Protecting you, your data and your money

What are the most common methods used by criminals?

In days gone by, con artists had to put in the legwork, going from door to door. Now it can all be done from the comfort of home – anywhere in the world:

• Emails – mass emails are sent out in the hope that it seems relevant or relatable to one of the recipients. This is called ‘phishing’; the email is the worm-laden hook waiting for a bite. These emails can be made to look like those from genuine companies, to sound as if they’ve come from a friend or be downright rude and attempting blackmail. One thing they’ll likely have in common is they’ll all want your bank details and won’t address you by name.
• Fake websites – sometimes criminals might leave you to stumble upon a fake website by changing the genuine company’s web address by one letter. You may also be directed to a fake website from a ‘phishing’ email, and when you look closely, the web address may be quite similar to the company you think it came from with a slight change to the spelling or for example, using .com instead of .co.uk. Fake websites are typically advertising space that has been bought by a criminal, so you should be wary about clicking on a search result that has 'Ad' next to it.
• Viruses and malware – these are spread by the criminal hoping you’ll click on a link in an email they’ve sent you, so they can connect to your computer. They can either steal passwords and data or they can ‘ransom’ your computer until you pay up.
• Telephone calls – telephone scams tailed off for a while, once criminals realised how much more efficient email and web scams were. But with more people working at home, opportunists realise they’ll get more people answering. And along with calls to landlines, they can call and text your mobile too. If you are unsure, you can end the call and call back on the registered number you have for the company. Do not call back on any alternative numbers provided to you over the phone, and do not give out one time passcodes sent to your mobile phone.

What can we do to avoid getting drawn in?

It’s a horrid default position, but always being suspicious is the main line of defence. Anybody from a real company or organisation will not bat an eyelid at you checking their identity or questioning their credentials, whether by phone or by email. And even then:

• Know who you are talking to before you give out any personal information
• Don’t click on unfamiliar links in emails or download files or software you don’t recognise
• Don’t let anyone rush you or pressure you into making a decision
• Make sure your passwords are strong and secure
• Check the link or website uses an HTTPS connection with a padlock symbol at the start of the address bar
• Update your anti-virus software.

There’s no single fail-safe answer on how to deflect a scam, but anything that can disrupt a fraudster’s flow could be enough to send them on their way. The UK’s national fraud reporting service Action Fraud is very helpful and the Take Five to Stop Fraud campaign has some sound advice:

Stop: Taking a moment to stop and think before parting with your money or information could keep you safe.

Challenge: Could it be fake? It’s OK to reject, refuse or ignore any requests. Only criminals will try to rush or panic you.

Protect: Contact your bank immediately if you think you’ve fallen for a scam, and report it to Action Fraud online or by calling 0300 123 2040.

Find out how to spot a scam and get helpful info with Citizens Advice.

Worried about a scam using Saga’s name? Here’s what to do

If you think a fake website could be pretending to be Saga Savings, check the web address (or URL). The correct web addresses for Saga Savings are www.sagasavings.co.uk and money.saga.co.uk. 

DO NOT share your details on any other website. If you already have and your Saga Savings account is provided by Goldman Sachs, call 0800 028 1701. If it's provided by NatWest, call 0808 160 9555. It’s important you do this immediately.  

Email and call scam 

If you get an email or call from someone you think might be pretending to be from Saga Savings: 

DO NOT provide any personal details 

DO NOT fill in any applications 

DO NOT click on any links 

DO NOT make a payment over the phone or by email 

If you've done any of these and your Saga Savings account is provided by Goldman Sachs, call 0800 028 1701. If it's provided by NatWest, call 0808 160 9555. It’s important you do this immediately. 

Emails from Saga Savings will always end: '@sagasavings.co.uk', '@saga.co.uk' or ‘@money.saga.co.uk’. If you're not sure whether an email is from Saga Savings and your account is provided by Goldman Sachs, call 0800 028 1701. If it's provided by NatWest, call 0808 160 9555.