Calls to 0800 and 0808 numbers are free from landlines and mobiles. Calls to 03 numbers cost the
same as calls to numbers starting with 01 and 02. Calls to 0845 and 0870 numbers cost 3p per minute, plus your
phone company's access charge. Calls to 0844 and 0843 numbers cost 7p per minute, plus your phone company’s access
Calls may be monitored or recorded for security and training purposes.
PPI refund scams, sometimes called Advance Fee Fraud
Fraudsters will say that you have been mis-sold Payment Protection Insurance (PPI) and you are owed money. They
will tell you that you must make a payment for the funds to be released. This is a scam.
Fraudsters will contact you under the guise of working for authorised claim companies in an attempt to make
their approach seem credible and genuine. They may also claim to be from the Financial Conduct Authority, the
Claims Management Regulator or Ministry of Justice.
They will inform you that you are owed a refund from the mis-selling of PPI. Fraudsters will then ask you to
make a payment to them so that you can access the money. The payment tends to be about 10% of the amount they
claim you are owed.
Scammers will request that payments are made using unusual means; this could include a Ukash voucher, iTunes
gift cards or a Paysafecard. These means are used so that the money transfer cannot be traced.
If you make a payment, fraudsters will often contact you again to request more funds to be
transferred to release the owed payment.
Be wary of unexpected calls, especially if you're asked to make payments or transfer funds
up-front, or to divulge account information. There's no harm in hanging up.
Avoid making any payments to people claiming to be from companies or authorities who contact
you without prior notification. Be extra vigilant when they ask you to use unconventional payment methods.
You can use the Authorised Business Register to check if a claims company is authorised and
legitimate. Be aware that fraudsters will often pretend to be from genuine companies.
Check that any phone calls, text messages or emails are from numbers or addresses registered in
the UK. Avoid contact from overseas numbers.
Regulatory bodies such as the FCA, the Claims Management Regulator or the Ministry of Justice
will never contact members of the public asking for personal banking details or money.