Money Saving Expert Martin Lewis on the scam warning signs to look out for and how to protect yourself

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Martin Lewis has revealed the danger signs to look out for and what you can do to protect yourself from scammers.

In the series finale of his hit ITV Money Show, the Money Saving Expert founder warned viewers the “UK is facing an epidemic of scams”.

The financial guru explained we are in a “wild west” of “devious scammers” looking to empty our pockets, and the Advertising Standards Agency doesn’t have the power to combat this “latest threat,” the Mirror Online reports.

After detailing his continued fight to eradicate scam ads promoting products falsely endorsed by celebrities such as himself, Martin explained how you can spot these cons.

“How many of you have seen adverts with me in advertising Bitcoin Traders? There’s no such thing as a Bitcoin tTrader and you can’t ‘get rich quick’ through it,” Martin urged viewers.

“If you see an advert online with a famous face in it, you need to question its legitimacy.”

Also, Martin emotionally recalled the case of a woman who had put the money for her grandchildren, who had recently lost their parents, into a phony Bitcoin platform online.

She said it was all because she “trusted Martin Lewis”.

What are the scam warning signs?



Martin Lewis runs through the danger scam warning signs

These are the warning signs Martin says you should watch out for online, over email, by phone, letter or even text message.

  1. Watch out for search results that say ‘advert’. This means they have paid to be there, so be aware of it and continue scrolling.
  2. HMRC will never text, call or email you about a tax rebate.
  3. Scammers will always try and persuade you that it’s ‘urgent’ and that you should keep it quiet.
  4. If ‘someone from your bank’ contacts you to tell you to move money into another account for security reasons, it’s fake.
  5. If ‘your bank’ contacts you to tell you it is sending a courier to your home to pick up your card because ‘it is fraudulent’, it’s a scam. If in doubt, cut your card up instead.
  6. If your passwords have changed without warning, that’s a danger sign. You can check if your passwords have been compromised using a have I been PWNED tool.
  7. If your post has disappeared, contact the person/company in question.
  8. If your wheelie bin has gone missing, question it.
  9. If you receive an out-of-the blue message that’s full of grammatical errors, be suspicious.
  10. If you notice an unknown product on your credit file, question it.

I’ve been defrauded – can I get my money back?


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“If you made a payment to a scammer in the belief it was a legitimate purchase, you do have rights,” Martin said.

These are the refund guidelines for customers whose banks and building societies are registered on the scheme.

  • If the bank is at fault:  The bank must issue a full refund
  • If no-one is at fault:  A refund will be issued to the customer from a ‘collective’ pot made up of all of the lenders in the scheme.
  • If both parties are to blame:  The customer will be offered a partial refund.
  • If it’s the customer’s fault:  No refund will be issued.

If you think you’ve been wrongly assessed, you are also within your rights to escalate it to the Financial Ombudsman for an impartial review.

For more advice on how to protect yourself from scammers and other financial tips, head to the Money Saving Expert website.



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