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Fraud guide

Friends and family impersonation scams

Top tips to stay safe

Fraudsters send you a message pretending to be your friend or family member.  The message will have a generic opening such as "Hello Mum" or "Hi Dad". They'll claim that they've got a new phone - because theirs has been lost, damaged or stolen and say that they urgently need money to pay for something.

Follow our top five tips to stay safe:

  1. Beware of urgency: scammers often rush you into making decisions by claiming the money is for something urgent.
  2. Contact them directly: if you’re unsure if a text is genuine get in touch with the person who is trying to contact you on their original number.
  3. Tone of voice: consider the language, punctuation, and any emojis used in their messages to determine if it is consistent with their usual manner of communication.
  4. Unique information: if in doubt ask the sender a question that only your friend or family member could answer.
  5. Report scam messages: you can report it by forwarding it to 7726, which is a free reporting service provided by phone operators.

How to spot friends and family impersonation scams

Scammers use different ways to impersonate your friends or family. Here are the most common tactics:

  • Unexpected messages: a message out of the blue from a number that you don’t recognise saying they’re a family member or friend. 
  • Missing detail: be cautious of generic messages that avoid using personal information like names, nicknames or pronouns.
  • Unable to call: there’ll usually be an excuse for why they can’t speak to you at that moment, or if you do speak the line could be bad to hide their voice.

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