Most people have been targeted by online crime

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New government figures have revealed that 59% of Brits have been targeted by cyber criminals, and have lost an average of £236 each as a result. There are now around 1,300 organised crime groups around the world which are using the internet to steal from their innocent victims.

And while the government is taking some steps to protect us, they say that the most effective line of defence is ourselves. So how can you protect yourself online?

Overall the government puts the cost of e-crime at £27 billion. It comes in a variety of guises - ranging from identity theft and credit card fraud, to hacking into our emails and bank accounts, virus attacks and phishing.

It has launched a Get Safe Online campaign, which is designed to get us thinking about the simple steps we can take in order to protect ourselves.

1. Protect your devices with a PIN.
Some 42% of people don't have a PIN or a password on their phone, and 38% don't have one on their tablet. It's essential that you protect your devices, using different passwords for each one, and keeping them a secret.

2. Secure your wi-fi.
Make sure that your home wi-fi is password protected - using a strong password that couldn't be guessed. Take real care when you're using a hotspot when you're out and about. You should only use wi-fi that is password protected - especially when you're doing anything sensitive.

3. Log out and log off
Always make sure you log out of your accounts and log off when you've finished using the computer. Don't tick the option to keep you logged in unless there's no way anyone could get access to your computer or smartphone. It sounds obvious but 47% of people don't always do this.

4. Keep things private
Set your social media to keep things as private as possible - so you can control exactly who sees what you post. Never respond to a friend request from someone you don't know. It sounds ridiculous, but 31% of people have accepted a 'friend' they don't know in real life. And before you post, think twice about what you are saying: are you exposing yourself, details of your life, or information about money matters that other people could use?

5. Use good passwords
Some 49% of people use the same password for everything. You need something that's hard to guess, easy to remember, and is different for each thing you are signed up to. Don't follow the 40% of people who use obvious personal information to create their password.

6. Manage your messages
Never forward emails or open links from someone you don't recognise. If someone you know sends you something that looks unusual don't click on it, contact them some other way to check if they have been hacked or have a virus.

7. Look for the padlock
When you are shopping online make sure there's a padlock on the web browser and its an https site before you input any details. It's also essential not to buy from stores you cannot identify and contact off line. If in doubt, do some background research and take extra care.

8. Use anti-virus software
Viruses can be hidden in emails or on weblinks that look entirely innocent. The only way you can tell that a virus is lurking somewhere is to install virus software, and keep it updated. You'll need software for your computer and your phone too - at the moment only 25% of people have protected their phone with anti-virus software

9. Never send your details
If you get an email, letter or phone call asking you to confirm your details or your passwords - even if it's to secure a refund or deal with an alarming-sounding issue - it's best to assume that it's bogus. Contact the provider in another way - using a phone number or email address you know is safe, and check whether they have tried to contact you.

10. Bid smartly
If you are bidding on an internet auction, never transfer money to an account or hand over cash - use a service like Paypal, which will protect your details. If you are collecting (or someone is collecting from you) make sure it is in a public place. And check the item in person before you buy anything big - to make sure it exists.

If you are a victim of fraud, or are worried about being a target, report it to

Get Safe Online's Chief Exec Tony Neate said: "The most fundamental rules of online safety are not being followed by everyone all of the time. But the things we need to do to protect ourselves are really straightforward, and will save us time, money and hassle in the long run." So it's worth taking a little more care in order to save a lot more stress in the long run.

Revealed: The 10 most common scams
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Most people have been targeted by online crime

More than 12 million pieces of personal information were illegally traded online by identity fraudsters in the first quarter of 2012 alone, according to data from Experian CreditExpert - outstripping the entire of 2010.

The vast majority (90%) of this illegally traded information is password and log in combinations - a result of the spiralling number of online accounts many of us now have. Research shows the average Brit uses around five different passwords online, but with an average of 26 different accounts each – this is nowhere near enough protection.

"Using a different password for each account will minimise risks, but if password information is stolen from a website, all accounts using the same details will be compromised, and this information can spread among fraudsters rapidly," warns Peter Turner, managing director at Experian Consumer Services in the UK and Ireland.

Step up your account protection with this guide to choosing a secure password.

Credit and store cards continue to prove particularly attractive to fraudsters and 2012 year has seen 73% surge in the takeover of plastic card accounts by criminals with nearly one quarter of all identity frauds, and 36% of all account takeovers, taking place on these cards.

Richard Hurley, communications manager at CIFAS explains the threat: "Whether it is through using an innocent party's details to open a new account in the victim's name, or hijacking the victim's details and taking over existing accounts, the modern fraudster will continue to pay specific attention to credit and store card accounts as an easy way of obtaining funds and goods, while leaving someone else to pick up the bill."

Be vigilant with your cards and follow our tips to protect your plastic through safe online shopping.

As if the mis-selling of payment protection insurance (PPI) wasn't scandal enough, 2012 has seen fraudsters preying on PPI victims. Consumers have received phone calls from someone who knows their name, announcing that they have won their PPI claim. The caller may also know the lender's name and an estimate of the loan amount.

