The 31 January Self-Assessment tax return deadline is fast approaching, and while taxpayers are focused on submitting their returns, fraudsters are targeting them with sophisticated scams.
HM Revenue and Customs (HMRC) has reported nearly 150,000 fraudulent messages in the past year, with fake tax rebate claims making up almost half.
These scams are not only financially damaging but can also lead to identity theft and severe stress.
Understanding how scammers operate and knowing how to protect yourself is essential during this busy period.
The refund trap
Scammers lure victims by promising fake tax refunds via emails, texts, or phone calls.
These messages often appear professional and urgent, asking for sensitive personal and banking details.
Remember, HMRC will never contact you in this way.
Legitimate refunds must be claimed through your secure HMRC online account or app, so avoid engaging with unsolicited offers.
Scare tactics
Fear is one of the scammers’ most powerful tools.
Fraudsters often leave voicemails or send messages claiming you owe unpaid taxes and threatening legal action, fines, or even arrest.
These tactics are designed to make you act without thinking.
However, HMRC has confirmed it does not operate this way. Any such message is almost certainly fake and should be reported immediately.
Requests for sensitive information
Unexpected messages requesting personal or financial details, no matter how convincing they appear, should always be treated with suspicion.
Fraudsters are becoming increasingly sophisticated, often impersonating HMRC to gain your trust.
Always verify any communication before providing information.
Simple steps to stay secure
Protecting yourself from scams doesn’t require advanced technical knowledge, just a few practical steps can go a long way.
Stick to official channels
Always access your tax information through the official HMRC website or the secure HMRC app. Bookmark these to avoid clicking on fake links that may lead to phishing sites.
Report suspicious messages
If you suspect a scam, forward phishing emails to phishing@hmrc.gov.uk and report suspicious texts to 60599. HMRC’s scams advice page also offers detailed guidance to help you identify fraudulent activity.
Don’t rush
Scammers rely on creating urgency to pressure victims into acting without thinking. Always pause, verify, and take your time to confirm the legitimacy of any message or request.
HMRC’s golden rules
HMRC has been clear about what it will and will not do. To protect taxpayers, HMRC has reiterated that it will never send threatening messages or voicemails about arrest or legal action, nor will it request personal or banking details via text, email, or phone.
If you receive any such communication, assume it is a scam and take steps to report it.
Our experienced accountants are here to help you file your tax return accurately and securely, while also offering guidance to keep you safe from fraudsters.
Contact us today to ensure your Self-Assessment process is smooth, secure, and stress-free.