Why you shouldn't pay in advance
If you’re asked to pay a fee upfront before you can receive something, this might be a scam. Especially if it’s out of the blue. Find out what you can do to fight back.
Published on: 3 July 2023
What are payment in advance scams?
Payment in advance scams are when criminals contact you, often over email, by text or through social media, asking you to pay an upfront fee to receive money, a prize, a job, a service or goods that you weren’t expecting. Then, when you pay the fees, you don’t get what you’ve been promised.
Sometimes, scammers will even urge you to pay a little more. They might pretend there are extra administrative fees to cover before they can process your order.
These scammers will use different stories to convince you. They pretend you've won the lottery; they're processing a personal loan application or they're trying to send you something you've ordered.
Whatever it is, once they have your money, you wont hear from them again.
Our partnership with Independent Age
We’re working together to support members over the age of 65 who are at risk of, or have fallen victim to, fraud and scams.
Independent Age can help with a range of issues that can affect people in later life. So if you, or someone you know has lost money, needs emotional support or financial advice, get in touch. You can also download their Scamwise guide.
Stop. Challenge. Protect
We're proud to be supporting the industry fraud awareness campaign Take Five, which encourages you to perfect the art of saying NO to criminals by taking five minutes to Stop, Challenge, Protect.
Criminals are experts at impersonating people, organisations and the police so it can be difficult to spot scam texts, emails and phone calls. However, there are things we can all do to protect ourselves.
Always remember to challenge if someone contacts you asking for your personal or financial information – be direct and say NO. Saying NO can feel uncomfortable but it’s OK to reject, refuse or ignore requests. Only criminals will try to rush or panic you.