Ingram Toft's Blog - Claims Management Company
Ingram Toft's Blog - Claims Management Company

Unaffordable Loans from Irresponsible Lenders

We at Ingram Toft believe that an unaffordable loan is one that a borrower cannot make repayments to without having difficulties such as paying them on time while meeting other commitments or without having to borrow to make the repayments. We take a firm stand against these irresponsible lenders to help you get compensated and/or refunded.
By Ruth Idemudia April 30, 2025
Scam-Proof Your Inbox: 10 Essential Tips to Spot Phishing Emails in the UK  Introduction Have you ever opened an email that looked just real enough to trick you? With phishing scams in the UK rising by 84% in the past year, fraudsters are getting scarily good at impersonating banks, delivery services, and even government agencies. One wrong click could lead to stolen passwords, drained accounts, or malware infections. But don’t panic—you can fight back. This guide will show you how to spot scam emails , set up multi-factor authentication (MFA) , and report fraud to Action Fraud UK . By the end, you’ll be a phishing-detection pro! Keep reading to lock down your inbox and stay safe from cybercriminals. 1. How to Spot a Phishing Email (UK Scams Edition) Scammers prey on urgency and fear. Here’s what to watch for: ✅ Suspicious sender addresses (e.g., " support@amaz0n.co.uk " instead of "amazon.co.uk") ✅ Urgent threats ("Your account will be suspended in 24 hours!") ✅ Strange links or attachments (Hover to check the URL before clicking) ✅ Bad grammar & spelling (Legitimate companies proofread emails) 📸 [Insert screenshot of a fake Royal Mail scam email] 2. Top 5 UK Phishing Scams Right Now These cons are flooding British inboxes: "HMRC Tax Refund" Scams – Fake rebate offers with malicious links. "Parcel Delivery" Frauds – Fake DHL/Royal Mail tracking alerts. "Bank Security Alert" Hoaxes – Urgent "suspicious activity" warnings. "Netflix Payment Failed" Emails – Stealing credit card details. "Energy Bill Discount" Traps – Ofgem impersonation scams. 💡 Pro Tip: Always verify by contacting the company directly—never via the email’s link. 3. How to Set Up Multi-Factor Authentication (MFA) MFA adds a second layer of security , stopping hackers even if they get your password. Step-by-Step MFA Setup for Major UK Services: 🔒 Gmail : *Settings > Security > 2-Step Verification* 🔒 Microsoft/Outlook : Account Security > Additional Security Options 🔒 UK Banks (e.g., Barclays, HSBC) : Use their app’s built-in MFA 📹 [Insert short GIF/video showing MFA setup] 4. What to Do If You Clicked a Scam Link Act fast! Follow these steps: Disconnect from the internet (Stop malware from spreading). Change passwords (Especially for banking/email). Scan for viruses (Use Malwarebytes or Windows Defender). Report to Action Fraud UK ( www.actionfraud.police.uk ). 5. How to Report Phishing Emails in the UK Forward scam emails to: report@phishing.gov.uk (National Cyber Security Centre) Your email provider (e.g., Gmail’s "Report Phishing" option) 📸 [Insert screenshot of Action Fraud reporting process] FAQs: UK Phishing Scams Q: Can scammers fake a sender’s name? A: Yes! Always check the full email address , not just the display name. Q: Do UK banks ever email links? A: Rarely. They’ll usually ask you to log in via their official app/website . Q: Is texting "STOP" to scam texts effective? A: No—it confirms your number is active. Block & report instead. Conclusion: Stay One Step Ahead of Scammers Phishing scams are evolving, but with vigilance, MFA, and quick reporting , you can protect yourself. 🚨 Take action today: ✔️ Bookmark this guide for quick reference. ✔️ Enable MFA on all critical accounts. ✔️ Share with friends & family —scammers target the vulnerable. Got a suspicious email? Drop it in the comments below, and we’ll help verify it!
By Ruth Idemudia April 30, 2025
Love Bombed and Broke: 5 Shocking Signs You’re Talking to a Romance Scammer (UK Victims Share Their Stories) Introduction Have you ever met someone online who seemed too perfect? Swept you off your feet with grand gestures, only to vanish—along with your money? Romance scams in the UK are skyrocketing, with victims losing £92 million in 2023 alone (UK Finance). These criminals use emotional manipulation, fake identities, and "love bombing" to exploit trust. In this eye-opening post, we dive into real UK romance scam case studies , expose the top red flags , and share expert tips to verify online identities before it’s too late. Whether you’re dating online or know someone who is, this guide could save you from heartbreak and financial disaster. Keep reading to uncover the tactics scammers use—and how to fight back. 1. How Romance Scammers Operate in the UK The "Love Bombing" Trap : Overwhelming affection to fast-track trust. Fake Identities : Stolen photos, fabricated careers, and elaborate backstories. The Financial Hook : Emergency sob stories (e.g., medical bills, stranded abroad). 2. Real UK Victim Case Studies Case 1 : Sarah, 42, lost £50k to a "US soldier" who needed visa funds. Case 2 : James, 58, catfished by a woman who "loved" his crypto investments. 