London Daily

Focus on the big picture.
Friday, Nov 07, 2025

Energy discount phishing: Robbed of £25,000 in text scam

Energy discount phishing: Robbed of £25,000 in text scam

Cost of living scams are on the rise, as fraudsters prey on people's anxiety around saving money.

Action Fraud says it has received reports of hundreds of different scams about energy support alone.

Diane Jones was pottering around the house when she was sent a text message telling her to claim her £400 energy discount.

As a rheumatoid arthritis sufferer, she receives disability benefit and assumed the £400 payment was connected.

But almost as soon as Diane, 65, entered her bank details, she realised she was a victim of fraud and contacted her bank, HSBC.

"I'd been rushing around that day and just clicked on it when it came on my phone. My mind was in a muddle. As soon as I did it, I realised I shouldn't have done," she says.


Diane Jones was walking her dogs when she received the fake text

Households across the UK are being given £400 off their energy bills to help with rising costs, but it is automatically applied to their bills and is not something people need to apply for.

Unfortunately for Diane, an office administrator who lives in Eastbourne, that wasn't the end of the matter.

She was subsequently assured, via HSBC's online chat feature, that her bank card had been cancelled to protect her from further scams.

When she was contacted later that week, by someone purporting to be from the bank's fraud team, she assumed they were following up on the earlier scam.


'He was so clever'


"I didn't doubt the man for one moment - he was so clever. He was talking and talking, not giving me any time to think," she says.

The man persuaded Diane that her account had been compromised and she needed to transfer her money to a new bank account, via an app which he asked her to download.

He also pretended he needed her help uncovering fraudsters working internally at the bank, and gave her a script of things to say when HSBC rang querying the transaction.

It wasn't until a colleague later searched online for the caller's incoming phone number that Diane realised the man was not from HSBC after all.

By that time, fraudsters had stolen £24,800 - all of her life savings, and her overdraft.

She was distraught.

"I was in such a state when I found out what had happened - one of my sons had to get me from work and drive me home," she says.

HSBC told Diane it had no record of the original attempt to cancel her card. It initially refused to reimburse her the money, as she had transferred it herself and had given misleading answers to the bank when contacted.

Diane became so anxious that she stopped spending money and decided to put all of her Christmas plans on hold.

But following an agonising wait, the money has been refunded by HSBC, after the bank admitted it had not fully protected her account at the time.

"Protecting customers from fraud is a priority for us and we are sorry that Ms Jones has been the victim of a scam," an HSBC spokesperson said.

"While we provided warnings to Ms Jones and explained about impersonation scams, we recognise that we missed an opportunity to take extra steps on Ms Jones's account and for that we apologise."

Charities are warning that cost of living fraud is on the rise


The charity Victim Support says it is being contacted by more and more people in Diane's situation.

"Fraudsters are deliberately taking advantage of people when they're at their most vulnerable. It happened during the pandemic and we're seeing it again with the cost of living crisis," says national fraud lead Wayne Stevens.

"We're seeing two types of cost of living-related fraud: there are frauds directly linked to government or other public policy announcements, such as energy rebates, where people are sent a fake text or email inviting them to claim this support.

"But there is also the second type, which plays on people's growing anxieties about money and the need to quickly reduce their costs."

Mr Stevens says the latter include false adverts for low mortgage rates, fake loan offers, or cheap places to rent.


'It's knocked me for six'


Action Fraud says it received more than 100 complaints about energy rebate scams in September, up from a handful the month before. This has since risen to almost 400 complaints about energy text scams alone in less than three months.

A survey of 2,000 people by UK Finance found three in five people were concerned about falling victim to financial fraud or a scam.

One in six said the rising cost of living meant they were more likely to respond to an unprompted approach from someone offering an investment opportunity or a loan - rising to a third of those aged 18-34.

Although Diane eventually got her money back, she still feels the scam's impact.

"I'm dubious of everything that comes through on my phone. It's knocked me for six - and I don't consider myself a vulnerable person"


What can you do if you think you've fallen victim to a cost of living scam?


