Here are the OFT’s top 10 tips to avoid being scammed:

1. Be suspicious of unsolicited letters, phone calls, or emails asking you to send money – check out the sender and ask the opinion of family, friends or neighbours

2. If an offer looks too good to be true, it probably is – trust your gut instincts

3. Always think twice – ask yourself ‘can I afford to lose money on this?’

4. Never send money to anyone who say’s you’ve won the lottery or a big prize – you’ll never see your promised winnings

5. Don’t be rushed into sending off money by time sensitive deadlines

6. Never ring an 090 number unless you’re certain how much the call will cost and know what you are likely to receive

7. Never disclose your bank account, credit card or personal details to people you don’t know

8. Don’t send money off just because a letter seems official. Scammers often use this trick. If you haven’t heard of them check them out before taking any action.

9. Scammers often use fake testimonials to support their claims but don’t let them fool you – make your own mind up.

10. Don’t suffer scams in silence, get help! Contact Consumer Direct on 08454 04 05 06 for advice or visit the website at www.consumerdirect.gov.uk