3. 5 Red Flags You’re Being Scammed 🚩 They refuse video calls (always "camera broken"). 🚩 Their profile has few friends/photos (likely stolen). 🚩 They ask for money (even "small loans"). 🚩 They avoid meeting in person (endless excuses). 🚩 Their stories don’t add up (job inconsistencies). 4. How to Verify an Online Love Interest (Actionable tips) Reverse image search (find stolen photos). Check social media footprints (LinkedIn, Facebook). Ask specific questions (scammers script responses). 5. What to Do If You’ve Been Scammed Report to Action Fraud UK . Contact your bank immediately . Seek support (e.g., Victim Support UK). Conclusion Romance scammers prey on loneliness and hope—but knowledge is your best defense. By spotting love bombing , fake identities, and financial demands early, you can protect your heart and wallet. Think you’ve encountered a scammer? Share your story in the comments to warn others, or bookmark this guide to stay safe.
By Ruth Idemudia April 30, 2025
Is the IRS Ready for AI Tax Fraud? Critical Lessons for HMRC Introduction Tax fraud is evolving at an unprecedented pace, with AI-powered scams threatening to overwhelm even the most advanced tax systems. The IRS has faced increasing challenges in detecting sophisticated AI-generated fraud—so what does this mean for HMRC? As cybercriminals leverage deepfake identities, falsified documents, and automated fraud schemes, the UK’s tax authority must act swiftly to close security gaps. HMRC’s current systems, including GOV.UK Verify , may not be fully equipped to handle AI-driven threats. With tax fraud costing the UK billions annually, the need for AI fraud detection , real-time verification , and enhanced document security has never been more urgent. Could HMRC be the next target of large-scale AI tax fraud? Keep reading to uncover the gaps in the UK’s tax security and the tech upgrades needed to stay ahead of cyber criminals. 1. The Rising Threat of AI-Powered Tax Fraud AI is a double-edged sword—while it can enhance fraud detection, criminals are using it to: Generate fake identities using deepfake technology. Automate fraudulent tax refund claims . Manipulate voice and video verification systems . Case Study: The IRS reported a surge in AI-generated phishing scams, with criminals impersonating taxpayers and tax professionals. Could HMRC face similar attacks? 2. Gaps in HMRC’s Current Fraud Detection Systems HMRC relies on GOV.UK Verify and manual checks, but these may not be enough: ✅ Pros: Basic identity verification. ❌ Cons: Limited AI-driven anomaly detection . Slow response to emerging fraud tactics . No real-time document authentication . Key Weakness: Without AI-powered fraud analysis, HMRC risks falling behind cybercriminals. 3. Tech Upgrades HMRC Needs to Implement To combat AI fraud, HMRC should adopt: ✔ AI Fraud Detection Algorithms – Machine learning to flag suspicious patterns. ✔ Blockchain for Tax Documents – Immutable records to prevent forgery. ✔ Biometric Verification – Facial recognition & voice authentication. ✔ Automated Real-Time Audits – Instant fraud alerts for unusual claims. Example: The Estonian tax system uses AI to detect fraud with 98% accuracy —could the UK follow suit? 4. Lessons from the IRS: What HMRC Can Learn The IRS has invested heavily in AI fraud prevention, including: AI-Powered Risk Scoring – Flagging high-risk returns automatically. Enhanced Data Encryption – Securing taxpayer information. Collaboration with Tech Firms – Leveraging private-sector AI tools. Question: Should HMRC partner with UK fintech firms to strengthen its defenses?  5. The Future of Tax Security: AI vs. AI As fraudsters refine their tactics, HMRC must: 🔹 Continuously update AI detection models. 🔹 Educate taxpayers on AI scams. 🔹 Integrate cross-agency data sharing for faster fraud identification. Prediction: By 2026, AI-driven tax fraud could cost the UK £3 billion+ annually if HMRC doesn’t act now. Conclusion: Is HMRC Prepared for the AI Fraud Wave? AI tax fraud is no longer a future threat—it’s happening now. While the IRS is ramping up defenses, HMRC must urgently invest in AI fraud detection, real-time verification, and blockchain security to protect taxpayers. 🚀 Ready to Learn More? Stay ahead of tax fraud trends—subscribe for the latest updates on HMRC’s tech upgrades! 💬 What’s your take? Should HMRC prioritize AI fraud prevention? Comment below!
By Ruth Idemudia April 30, 2025
