We use cookies to allow us and selected partners to improve your experience and our advertising. By continuing to browse you consent to our use of cookies as per our policy which also explains how to change your preferences.

Campaigns Safeguard us from scams

Sign to force action on scams

405,288 have signed

The Which? Group comprises Which? Limited, Which? Financial Services and The Consumers’ Association. We will process your details in accordance with our Privacy Notice.

Call on the government to safeguard us from scams

Fraud is now at record levels, with more than five million scams costing Britons a mind-boggling £9bn each year. And while there are sensible steps we can all take to protect ourselves, an unfair burden has been placed on the public. We’re calling on the government, regulators and businesses to do more to safeguard us all from scams.


In 2016 we made a super-complaint to the Payment Systems Regulator (PSR). We asked it to:

– examine whether banks are taking enough responsibility when their customers are defrauded;
– investigate what improvements should be made to the processes, systems and practices firms use to prevent fraud; and
– recommend how financial providers should better protect their customers from fraud.

However, the regulator’s response suggests it has let banks off the hook. Don’t let the fraudsters get away with it – convince the government and the financial regulator to do more to confront scams head-on. Sign the petition now.

Share your scam story

In 2016 we submitted a super-complaint to the financial regulator, demanding banks do more to protect customers who are tricked into sending money to fraudsters. The banks have since made promises but we want action.

We need you to share your scam experiences – this will highlight the magnitude of the problem and pressure banks to tackle it urgently.

Tell us your scams story

Find the most common reported scam in your area

Full data for Scotland and Northern Ireland isn’t yet available. To give you an indication of the most common types of fraud reported in Scotland and Northern Ireland, the graph below shows data collected between 2014-16.

Five tips to spot a scam

1. Contacted out of the blue? If you’re not convinced by a caller’s identity, hang up.
2. Too good to be true? Scams often promise high returns for little financial commitment.
3. Asked to share personal details? Never share your details with someone you don’t know.
4. Pressured to respond quickly? Scammers will try to rush your decision – don’t proceed unless you’re absolutely certain your money will be safe.
5. Spelling mistakes? Scammers can use bad grammar and spelling to ensure only the most vulnerable respond to their messages.

Read more tips on how to spot a scam. And if you’ve spied one, see how to report scams.