Combating scams and keeping older people safe

It’s easy to assume we are savvy about fraud and scams and expect that we’ll never be caught out and can spot a scam a mile off. Sadly, scammers are becoming increasingly sophisticated, employing new tactics and methods to gain our trust.

Our older loved ones are particularly at risk, as scammers can seek them out. Unfamiliarity with the online world can also play a part.

If families club together and discuss what to look out for, they can protect their older loved ones from becoming victims. It all lies in knowing the signs to spot. 

Types of fraud and scams to look out for:

Fraud and scams are continuously developing, so it’s important to stay alert and vigilant. Some of these can include:

1. Impersonation Scams
   Scammers pretend to be trusted figures, such as family members or officials, to steal personal information or money. Always verify identities before sharing details.
2. Purchase Scams
   Fake online listings trick victims into paying for non-existent products. Research sellers and use secure payment methods to avoid losses.
3. Investment Scams
   Fraudsters promote fake investment opportunities with promises of high returns. Always consult a financial advisor before investing.
4. Romance Scams
   Scammers build online relationships and ask for money for emergencies. Be cautious of anyone you haven’t met in person who requests funds.
5. Doorstep Scams
   Fraudsters visit homes pretending to be tradespeople or charity workers. Verify their identity before engaging, and don’t feel pressured.
6. Courier Fraud
   Scammers claim to be from banks or the police and ask for cash withdrawals, often sending a courier to collect the money. Legitimate organisations wouldn’t request cash.

How Can You Protect Yourself from Fraud and Scams?

1. Avoid Disclosing Security Details
   Never share personal information like passwords or bank details over the phone or online.
2. Check Authenticity
   Be wary of unsolicited emails or messages; verify the sender’s identity before responding.
3. Contact Organisations Directly
   Use official contact information to confirm any suspicious communications. If somebody rings you and you have doubts over whether they are who they say they are, call them back using the organisation’s official phone number. Use another phone if possible in case they have tapped into and have control over your phone.
4. Challenge Unexpected Requests
   Trust your instincts—if something seems off, verify before acting.
5. Report Scams
   To help protect others, report any suspicious activity to local authorities or organisations like Action Fraud. You can do so here.

Sadly, many scams go unreported due to the victim’s fear of embarrassment. But by being open and honest about scams with your older loved ones, they will feel more compelled to check with you if they ever have any suspicions.

We’d love to hear your suggestions for future topics.

Please write to me at rachel.kershaw@homeinstead.co.uk or by post to Home Instead, Burnley, Northbridge House, Elm Street, BB10 1PD.

Alternatively, you can also call me on 01282 911300.