Doorstep scams
If you get a knock at your door from a stranger, how can you tell if they’re genuine or not?
This guide is here to help you spot a fraudster and avoid doorstep scams.
Some fraudsters target people at home. They can knock on your door and pretend to be there on official business, or offer to do work.
But it's your home. You choose who you let inside or who you want do a job.
Tips to avoid doorstep scams
-
If a genuine person, like a sales person or meter reader visits your house, they should always carry identity (ID).
The police, even in plain clothes, carry a warrant card and/or a badge.
Ask them to wait outside while you check their ID. A genuine person won’t mind waiting.
Call their company or police station to check their name and ID number. Always use a phone number from a bill or letter, or the phone book. A fraudster may give you a number to call, but don’t use it.
Remember, even if they have ID and are genuine, you don’t have to let them inside your home.
If you need a reminder to check ID, tape a note near your door. Then you'll see it before you open the door.
-
Some fraudsters try to get in by asking for a drink of water or to use your toilet.
Another trick is to keep you busy at the front door while someone else tries to sneak in at the back.
When doors and windows are not in use, make sure they’re locked.
-
Fraudsters can often try to put you under pressure to let them inside. They may also try to get you to make a quick decision.
If this happens, stay calm and politely ask them to leave. If they won’t, lock your door and call 999 for the police.
-
Bogus builders like to tell people that urgent work needs to done on their home. The job will cost more than it should and probably doesn’t need doing at all.
They often want paying up-front by cash and may offer to take you to the bank to get it.
If a bogus job starts, often the price will go up because of a problem.
Before you agree to any work, ask your family or friends to make sure it needs doing. They can also help you to check if a person or company is genuine or not.
Always get more than one quote before you decide what to do. You also need proof of insurance and a contract in writing to keep you safe
-
You can get straight forward, impartial advice on how to avoid scams from Take Five.
You can report a crime or get general advice from Action Fraud. They help banks and other companies combat fraud.
They offer advice on how to keep yourself and your devices safe from fraud.
UK Finance is there to support customers and to help make sure it's safe to bank.
Prudential Regulation Authority (PRA)
The PRA is part of the Bank of England. Their role is to make sure banks act safely and reduce the chance of them losing money.
Financial Conduct Authority (FCA)
The FCA is there to make sure banks work well so customers are protected and get a fair deal.
CIFAS can help to protect your identity. They can stop fraudsters from using your details to apply for things in your name.
This is a government site that gives advice on how to stay safe online.
This is part of the FCA site. You can use it to check on an investment or pension deals to help you avoid scams.
Lloyds Bank does not control the content of third party websites linked to on this page.
Important legal information
Lloyds Bank plc. Registered office: 25 Gresham Street, London EC2V 7HN. Registered in England and Wales No. 2065. Lloyds Bank plc is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 119278.
Eligible deposits with us are protected by the Financial Services Compensation Scheme (FSCS). We are covered by the Financial Ombudsman Service (FOS).
Personalisation. We will always greet you personally using your Title and Surname. We will never use ‘Dear User’ or ‘Dear Valued Customer’. Where you hold an existing account with us, we will quote the last four digits of your account number, such as your current account, savings account or credit card. If you don’t yet have an account with us but we have your postal address details, we may use part of your postcode. Internet Banking-related emails may also include your Internet Banking User ID.
Links. All links within our emails will go to a page on www.lloydsbank.com, or to trusted Government regulatory websites (e.g. Financial Ombudsman, Financial Conduct Authority, etc). Research emails may take you to a partner research company website but you will not be asked for any Internet Banking log on details.
In fraudulent emails, website addresses may appear genuine on first sight, but if you hover your mouse over the link without clicking, it may reveal a different web address. On our genuine emails the link address always starts with email.lloydsbank.com or www.lloydsbank.com. We will never link direct through to our Internet Banking log on page or to a page that asks for your security or personal details.