You've Been Scammed — Now What?

Call Your Bank. Right Now.

Right now. Use the number on the back of your card — not any number the scammer gave you. Tell them you've been scammed. They can freeze accounts and potentially recall payments made within hours.

Change Your Passwords — Start With Email

Change your email password first — if the scammer has your email, they can reset everything else. Then banking, then social media. Use a different device if possible. Turn on 2FA if you haven't already.

Did the scammer access your accounts or steal money?

🚔 Report to Action Fraud

Call 0300 123 2040 (Mon-Fri, 8am-8pm) or report online at actionfraud.police.uk. Get a crime reference number — you'll need it for insurance and bank claims.

📋 Protect Your Credit

Place a fraud alert with credit agencies (Experian, Equifax, TransUnion). Consider Cifas Protective Registration (0330 100 0180, £25 for 2 years) — it flags any new credit applications in your name so lenders will verify it really you.

💬 Tell Someone

Scammers rely on shame and secrecy. Tell a friend, family member, or support service. You are not stupid. You are not alone. The person who scammed you has practiced on hundreds of people. Talk to Victim Support: 0808 168 9111 (free, 24/7).

🔐 Secure Yourself Going Forward

Turn on 2FA on all accounts. Set up a password manager. Check your credit report for any accounts you didn't open. Monitor your bank statements weekly. Consider freezing your credit if you're worried about identity theft.

You Have Done Everything You Can

Now take a breath. You acted quickly and correctly. Most people don't — they feel ashamed and do nothing. You are stronger than the scammer. You are not defined by this moment.