You've Been Scammed — Now What?

🏦 Call Your Bank

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

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.