*  Do not respond to unexpected emails, phone calls and text messages asking you to click on links or provide your personal details to claim cost of living-related rebates or payments. If you are in any doubt, get verification from the genuine organisation first - for instance, by phoning a known, legitimate number

*  Fraudsters often prey on fears about rising costs by offering cheap loan offers, reduced rent, holiday deals or other services. If it looks too good to be true, it probably is

*  If you have been a victim of fraud, contact your bank immediately. You can also report it to Action Fraud. For support and advice visit victimsupport.org.uk and search "fraud"

*  For information you can trust about cost of living support, and to check what you're eligible for visit: helpforhouseholds.campaign.gov.uk

Newsletter

Related Articles

0:00
0:00
Close
Apple to Pay Google About One Billion Dollars Annually for Gemini AI to Power Next-Generation Siri
UK Signals Major Shift as Nuclear Arms Race Looms
BBC’s « Celebrity Traitors UK » Finale Breaks Records with 11.1 Million Viewers
UK Spy Case Collapse Highlights Implications for UK-Taiwan Strategic Alignment
On the Road to the Oscars? Meghan Markle to Star in a New Film
A Vote Worth a Trillion Dollars: Elon Musk’s Defining Day
AI Researchers Claim Human-Level General Intelligence Is Already Here
President Donald Trump Challenges Nigeria with Military Options Over Alleged Christian Killings
Nancy Pelosi Finally Announces She Will Not Seek Re-Election, Signalling End of Long Congressional Career
UK Pre-Budget Blues and Rate-Cut Concerns Pile Pressure on Pound
ITV Warns of Nine-Per-Cent Drop in Q4 Advertising Revenue Amid Budget Uncertainty
National Grid Posts Slightly Stronger-Than-Expected Half-Year Profit as Regulatory Investments Drive Growth
UK Business Lobby Urges Reeves to Break Tax Pledges and Build Fiscal Headroom
UK to Launch Consultation on Stablecoin Regulation on November 10
UK Savers Rush to Withdraw Pension Cash Ahead of Budget Amid Tax-Change Fears
Massive Spoilers Emerge from MAFS UK 2025: Couple Swaps, Dating App Leaks and Reunion Bombshells
Kurdish-led Crime Network Operates UK Mini-Marts to Exploit Migrants and Sell Illicit Goods
UK Income Tax Hike Could Trigger £1 Billion Cut to Scotland’s Budget, Warns Finance Secretary
Tommy Robinson Acquitted of Terror-related Charge After Phone PIN Dispute
Boris Johnson Condemns Western Support for Hamas at Jewish Community Conference
HII Welcomes UK’s Westley Group to Strengthen AUKUS Submarine Supply Chain
Tragedy in Serbia: Coach Mladen Žižović Collapses During Match and Dies at 44
Diplo Says He Dated Katy Perry — and Justin Trudeau
Dick Cheney, Former U.S. Vice President, Dies at 84
Trump Calls Title Removal of Andrew ‘Tragic Situation’ Amid Royal Fallout
UK Bonds Rally as Chancellor Reeves Briefs Markets Ahead of November Budget
UK Report Backs Generational Smoking Ban Ahead of Tobacco & Vapes Bill Review
UK’s Domino’s Pizza Group Reports Modest Like-for-Like Sales Growth in Q3
UK Supplies Additional Storm Shadow Missiles to Ukraine as Trump Alleges Russian Underground Nuclear Tests
High-Profile Broodmare Puca Sells for Five Million Dollars at Fasig-Tipton ‘Night of the Stars’
Wilt Chamberlain’s One-of-a-Kind ‘Searcher 1’ Supercar Heads to Auction
Erling Haaland’s Remarkable Run: 13 Premier League Goals in 10 Matches and Eyes on History
UK Labour Peer Warns of Emerging ‘Constituency for Hating Jews’ in Britain
UK Home Secretary Admits Loss of Border Control, Warns Public Trust at Risk
President Trump Expresses Sympathy for UK Royal Family After Title Stripping of Prince Andrew
Former Prince Andrew to Lose His Last Military Title as King Charles Moves to End His Public Role
King Charles Relocates Andrew to Sandringham Estate and Strips Titles Amid Epstein Fallout
Two Arrested After Mass Stabbing on UK Train Leaves Ten Hospitalised
Glamour UK Says ‘Stay Mad Jo x’ After Really Big Rowling Backlash
Former Prince Prince Andrew Faces Possible U.S. Congressional Appearance Over Jeffrey Epstein Inquiry
UK Faces £20 Billion Productivity Shortfall as Brexit’s Impact Deepens
UK Chancellor Rachel Reeves Eyes New Council-Tax Bands for High-Value Homes
UK Braces for Major Storm with Snow, Heavy Rain and Winds as High as 769 Miles Wide
U.S. Secures Key Southeast Asia Agreements to Reshape Rare Earth Supply Chains
US and China Agree One-Year Trade Truce After Trump-Xi Talks
BYD Profit Falls 33 % as Chinese EV Maker Doubles Down on Overseas Markets
US Philanthropists Shift Hundreds of Millions to UK to Evade Regulatory Uncertainty in Trump Era
Israeli Energy Minister Delays $35 Billion Gas Export Agreement with Egypt
King Charles Strips Prince Andrew of Titles and Royal Residence
Trump–Putin Budapest Summit Cancelled After Moscow Memo Raises Conditions for Ukraine Talks
×