Scammers are showing no sign of slowing down this autumn. From AI-generated fake boutiques to winter fuel text scams, criminals are finding new ways to cash in on trust. Here’s what to watch for — and how to stay one step ahead this October.
AI-generated fake businesses tricking online shoppers
Fraudsters are posing as small UK shops, and it’s leaving online shoppers duped and out of pocket.
According to the BBC, websites are using AI-generated photos and made-up family backstories to appear like long-standing, family-run boutiques. In reality, the goods come from overseas warehouses and are often poor-quality imitations. Some even spin emotional stories — like a “grieving widow closing her shop” — to boost sympathy and drive sales, only for buyers to receive cheap products that look nothing like the pictures.
With realistic imagery now easy to generate, fake websites can look more credible than ever. To protect yourself, check reviews and contact details before buying from a new retailer, be wary of emotional stories or “closing down” sales, and always search for the retailer’s name alongside the word “scam” before entering payment details.
Winter fuel payment text scams
Trading Standards has issued a warning about fraudulent texts and emails inviting people to “apply” for their winter fuel payment. Most eligible people receive this payment automatically — you don’t need to apply. The scam links to a fake government website asking for personal and bank details, a classic phishing attempt to harvest information.
If you receive one of these winter fuel scam messages, don’t click any links or share your details. Instead, forward the text to 7726 (free on all networks) or send suspicious emails to [email protected]. If you’ve already shared any personal or financial information, contact your bank straight away.
WhatsApp account takeover scams
Action Fraud is reporting a sharp rise in WhatsApp account hijackings, where scammers trick users into revealing their six-digit verification code. Once inside, criminals lock out the real owner and message friends and family asking for money — often posing as the victim with messages like “Hi Mum, it’s me — I need some cash”.
To stay safe, turn on two-step verification in your WhatsApp settings by going to Settings → Account → Two-step verification → Enable. Never share your six-digit verification code with anyone — not even friends or family. If you receive an unusual message asking for money, always call the person directly to confirm it’s really them. Taking a few seconds to double-check could save you and your contacts hundreds of pounds.
Data breaches: why you need to stay alert
Recent data breaches at major brands — including Discord, Harrods and Renault — are a reminder that even trusted companies can be targeted by cybercriminals. When personal details such as names, email addresses or phone numbers are exposed, scammers often waste no time putting them to use.
Fraudsters may contact you pretending to be from the affected company, or use stolen information to make phishing emails and texts look more convincing. That’s why it’s vital to stay vigilant after a breach: watch out for unexpected messages, password reset requests or suspicious login attempts.
If you think your data might have been caught up in a breach, change your passwords immediately, enable two-step verification wherever possible, and keep an eye on your bank and email accounts for unusual activity.
Early warning: Christmas scams on the rise
With festive shopping starting earlier each year, scammers are already setting traps. Fake online stores, bogus delivery texts and too-good-to-be-true voucher offers are all making a comeback — alongside charity and gift card scams. Before you click, check or buy, take a moment to stop and think. If a deal or message doesn’t feel right, it probably isn’t.
Keep an eye out for our special Christmas Scam Alert, where we’ll reveal the most common festive frauds and how to avoid them.
Stay one step ahead
Sign up for Join the Claim’s newsletter for the latest scam alerts, prevention tips, and consumer rights updates – straight to your inbox. And while you’re here, don’t miss our new guide on how to spot app scams before it’s too late.
