How To Report Fraud

WHO TO CONTACT IF YOU’VE BEEN SCAMMED

Realising you have been scammed or discovering fraudulent activity on your account can be unsettling. But don’t worry, we’re here to support you as much as possible. We understand that being scammed can be distressing, but you’re not alone.

Acting swiftly is crucial to minimise any potential losses.

Remember, your safety and security are our top priority. Therefore if you need any assistance or have any concerns, please do not hesitate to get in touch with us. Together, we’ll navigate through any challenges and ensure your peace of mind.

HAVE YOU BEEN TRICKED INTO SENDING YOUR MONEY TO SOMEONE?

If you’ve been tricked into transferring money to a fraudster via electronic transfer, it’s known as an authorised push payment (APP) scam, and from 7th October 2024 you could be entitled to a refund.

This means we can refund any losses if:

– You have made a fraudulent electronic payment to a regulated UK bank or building society.

To report an APP scam and start the application for your refund we ask that you:

– Report the fraudulent activity to us as soon as you become aware.
– Report the fraud to the Police.

Once you’ve reported the scam, we will begin an investigation and work closely with you to support your case which may involve providing us with evidence. There may be times when we will be unable to refund you if:

– Your claim is more than 13 months after the payment has been made or the payment took place before 7th October 2024.
– You have been grossly negligent when making the payment, and / or acted fraudulently.
– The payment is a dispute between you and another person.

Claims can be made on any amount; however, the maximum reimbursement is limited to £85,000 under the APP Reimbursement Regulations.

If the payment was made by cash or cheque, or the payment was made without your knowledge or instruction, then please speak to us, and we may be able to help.

THREE STEPS TO REPORT FRAUD

Reach out to us

We are here to assist you every step of the way.

Telephone: +44(0)1455 844422, Then select one of the following options:

Press 1 to speak to our Savings team

Press 2 to speak to our Mortgage Servicing Team

or email enquire@esbs.co.uk and we’ll guide you through the process of investigating any suspicious transactions.

Head Office Address:

22 The Hollow
Earl Shilton
Leicester
LE9 7NB

If you feel we haven’t dealt with your claim to your satisfaction, you can use our complaint procedure which can be found at https://www.esbs.co.uk/complaints-and-treating-customers-fairly/and inform us of your dissatisfaction.

Contact Action Fraud

Action Fraud are the UK’s national fraud reporting centre, tasked with gathering information about fraud and cybercrime incidents. To report the scam call 0300 123 2040 or visit their website https://www.actionfraud.police.uk/

Remember, your report could prevent others from falling victim to the same scam.

Notify your local police

Don’t forget to inform your local police station about the incident. You can easily do this by dialling 101. Providing them with details of the scam can assist in their investigations and contribute to the broader effort in tackling fraudulent activities.

Please see the regulations in full for more information.

HMRC Fraud

If you feel you’ve been sent a HMRC scam relating to tax via text, email or website link, it’s really important that you report it. Please see below the following links to make a report.

www.ncsc.gov.uk/collection/phishing-scams/report-scam-email

www.ncsc.gov.uk/collection/phishing-scams/report-scam-text-message

www.ncsc.gov.uk/collection/phishing-scams/report-scam-website

www.gov.uk/government/organisations/hm-revenue-customs/contact/reporting-fraudulent-emails