Watch out for cost-of-living scam texts this winter

As the winter chill sets in and the festive season approaches, many people are feeling the pinch.

With rising energy costs and this year’s changes to the winter fuel allowance, it's no wonder wallets are feeling lighter.

Unfortunately, this time of year also sees a spike in scam text messages, falsely promising new cost-of-living payments.

If you’re tempted to click a link or share your details, think again.

What to watch for

Scammers are getting more creative. Here are some of the recent scams:

• messages claiming a £900 payment
• texts saying you can receive £1,739
• offers of a ‘cost-of-living allowance’ of €900
• messages about a vague ‘hardship allowance’

We also received one message which said:

“The British government is distributing the 2024 Cost of Living Subsidy to assist with rising expenses.

“Due to the suspension of the electricity subsidy, this support will be provided as living expense assistance. A total of £900 will be transferred in seven installments [sic] by November 5, 2024.

“Please submit your application by October 31, 2024. No fees required, and this will not affect other benefits.”

None of these offers are real. The last direct cost-of-living payments from the Department for Work and Pensions were made in February 2024 and there aren’t any plans for more payments.

How to get help with money

If you’re struggling to pay for the essentials, you can apply for the household support fund.

Each council has its own application process but they won’t text you asking for your personal details.

You can apply following instructions on your local council’s website – find yours at gov.uk. 

Don’t reply to any texts that claim you can get the household support fund, and don’t click any links in the message.

What to do if you receive a scam message

If you receive a suspicious text, report it to Action Fraud by forwarding it for free to 7726.

Your phone provider will investigate and may block the sender.

Our outsmart the scammers guide has more tips on what to look out for and what to do if you think you’ve fallen for a scam.