What to do after a fraudulent phone call
If a scam call rattled you, or worse, if you gave away details or money, acting quickly limits the damage. Here is a clear order of steps and exactly where to report it.
First, protect your money and accounts
If you shared bank details or moved money, contact your bank immediately. In the UK you can dial 159, the free, un-spoofable number that connects you straight to your bank's fraud team, from Stop Scams UK.
Change any passwords or PINs you may have revealed, and ask your bank to watch for unusual activity. The sooner the bank knows, the better your chances of recovering funds.
Report the call to the right authority
In England, Wales and Northern Ireland, report fraud to Action Fraud at reportfraud.police.uk or on 0300 123 2040. In Scotland, report to Police Scotland on 101.
In the Republic of Ireland, report fraud to An Garda Síochána at your local station, and you can flag data and marketing-related abuse to the Data Protection Commission and ComReg.
For spam texts, forward the message to 7726 free of charge so your mobile network can investigate and block the source.
Stop it happening again
Note the number and block it, and be wary, scammers often try the same victim twice. If you are on the electoral roll or share your number widely, expect more attempts.
Going forward, let unknown callers go to voicemail and lean on automatic filtering. Allociao keeps a current list of suspicious and premium-rate ranges and quietly hangs up on them, so the same fraud line can't keep ringing you.
FAQ
What is 159?
A free UK phone number from Stop Scams UK that connects you directly and securely to your bank's fraud team. It cannot be spoofed.
Where do I report a scam call in the UK?
Action Fraud (reportfraud.police.uk / 0300 123 2040) in England, Wales and NI; Police Scotland on 101 in Scotland.
I didn't lose any money, should I still report it?
Yes. Reporting helps authorities and networks track and block fraud lines that target others.