Why Smart People Still Fall for Online Scams: The Psychology Behind Fraud  Introduction You consider yourself savvy online—so how could you ever fall for a scam? Yet, in 2023 alone, UK consumers lost over £1.2 billion to fraud, with even highly educated individuals falling victim. Scammers don’t just rely on ignorance; they exploit deep-rooted psychological triggers —urgency, authority mimicry, and social proof—to bypass our critical thinking. In this article, we’ll explore: ✔ Why intelligence doesn’t always protect you ✔ The 3 most powerful psychological scams (and real UK examples) ✔ How to build "healthy skepticism" without becoming paranoid Keep reading to uncover how fraudsters manipulate even the sharpest minds—and how to stay safe. 1. The Myth: "Only Gullible People Get Scammed" Many assume scams only work on the elderly or less tech-savvy. But research from UK Finance shows that: 54% of scam victims are under 45. 1 in 3 professionals have clicked on phishing links at work. Why? Scammers don’t target ignorance—they exploit cognitive biases (mental shortcuts we all use). 2. The 3 Psychological Tricks Scammers Use 🟠 Trick #1: Urgency & Fear ("Act Now or Lose Out!") Scammers create panic to shut down rational thinking. 🔹 Example: A fake "HMRC tax arrest warrant" email threatens legal action unless you "pay immediately." 🔹 Why it works: Fear triggers the amygdala hijack , overriding logic. ✅ Defence: Pause. Legitimate organisations won’t pressure you. Verify via official channels. 🟠 Trick #2: Authority Mimicry ("This is Your Bank Calling") Fraudsters impersonate trusted entities—banks, police, even tech support. 🔹 Example: A caller ID-spoofed "bank fraud alert" asks for your PIN to "secure your account." 🔹 Why it works: We’re hardwired to obey authority (Milgram Experiment). ✅ Defence: Hang up and call back using a verified number (e.g., from your card). 🟠 Trick #3: Social Proof ("Thousands Love This Crypto Opportunity!") Fake testimonials and "limited slots" create false credibility. 🔹 Example: A LinkedIn "investment guru" shows fake profit screenshots. 🔹 Why it works: Herd mentality —if others trust it, we do too. ✅ Defence: Research independently. If it’s too good to be true, it is. 3. How to Build "Healthy Skepticism" 🔒 Verify First, Trust Later For emails: Check sender addresses (e.g., " service@amaz0n.com " vs. "amazon.co.uk"). For calls: Banks never ask for full passwords over the phone. 🔒 Slow Down Scammers rush you. Legitimate businesses give you time. 🔒 Use Official Channels Instead of clicking links, go directly to the company’s website. Conclusion: Stay Alert, Not Anxious Even smart people get scammed because fraudsters exploit human psychology , not just ignorance. By recognizing urgency traps, authority mimicry, and social proof , you can spot scams before they strike. 🚀 Next Step: Bookmark Action Fraud UK ( www.actionfraud.police.uk ) for scam alerts. 💬 Over to You: Have you ever spotted a scam last minute? Share your story below!
By Ruth Idemudia April 30, 2025
Why Online Scams Still Exist in the UK (And What You Can Do to Stay Safe)  Introduction Did you know that over 40 million UK adults have been targeted by scams in the past year? Despite widespread awareness campaigns, online fraud continues to rise, costing victims billions of pounds annually . But why do scams still thrive when we know so much about them? In this article, we’ll explore the latest UK scam statistics , uncover the psychological tricks scammers use, and explain why education alone isn’t enough to stop them. By the end, you’ll learn how to spot scams faster and protect yourself from evolving threats. Keep reading to discover why scams persist—and what you can do to fight back. 1. The Shocking Rise of UK Online Scams (2024 Statistics) £2.3 billion lost to fraud in 2023 (UK Finance). 75% of Brits have encountered a scam attempt (Ofcom). Phishing emails remain the #1 scam tactic (National Cyber Security Centre). Why Are Scams Increasing? AI-powered scams (deepfake voice calls, AI-generated phishing emails). Cost-of-living crisis making people more vulnerable to "too good to be true" offers. Social media fraud (fake investment schemes, romance scams). 2. The Psychology Behind Scams: Why Even Smart People Fall Victim Scammers exploit human psychology —not just ignorance. Here’s how: A. Urgency & Fear Tactics "Your account will be locked in 24 hours!" "You owe HMRC £1,000—pay now or face legal action!" B. Authority & Trust Manipulation Fake bank calls, impersonated government agencies. Fraudsters posing as tech support or Amazon representatives. C. Social Proof & Greed "Thousands are making money with this crypto scheme!" "You’ve won a prize—claim it now!" 3. Why Education Alone Isn’t Enough to Stop Scams While awareness helps, scammers adapt faster than defences improve : New scam tactics emerge daily (AI voice cloning, QR code fraud). Victim shaming discourages reporting (many stay silent out of embarrassment). Weak enforcement —only 1% of fraud cases lead to prosecution (Action Fraud). What Needs to Change? ✅ Stronger regulations (banning SIM farms used by fraudsters). ✅ Banks & tech companies must improve fraud detection . ✅ Public reporting must be easier & less stigmatized . 4. How to Protect Yourself from Online Scams in 2024 A. Red Flags to Watch For 🚩 Unsolicited calls/messages asking for personal details. 🚩 Pressure to act immediately. 🚩 Requests for payment via gift cards or crypto. B. Proactive Safety Measures ✔ Enable two-factor authentication (2FA) on all accounts. ✔ Verify unexpected messages by contacting the company directly. ✔ Use a password manager to avoid phishing traps. C. Where to Report Scams in the UK Action Fraud (UK’s national reporting centre). Scamwatch (National Cyber Security Centre) . Your bank’s fraud team . Conclusion: Staying One Step Ahead of Scammers Online scams aren’t going away—but by understanding their tactics and adopting stronger security habits , you can reduce your risk significantly . Have you encountered a scam? Share your experience in the comments to help others stay alert! 🔒 Want more tips? Download our free [UK Scam Prevention Guide] today!
