Impersonation Scams: Recognising the Threat and Protecting Yourself

Impersonation scams are increasingly common and can be devastating for both individuals and businesses. These scams involve fraudsters posing as trusted organisations such as banks, HMRC, utility companies, or service providers, all with the aim of pressuring victims into handing over their money.

How Do Impersonation Scams Work?

The fraudsters usually make first contact through cold calls, emails, or text messages. They often create a sense of urgency, using tactics such as:

• Issuing fake invoices demanding immediate payment.
• Requesting urgent money transfers for ‘safekeeping’ due to supposed threats to your bank account.
• Threatening fines or legal action if payment is not made promptly.

Because the fraudsters appear to represent reputable organisations and use convincing language and branding, it can be very easy to fall victim to their schemes.

Both private individuals and businesses are common targets, and the sums involved can often be substantial.

Warning Signs of an Impersonation Scam

Here are key signs that you may be dealing with an impersonation scam:

• Unexpected urgent requests for money: Genuine organisations rarely demand immediate payment without prior warning.
• Unfamiliar contact details: Scammers often use fake phone numbers or email addresses that are similar to real ones.
• Pressure tactics: Be wary of anyone who insists you must act immediately.
• Requests to move money: No legitimate organisation will ask you to transfer money to another account ‘for safekeeping’.

What To Do If You Suspect an Impersonation Scam

If you suspect that you have been approached by a scammer:

• Do not engage with the request and do not send any money.
• Verify the contact by using official channels — never use the details provided in the message or call.
• Report the scam to Action Fraud and inform your bank immediately.
• Seek legal support to understand your options for recovering any financial losses.

At SBW Law, we specialise in helping victims of impersonation scams recover from their losses. We offer free claim assessments and work on a no-win, no-fee basis, so you can move forward with confidence.