What to do if you have been a victim of fraud

How to protect yourself from fraud

Although fraud comes in many forms, there are some simple steps you can take to protect yourself from the crime.

  1. Do not give any personal information (name, address, bank details, email or phone number) to organisations or people before verifying their credentials.
  2. Many frauds start with a phishing email. Remember that banks and financial institutions will not send you an email asking you to click on a link and confirm your bank details. Do not trust such emails, even if they look genuine. You can always call your bank using the phone number on a genuine piece of correspondence, website (typed directly into the address bar) or the phone book to check if you’re not sure.
  3. Destroy and preferably shred receipts with your card details on and post with your name and address on. Identity fraudsters don’t need much information in order to be able to clone your identity.
  4. Make sure your computer has up-to-date anti-virus software and a firewall installed. Ensure your browser is set to the highest level of security notification and monitoring to prevent malware issues and computer crimes.
  5. Sign-up to Verified by Visa or MasterCard Secure Code whenever you are given the option while shopping online. This involves you registering a password with your card company and adds an additional layer of security to online transactions with signed-up retailers.
  6. If you receive bills, invoices or receipts for things you haven’t bought, or financial institutions you don’t normally deal with contact you about outstanding debts, take action. Your identity may have been stolen.
  7. You should regularly get a copy of your credit file and check it for entries you don’t recognise. Callcredit, Equifax and Experian can all provide your credit file. An identity protection service such as ProtectMyID monitors your Experian credit report and alerts you by email or SMS to potential fraudulent activity. If it is fraud, a dedicated caseworker will help you resolve everything.
  8. Be extremely wary of post, phone calls or emails offering you business deals out of the blue. If an offer seems too good to be true, it probably is. Always question it.
  9. If you have been a victim of fraud, be aware of fraud recovery fraud. This is when fraudsters pretend to be a lawyer or a law enforcement officer and tell you they can help you recover the money you’ve already lost.
  10. If you need advice about fraud or wish to report a scam call the States of Jersey Police on 612612 or email scams500@police.je

Useful organisations

Find out about the organisations that are helping to combat fraud and bring fraudsters to justice.



ActionFraud is the UK’s national fraud and internet crime reporting centre. They provide a central point of contact for information about fraud and financially motivated internet crime.

British Banking Assocation (BBA)


The BBA is the leading association for the UK banking and financial services sector, speaking for 223 banking members from 60 countries on the full range of UK or international banking issues.



Callcredit is a credit reference agency. It combines a comprehensive understanding of the financial services industry’s needs with state-of-the-art technology to develop information solutions.



The Insurance Fraud Bureau runs a free, confidential Cheatline for members of the public to call with information about insurance fraud.

Childnet International


Childnet International’s mission is to work in partnership with others around the world to help make the Internet a great and safe place for children.

CIFAS (UK’s Fraud Prevention Service)


CIFAS is the world’s first not-for-profit fraud prevention data sharing scheme. Following specification by the Home Office under the Serious Crime Act 2007, public authorities are able to join CIFAS and share information reciprocally to prevent fraud. It has 270 members across banking, credit cards, asset finance, retail credit, mail order, insurance, savings and investments, telecommunications, factoring, and share dealing. Members share information about identified frauds in the fight to prevent further fraud.

Jersey Citizens Advice Bureau


Jersey Citizens Advice Bureau consumer service provides free, independent, confidential and impartial advice, championing the rights of individuals and promoting equality and justice for all citizens. Visit www.cab.org.je



Crimestoppers is an independent charity which helps to find criminals and solve crimes across the UK. Anyone can call their phone number, 0800 555 111, anonymously, 24-hours a day, to pass on information about crime. Alternatively, you can send information anonymously via their website, using their Giving Information Form. Callers don’t have to provide any personal information and calls can’t be traced. Many criminals exploit people’s fear to avoid arrest and Crimestoppers is a simple and secure way of bringing criminals to justice, without anybody knowing who the information came from. Rewards are also available and are paid without compromising a caller’s anonymity.



Equifax is a credit reference agency. It provides up-to-date information about people applying for credit to organisations such as banks, building societies, mortgage companies, retailers and mobile phone providers to help them to decide whether or not to give credit. Equifax also makes credit information available to you online.



Experian is the leading global information services company, providing data and analytical tools to clients in more than 65 countries. The company helps businesses to manage credit risk, prevent fraud, target marketing offers and automate decision making. Experian also helps individuals to check their credit report and credit score, and protect against identity theft.

Financial Fraud Action UK


Raises awareness about all types of financial fraud in the UK. The Financial Fraud Action UK website includes information about different types of payment fraud and useful downloads.

Financial Conduct Authority & Scamsmart website

http://www.financialfraudaction.org.uk/ & http://scamsmart.fca.org.uk/

The FCA is an independent body that regulates the financial services industry in the UK.

Get Safe Online


Get Safe Online provides a source of unbiased, user-friendly advice about online safety to UK consumers and micro-businesses, making sure internet users are aware of key risks and have the right information to help protect themselves. Since its inception, it has operated as a joint initiative between HM Government, the Serious Organised Crime Agency (SOCA), and private and public sponsors from the worlds of retail, technology, finance and communications.

ProtectMyID from Experian


ProtectMyID is an identity protection service that monitors your Experian credit report and alerts you to potential fraudulent activity via email or SMS. If you are a victim of identity fraud, a dedicated caseworker will work with you to help you resolve any problems.

Think Jessica


Think Jessica works to raise awareness about scams that use the postal service, also known as ‘mass marketing fraud’. The Think Jessica website has information about how postal scams work, including ‘Jessica’s story’.

UK – Safer Internet Centre


Internet Centre, where you can find e-safety tips, advice and resources to help children and young people stay safe on the internet.

Which? Consumer rights


An expert guide to your consumer rights with free tools and advice for what to do if things go wrong.