The Twelve Scams of Christmas...

12daysHooray. It’s December. That means everything is now officially mince-pie scented and dusted with picturesque snow that never actually arrives. Even Trading Standards (or specifically the National Trading Standards Board (NTSB)) have been hitting the sherry are getting in the Christmas spirit and have produced a “Twelve Scams of Christmas” that you just have to sing along to…

Twelve Vishers Vishing

Vishing has caught a lot of people out recently – consumers have already lost £7million to this scam, according to Financial Fraud Action UK. Scammers call victims pretending to be a bank, building society or similar official and attempt to get personal information. Consumers must remember that their bank or building society will never ask for details over the phone – they already have them

Eleven Alarming Alarmists

The National Scams Hub is warning consumers about a possible burglar alarm scam where consumers receive a cold call from a company offering to install security systems.  The security system may be free or available at a nominal cost but the on-going maintenance cost is high and there is a daylight-robbery cancellation fee.

Ten Dodgy (Car) Dealers

Not very festive, but apparently yuletide is also a time to be wary of buying second hand cars, as greasy second hand car salesmen might be clocking the car to make a few extra quid.

Nine Grants Disappearing

It’s like something from your Christmas list- an email from the ‘Commonwealth Secretariat’ and ‘HM Treasury’ telling explaining that you qualify for a free £1,000 grant to be paid directly into your bank account. Unfortunately those who gleefully hand over said bank details will normally see more than the fictional grant disappear…

Eight Council Tax Bands- a- Playing

Getting your property rebanded for Council Tax purposes could save you a pretty penny, always assuming you have a genuine case and you fill in the relevant forms from the Valuation Office Agency (available free). Still, these pesky facts don’t bother claims company fraudsters who are happy to take your money and run- North-West Scambuster investigations discovered that less than 0.1% of claims submitted by companies claiming they can obtain council tax refunds are legitimate. You just pay high, up-front fees to a company that does no work on your behalf.

Seven Computers Crashing

Sometimes the old ones are still good. The National Scams Hub and trading standards are warning of a simple scam where the victim receives a bogus call from a computer company claiming that they had been alerted by the internet provider to a serious virus attack. The scammers tell the victim the only way the problem can be fixed is to buy a special computer programme. You can guess the rest.

Six Alternative Investments

Targeting the ‘more money than sense’ brigade (and we all know a few of those) these cold-callers offer attractive ways in to a range of exciting investments- diamonds, wine, carbon credits (?!)- but at hugely inflated prices, and with magical disappearing companies. Some cat is getting the cream, but it’s not the hapless investor.

Five Doorbells Ring

December is not the warmest time of year to be knocking on doors, but this time it’s not carol singers ringing your bell. Bad weather is used by rogue traders to convince some residents that they need unnecessary and often substandard home improvements at extortionate prices. Or by unscrupulous energy companies to pressurise the elderly and vulnerable into signing expensive service contracts.

Four Calling Loans

Christmas (and January) are often times when money is tight,and that’s where loan companies sidle in offering relief. The National Scams Hub says many people have received unsolicited text messages or telephone calls from firms offering them an unsecured loan. Those who accepted were charged large, upfront fees for little or no service.

Three Free Trials

Christmas and New Year is also free trial target time. Whether it’s trying out a one-day delivery service, a film streaming service or a weight loss programme, these companies make their money on the guarantee that people will forget to cancel the trial in time, or worse, require notice of cancellation of almost the same period as the trial itself.

Worse, some scammers hide expensive contracts in amongst the fine print and after customers enter their card details to pay for the post and packaging on a freebie, the nasty people use these hidden contracts to regularly take sums of moneys from the victim's account.

Two Bogus Charities

While no-one wants to curtail the season of goodwill, the NTSB just want to make sure you are actually giving to charity and not to some clever scammer lining his own pockets. Consumers should be wary of vague statements on packaging such as 'donations for work creation' or 'donations to poor children' and look for registered charity numbers where you can. Also check things like charity collection bags to make sure they are destined for who you think they are- before you fill them

And a dangerous toy under the tree…

The NTSB want to stress that, while a cheap toy or electrical gadget might seem a bargain, sub-standard foreign imports will not adhere to safety guidelines and have the potential to be dangerous for kill unsuspecting gift recipients. And that will not make a merry Christmas.

NTSB chairman Lord Toby Harris, wearing a red suit and white beard, chortled: “Last year, UK adults spent an average of £592 on Christmas. At a time of year when we know consumers will be parting with hard earned money, it is imperative that they be made aware of current scams. The NTSB encourages all consumers to check the legitimacy of chosen traders before buying gifts or committing to contracts.”

Consumer Minister and part-time elf Jo Swinson advised: “The first thing people should do is follow the old adage – if something sounds too good to be true than it usually is. If something is not quite right or they are being pressured into buying goods or services they don't need, then they should report this to the Citizens Advice consumer helpline on 08454 04 05 06. They can ask trading standards to investigate claims and make sure consumers get a fair deal.”


  • Ian
    I would avoid using the iTunes advent app image in your post if I were as Apple lawyers won't show much Christmas spirit if they see it.
  • Dick
    Nine Grants Disappearing Sounds like a normal evening in watching TV, nine shots of whisky.
  • j.
    What's a computer programme? Is that something they show on Channel 5 or something. Oh, you mean a computer program. Right, why not say that then?
    watch out for PAYPALS pay later scam, opt out as you have been automatically opted in via their terms and conditions which you agreed to.

What do you think?

Your comment