Spoofing Scams & Fraud
Spoofing makes a fraudster's call, text, or email appear to come from your bank, HMRC, or a trusted organisation. The phone genuinely shows the bank's number — making the deception extraordinarily convincing.
£170m+
Lost to spoofing-enabled fraud annually in the UK
#7726
UK number to forward suspicious texts to
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Trustpilot rating
Secure
Encrypted case vault
Overview
Spoofing makes a fraudster's call, text, or email appear to come from your bank, HMRC, or a trusted organisation. The phone genuinely shows the bank's number — making the deception extraordinarily convincing.
Warning Signs to Watch For
- • A caller-ID matching your bank, HMRC, or police that asks for security details
- • A text appearing in the same thread as genuine messages from your bank
- • Instructions to move money or share one-time codes
- • Pressure to act now to "prevent fraud"
- • A request not to call back — "I'll call you on a secure line"
How Spoofing Works
Voice and SMS networks were designed in an era that did not anticipate caller-ID forgery. Criminals exploit this to make their messages appear from genuine sources — even slotting into existing message threads. Ofcom and the major networks are deploying STIR/SHAKEN authentication, but coverage is incomplete and victims continue to lose money daily.
Your Position For Recovery
Spoofing-driven fraud is impersonation fraud, fully covered by the CRM Code and the new PSR mandatory reimbursement scheme. Banks frequently try to refuse on "negligence" grounds, but the bar is high and the FOS overturns most of these refusals.
Our Approach
Document
We preserve call logs, message threads, and the phone-network metadata that proves spoofing.
Assess
We identify the bank's failures and the network's spoofing-prevention shortcomings.
Pursue
We file CRM, PSR, and FOS complaints, citing impersonation and inadequate controls.
Recover
We secure reimbursement and any losses above the statutory cap.