams (and other pension scams) </a></li> </ul> </div> </div> </div> <div class="expandable panel component"> <a class="expandable-title collapsed" data-toggle="collapse" href="#expandable1162501" aria-expanded="false"> <p> Common investment scams </p> </a> <div id="expandable1162501" class="collapse"> <div class="expandable-body copy-block"> <p>Find out more about these common investment scams:</p> <ul> <li><a href="/consumers/binary-options-scams" data-entity-type="node" data-entity-uuid="6d5b2c55-db69-497f-951c-3768ee4140cf" data-entity-substitution="canonical" title="Binary options scams">Binary options scams</a></li> <li><a href="/consumers/carbon-credit-trading-scams" data-entity-type="node" data-entity-uuid="47659be0-537d-4606-89d9-546fb48ca6e8" data-entity-substitution="canonical" title="Carbon credit trading scams">Carbon credit trading scams</a></li> <li><a href="/consumers/crypto-investment-scams" data-entity-type="node" data-entity-uuid="af9bdb2f-4d09-4a55-8fc4-e4ed2e310a4d" data-entity-substitution="canonical" title="Crypto investment scams">Cryptoasset investment scams</a></li> <li><a href="/consumers/forex-trading-scams" data-entity-type="node" data-entity-uuid="12466a5e-d2be-4fba-9dc3-98df6972a5a9" data-entity-substitution="canonical" title="Forex trading scams">Forex trading scams</a></li> <li><a href="/consumers/get-rich-quick-ponzi-and-pyramid-schemes" data-entity-type="node" data-entity-uuid="af9279cc-37c2-45ce-ad49-f838f53f1e80" data-entity-substitution="canonical" title="Get-rich-quick, Ponzi and pyramid schemes">Get rich quick, Ponzi and pyramid schemes</a></li> <li><a href="/consumers/land-banking-investment-scams" data-entity-type="node" data-entity-uuid="eb96ff44-68d3-4ed5-8592-052b124f4e8d" data-entity-substitution="canonical" title="Land banking investment scams">Land banking investment scams</a></li> <li><a href="/consumers/online-trading-scams" data-entity-type="node" data-entity-uuid="242a0b74-53cf-4825-a4bf-2106739f6e01" data-entity-substitution="canonical" title="Online trading scams">Online trading scams</a></li> <li><a href="/consumers/recovery-room-scams" data-entity-type="node" data-entity-uuid="54702f89-4ab4-4c85-963a-0a6804bea270" data-entity-substitution="canonical" title="Recovery room scams">Recovery room scams</a></li> <li><a href="/consumers/share-bond-and-boiler-room-scams" data-entity-type="node" data-entity-uuid="337ac058-3f3d-4103-ae66-d63f73cc6400" data-entity-substitution="canonical" title="Share, bond and boiler room scams">Share, bond and boiler room scams</a></li> </ul> </div> </div> </div> <div class="expandable panel component"> <a class="expandable-title collapsed" data-toggle="collapse" href="#expandable1160021" aria-expanded="false"> <p> Unregulated investment scams </p> </a> <div id="expandable1160021" class="collapse"> <div class="expandable-body copy-block"> <p>Investment scams often involve products we don’t regulate. These could include: </p> <ul> <li>bamboo</li> <li>diamonds</li> <li>fine art</li> <li>gold</li> <li>graphene</li> <li>hotels</li> <li>international forestry</li> <li>land for development</li> <li>land overseas</li> <li>overseas agriculture</li> <li>parking</li> <li>precious metals</li> <li>storage</li> <li>student accommodation</li> <li>sustainable energy</li> <li>UK forestry</li> <li>whisky/whiskey</li> <li>wine</li> </ul> <p>But even if the offer isn’t a scam, you should still be cautious about investing in any products we don’t regulate. If you do, you won’t be protected if something goes wrong and you could lose all your money.</p> <p>If you’re contacted unexpectedly about an investment opportunity, use the <a href="/scamsmart" data-entity-type="node" data-entity-uuid="64723630-d274-45a3-bcb4-1e2fbf369d43" data-entity-substitution="canonical" title="ScamSmart">ScamSmart investment checker</a> to avoid scams.</p> </div> </div> </div> </div> </section> <section id="section-what-to-do-if-you-ve-been-scammed" class="copy-block fca-consumers"> <div class="container"> <h2>What to do if you’ve been scammed</h2> <h3>Report it </h3> <p>If you’re worried about a potential scam or you think you may have been contacted by a fraudster, report it to us. This could help prevent others falling victim to the same criminal.</p> <p>Call us on<strong> 0800 111 6768 </strong>or use our <a data-entity-substitution="canonical" data-entity-type="node" data-entity-uuid="532d5ec1-1bf3-4622-8ddb-072620e72331" href="/contact" title="Contact us">contact form</a> to get in touch.</p> <p>For anything we don’t regulate, or if you’ve lost money to a scam, contact Action Fraud on 0300 123 2040 or <a href="https://www.actionfraud.police.uk/">via their website</a>. </p> <h3>Be wary of future scams </h3> <p>It’s important to be extra careful if you’ve already been scammed. Fraudsters could try and target you again, or they may sell your details to other criminals.</p> <p>The new scam might be completely different, or it could be related to the previous scam. For example, you could be contacted with an offer to get your money back or to buy back an investment after you pay a fee. These are known as recovery room scams.</p> <p>If you have any concerns at all about a potential financial scam, <a data-entity-substitution="canonical" data-entity-type="node" data-entity-uuid="532d5ec1-1bf3-4622-8ddb-072620e72331" href="/contact" title="Contact us">contact us immediately</a>.</p> </div> </section> <div class="node_view"></div> <div id="revisions" class="page-revisions container"> <button class="h3 page-revisions__title" aria-expanded="false">Page updates</button> <div class="view view-page-update-revision-logs view-id-page_update_revision_logs view-display-id-revision_log js-view-dom-id-e8396d2cf9fc590e13e8e83fe7bab5e35ab48be8c246a98d52be6036e62bc638"> <div class="view-content"> <div class="views-row"><span class="views-field views-field-changed"><span class="field-content"><time datetime="2024-11-11T14:26:50+00:00">11/11/2024</time> : </span></span><span class="views-field views-field-fca-log"><strong class="field-content">Information added</strong></span><span class="views-field views-field-revision-log"><span class="field-content"> 'fine art' added to unregulated investment scams</span></span></div> <div class="views-row"><span class="views-field views-field-changed"><span class="field-content"><time datetime="2023-08-11T11:44:33+01:00">11/08/2023</time> : </span></span><span class="views-field views-field-fca-log"><strong class="field-content">Information added</strong></span><span class="views-field views-field-revision-log"><span class="field-content"> on fake FCA communications</span></span></div> <div class="views-row"><span class="views-field views-field-changed"><span class="field-content"><time datetime="2023-05-03T19:41:25+01:00">03/05/2023</time> : </span></span><span class="views-field views-field-fca-log"><strong class="field-content">Editorial amendment</strong></span><span class="views-field 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