Here are top 5 tips to help protect you from becoming a victim of fraud during the festive season:
1. Think before you buy
If an offer sounds too good to be true, it probably is. Take the time to research the company and read reviews to ensure it is secure and genuine before you purchase an item. If you are purchasing an item which costs more than £100 and is less than £30,000 you are protected under section 75 of the Consumer Credit Act if you use your credit card. This covers undelivered and faulty goods, as well as flights.
2. Look out for ads on social media
Beware of deals that appear on social media as fraudsters can use this as a method to scam consumers. The goods could be counterfeit, of poor quality or non-existent. Before you buy online ensure the website is genuine.
3. Think before clicking on links in messages
In 2017, Action Fraud warned about criminals targeting consumers through WhatsApp messages the same time retailers are promoting deals – no doubt the same will happen again this year. Do not click on links in unexpected emails, social media or messaging apps.
4. Ensure your software is up to date
Ensure your operating system, anti-virus and internet browser are up to date, not just on your PC, but on all your mobile devices too, before shopping online.
5. Check your contact details are up to date with your bank
Ensure your contact details are up to date as your bank may contact you by text to verify a transaction on your account. They will never ask you to click a link to verify a transaction. While shopping online you may also be sent a one-time passcode (OTP) to verify a transaction is being made by you. Never share this passcode with anyone, not even a bank employee.
The Metropolitan police produced a helpful guide to safe online shopping. Check out their video here.