London Daily

Focus on the big picture.
Wednesday, Feb 25, 2026

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
Lord Mandelson Condemns Arrest as Driven by ‘Baseless Suggestion’ He Would Flee Abroad
Former UK Ambassador Released on Bail Following Arrest in Epstein-Linked Investigation
UK Parliament Orders Release of Former Prince Andrew’s Government Vetting Files
Reddit Fined £14 Million by UK Regulator Over Failures in Age Verification Controls
UK Moves to Tighten Regulation of Netflix, Disney+ and Prime Video Under New Media Rules
British Woman Who Reported Rape in Hong Kong Faces Possible Prosecution
'Christianity is the religion that has made this country great.'
Man Receives Parking Ticket 38 Years After Offense: ‘City Officials Said It’s Legitimate’
Woman Receives Gift Card for Christmas – Discovers It Is ‘Worth’ 63,000,000,000,000,000 Pounds
UK Sanctions New Zealand Insurer Maritime Mutual Following Allegations Over Russian Oil Cover
Reform MP Danny Kruger Condemns UK’s ‘Unregulated Sexual Economy’ in Call for Tougher Controls
The Show Must Go On: Prince William and Kate Middleton Shine at the BAFTAs Amid Andrew’s Arrest
UK Sanctions Russian ‘Illicit Oil Traders’ After Email Blunder Exposes Sanctions Evasion Network
Russia Amplifies Baseless Claims That UK and France Plan to Arm Ukraine with Nuclear Weapons
UK Imposes Sanctions on Two Georgian Television Channels Over Alleged Russian Disinformation
United States National Parks See Noticeable Drop in Visitors from Canada, U.K. and Australia
UK, Australia, Canada and New Zealand Escalate Sanctions on Russia as Ukraine War Marks Four Years
I Gave Andrew a Nude Massage Inside Buckingham Palace
UK Economy Faces Acute Strain as Trump’s Global Tariff Reshapes Trade Landscape
UK Signals Retaliation Is Possible as New US Tariff Policy Threatens Trade Stability
British Police Arrest Former Ambassador Peter Mandelson in Epstein-Related Misconduct Probe
Australia Officially Supports Proposal to Remove Andrew Mountbatten-Windsor from Royal Succession
Victorian Premier Jacinta Allan remains silent on ISIS brides' resettlement plans in Melbourne
Former UK Ambassador Peter Mandelson Arrested in Connection with Jeffrey Epstein
Jacob Rees Mogg afraid to talk about Peter Mandelson arrest on “suspicion of misconduct in a public office” (Pedophilia, corruption, etc.)
United Nations Calls for Global Action Against Disinformation and Hate Speech Online
Tucker Carlson warns of an inevitable clash in Western societies over mass migration
President Trump warns countries against abandoning recent trade deals with the US
Diverging Polls Show Mixed Signals on UK Economic Revival as Confidence Remains Fragile
Spotify Expands AI-Driven ‘Prompted Playlists’ Feature to the United Kingdom and Other Markets
Greens and Reform UK Surge in Manchester By-Election, Threatening Labour’s Historic Stronghold
UK Businesses Push for Closer European Trade Links Amid Renewed US Tariff Uncertainty
Deloitte Global Overhaul Sparks Leadership Contest in the United Kingdom
University of Kentucky and Microsoft to Showcase Campus-Wide AI Innovation
UK Food System Faces Acute Vulnerability to Shocks, Experts Warn
Reform UK’s Proposed ICE-Style Deportation Scheme Triggers Sharp Backlash
U.S. Global Tariff Push Leaves Britain, Australia and Others Facing Higher Costs and Trade Strain
UK Police Officers Guarded 2010 Epstein Dinner Attended by Prince Andrew, Reports Say
US Trade Representative Affirms Commitment to Existing Tariff Agreements with UK and Other Partners
Activists at the Louvre hung a framed Reuters photograph of Andrew Mountbatten-Windsor slumped in the back of a car leaving a police station on the day of his arrest
The royal biographer said that he expected the police to 'look at the money trail' - including Sarah Ferguson borrowing money from Epstein
A Protestor screams in NYC: “Bill Gates is on the Epstein’s List…”
FBI and Secret Service Hold Press Conference After Shooting Incident at Mar-a-Lago
Mark Zuckerberg Testifies in Trial Over Social Media's Impact on Children's Mental Health
Maggie Oliver exposes Keir Starmer using letters to close child rapists investigations
Kouri Richie's wrote a children’s book to help her sons grieve the death of their father. Now she’ll stand trial for his murder
New York Braces for Major Snowstorm With Up to 18 Inches Forecast and Blizzard Warnings Issued
Mexican Military Kills CJNG Leader Nemesio Oseguera Cervantes as Violence Erupts Across Jalisco
Metropolitan Police Deploys Palantir-Powered AI to Flag Potential Officer Misconduct
UK Parliament Rebukes Police Over Ban on Israeli Football Fans
×