Protecting Older Adults from Scams
This Fraud Awareness Week, we wanted to take a moment to talk about something that affects so many of the wonderful people we care for - scams targeting older adults.
Our Care Professionals build close relationships with the clients we support, and we’re often there when suspicious calls come through or when something just doesn’t feel quite right. We’ve seen firsthand how distressing these situations can be, which is why we’re passionate about helping everyone stay one step ahead of the scammers.
Unfortunately, older adults are frequently targeted because scammers know they’re more likely to be trusting, polite, and may live alone. But with a little awareness and some simple precautions, we can all help protect ourselves and our loved ones.
Common scams to watch out for…
Phone and cold call scams
Those unexpected calls that just feel a bit off. Scammers are incredibly convincing these days, impersonating everyone from your bank to HMRC, utility companies, or even tech support firms like Microsoft. They’ll often claim there’s an urgent problem with your account, mention a tax refund that’s waiting, or warn you about a virus on your computer.
Things that should ring alarm bells:
- Anyone asking for personal information or bank details over the phone
- Being rushed to act immediately or threatened with legal action
- Requests to transfer money to a “safe account” (your bank would never ask this!)
- Someone wanting you to download software so they can access your computer
Doorstep and rogue trader scams
There’s nothing quite as unsettling as an unexpected knock at the door, especially if you’re on your own. Rogue traders often use high-pressure tactics, claiming they’ve spotted a problem with your roof or driveway whilst “working in the area.” They might offer what seems like a bargain, but the work is either unnecessary, overpriced, or poorly done.
Watch out for:
- Anyone who “happens to notice” a problem with your property
- Feeling pressured to decide there and then
- Offers that sound too good to be true (they usually are!)
- Requests for cash payments or large upfront deposits
- Reluctance to give you written quotes or proper company details
Online and email scams
More of us are using technology to stay in touch with family and friends, which is wonderful. Unfortunately, it’s also opened up new ways for scammers to reach us. The emails can look so convincing these days and we’ve seen ones that perfectly mimic legitimate companies.
Red flags to look for:
- Emails saying your account has been compromised or suspended
- Messages pushing you to click links or download attachments urgently
- Requests for passwords, PIN numbers, or personal details (never share these!)
- Unexpected messages about parcels requiring payment
- New online “friends” who eventually ask for financial help
Financial and investment scams
These can be particularly devastating as they target hard-earned savings and pensions. Scammers promise unrealistic returns or present “exclusive” investment opportunities that simply don’t exist.
Be wary of:
- Out-of-the-blue contact about pension reviews or investments
- Promises of guaranteed high returns with little risk
- Being rushed to transfer pension funds
- Pressure to make immediate decisions
- Offers to access your pension before you’re 55
How we help keep our clients safe:
One of the lovely things about the relationships our Care Professionals build with clients is that they become familiar faces who genuinely know what’s normal and what isn’t. They’re often there when the phone rings or when the post arrives, and that extra pair of eyes can make all the difference.
We’ve helped clients by:
- Noticing suspicious letters or emails and gently suggesting we check them together
- Being there when unexpected visitors turn up at the door
- Helping verify whether phone calls are genuine
- Spotting when someone seems worried about money matters
- Encouraging chats with family members when something feels off
It’s all part of the care we provide and we are here to supporting client holistically, not just their immediate needs.
Our top tips for staying safe:
Take your time
Legitimate organisations will never rush you. If someone’s putting pressure on you to decide right now, that’s your cue to step back. It’s absolutely fine to say no, hang up, or ask for time to think. Real companies will understand.
Verify before you trust
If someone calls claiming to be from your bank or another organisation, it’s perfectly okay to hang up and call them back using the number on a recent statement. Never use a number the caller gives you. And do wait at least five minutes before ringing back, or better still, use a different phone as scammers can keep lines open.
Keep your details private
Your bank will never ask for your full PIN, password, or ask you to move money to a “safe account”. If anyone requests these details, you can be certain it’s a scam.
You’re in control of your doorstep
You don’t have to answer the door to anyone you’re not expecting. If you do answer, there’s nothing wrong with using a door chain and asking for ID. Never feel pressured to let someone in or agree to work on the spot. Legitimate traders will be happy to come back another time.
Think before you click
Even if an email looks official, pause before clicking any links or downloading attachments. When in doubt, type the company’s web address directly into your browser rather than clicking an email link. It’s a simple step that can save a lot of trouble.
Keep your devices protected
Making sure your computer, tablet, or phone has up-to-date security software is like locking your front door. It’s a basic but important step in staying safe online.
Talk about it
This is so important as scammers rely on people feeling embarrassed or keeping quiet. There’s absolutely no shame in being targeted by these criminals; they’re professional manipulators. If something doesn’t feel right, talk to family, friends, or your Care Professional. We’re always here to listen, and a quick chat can prevent a lot of heartache.
Report it
If you think you’ve encountered a scam, please report it to Action Fraud on 0300 123 2040 or visit www.actionfraud.police.uk. And if you’ve shared any bank details, contact your bank straight away as they’d much rather hear from you early than late.
We’re always here
At Home Instead Eastbourne and Hailsham, keeping our clients safe is absolutely central to everything we do. It’s not just about providing excellent care, it’s about being a trusted friend who’s looking out for you in every way.
If you’re worried that someone you love might be vulnerable to scams, or if you’d simply like to chat about how our care services can provide that extra layer of security and companionship, we’d love to hear from you.
Together, we can help keep our community safe, supported, and connected.
For more information about our care services in Eastbourne and Hailsham, please give us a call on 01323 916901. We’re always happy to have a friendly chat.
To report fraud: Action Fraud – 0300 123 2040 | www.actionfraud.police.uk
