When paying by credit card, ensure you can always see your card to prevent risk of both sides being photographed, allowing fraudsters access to your 16-digit number, expiry date and the security code on the signature strip.


Register and create an inventory of all your most-treasured and costly possessions, in case of loss or theft, at - working in partnership with UK police forces.


If you get a ‘phone call offering you insurance for your Sky box, politely say you’re not interested and hang up.  There are reports of scammers trying to obtain personal details under the pretence of selling these non-existent policies.


If you ever get a call from your bank asking for any details, refuse to give them any, no matter what they say to try to convince you they’re genuine. Even if they say for you to hang up and call the number of the bank on your card, don’t do it – the scammer wouldn’t hang up, so when you dialled the number, they would ‘answer’ it as if it were the bank but it would still be the scammer.


Be careful when arranging car insurance and always book with a reliable broker or direct with the insurer – there are scammers out there who pretend to be a broker, provide you with false documents so you think you’re insured, but you’re not, and they’ve got away with your money.


If you spot a scam or believe you may have been scammed you can contact your local Citizens Advice Bureaux or the Citizens Advice consumer service on 08454 04 05 06 (for advice in Welsh phone 08454 04 05 05).


Always ensure you cover your pin when using your credit/debit cards – it may make keying it in more difficult, but it’s worth it to know your account is secure.


If you’re ever tempted to invest in a green scheme known as carbon credits, beware - the regulator warns that it has yet to see a single investor make any money from this type of scheme. The average person investing so far has lost between £5,000 and £8,000.


It seems that the age old scam of selling counterfeit watches on your doorstep is rearing its ugly head again – best to warn any vulnerable people you may know of so they are aware of this scam and hopefully don’t fall for it.

Did you know that if your mobile ‘phone is stolen, you are liable for any costs incurred up until the time you reported it stolen? But the good news is that from Spring 2014, the UK Government and ‘phone companies have come to an agreement that they will cover any cost up to a certain level (which is still to be confirmed).


Click here for an easy guide to keeping your smartphone safe & secure.


Please don't be tempted by any offers of free trials of diet pills - hidden in the Terms and Conditions, which you would need to agree to in order to receive your 'free trial', could be an agreement for you to sign up to a rolling contract for monthly subscriptions to these products after the 'free trial' had been delivered (you would have provided your payment details to cover the postage of your 'free trial'). Some people have been stung a lot of money before they realise they've fallen prey to this dishonest practise. You could end up losing pounds of cash rather than pounds of excess weight.


If you have information relating to illegal tobacco sales, report it anonymously to Crimestoppers.


If nuisance phone calls get you down, you could buy a phone or device which allows you to block certain calls, including international calls.  There are many products on the market - search ‘call blocker’ on the web for a range of products and prices.