I've Been Scammed — What to Do Now

Stay calm. Follow these steps to protect your money, accounts and evidence.

Do These First (Next 30 Minutes)

• 1. Call your bank using the number on the back of your card or their official app/website.
• 2. Do not click any more links or reply to messages from the scammer.
• 3. Take screenshots of messages, emails, apps and transaction screens.
• 4. Write down times, numbers, names and what you were told.

Step-by-Step: What to Do After a Scam

1. 1. Stop contact — Block the number/email; don't engage further.
2. 2. Contact your bank — Explain it's fraud; ask them to freeze/monitor accounts and reverse any payments if possible.
3. 3. Report to Action Fraud — Use the online form or call 0300 123 2040; get a reference number.
4. 4. Report phishing texts/emails — Forward texts to 7726; email phishing to [email protected].
5. 5. Secure your accounts — Change passwords, enable 2FA, check for unfamiliar logins.
6. 6. Watch for follow-up scams — Ignore anyone claiming they can "recover" your money for a fee.

Gather This Evidence

• Screenshots of chats, emails, social media profiles
• Transaction details (date, amount, recipient, reference)
• URLs, phone numbers, app names
• Any documents or invoices they sent

Where to Report in the UK

Next: Recovery Guides

Feeling Overwhelmed?

Being scammed is stressful and not your fault. If you're struggling, consider talking to someone you trust or a support service. See our emotional support resources →

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