By Ruth Idemudia April 30, 2025
10 Must-Know Online Scam Prevention Tips to Protect Your Money & Data (Act Now!) Introduction Have you ever received a suspicious email asking for your password or a too-good-to-be-true offer from a stranger online? You're not alone— millions fall victim to scams every year , losing billions to fraudsters. With cybercrime on the rise, protecting yourself has never been more critical. In this guide, you’ll discover 10 proven strategies to avoid scams , from enabling Multi-Factor Authentication (MFA) to spotting fake profiles with reverse-image searches. Whether you're shopping online, dating, or managing finances, these tips could save you from financial disaster. Keep reading to learn how to outsmart scammers and secure your digital life! 1. Enable Multi-Factor Authentication (MFA) for Extra Security Why it works : MFA adds an extra layer of protection beyond passwords. How to set it up : Use apps like Google Authenticator or Authy instead of SMS (SIM-swapping risk). 2. Reverse-Image Search Suspicious Profiles Scam alert : Many romance/fake seller scams use stolen photos. Quick tip : Right-click an image and search with Google Lens or TinEye. 3. Never Pay via Gift Cards or Crypto Red flag : Legit businesses won’t demand payment in untraceable methods. Common scams : IRS impersonators, tech support fraud, and fake sellers. 4. Recognize Phishing Emails & Texts Warning signs : Urgent language, typos, and mismatched sender addresses. Example : "Your account will be suspended unless you click NOW!" 5. Verify Websites Before Entering Data Check for : "HTTPS," a padlock icon, and domain age (use WhoIs). Avoid : Sites with deals that seem unreal (e.g., 90% off luxury items). 6. Use a Password Manager Benefit : Creates and stores strong, unique passwords for every account. Top picks : Bitwarden, 1Password, or Dashlane. 7. Monitor Your Accounts Regularly Action step : Set up bank/credit alerts for unusual transactions. Freeze your credit if you suspect identity theft (via Experian/TransUnion). 8. Educate Vulnerable Loved Ones Targets : Elderly parents and teens are often scam victims. Teach them : Hang up on unsolicited calls and verify requests in person. 9. Report Scams Immediately Where to report : U.S. : FTC (ReportFraud.ftc.gov) or IC3 (for cybercrimes). UK : Action Fraud. 10. Stay Updated on New Scam Tactics Subscribe to : FTC scam alerts or follow cybersecurity blogs like KrebsOnSecurity. Conclusion Scammers are getting smarter, but you can stay ahead by enabling MFA, verifying identities, and never trusting unusual payment demands. Protect your hard-earned money and personal data by acting on these tips today . Want a cheat sheet? [Download our free scam prevention checklist here] —and share this guide to help others stay safe!
By Ruth Idemudia April 30, 2025
10 Essential Steps to Take After a Scam (Protect Yourself Now!) Introduction Have you ever fallen victim to a scam or feared you might? You're not alone—millions lose money to fraud every year. The good news? Quick action can minimize damage and help prevent future attacks. In this guide, we’ll walk you through exactly what to do after a scam , from reporting the crime to securing your accounts. Whether it’s a phishing email, fake investment, or identity theft, these proven steps will help you regain control. Keep reading to learn how to protect yourself and prevent further losses! 1. Report the Scam Immediately (H2) Action Fraud & Authorities : File a report with Action Fraud (UK) or your local cybercrime unit. Financial Institutions : Alert your bank to freeze suspicious transactions. Online Platforms : Report scams to websites or social media platforms where they occurred. 2. Freeze Your Accounts & Cards (H2) Contact Your Bank : Temporarily freeze compromised accounts. Request New Cards : Replace debit/credit cards linked to the scam. Enable Fraud Alerts : Set up notifications for unusual activity. 3. Warn Others & Share on Forums (H2) Post on Consumer Protection Sites (e.g., ScamAdviser, Trustpilot). Share in Online Communities (Reddit, Facebook groups) to prevent others from falling victim. 4. Secure Your Online Presence (H2) Change Passwords : Update all critical accounts (email, banking, social media). Enable 2FA : Add an extra layer of security. Check for Data Leaks : Use Have I Been Pwned? to see if your info was exposed. 5. Monitor Your Credit & Finances (H2) Check Credit Reports (Experian, Equifax, TransUnion). Dispute Fraudulent Charges with evidence from your bank. 6. Learn How the Scam Worked (H2) Research Common Scams (e.g., phishing, romance scams, fake tech support). Educate Yourself on red flags (urgent requests, too-good-to-be-true offers). 