Realising you’ve been scammed can be distressing, but acting quickly can reduce the impact and help you regain control. Whether the scam involved financial theft, stolen personal data, or emotional manipulation, following these steps will protect you and limit the damage.

Step 1: Stop the Scammer’s Access

Freeze Your Accounts
If you provided your bank details or payment information, contact your bank or credit card provider immediately. Request a freeze on your accounts to prevent further unauthorised transactions.

Change Your Passwords
If the scam involved your online accounts, update the passwords for those accounts as well as any others using similar login credentials. Ensure the new passwords are strong and unique.

Disconnect Your Device
If you suspect malware or unauthorised access to your device, disconnect it from the internet. Run a full antivirus scan to remove potential threats before reconnecting.

Step 2: Document the Scam

Gather Evidence
Take screenshots of emails, messages, or transaction records related to the scam. Note details like dates, amounts, and the scammer’s contact information.

Save Correspondence
Preserve any communication with the scammer, as it may be useful for reporting the incident to authorities or banks.

Step 3: Report the Scam

Contact Your Bank or Financial Institution
Inform your bank of the scam and ask them to reverse unauthorised charges, where possible. Many banks have dedicated fraud hotlines to assist you or you can dial 159 on your phone to be securely connected to your bank.

Report to Action Fraud
In the UK, report the incident to Action Fraud, the national reporting centre for fraud and cybercrime, either online or by calling 0300 123 2040. This helps authorities track and combat scams.

Forward Suspicious Emails or Texts
Send phishing emails to report@phishing.gov.uk or suspicious text messages to 7726. These services help identify and block scam operations.

Step 4: Monitor and Protect Your Information

Check Your Bank Statements
Review recent transactions for unauthorised charges. Continue monitoring regularly to catch any further fraudulent activity.

Place a Fraud Alert on Your Credit File
Notify credit reporting agencies to flag your credit file. This can prevent scammers from opening new accounts in your name.

Secure Your Identity
If personal details like your National Insurance number or passport were stolen, alert the relevant authorities to protect against identity theft.

Step 5: Educate Yourself and Stay Vigilant

Recognise Common Scams
Take time to learn about scams similar to the one you experienced. Understanding how they work can help you avoid becoming a repeat victim.

Share Your Experience
Discuss the incident with trusted friends or family to raise awareness. Sharing your story may help others avoid falling into the same trap.

How BeScamAware Can Help
The BeScamAware website offers practical advice, resources, and updates on the latest scam tactics. 

Conclusion

Being scammed is a challenging experience, but taking swift action can minimise the damage. By securing your accounts, reporting the incident, and staying informed, you can regain control and protect yourself from future threats. Remember, help is available, and you’re not alone in dealing with this situation.