Date: 3 February 2012

Lots of people have problems with scam mail. This might be letters, emails or text messages trying to get you to join a scheme and con you out of money. Schemes to watch out for include fake lotteries, get rich quick schemes or bogus health cures.

Some of the tell-tale signs of a scam are:

• extravagant promises – if it sounds too good to be true, it probably is
• you're asked to pay for something upfront. For example, you have to pay a fee to claim a prize
• you're put under pressure to make a quick decision. For example, an investment opportunity will end unless you pay straightaway
• you're asked  for your bank account details or other personal information.

Don't give out your bank details or other information, such as your name and address, to anyone you don't know. If you give out your bank details, money could be stolen from your account. Personal information can be used to steal your identity.

If you receive scam emails or letters, don't reply. If scammers get a reply, they'll try and send more messages.

If you've lost money to a scam, report it to the police and Action Fraud, the national fraud reporting centre on 0300 123 2040.

You can find more information about scams and how to protect yourself on the Directgov website at www.direct.gov.uk