However, the caller will then request a payment from the consumer in order to receive their compensation. This should signal warning bells, but many innocent victims have fallen for the scam and parted with money only for the bogus firm to disappear with their cash, and of course the compensation that never existed.

Consumers should be wary of all cold calls, particularly those that request cash upfront. There is no need to pay to make a claim for mis-sold PPI – you can claim direct to your bank for free and receive free advice from debt charities like Citizens Advice and the Consumer Credit Counselling Service.

If you do choose to take on the assistance of a claims management firm – never agree to an upfront payment. Reputable firms will only request payment for their services once you have received your compensation from your lender either by cheque or by payment into your bank account.

Phishing – when an unsolicited email arrives in your inbox requesting details to your personal accounts – continues to rise, leading to a surge in online banking fraud. Online banking fraud losses totaled £21.6 million during January to June 2012, according to CIFAS - a 28% increase on the 2011 half-year figure.

The emails trick customers into visiting fake banking websites – often made to look startlingly similar to the real thing - and disclosing their online banking login details. Online banking customers are also being tricked into divulging their bank login details and passwords over the phone to someone they believe is from their bank but is actually a fraudster.

The key point to remember is that banks will never contact you by phone or email and ask you to disclose your details, so always beware correspondence of this nature. Consumers should also be cautious of emails purporting to be from government bodies such as HMRC, or other financial accounts, such as Paypal.

There were over 50 different scams known to the 2012 Olympic Committee, with fraudsters cashing in on the good-natured spirit of the Games and nationwide scramble for tickets. The vast majority of scams took the form of phishing emails – purporting bogus job offers; prize draws; lottery wins and complimentary tickets – all with the sole purpose of duping consumers into sharing personal details or parting with cash in order to claim prizes.

Official tickets for the London 2012 Games were only available for purchase through the London 2012 website and appointed ticketing partners, so any other sources were offering fake or non-existent tickets. As for competition prizes and lottery wins – consumers should remember that it is impossible to win a competition or draw that you did not knowingly enter and that if a prize seems too be good to be true, it probably is.

Insurance is an incredibly complex area of personal finance and different forms of cover are riddled with different hitches that make it crucial to read the small print. Failure to do so could lead you to pay for a product you would be never be able to claim upon, or unknowingly do something that invalidates your claim.

Always buy the right level of cover for your needs and pay close attention to any exclusions in the policy wording. For example, many travel insurance policies for winter sports won't pay out for treatment of injuries incurred while under the influence of alcohol.

Surely the lowest of the low, charity donation fraud – when fake charities play on our sympathy by requesting donations to a worthy cause – is on the rise. Donation requests come in the form of unsolicited emails; phone calls; house visits or being approached in a public place. In many cases, donation requests are linked to a high-profile event, such as Hurricane Sandy that wreaked havoc across America last month.

Either the charity that the fraudster has asked you to donate to doesn't exist, or they are misusing the name of a genuine, often well-known, charity and pocketing your money.

Don't let fraud risks put you off donating – just make the necessary checks to ensure your money is going to the intended cause. Genuine charities are registered with the Charity Commission and print their registration details on all documentation, collection bags and envelopes, so check these details exist and if in doubt, contact the Charity Commission to confirm that they are authentic. Call the helpline on 0845 300 0218 or check the online charity register by visiting

Cases of cash machine fraud, where a device is used to trap money inside the ATM machine, have increased more than 15-fold in London in the past three months. Reported incidents have risen from 150 across the UK in May, to 2,500 in London alone in August, according to figures from Link and London's Dedicated Cheque and Plastic Crime Unit (DCPCU).

Criminals insert a device called a cash claw behind the guard on the cash drawer of an ATM. The device is undetectable to the public, who use the machine as normal until their cash fails to eject.

"The machine goes out of service and then the criminal comes along, forces open the drawer using a pair of pliers or a screwdriver, forces the device out of the cash machine, bringing the customer's money with it," explains Detective Chief Inspector Dave Carter, head of the DCPCU.

Customers are advised to immediately report any banknotes undelivered from cash machines.

Rogue property developers selling land that they claim has great investment value, when there is little or no chance of it ever being developed, are on the rise again this year. Investigations have lead to a number of convictions in 2012, yet consumers are warned to be remain wary of this big money scam.

Land banking involves plots of land offered for sale, often online, with the promise of sizable returns when planning permission is approved for housing or other development. Yet often the land is located in areas protected from development by planning law.

The companies involved soon disappear with investors' money and as the firms are not protected by the Financial Services Authority, their funds are not covered by the Financial Services Compensation Scheme.

In October, PhonepayPlus (the UK's premium rate telephone regulator) fined two firms a total of £450,000 for running a series of voucher scams on Facebook.

The scams, which claimed to offer free vouchers and supermarket gift cards for Tesco and Asda, resulted in members of the public signing-up for expensive premium-rate phone services.

The scams relied on Facebook users innocently sharing or liking the voucher promotions on their status, which included the promise of a voucher worth up to £250 for major retailers. After clicking on the promotion consumers were duped into participating in premium rate competitions, which involved questions sent to their phone at a cost of £5 each.


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