Action Fraud are warning that Universal Credit claimants should remain vigilant over a spate of new scams in which fraudsters send emails and texts pretending to be the Department for Works and Pensions (DWP).
The fraud prevention group have said that it has been getting reports of scams which target vulnerable claimants, urging people to make sure they don't lose all their cash to bad actors.
While some scams have seen frauds approach people in the streets with claims of being from Jobcentre Plus, some people have reported being contacted online via social media groups, direct messages and adverts, according to MoneyHelper.
However, you can make sure your cash is protected from hackers and scammers by following just seven simple rules. Here’s what they are.
Create a unique username and password
Universal Credit accounts can mostly be managed online, on an account different from any online banking services you use.
These accounts, which give claimants a way to report changes and send messages to officials, require you to create a username and password.
One of the first rules you need to remember to protect yourself from benefit-related online fraud, is to make your username and password strong and memorable
Don't click on links in emails or texts
Be aware that the DWP will never text or email asking for your personal information or bank details.
So, make sure you never click on links or attachments in emails and never respond to unsolicited messages and calls that ask for personal or financial details.
If you receive any suspicious emails, forward them to report@phishing.gov.uk and forward suspicious text messages to 7726.
Watch out for fake calls
When officials call you, they will usually leave a message in your online journal to let you know they are phoning and that you must be available for an appointment. So, be on your guard for unsolicited calls in case they are not genuine.
Also remember that you are expected to be around to answer the phone at the time the DWP says they'll call or you may get sanctioned.
Claimants have reported having their benefits stopped for months over missed calls, or sometimes even having their claim closed altogether.
Never write or share your password, even with your partner
Even if you make a joint claim for Universal Credit, do not share your username and password with anyone — even your partner.
It's always best to memorise your username and password instead of writing them down.
Set up some security questions
Setting up security questions is always an extra layer of protection on your Universal Credit account.
Answer a couple of them and you will be asked one of these questions every time you log in to your account.
Use two-factor authentication
Sometimes, a two-factor authentication may be needed. This is optional, but if you decide to do it you will be sent a passcode to your mobile phone.
You'll then have to enter this code on your account to get in. Unless you log in on the same device within 24 hours, you are always sent a new code each time you log in or use a new device.
Keep your personal security number safe
Claimants are given a 16 digit Personal Security Number (PSN) after the first Universal Credit interview with their work coach.
This is a personal security number, and it's important that people keep this number safe as it will be needed if you ever need to create a new password.
