Britons now 落ちる 犠牲者 to scams every 12 seconds: Three tricks you need to watch out for this winter

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Britons lost more than half a billion 続けざまに猛撃するs to 犯罪のs through 詐欺 in the first six months of this year, によれば new 人物／姿／数字s.?

犯罪のs stole £580million through 詐欺 によれば a new 報告（する）／憶測 by UK 財政／金融. This 量s to one 窃盗 by fraudsters every 12 seconds.

There was a 2 per cent 減少（する） in 詐欺 instances when compared with the first six months of 2022, but the 量 of 詐欺 happening is still 'far too high' and the numbers are '絶対 staggering,' によれば the 財政上の services 貿易（する） 団体／死体.?

Social マスコミ continues to play a 抱擁する part, with the 報告（する）／憶測 showing that three ４半期/4分の1s of 詐欺 started online. Another 17 per cent started through phone calls and text messages.

Sinster: Britons lost over half a billion 続けざまに猛撃するs to 詐欺 in the first six months of 2023

UK 財政／金融's director of 経済的な 罪，犯罪, Ben Donaldson, called on tech and telecoms companies to do more to 取り組む the scam 疫病／流行性の.?

'We need to see much more 成果／努力 from the social マスコミ and 遠隔通信s 部門s. If we are going to see a real difference we need them to work with us,' he said.?

Paul Davis, director of 詐欺 予防 at TSB, 追加するd: 'It's （疑いを）晴らす from the big spike in 押し進める-支払い（額） 詐欺 事例／患者s that online companies and telecoms 会社／堅いs must 緊急に introduce 対策 to 保護する the public from scams on their 壇・綱領・公約s.'

UK 財政／金融 divided 詐欺 into two 部類s: authorised and unauthorised.

Authorised 詐欺 is when someone is tricked into 支払う／賃金ing money into a scammer's account, or 手渡すing over a password.

In other words, they take some 肉親，親類d of 活動／戦闘 or volunteer （警察などへの）密告，告訴（状） which makes the 詐欺 possible.

Unauthorised 詐欺 言及するs to 事例／患者s where the 犠牲者 is not 直接／まっすぐに 伴う／関わるd, for example 購入（する）s 存在 made on a stolen credit card.

When this happens, banks and credit card companies are 合法的に 強いるd to 保護する them from losses - 反して authorised 詐欺 犠牲者s may find it harder to get their money 支援する.

Within the total 人物／姿／数字 of £580million, unauthorised 詐欺 losses across 支払い（額） cards, remote banking and cheques reached £340.7 million in the first half of 2023, a three per cent 減少（する） compared to the same period in 2022.

The number of unauthorised 詐欺 事例／患者s was 1.26 million, 負かす／撃墜する two per cent on the same period in 2022.

Authorised 詐欺 losses - also known as authorised 押し進める 支払い（額）s or APPs, accounted for £239.3million of total 詐欺, 負かす／撃墜する one per cent compared to the same period in 2022.

But while fraudsters took わずかに いっそう少なく money, the total number of 事例／患者s was up 22 per cent to 116,324 - 示唆するing many more people have been 影響する／感情d.?

The main driver behind this, によれば UK 財政／金融, is 購入（する） scams - where people are tricked into 支払う／賃金ing for goods that never materialise.

Romance scams have also been growing 断固としてやる, with losses up 29 per cent and 事例／患者s by more than a ４半期/4分の1.?

Romance scams are a 特に manipulative form of 詐欺, where 犠牲者s are tricked into believing they are in a 関係 before 存在 asked to send money.

Donaldson said: 'In the first six months of this year ruthless 犯罪のs had already stolen more than half a billion 続けざまに猛撃するs from 犠牲者s through 詐欺.

'In 新規加入 to the 財政上の losses, these 罪，犯罪s often 伴う／関わる callous 巧みな操作 of the 犠牲者 which can 原因（となる） psychological and emotional 害（を与える）.?

