A scam or a fraud is any scheme designed to con you out of money or steal your personal information. If someone contacts you unexpectedly – whether over the phone, through the post, by email, on a website, in person or on social media – always consider the possibility that it may be a scam.

Scammers target lots of people, often for small amounts of money. Most scams come from overseas but they may pretend to be locally based — from a reputable company, bank or government agency, or even from your friends on social media if your account has been hacked. It is very difficult to get your money back once it is sent overseas.