7. Prevent Future Scams (H2) Use Strong, Unique Passwords (try a password manager). Ignore Unsolicited Calls/Emails —legit companies won’t ask for sensitive info. Verify Before Clicking : Hover over links to check URLs. FAQ Section (H2) Q: How do I know if I’ve been scammed? A: Unauthorized transactions, strange account activity, or requests for personal info are major red flags. Q: Can I get my money back after a scam? A: Sometimes—report it immediately to increase chances of recovery. Q: Where should I report online scams? A: Action Fraud (UK), FTC (US), or local cyber-crime units. Conclusion Falling for a scam can feel overwhelming, but quick action can limit the damage. By reporting the fraud, freezing accounts, and warning others , you protect yourself and help prevent future victims. Stay vigilant—bookmark this guide and share it to keep others safe!
By Ruth Idemudia April 30, 2025
How Cryptographic Signatures Can Secure UK Tax Filings Against AI Fraud Introduction Did you know that AI-generated fraud is on the rise, putting sensitive tax documents like P60s and P45s at risk? As cybercriminals leverage artificial intelligence to create convincing forgeries, HM Revenue & Customs (HMRC) and taxpayers face growing threats. The solution? Cryptographic verification —a powerful tool that ensures the authenticity of digital tax filings. Cryptographic signatures act like a digital seal, verifying that a document hasn’t been tampered with. By embedding unique cryptographic keys into tax forms, HMRC and businesses can prevent AI-driven fraud, safeguarding financial data. In this guide, we’ll explore how cryptographic signatures work, why they’re essential for securing P60 and P45 documents, and how they can help the UK stay ahead of AI fraudsters. Keep reading to discover how this technology is transforming tax security. Main Content 1. The Rising Threat of AI-Generated Tax Fraud AI-powered forgery: Cybercriminals use deepfake and generative AI to create fake tax documents. Increased phishing attacks: Fraudsters impersonate HMRC to steal sensitive data. Case study: A 2023 report found a 300% increase in AI-fabricated tax filings. 2. How Cryptographic Verification Works Cryptographic signatures use public-key infrastructure (PKI) to secure documents: Digital signing: Each document gets a unique encrypted signature. Tamper-proof verification: Any alteration invalidates the signature. HMRC adoption: The UK government is exploring blockchain-based tax filing. 3. Securing P60 and P45 Documents with Digital Signatures P60 security: Employers can cryptographically sign year-end tax summaries. P45 protection: Digital signatures prevent fake job termination records. Real-world example: Estonia’s tax system uses cryptographic IDs to prevent fraud. 4. Benefits of Cryptographic Signatures for HMRC & Taxpayers ✅ Prevents forgery – AI-generated fakes are instantly detected. ✅ Streamlines verification – No manual checks needed. ✅ Enhances trust – Businesses and employees know their data is secure.  5. Implementing Cryptographic Security in the UK Tax System Government initiatives: HMRC’s push for Making Tax Digital (MTD) . Business adoption: How companies can integrate cryptographic signing. Future-proofing: Preparing for AI-driven cyber threats. Conclusion As AI fraud becomes more sophisticated, cryptographic signatures offer a robust defense for UK tax filings. By securing P60s, P45s, and other sensitive documents, HMRC and businesses can prevent costly forgeries and build a fraud-resistant tax system. Ready to protect your tax data? Stay informed about HMRC’s latest security measures and consider cryptographic solutions for your business. Share this article to spread awareness about AI fraud prevention!
By Ruth Idemudia April 30, 2025
Got Scammed on Amazon Marketplace? 5 Red Flags & How to Get Your Money Back (UK Guide) Introduction (150-200 words) Have you ever clicked on an Amazon Marketplace deal that seemed too good to be true—only to realise you’ve been scammed? You’re not alone. Thousands of UK shoppers fall victim to fake marketplace listings and Amazon scams every year, losing money to fraudulent sellers. The rise of third-party sellers on Amazon has made it easier for scammers to exploit unsuspecting buyers. But how can you spot these scams before it’s too late? And what should you do if you’ve already been tricked? In this guide, we’ll reveal: ✔ How to spot fake Amazon listings before buying ✔ Why secure payment methods like escrow services matter ✔ Steps to report scams and recover your money Keep reading to protect yourself and shop safely on Amazon Marketplace! Main Content (800-1500 words) 1. How to Spot Fake Amazon Listings (Before You Buy) (H2) Scammers often use these red flags: ✅ Unrealistically low prices (e.g., a £1,000 laptop for £200) ✅ Stock images only (no real product photos) ✅ Generic or broken English in descriptions ✅ New seller accounts with zero reviews ✅ Pressure tactics (“Only 1 left—buy now!”) Pro Tip: Always check the seller’s profile and reviews. If they’re selling high-value items with no history, it’s likely a scam. 2. Secure Payment Methods: Avoid Losing Money (H2) Never pay outside Amazon’s system! Scammers may ask for: Bank transfers Gift card payments Cryptocurrency Instead, use: ✔ Amazon’s A-to-Z Guarantee (buyer protection) ✔ Credit cards (chargeback options) ✔ Escrow services (for high-value purchases) 3. What to Do If You’ve Been Scammed (H2) Contact Amazon immediately – Use the "Report Suspicious Activity" feature. Dispute the charge – If paid via credit card, request a chargeback. Report to Action Fraud UK – The UK’s national fraud reporting centre. Warn others – Leave a review to alert future buyers. 