No one likes to feel that they've wasted or been conned out of their money. Unfortunately, there are plenty of situations in which you can act in good faith but find out you've come off worse from a transaction.


Some things to look out for if you are contacted out of the blue:

- Was the offer unsolicited? Companies shouldn't need to cold call you. Most property repair businesses are kept busy by repeat customers or recommendations.

- Do you have to respond quickly? What's the rush?

- Do you have to pay for a prize or "free" gift?

- Are you being asked to pay an advance fee so that money can be transferred to you?

- Do you have to ring a premium rate number (09)?

- Are you being asked for your bank or credit card details?

- Is the business reluctant to give you its details?

- Are you being asked to keep the offer confidential?

- If you're getting to know someone online, are they asking for personal information while revealing very little about themselves?

Changes to pension rules are also creating new opportunities for scams. Be cautious of anyone approaching you with advice on how to invest your pension. If you're considering claiming your full pension early, it's important to ensure you don't expose your savings to scammers.

Find out about the different types of scams and how to avoid them

What to do if you’re targeted by a scam

If you think you’ve been scammed or that someone has tried to scam you, report it to Action Fraud. You can report the scam online or by calling 0300 123 2040.

If you’re concerned about whether a scheme is legal, contact the Citizens Advice Consumer helpline for advice.

Further information