'As the UK 財政／金融 報告（する）／憶測 shows, 犯罪のs are ますます using social マスコミ, online 壇・綱領・公約s, texts, phone calls and emails to deceive 犠牲者s into giving up their personal 詳細（に述べる）s and their money.

'The 財政上の services 部門 continues to lead the fight against these awful 罪，犯罪s. We are also 現在／一般に the only 部門 that reimburses 犠牲者s.

'The only way we will 妨げる 詐欺 is if other 部門s do much more to help us を取り引きする the criminality which is ますます taking place on their 壇・綱領・公約s.'

Tricked: Scams are on the rise - and many will be 的d through their 動きやすい phone

Three scams to watch out for 権利 now

分かれて, stockbroker Hargreaves Lansdown has 警告するd of scammers stepping up their attacks in the next few months.

It has said there are three events coming up which fraudsters will try and 偉業／利用する ーするために 反対／詐欺 people out of their hard-earned cash.?

Cost of living 支払い（額）s

Eight million people on means-実験（する）d 利益s will get the next £300 instalment of the cost-of-living 支払い（額）s between 31 October and 19 November. As a result, the Department of Work and 年金s has 警告するd about scams in this area.

These 支払い（額）s will be made automatically, so 利益 claimants don't need to do anything e xtra to get them. However, they may not know this, and scammers are 均衡を保った to cash in.

犯罪のs will send texts and emails, and make phone calls, pretending to be from the DWP or HMRC and asking people to make a （人命などを）奪う，主張する ーするために get the 支払い（額）.?

This will 含む sending personal 詳細（に述べる）s, which can then be used to 抽出する money from them.?

Nobody will legitimately be in touch with you this way, so if you get one of these messages, it's a scam

HMRC scams

Some 12 million people will need to 服従させる／提出する a self-査定／評価 税金 return by the end of January, and unfortunately this also 現在のs an 適切な時期 for scammers.?

HMRC received 130,000 報告（する）／憶測s about 税金 scams in the 12 months to September 2023, and 警告するs that self-査定／評価 season is a 頂点（に達する） time for 詐欺.

These scams typically 伴う／関わる texts, emails and phone calls （人命などを）奪う，主張するing you can get a rebate if you を引き渡す your bank 詳細（に述べる）s ? which then enables the 犯罪のs to siphon off your 基金s.?

Other ありふれた scams 含む messages telling you to update your 税金 詳細（に述べる）s, and one even 脅すs 逮捕（する） for 税金 回避.

If you're worried HMRC is trying to 接触する you, call the self-査定／評価 hotline or go into your Governm ent Gateway account to check. If a phone call or message seems 怪しげな, don't give away any （警察などへの）密告，告訴（状） and instead 接触する HMRC using the 詳細（に述べる）s on its website.?

The run up to Christmas is a lucrative time for scammers who take advantage of the fact that more people (55%) will be shopping online for gifts

Christmas shopping

The Christmas season is an 特に 実りの多い／有益な time for scammers. At Christmas, online shopping rises by a fifth and around 55 per cent of Britons do their Christmas shopping online.

Scams to watch out for 含む the failed 処理／取引 scam, where fraudsters take advantage of the fact you're likely to have bought something online with the biggest retailers, so send emails 説 a 処理／取引 has f ailed and asking for you to resubmit bank 詳細（に述べる）s.?

They may also pretend to be 配達／演説／出産 companies, asking for personal （警察などへの）密告，告訴（状）.

Additionally, 犯罪のs will 的 shoppers by 申し込む／申し出ing unmissable 取引，協定s on the most popular items - but they don't have these items to sell, they just take 支払い（額）s from people and scarper. Others, 一方／合間, step up the sales of 偽のs ? some through websites and others through social マスコミ.

Sarah Coles, 長，率いる of personal 財政／金融 at Hargreaves Lansdown says: 'The combination of all three will see scammers step up their attacks in the next few months, so you need to be on your guard to 保護する yourself and your money.'

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