4. How Amazon Handles Scams (And What They Won’t Cover) (H2) Amazon’s refund policy protects buyers, but exceptions include: ❌ Purchases made outside Amazon (e.g., direct PayPal payments) ❌ Digital goods or services ❌ Items marked as "seller-fulfilled" without tracking  5. FAQs: Amazon Marketplace Scams (UK) (H2) Q: Can I get a refund if scammed on Amazon? A: Yes, if you used Amazon’s checkout. File a claim under their A-to-Z Guarantee. Q: Are expensive electronics a common scam target? A: Yes—iPhones, gaming consoles, and laptops are frequently faked. Q: Should I trust sellers with 5-star reviews? A: Check for fake reviews (short, vague, or posted in bulk). Conclusion (100-200 words) Falling for an Amazon Marketplace scam can be frustrating, but knowing the warning signs can save you time and money. Always verify sellers, use secure payment methods , and report suspicious listings. If you’ve been scammed, act fast—contact Amazon and your bank to recover your funds. Have you encountered a fake listing? Share your experience in the comments to help others stay safe!
By Ruth Idemudia April 30, 2025
Can Online Scams Ever Be Stopped? The Harsh Reality UK Authorities Face Introduction Imagine losing your life savings to a scammer in seconds—with little hope of getting it back. Unfortunately, this nightmare is a daily reality for thousands in the UK. Despite efforts by Action Fraud and stricter cybercrime laws , online scams continue to surge, with losses reaching £2.3 billion in 2023 alone (UK Finance). Why is it so hard to stop fraudsters? The answer lies in jurisdictional hurdles, sophisticated technology, and legal loopholes that allow criminals to vanish before justice is served. UK authorities are fighting back with new fraud policies , but is it enough? Keep reading to uncover the biggest challenges in prosecuting international scammers—and what legislative fixes could finally turn the tide. Main Content 1. The Rising Tide of UK Fraud: Why Scammers Keep Winning £2.3 billion lost in 2023 (UK Finance) Only 1% of fraud cases result in prosecution (National Audit Office) Action Fraud’s limitations : Slow response times, underfunding 2. Why Prosecuting International Scammers Is Nearly Impossible Jurisdictional barriers : Criminals operate from overseas havens Encrypted platforms & cryptocurrency make tracking nearly impossible Lack of global cooperation between law enforcement agencies 3. Current UK Fraud Policies: Are They Effective? Online Safety Act 2023 : Forces tech giants to remove scam ads Fraud Strategy 2024 : More funding for Action Fraud and National Crime Agency Ban on cold calls for financial products—but enforcement is weak 4. Proposed Legislative Fixes to Stop Scams for Good ✅ Stricter KYC (Know Your Customer) laws for crypto platforms ✅ Real-time payment recalls to freeze stolen money faster ✅ International task forces to track cross-border fraud rings ✅ Harsher penalties for tech companies hosting scam ads 5. How to Protect Yourself While Authorities Catch Up Never click on suspicious links (check URLs carefully) Enable two-factor authentication (2FA) on all accounts Use banks with strong fraud protection (e.g., Monzo, Starling) Report scams immediately to Action Fraud (even if recovery is unlikely) FAQs: UK Fraud & Cybercrime Laws Q: Can I get my money back if I’m scammed? A: Sometimes —banks may refund you under the Contingent Reimbursement Model (CRM) Code , but success isn’t guaranteed. Q: Why don’t police investigate most fraud cases? A: Limited resources —police prioritize violent crimes, leaving fraud underfunded. Q: Will the UK’s new fraud strategy make a difference? A: Potentially , but only with better tech regulation and global cooperation . Conclusion Online scams are a growing epidemic , and UK authorities face an uphill battle against international fraudsters . While new fraud policies show promise, legal gaps and enforcement challenges remain. Until then, vigilance is your best defense . Have you been targeted by a scam? Share your story in the comments—and help others stay safe!
A man and a woman are sitting at a table looking at bills.
How will you manage to pay bills?
The COVID-19 pandemic has had far-reaching consequences as it caused the largest Global Recession in history. What do you do now that you can no longer pay your debts?

