A charity that aims to raise awareness of scams is urging residents to stay alert to cons and to report fraud whenever they encounter it.
Age UK’s Macclesfield branch said that national changes aim to make the process simpler, quicker and more supportive for victims.
With scams continuing to rise and criminals becoming increasingly sophisticated, Cheshire Age UK’s scams awareness and aftercare project has reminded people that reporting suspicious activity is one of the most effective ways to protect themselves and others.
In its latest newsletter, the charity said that many older people were still reluctant to report fraud, often because they felt embarrassed, believed nothing would be done, or worried that the process would be too complicated.
The newsletter said: “Scams are increasing, and unfortunately older people are often targeted. These scams can arrive as phone calls, text messages, emails, or even doorstep visits. They are becoming more convincing every year.
“Many people do not report fraud but reporting fraud really does help.”
A major change this year is the rebranding of Action Fraud to Report Fraud, a new service developed by the City of London Police. The aim is to make reporting clearer and more user-friendly, with a redesigned online system and a dedicated contact centre for those who prefer to speak to someone directly.
Reports are now analysed through a national intelligence system, meaning police forces across the country can access information more quickly and identify patterns of criminal behaviour.
Although the name has changed, the purpose remains the same: to support victims, stop scammers, and prevent others from being targeted. Specialist victim support continues to be available for anyone affected by fraud, offering reassurance, advice and practical guidance.
One of the most important messages from the charity is that anyone who believes money or bank details may have been compromised should contact their bank immediately.
Banks can freeze accounts, stop payments and monitor suspicious activity, but speed is crucial. People are advised to use the number on the back of their bank card or call 159, a secure service that connects directly to their bank.
They should never use a number provided by someone who has contacted them unexpectedly.
If someone realises they are already speaking to a scammer, the advice is simple: hang up, wait a few minutes or use a different phone, and then call the bank using a trusted number.
The newsletter outlines several common types of scams currently affecting residents.
Phone scams remain widespread, with criminals posing as banks, HMRC, utility companies or technical support.
These calls often create a sense of urgency or fear. Suspicious calls and texts can be reported for free by texting 7726, a service that helps providers trace and block malicious numbers.
Email scams, or phishing attempts, continue to be a threat. These messages may appear to be invoices, delivery notices or security alerts, and often encourage the recipient to click a link or share personal information.
Before deleting a suspicious email, people are encouraged to forward it to report@phishing.gov.uk, helping authorities shut down fraudulent websites and prevent further harm.
Online shopping scams are also on the rise, particularly those involving fake adverts or websites offering popular items at unusually low prices. Victims may never receive the goods, or their payment details may be stolen. Fake adverts can be reported to the Advertising Standards Authority, while suspicious websites can be reported to the National Cyber Security Centre.
It is looks to be good to be true it probably is remains as relevant today as ever.
The charity also warns about doorstep and rogue trader scams, where individuals offer services such as roofing, gardening or home repairs.
These traders may overcharge, carry out poor-quality work or disappear without completing the job.
Residents are urged not to pay upfront, to ask for identification, and to take time to verify any claims. Concerns can be reported to Citizens Advice, who pass information to trading standards.
To make reporting easier, the newsletter sets out a simple four-step process.
First, people should save any evidence, including emails, texts, screenshots or notes from phone calls.
Second, they can report online via reportfraud.police.uk, which guides users through each stage. Third, anyone who needs help can ask a trusted friend or family member or contact their local police for advice. Finally, once a report is submitted, it is reviewed and added to national intelligence systems. Even if victims do not hear back, their information may help stop future scams.
The charity encourages people to keep a notebook for suspicious calls or messages, avoid deleting anything before reporting it, and talk openly with friends and neighbours about scams they have encountered. Scammers rely on secrecy, they say, and reporting breaks that cycle.
For further support, Cheshire Age UK’s scams awareness team can be contacted on 01625 612 958 (option five or scams@ageukcheshire.org.uk.
Said the newsletter: “Reporting fraud is now easier, more joined-up, and more focused on supporting people who have been affected by scams.”
