As scams continue to evolve, 2024 has seen new, sophisticated methods being used by cyber criminals to target individuals and businesses alike. Whether it’s through fake delivery notifications, online shopping scams, or increasingly convincing investment frauds, scammers are working harder than ever to catch people off guard. Staying informed is your first line of defence, so let’s break down some of the biggest scams of 2024 and, most importantly, how you can protect yourself in 2025.
1. How to Protect yourself in 2025 from Online Shopping Scams
With the continued rise of online shopping, cyber criminals are setting up fake websites, counterfeit product listings, and even fraudulent social media adverts to lure unsuspecting buyers. These scams often offer popular items at bargain prices, tricking people into paying for goods that never arrive.
How to Protect Yourself:
Always shop with trusted retailers or verified sellers.
Be cautious of deals that seem “too good to be true.”
Verify websites by checking for “https” in the URL and looking for customer reviews.
Use secure payment methods like credit cards or trusted payment platforms for added protection.
2. Delivery Scams
Fake delivery notifications, often sent via email or text, are becoming increasingly common. These messages claim you have a package waiting for delivery or an issue with a shipment, encouraging you to click on a link to "resolve the problem." The link often leads to a malicious website designed to steal personal details or financial information.
How to Protect Yourself:
Be cautious of unexpected delivery messages, even if they appear to be from trusted companies.
Never click on links in unsolicited emails or texts. Instead, visit the courier’s official website to track packages.
Look for red flags like spelling errors, strange sender email addresses, or urgent language.
3. Investment Scams
Investment scams have surged in 2024, with fraudsters promising high returns through fake schemes involving cryptocurrencies, stocks, or property. Scammers often use convincing websites, fake reviews, and testimonials to create a sense of legitimacy. Victims are encouraged to transfer money quickly, often losing significant amounts before they realise it’s a scam.
How to Protect Yourself:
Always research investment opportunities thoroughly and seek advice from a registered financial advisor.
Be wary of anyone pressuring you to invest quickly or promising "guaranteed" high returns — a classic red flag.
Verify that any financial firms or platforms are regulated by the Financial Conduct Authority (FCA) in the UK.
4. Phishing Emails and Texts
Phishing scams remain one of the most common methods used by cyber criminals to steal personal information. In 2024, these attacks have become more sophisticated, often appearing as genuine communications from banks, delivery companies, or even government bodies.
How to Protect Yourself:
Always double-check the sender's email address or phone number. Legitimate organisations will never ask for sensitive information via email or text.
Avoid clicking on links in unsolicited messages; instead, visit the company’s official website directly.
Enable spam filters on your email account and report suspicious messages to your email provider or Action Fraud.
5. Cost-of-Living and Energy Bill Scams
Scammers are exploiting the ongoing cost-of-living pressures by pretending to offer refunds, discounts, or government support for energy bills. These scams often come in the form of emails or text messages, directing victims to fake websites where their personal and financial details are stolen.
How to Protect Yourself:
Be wary of unsolicited messages offering refunds, rebates, or financial support.
Verify the legitimacy of any offer directly with the organisation or government body involved.
Avoid providing personal information unless you are certain the request is legitimate.
6. WhatsApp and Social Media Scams
Scammers are increasingly using platforms like WhatsApp, Facebook, and Instagram to impersonate family members, friends, or businesses. A common example is the “Hi Mum, I’ve lost my phone” scam, where fraudsters pretend to be a loved one asking for urgent financial help.
How to Protect Yourself:
Always verify messages that come from unfamiliar numbers, even if they claim to be from someone you know.
Avoid sharing personal or financial information through messaging apps.
Report and block any suspicious accounts on social media platforms.
Staying One Step Ahead
The sophistication of scams in 2024 highlights the importance of staying informed and vigilant. By understanding the tactics used by cyber criminals, you can better protect yourself and your loved ones from falling victim to fraud.
How to Protect Yourself in 2025 - What to Do If You’ve Been Scammed
Report It Immediately: Contact your bank if you’ve provided financial details or lost money.
Contact Action Fraud: Report the incident to Action Fraud, the UK’s national fraud reporting centre.
Change Your Passwords: If you suspect your accounts have been compromised, update your passwords immediately.
Stay Informed: Follow trusted sources, like our blog, to stay updated on the latest scams and cyber threats.
By staying alert and taking preventative steps, you can enjoy a safer, scam-free year in 2025.