Speak to a team member now

or

Staying scam-aware: stop, challenge and check

Latest News

21 September 2026

Share

Aaron Carrier, Director of Infrastructure & Cyber Security at Fairstone

Three financial advisers looking at computer screens

It is a sad fact that fraudsters are becoming increasingly convincing.

They may impersonate your bank, financial adviser, the police, a government department or even someone you know.

Telephone numbers, email addresses and websites can also be manipulated to appear genuine.

Criminals often create urgency, fear or excitement to persuade people to act without stopping to check.

Following a few simple precautions can help protect your money and personal information.

Warning signs to watch out for

Be cautious if someone:

  • contacts you unexpectedly and requests personal or financial information
  • pressures you to act immediately or keep the conversation secret
  • asks for a password, PIN or one-time security code
  • tells you to transfer money to a “safe account”
  • asks you to install software or give them access to your device
  • promises unusually high or guaranteed investment returns
  • requests an upfront payment before releasing money; or
  • provides new or unexpectedly changed payment details.

Fraudsters may know information about you and can appear professional and knowledgeable.

Familiar branding, personal details or the number shown on your telephone are not proof that a communication is genuine.

Stop, challenge and check

Before sharing information, making a payment or approving a request:

Stop: Take a moment to think. Do not allow anyone to rush or pressure you.

Challenge: Ask yourself whether the request could be fraudulent. It is acceptable to end a call, reject a request or ignore a message. A genuine organisation will understand if you want time to verify its identity.

Check: Contact the organisation independently, using a telephone number or website you already know to be genuine. Do not rely on contact details, links or telephone numbers provided in the communication.

Scams in financial services

When considering a financial product or investment, check the firm and its contact details using the Financial Conduct Authority (FCA) Firm Checker.

Remember that criminals may impersonate genuine authorised firms, so make sure the contact details match those shown by the FCA.

Speak to your adviser

Speak to your financial adviser or someone you trust before making an unexpected or significant financial decision.

Protect your accounts and devices

You can take some straightforward steps to protect yourself from scams:

  • Use strong, unique passwords and enable multi-factor authentication where available
  • Never disclose passwords, PINs or security codes
  • Check bank and credit-card statements regularly for unfamiliar activity
  • Keep devices, applications and security software up to date
  • Never install software or allow remote access at the request of an unexpected caller
  • Limit the personal information you share online, as criminals may use it to make an approach more convincing
  • Independently verify new or changed payment instructions before transferring money

How we contact you

If you receive a communication claiming to be from Fairstone and are unsure, always contact us directly using the details on our website or official documents or contact your usual adviser using details you have previously used.

Alternatively, you can contact Fairstone’s Head Office on 0191 519 6000 or email info@fairstone.co.uk

Do not use contact details supplied in a communication you are unsure about.

How to find out more

You can find further information on our scam-awareness page and read our current clone-firm alert.

What to do if you think you have been targeted

Act quickly. Contact your bank or payment provider immediately using a trusted number.

If you have lost money or disclosed sensitive information, report the incident through Report Fraud or call 0300 123 2040.

You should also change any affected passwords and continue monitoring your accounts.

How to avoid scams

Whenever you receive a communication – whether email, text, phone call or social media message – remember to:

  • Stop
  • Challenge
  • Check

Taking just a few minutes to verify a request could prevent financial loss.

Press information

For further information, please contact:

Aaron Carrier, Director of Infrastructure & Cyber Security at Fairstone

Press information

For further information, please contact:

Aaron Carrier, Director of Infrastructure & Cyber Security at Fairstone