What is it?

The increase in online shopping has provided criminals with an new opportunity to trick people into paying for goods and services that don’t exist, often advertised via auction sites or social media with images taken from genuine sellers’ to convince you they’re the real deal. Criminals also use cloned websites with slight changes to the URL to trick you into thinking you’re purchasing from a genuine website. They may also ask for payment prior to delivery and send you fake receipts and invoices that appear to be from the payment provider.

Scams include buyers paying deposits for pets that don’t exist, DIY purchases and electronic devices such as games consoles to name a few.

How to spot a potential purchase scam

  1. You’re offered a heavily discounted or considerably cheaper service or product compared to the original genuine worth. The deal sounds too good to be true.
  2. You’re asked to pay by bank transfer instead of using the online platform’s secure payment options
  3. You receive a fake email receipt/invoice that appears to be from the website you’ve purchased from or the payment service used to make your purchase – the email address domain doesn’t match that of the genuine senders.
  4. The website that you’re purchasing from was only launched days/weeks ago

Examples of purchase scams

Social media

Callum bought a laptop advertised at a heavily discounted price compared to the once he’d seen on the official sellers website. Upon contacting the seller, he was told that the offer was for a limited time only therefore if Callum wanted the laptop he needed to pay quickly by bank transfer. Proof of payment was sent to the seller but when Callum asked for a tracking number he received no response. After numerous attemots to contact the seller, Callum searched their  name and came across numerous bad reviews from other people. He never received the laptop.

Fake websites

Mary saw an advert for a blender that was selling at a third of the price that she’d seen it on other sites. The website looked to be very professional and included lots of pictures and details, so Mary proceeded with her purchase, believing she was getting a fantastic deal. Once her purchase was complete, she received a email from the ‘payment provider’ informing her there’d been an issue with her payment and that a refund had been processed. Mary tried the purchase again, but little did she know she was paying a criminal – for the second time.

Tickets

Desperate to secure tickets to a sold-out concert, Nigel posted a message on a forum asking if anyone had tickets. Shortly after he was contacted by someone who had a couple of spare tickets. Nigel was elated. After a number of back and forth conversations Nigel was convinced the tickets were genuine and existed, so he proceeded to make payment by bank transfer. The tickets never materialised and there was no further contact from the seller nor could he be reached.

Pets

After several agonising days of searching, Paula spotted a listing for a puppy on an online auction site. She contacted the seller and not wanting to miss out, she paid a deposit into the account details that the seller provided to secure the purchase. Later that day, Paula received a message from the seller requesting additional payment to cover costs for vaccinations and insurance. Desperate for some companionship, she proceeded to pay the associated fees. After a few days, Paula got back in touch with the seller but didn’t get a response. She tried again on a number of occasions but never heard from the seller again. Subsequently the link that she used to view the puppy disappeared.

If you believe you’ve fallen for a scam, contact your bank immediately on a number you know to be correct, such as the one listed on your statement, their website or on the back of your debit or credit card.

Always remember

Be suspicious of any “too good to be true” offers or prices.


Use the secure payment method recommended by reputable online retailers and auction sites.


Where possible, use a credit card when making purchases over £100 and up to £30,000 as you receive protection under Section 75


Read online reviews to check websites and sellers are genuine, and ask to see high value items in person or via video link, as well as getting copies of the relevant documentation to ensure the seller owns the item


Purchase items made by a major brand from the list of authorised sellers listed on their official website.


Always access the website you’re purchasing from by typing it into your web browser and be wary of clicking on links in unsolicited emails


Always ensure you click ‘log out’ or ‘sign out’ of websites


The introduction of Lucy’s Law makes it illegal for you to purchase pets sold by a third-party seller. If you’re looking for a pet, buy it directly from a breeder or consider adopting from a rescue centre instead