While the classic "mailbox full" scam is still used, cybercriminals in the UK are using much more sophisticated tactics right now. The latest data shows that phishing remains the most common form of cyber attack across businesses and individuals.
Here are three major scam trends you need to be aware of:
1. Delivery & Parcel Scams (Smishing) 📦
Especially around the busy holiday seasons, fraudulent texts (called Smishing) and emails impersonating major couriers are rampant.
The Scam: You receive an urgent text or email claiming there's an unpaid re-delivery fee (£1-£2), a problem with your address, or customs duty that must be paid immediately to release a parcel.
The Goal: To get your bank card details for the small fee. Once they have those details, they can use them for other fraudulent transactions.
How to Spot It:
The Fee is Fake: Major UK couriers will never charge a re-delivery fee via a text message.
Vague Details: The message rarely includes your name or specific order details (e.g., what you ordered).
Action: If you are expecting a parcel, never click the link. Go to the official courier website or app and use your genuine tracking number to check the status.
2. AI-Powered Impersonation (Deepfakes & BEC) 🤖
Phishing is getting harder to spot because AI tools are eliminating the classic red flags like poor spelling and grammar. This is a huge threat to businesses, but individuals are also at risk.
The Scam: Scammers use AI to craft highly convincing, flawless messages. For businesses, this includes Business Email Compromise (BEC) where they impersonate a CEO, CFO, or a trusted vendor, often with details scraped from LinkedIn or public profiles.
The scammer might even use deepfake voice technology to call an employee, sounding exactly like a senior leader, and demand an urgent, secret bank transfer.
The Goal: High-value fraud, like large bank transfers or the theft of sensitive company data.
How to Spot It:
Verify Out-of-Band: Always verify an unusual or urgent financial request through a secondary method. If your CEO emails asking for a transfer, call them on their known phone number to confirm—don't reply to the email.
Question the Urgency: Scammers rely on panic. Any request for an immediate, large, or unusual transfer should be a major warning sign.
3. HMRC & Government Refund Scams 💰
These scams are perennial but remain highly effective, often peaking around tax deadlines.
The Scam: You receive an email or text claiming you are entitled to a tax refund or rebate from HMRC and must click a link to input your details to claim the money.
The Goal: To steal your financial and personal information, which is then used for identity theft.
How to Spot It:
HMRC's Rule: HMRC will never notify you of a tax rebate or ask for personal details via email, text message, or WhatsApp. They will always use official correspondence (like a letter) first, or tell you to check your Government Gateway account.
Suspicious Phone Calls: Be wary of automated calls threatening a lawsuit or arrest over unpaid tax—these are aggressive scams designed to scare you into making an immediate payment (often via gift cards or bank transfer, which HMRC would never request).
What to Do: Remember the Reporting Numbers
You did exactly the right thing with your suspicious email. Keep these essential UK reporting contacts handy:
| Type of Scam | What to Do | Reporting Contact |
| Suspicious Email | Forward it. DO NOT click any links. | report@phishing.gov.uk |
| Suspicious Text (Smishing) | Forward the whole message. | 7726 (Free service) |
| Lost Money or Hacked | Report the crime immediately. | Action Fraud (England/Wales) or Police Scotland (Scotland) |
Reporting Fraud and Cyber Crime in the UK
The service for reporting fraud and cyber crime in England, Wales, and Northern Ireland has been transitioning from Action Fraud to a new service called Report Fraud.
For England, Wales, and Northern Ireland:
Online: Visit the new service at
.reportfraud.police.uk Phone: Call 0300 123 2040.
Note: All traffic to the old Action Fraud website is automatically redirecting to the new Report Fraud service.
For Scotland:
Continue to report to Police Scotland by calling 101.
If you or someone else is in immediate danger or risk of harm, always dial 999.
What to do if you have suspicious messages or websites:
Suspicious Emails: Forward them to the Suspicious Email Reporting Service (SERS): report@phishing.gov.uk.
Suspicious Text Messages: Forward them free of charge to 7726.
Suspicious Phone Calls: You can report scam call numbers free of charge by texting 7726 with the word 'Call' followed by the scam caller's number.
Suspicious Websites: You can report a scam website to the National Cyber Security Centre (NCSC) directly to help them investigate and remove it.
