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18th November 2025

Between April and September 2025, Action Fraud has received 2,790 crime reports relating to Winter Fuel Payment scams, with victims reporting losses totalling over £27,000.

Winter Fuel Payments are made automatically, you do not need to do anything. If you receive any text messages about Winter Fuel Payments, it’s a scam.

Not sure if a message is real? Contact the organisation directly using the contact details on their official website, not the number or web address in the message. Your bank (or any other official source) won’t ask you to supply personal information by email or text message.

If you have spotted a suspicious SMS or RCS message, you can report it for FREE by forwarding it to 7726.

If you think you’ve been a victim of fraud, contact your bank immediately and report it to Action Fraud online at actionfraud.police.uk or by calling 0300 123 2040, or call Police Scotland on 101.

13th November 2025

Is your vehicle insurance valid?
This week is #OpDriveInsured – a national road safety operation to highlight the issues of driving with no insurance.

Enforcing the law around insurance is a 24/7 commitment for us. The consequences of being caught without valid insurance can lead to drivers having their vehicle seized and potentially crushed along with a £300 fixed penalty notice and six points. They can also face court and receive a driving ban and an unlimited fine.

Not everyone means to drive uninsured, but life can be busy and small slip-ups can happen. Unfortunately, the consequences will be the same regardless of your intention so a quick check of your policy could save a lot of stress – and expense – in the long run.

Innocent mistakes motorists may be making include;

• Forgotten when your insurance expires? Check your renewal date today.

• Assumed your policy auto-renews? Not all do, and expired payment cards can cause lapses.

• Kept a vehicle off the road without declaring it SORN with the DVLA? Make sure it’s officially off-road.

• Thought fully comprehensive cover lets you drive someone else’s car? It often doesn’t - check your policy first for coverage and any restrictions.

• Using your car for work or deliveries on a social-only policy? You’ll likely need commuting, business or hire-and-reward cover.

Is your vehicle showing as insured on the Motor Insurance Database? Check for free at www.askMID.com

https://www.westmercia.police.uk/news/west-mercia/news/2025/november/pro...

13th November 2025

Whilst Black Friday is nominally a one day event and one of the busiest shopping days of the year, Black Friday “deals” appear in abundance throughout the month of November.

So once again, it does not take long for criminals to seize another opportunity to defraud unsuspecting members of the public of their hard-earned cash. Therefore, just holding back, taking a few minutes to double check the Black Friday bargain is a genuine offer from a genuine retailer, can protect you from joining the increasing number of people who fall victim to these scams.

· In the heat of the moment, it can be hard to tell if it is a bargain or a scam, especially in the run up to Black Friday!

· Criminals may try to trick you into purchasing goods/services that do not exist by advertising them at too good to be true prices.

· Protect your money and information by only using retailers you trust, or authorised sellers named on official websites when shopping for deals online.

· Beware of Phishing emails that appear to come from reputable retailers with “too good to miss” offers, never click on links in emails from unrecognised senders

· Check out the security of the Website by looking for the https:// in the website address and the padlock symbol which should be in the address bar, and not in the body of the site, as confirmation of a website’s security

· Fake websites can copy mainstream online retailers and enticing buyers with unbeatable prices, so always stick with well-known, reputable retailers online and check the URL is for the genuine retailer.

· Some online sellers may be selling counterfeit products at Black Friday prices

· Beware of limited time offers which create a false sense of urgency to get you to act quickly - Take Five before you buy.

· Criminals are making use of Artificial Intelligence – (AI) – more and more , to present much more convincing emails, adverts and fake websites, so check, check and check again

10th November 2025

To be used on our roads electric bikes (electrically assisted pedal cycles EAPCs) must meet specific criteria. To be classified as an electric bike: Pedals must be in motion for the motor assistance to be provided. The motor used must be of no more than 250 watts (maximum continuous rated power).

Electric assistance can only be provided to a maximum of 15.5 mph. The rider must be 14 years of age or over. EAPCs can be ridden anywhere a regular bicycle is permitted, including roads, cycle lanes, and bridleways, but cannot be ridden on pavements (unless specifically designated for cycling).

Modifying an electric bike and not adhering to the above laws can render it illegal for road use and may subject it to motorcycle or moped regulation. Anyone found not adhering to these laws will be dealt with as appropriate.

21st October 2025

Criminals have made use of WhatsApp as a vehicle to defraud unsuspecting victims for several years now. The commonest scam recently has probably been the “Hi, Mum/Dad” message.
Other messages used by opportunist criminals have included FAKE GIVEAWAYS, EXCLUSIVE GROUPS, VERIFCATION CODES and WHATSAPP JOB OFFERS.
The current WhatsApp scam to be wary of is the WHATSAPP GOLD UPGRADE message.
This is a non-existent upgrade supposedly offering enhanced features and security, and may even claim a celebrity endorsement. If you follow the “sign up “message there is then a danger that you will download malware onto your phone, and then the criminals can steal your personal data.
So never click on any links in these suspect messages and you can report a message by selecting it in your conversation and tapping “Report”. Suspect Senders can be reported by opening the chat, click on the sender details and select “Block and Report”
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ASK SILVER
This is a new service offered by GETSAFEONLINE to check any suspect emails or texts.
Just take a screenshot or photo of the suspect message, open Ask Silver - Get Safe Online, then paste the image in the window. This will review the message and provide a report on the validity of the message.
Please feel free to share these messages with any vulnerable friends, relatives or neighbours.
If you have fallen for fraud:
Report it to Action Fraud on 0300 123 2040 or via actionfraud.police.uk
Scam Text messages can be forwarded to 7726 to help phone providers take prompt action and block numbers that generate spam on their networks.
You can also report fraudulent mobile calls by texting 7726 with the word “Call” followed by the fraudster’s phone number.
Scam calls received on WhatsApp can be blocked by opening the chat with the suspect phone number and tap on “Block”.
Forward Fake Emails received to report@phishing.gov.uk
If you think your bank account or personal banking details have been used fraudulently, then use the short phone number - 159 - to contact the Fraud Prevention Department of most major UK banks.