Fraud is the most commonly experienced crime in the UK, with millions of incidents reported each year. Yet, beyond the financial loss, victims often carry an additional, unseen burden: the shame and embarrassment of having been deceived. This emotional weight can prevent victims from seeking help, reporting the crime, or even talking about their experience. It’s time to challenge the stigma and change the narrative around fraud.
A Crime That Can Happen to Anyone
Fraud is no longer the stereotypical con involving a face-to-face hustle. Today, it’s a sophisticated crime, often orchestrated online, targeting people of all ages and backgrounds. Classic FM presenter Moira Stuart recently revealed how she narrowly avoided falling victim to a banking scam, despite believing she was “too savvy” to be deceived. Her story is a powerful reminder that no one is immune.
Fraudsters employ psychological tactics to manipulate and exploit their victims. From posing as trusted organisations to building personal relationships through romance scams, these criminals work methodically to break down defences. The result is often not just financial loss, but also feelings of betrayal, guilt, and self-blame.
The Hidden Toll of Fraud
Being defrauded can erode trust and self-esteem. Victims may withdraw socially, question their judgement, or struggle with ongoing anxiety. For some, like victims of pension scams, the consequences can be catastrophic, with life savings wiped out and little recourse for recovery.
One of the most damaging myths about fraud is the belief that it only happens to the naïve or careless. In reality, fraudsters are highly skilled at exploiting vulnerabilities that everyone has—whether it’s a moment of distraction, a desire to help, or simply trust in a seemingly reputable organisation. The shame that victims feel isn’t just unfair—it’s harmful.
Shame Prevents Reporting
Shockingly, only 13% of fraud cases in England and Wales are reported. Shame plays a significant role in this underreporting, as victims worry they’ll be judged for “falling for it.” But reporting fraud is essential—not only to seek justice but also to prevent others from becoming victims. Society must create an environment where victims feel supported, not blamed.
How We Can Stop Fraud Shaming
Ending fraud shaming starts with understanding and empathy. When we talk about fraud, it’s crucial to focus on the behaviour of the perpetrators, not the victims. Fraud is a crime of deception, and the responsibility lies squarely with the fraudsters.
If you’ve been a victim, know that you’re not alone. Psychotherapist Gin Lalli emphasises the importance of recognising that feelings of shame and guilt are normal. Seeking support—whether from friends, family, or professionals—can help you process what happened and rebuild your confidence. Connecting with others who’ve had similar experiences can also provide comfort and perspective.
Practical Steps to Protect Yourself
While no one can guarantee immunity from fraud, you can take steps to reduce your risk:
- Pause Before Acting: If someone contacts you unexpectedly, take a moment to verify their claims. Call organisations directly using official numbers.
- Be Skeptical of Urgency: Fraudsters often pressure their victims. Remember, genuine companies won’t rush you.
- Double-Check Online Links: Be cautious of emails, texts, or QR codes that ask for personal or financial details. Ensure they lead to legitimate websites.
- Report Suspicious Activity: If you think you’ve been targeted, contact your bank immediately and report the incident to Action Fraud.
The Way Forward
Encouragingly, new measures are being implemented to combat fraud. From improved banking safeguards to the creation of a National Fraud Squad, steps are being taken to hold fraudsters accountable and support victims. But real change requires a cultural shift. By speaking openly about fraud and rejecting the stigma, we can create a more supportive environment for victims.
Fraud isn’t a reflection of someone’s intelligence or character—it’s a calculated crime that preys on trust. If you’ve been affected, remember: it’s not your fault. Speak up, seek support, and take back control. Together, we can work towards a world where fraud victims are met with understanding, not shame.
Fraud Q&A: What You Need to Know
Q: How common is fraud in the UK?
Fraud is the most commonly experienced crime in the UK, accounting for around 40% of all reported crime in England and Wales. In 2023 alone, there were over three million incidents. However, the true number is likely much higher due to underreporting, with many victims feeling too ashamed to come forward.
Q: Why do people feel ashamed after being scammed?
Fraudsters are experts in manipulation, often creating a sense of trust or urgency that can fool even the savviest individuals. When victims realise they’ve been deceived, it’s common to feel guilt or embarrassment, thinking they should have spotted the warning signs. But it’s important to remember that being scammed is not your fault. These criminals are highly skilled at exploiting vulnerabilities we all have.
Q: How can I avoid being scammed?
Here are a few key tips to stay safe:
- Pause and Verify: If you’re contacted unexpectedly, take a moment to verify who’s reaching out. Call organisations directly using official numbers.
- Be Cautious Online: Avoid clicking on links in unsolicited emails or texts. Check URLs carefully to ensure they’re legitimate.
- Don’t Be Pressured: Fraudsters often use urgency to push you into making hasty decisions. Take your time.
- Stay Alert to Personal Information Requests: Be wary of anyone asking for your bank details, passwords, or sensitive information.
Q: What should I do if I think I’ve been scammed?
Act quickly but don’t panic. Follow these steps:
- Contact Your Bank: Let them know immediately to freeze accounts and prevent further losses.
- Report the Fraud: In England and Wales, report it to Action Fraud or call 0300 123 2040. In Scotland, dial 101.
- Seek Support: Fraud can take an emotional toll. Talk to trusted friends, family, or a mental health professional. Organisations like Victim Support can also provide help.
Q: Are banks doing anything to help protect customers?
Yes, banks are stepping up their fraud prevention efforts. Many now use tools like two-factor authentication and automated warnings that prompt you to think before transferring money. From October, banks will also be required to automatically reimburse victims of Authorised Push Payment (APP) fraud. These measures aim to add friction to transactions, giving you time to reconsider if something seems off.
Q: How can society reduce fraud shaming?
It starts with changing how we view fraud victims. Instead of asking, “How could they fall for that?” we should ask, “Why are fraudsters allowed to operate so easily?” Fraud is a crime, and responsibility lies with the perpetrators, not the victims. By speaking openly about these experiences and offering support instead of judgement, we can break the stigma and encourage more people to report scams.
Q: What’s being done to tackle fraud in the UK?
Several initiatives are underway, including:
- The Online Fraud Charter: Tech companies like Google, Meta, and Microsoft are working together to block scam content and share information with law enforcement.
- The National Fraud Squad: A specialist team is targeting organised fraud rings.
- New Banking Rules: Automated refunds for victims of APP fraud are now mandatory, offering more protection for consumers.
These steps are a good start, but continued efforts are needed to stay ahead of increasingly sophisticated fraud tactics.
Q: How can I rebuild trust and confidence after being defrauded?
It’s natural to feel shaken after being scammed, but there are ways to move forward:
- Educate Yourself: Learning about how scams work can help you feel more in control.
- Talk About It: Sharing your experience with friends, family, or support groups can ease feelings of isolation.
- Seek Professional Help: Counselling or therapy can help you process the emotional impact.
- Take Practical Steps: Implement fraud prevention tools like strong passwords and multi-factor authentication to feel more secure.
Q: What’s the most important message for fraud victims?
You are not to blame. Fraud is a crime of deception, and the fault lies with the fraudsters, not the victims. Speak up, seek help, and take steps to protect yourself. By doing so, you’re not only helping yourself but also helping others by making it harder for these criminals to operate. Together, we can stop fraud and the shame that comes with it.
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