AROUND 3.5 million Britons have fallen victim to phone fraud since 2010, according to the Money Advice Service.
To help you avoid being conned, the site has put together a list of nine signs that you could be on the line with a criminal.
:: You get a call, text, email or letter out of the blue
:: The caller tries to put you on edge by highlighting that you are at risk
:: The caller does not know your name or state which financial institution they are calling from
:: You are asked to give personal details or passwords - your bank will never ask for full passwords or your Pin code
:: You have never heard of the competition you are told you have won
:: You are asked to make an advance payment
:: You are pushed to make a quick decision - scammers do not want to give you time to think
:: You are told to keep it a secret
:: You are told they will call to collect "compromised" cards
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