Anthony Devlin/PA Archive/Press Association Images
One council has issued a warning about a new email scam on the go, which tells drivers that they have paid for a parking ticket, and that a list of their recent transactions is attached in a separate document. If they open the attachment, their computer is infected with a virus.
So how can you spot this fraud, and what can you do?
Fight back - latest on scams
Westminster Council has posted a warning on is website saying: "Please be advised we are aware of a spam email that appears to have been issued by Pay by Phone with a parking receipt for a parking session for a one hour on 5th November 2011 in Westminster for £33.30."
The email claims to come from the company PaybyPhone - which runs cashless meters in the borough, and involves people calling, entering their details into the system over the phone, and paying by credit card.
The emails aren't specifically targeting people who have parked in Westminster - and most of the people who get the email are unlikely even to have a PaybyPhone account. The criminals are simply working on the basis that if they hit enough people, some of them will panic that their account is being used by someone else, and they'll open the attachment
What can you do?
A spokesman for Keepsafeonthenet.co.uk says you should avoid opening the email or the attachment. He had the email himself, and says: "This email came with an attachment. My anti-virus program removed it because it was infected with malware. Do not open the attachment. You haven't parked in "St Alderney" (wherever that is) and neither have I. If you accidentally open the attachment and think you might have infected your computer, download and scan it" with anti virus software.
PaybyPhone is investigating the scam, and in the interim, the council's advice is: "to delete the email and run your anti-virus software. We have not taken a payment. However if you have concerns please contact your bank or card provider."
- 1. Mid-contract price hikes
<p>It is reasonable to assume that if you take out a mobile phone contract at £30 a month for 24 months that's exactly what you'll pay unless you exceed the tariff. Yet mobile phone providers have come under fire for a snag buried in the small print – a clause to allow mid-contract price rises.</p>
<p>Prices are rising by a median of 81p a month and 70% of consumers are completely unaware off this sneaky move, according to Tesco Mobile, so be sure to check any new contracts before you sign the dotted line.</p>
- 1. Land banking
Land banking involves plots of land offered for sale, often online, with the promise of sizable returns when planning permission is approved for housing or other development. Yet often the land is located in areas protected from development by planning law.</p>
The companies involved soon disappear with investors' money and as the firms are not protected by the Financial Services Authority, their funds are not covered by the Financial Services Compensation Scheme</p>
- 2. Money mule
Fraudsters recruit unknowing accomplices through email under the guise of offering employment, seeking a personal favour, or through internet shopping sites. The recruits are persuaded into receiving what are essentially fraudulent payments and then passing funds on.</p>
The 'mules' are frequently offered a small financial incentive to encourage involvement and face difficulties in proving their innocence when the fraud is discovered.</p>
- 3. Carbon credit fraud
The scams claim to offer people the chance to profit from carbon credits. Under regulations that permit businesses to emit a tonne of CO2 – the companies claim to offer investment in green projects like a forestry scheme or a solar panel project, which generates carbon credits that are then sold on to heavy industry.</p>
A flashy brochure or website tells of a reliable 'government-backed' scheme which provides reliable returns for investors. Such a scheme doesn't exist however – a reality investors only discovered when they have parted with their cash and the company is untraceable. As with land banking, fraudulent companies are not covered by the FSA so victims have no course for recompense</p>
- 4. HMRC phishing scam
Receiving an email from the taxman saying you are owed a payment may seem like a nice surprise, but it is actually from fraudsters trying to relieve you of your cash instead.</p>
The emails provide a "click-through link" to a cloned replica of the HMRC website. The recipient is then asked to provide their credit or debit card details - all the information the criminals need to clear your account, and sell on your personal details.</p>
- 6. Crash for cash scams
Insurer Direct Line reported a hike in the number of 'crash for cash' scams last year – where fraudsters fake accidents by making unnecessary emergency stops at busy roundabouts or slip roads, forcing motorists to crash into them.</p>
They then make bogus claims to the innocent motorist's insurer, often including fictitious injuries and passengers.</p>
- 7. Driving school scams
Learner drivers have been taken for ride by being unknowingly taught by trainee instructors. An investigation by the AA found up to 27,000 extra driving tests have been failed in the last year because one in 10 learner drivers are unwittingly taught by an instructor they do not know is learning on the job.</p>
- 8. One man mail scam
July saw the arrest of a Leicester postman who stole £46,686 worth of mail over two-and-a-half years. Yogeshbhai Patel, 38, was jailed for two years for stealing mail including 2,000 DVDs and 2,250 games along with CDs and other electrical equipment. He intercepting the valuable packages and spent the money on living a luxury lifestyle including helicopter rides and a trip to Las Vegas.</p>
- 9. Smart meter scam
The Trading Standards Institute reported over 200 cases where elderly homeowners have been targeted by telephone cold callers, purporting to be from their energy supplier and offering energy saving devices which could cut their bills by 40%.</p>
The TSI tested the devices in homes where owners had fallen for the scam, only to find they both failed to satisfy electrical safety standards or deliver any tangible energy savings.</p>
- 10. Thermal camera fraud
Thermal cameras that track ATM pin numbers are the latest weapon in their arsenal and US scientists have warned it is the next threat for this form of crime. Researchers at the University of California at San Diego found that up to 45 seconds after a person types their pin code into an ATM machine or door entry pad the numbers and even the sequence are still readable by thermal cameras.</p>