If you lost your Job due to the Pandemic, what steps or actions can you take?

Make a list! It is important to know how much you owe and how much you make. So, list down all the names of the lenders, banks and bills you have to pay. If you have to borrow again to pay an existing commitment, then you must have been mis-sold a loan.

Now that the majority of your household bills has been put on hold or extended due to the Pandemic and lenders have not been making a collection or adding interests to your unpaid bills, it is best to take advantage of the situation and time.
This is where we can help you! Getting back the unfair fees and charges takes time and the earliest we act, the faster we can help you have your money back. We have all the list of the areas we can work on for you on our website.

So, how can we help you manage to pay your bills?
Ingram Toft offers an all in one service for all your lending or debt worries. All you have to do is fill out a simple claim form and submit an identification. Our team of experts will build a compelling case that increases your chances of winning against these banks and lenders.

Take comfort knowing that someone is out there working on resolving your debt problems with a “no win, no fee” basis of course.

See how we have helped many clients here:


A collage of positive reviews for ingram loft on facebook.
A bunch of different types of text on a white background.

Here are the areas of claims we deal with:


Affordability Claim:


Non-Affordability



Mis-selling


Nevertheless, we have represented individuals in diverse legal areas and the list is continuously growing.


The reason why we posted this blog is for you! We wanted to build your trust and encourage you to interact with us. If you have questions, suggestions or recommendations, we encourage you to share your thoughts here to help us improve our processes to better serve you in the future.


Comment below!


A person is pointing at a piece of paper that says guarantor loan claim
Guarantor Loan Claim - Either a borrower or a guarantor qualifies to make a claim.

Guarantor Loan Compensation: What is it all about? 


NOTE: if your household income has been affected by the pandemic, you can ask Amigo and other guarantor lenders for a three-month payment break. During this time the lender should NOT be able to ask you or your guarantor for payment. If you already had one payment break, you can ask for a second three-month break if you are still affected.


This applies whether or not you are making an affordability complaint, which is what the rest of this article is about.


guarantor loan is an expensive loan. Amigo is one of several lending companies that offer this type of loan. They have recently admitted to their flaws such as their inability to execute affordability checks prior to lending. They have also confirmed to have put aside millions of pounds to redress claims.


Their clients had overlapping loans and struggled with their payments. Believing that they were mis-sold loans, they will be able to make their claim for any fees and charges paid plus an additional 8% compensatory interest. 


This is not only applicable to Amigo loans. You may also submit a claim against other guarantor lending companies. Here are some of the companies we deal with:


1Plus1 

SUCO

Buddy Loans 

Talk Loans

George Banco 

TFS

Guarantor My Loan 

TrustTwo

LendFair 

UK Credit

Glo Guarantor


What is expected from the lender before granting a loan?


Proper assessments should have included a review of one or more of the following:

  • A review of our client’s bank statements
  • An analysis of our client’s income and expenditure


When a customer asks for a loan, the lending company must conduct proper credit and affordability checks to ensure the customer will be able to repay the loan. However, these important steps are somewhat neglected, especially for the repeat customers. In most cases, the lender would allow a customer to make a reloan without checking their current financial situation and without reviewing any change made during or after they had taken the previous loan. 


More often than not, the lending company grants another loan even before the client finishes the previous one. This entails irresponsible lending which the customer can complain about. Our basis for filing a complaint falls under the general heading of Inadequate Affordability Assessments. 


Watch our short video regarding Guarantor Loan Claim: https://youtu.be/KKleMpRCqoo


Who are entitled to a compensation?

If you are a borrower or a guarantor, you can qualify for a claim if you relate to any of the following reasons:


  • The loan was unaffordable to you.
  • A top-up to a previous loan was not explained to you.
  • You were pressured into becoming a guarantor.
  • You had other financial links to the borrower.
  • You did not properly understand what being a guarantor meant.


