Revealed: the top 10 scams of 2012

David Jones/PA

It has been celebratory year of momentous occasions, but 2012 has also brought gloom for many consumers due to a massive hike in fraud and scams.

One in every ten people have fallen victim to financial fraud, losing an average £1,000 a year to cold calling and internet scams, according to Which? So what have fraudsters been up to during 2012?%VIRTUAL-SkimlinksPromo%