What is an affordability complaint?

Paying early does not mean the loan is affordable. It should rather cause concerns to the lending company. That could be the sort of behaviour indicating that someone is facing problems in managing their money and may need to refinance with loans on a regular basis. So, taking that into account before lending another loan would have been reasonable and responsible.


Of course, the loan payments being affordable on this basis might indicate that a consumer could sustainably make their repayments because they were paid early. However, it does not automatically follow in this case. This is because the Consumer Credit Sourcebook ("CONC") defines sustainable as “being without undue difficulties.” 

In particular, the customer should be able to make repayments on time, while meeting other reasonable commitments and without having to borrow to meet the repayments. It also follows that a lender should reasonably and fairly realise that a borrower will not be able to make their repayments sustainably if they are unlikely to make their repayments without having to borrow further.


If this situation is familiar, you might need to make an affordability complaint.


A person is overpaying their council tax on a laptop computer.
Are you overpaying your council tax?

In 1991, the new council tax system was launched. The government needed every property in the land to be put in a valuation band. But because time was short and the job was extensive, the people in charge asked estate agents and other relevant parties for help to hasten the process. 


Despite having all hands on deck, it was not enough to cover each property accurately. As a result, you may have been wrongly evaluated. You could be paying more than your neighbor, even though you live in exactly the same property size.


A lot of people are overpaying their council tax without even realizing it. Here are some of the reasons for overpayment:

  • You did not sign up for a single person’s discount. If you are living by yourself, you are entitled to a 25% discount.
  • You are living with a person with severe mental impairment such Alzheimer’s or Parkinson’s Disease. As such, you should be getting a 25% discount.
  • You are in the wrong band, also known as a banding alteration.
  • A discount has been awarded.
  • An exemption has been awarded.
  • A customer leaves the property and ends their liability.
  • Council tax support has been awarded.
  • Customer has simply overpaid.


If you are not getting your entitled discount for years, you must put a complaint in to claim it back. 


Changes that may affect your Council Tax band


Your property may be revalued and put in a different band due to certain circumstances, for example:

  • You demolish part of your property and did not rebuild it.
  • You alter your property to create 2 or more self-contained units, such as an annex wherein each unit will have its own band.
  • You split a single property into self-contained flats.
  • You convert flats into a single property.
  • You start or stop working from home.
  • The previous owner made changes to your property.
  • There are significant changes to your local area, such as a new road being built.
  • A similar property in your area has its Council Tax band changed.


Who has to pay?


You will usually have to pay Council Tax if you are 18 and above and you own or rent a home.


A full Council Tax bill is based on at least 2 adults living in a home. Spouses and partners who live together are jointly responsible for paying the bill.


You will get 25% off your bill if you count as an adult for Council Tax and either:

  • You live on your own; or
  • No-one else in your home counts as an adult.


You are entitled to a 50% discount if no-one living in your home counts as an adult, including yourself.


You will not have to pay any Council Tax if everyone in your home is a full-time student, including yourself.


Check if you need to pay any Council Tax or if you are eligible for a Council Tax discount.


Who does not count as an adult?


These people are not counted as adults for Council Tax:

  • Children under 18
  • People under apprenticeship schemes
  • 18 and 19-year-olds in full-time education
  • Full-time college and university students
  • Young people under 25 who get funding from the Skills Funding Agency or Young People’s Learning Agency
  • Student nurses
  • Foreign language assistants registered with the British Council
  • People with a severe mental impairment
  • Live-in carers who look after someone who is not their partner, spouse, or child under 18
  • Diplomats


Challenge


What happens if you do not agree with the outcome of a check?


Most enquiries are expected to be resolved during a check as the process is based on facts about your property.


Once a check is completed, you can challenge any valuation related to the same property within four months of the check decision, or within 16 months of your check submission if the challenge is about a change in the surrounding area. You may also make a challenge if the VOA has not made a decision on your check after 12 months. Properties may have several valuations from different dates due to physical facts changing over the period of the rating list.


You must have submitted a check before you can make a challenge.


One report stated that a resident from Stockton-on-Tees, County Durham questioned how much Council Tax he was paying. His challenge was initially rejected but he took his case further and was able to move his band from 'C' to 'B' – saving about £25/month on current council tax rates and getting £200 back in overpayments. Another resident who has been living in the same neighborhood since 2001 got £1,000 back.


Note: A refund will only be completed if your account is in credit and you do not owe any other amounts of Council Tax. If you move house within the city, any credit on your previous address will be transferred to your new address. If you have moved outside the city and have overpaid, then a refund will be made.


If you are certain you were overpaying your Council Tax, Ingram Toft can help you. Simply fill out our form and our expert legal advisers will build a solid case and put in a complaint for you.


You could receive a refund and be in a lower council band in less than 2 weeks. 


Contact us today!