Thousands of UK state pensioners have been given a stark warning from HM Revenue and Customs (HMRC) about sophisticated scams that are currently circulating—some of which specifically target pensioners by impersonating official government departments, including HMRC and the Department for Work and Pensions (DWP).
This urgent notice forms part of a wider campaign by HMRC to help pensioners and other individuals stay alert to fraudulent emails, phone calls, and text messages that appear to be legitimate, but are actually designed to steal money or personal information.
Criminals Targeting State Pensioners
The warning emphasises how scammers are becoming increasingly refined, using language and branding that mimic official HMRC and DWP communications. According to HMRC, pensioners are particularly at risk, as scammers often deploy fear tactics concerning unpaid tax bills or suggest that the recipient is owed a pension-related rebate.
In some cases, fraudsters claim to be calling or messaging on behalf of HMRC regarding changes to personal tax codes, national insurance contributions, or pension entitlements. These scams can come in the form of:
– Phone calls demanding immediate payment
– Text messages claiming you’re due a tax refund
– Emails directing users to click suspicious links or provide login credentials
– Voicemails urging victims to call back under threat of legal action
Given the official tone and presentation of these messages, many individuals—especially older citizens—may find it difficult to distinguish between real communication and fraud.
HMRC: ‘Don’t Be Fooled
An HMRC spokesperson stated, “We’re seeing more evidence that fraudsters are targeting pensioners through fake tax rebate offers or threats of investigation. Our message is simple—don’t be fooled.”
To combat this threat, the department advises that individuals should never share personal details, such as their National Insurance number, bank information, or passwords, based on an unsolicited message or call. HMRC stresses that it will never request sensitive information via email or text message.
“Taxpayers should be cautious of emails or texts claiming to be from HMRC out of the blue, especially those offering a tax refund,” the spokesperson added. “These are likely scams. You should never click links or give out personal details.”
Action Fraud Warns of Rise in Tax Scams
The message follows a report from Action Fraud, the UK’s national fraud and cybercrime reporting centre, which revealed thousands of complaints across the UK related to HMRC impersonation scams. According to their data, over 25,000 reports were filed in a recent 12-month period involving suspected HMRC scams—with losses totalling millions of pounds.
The organisation is urging the public to remain vigilant and verify any communication by contacting departments directly through verified contact information.
How to Stay Safe
Pensioners and recipients of benefits are being advised by both HMRC and the DWP to use official channels when communicating with these departments. Here are practical steps people can take to help protect themselves:
1. **Verify the message** – If you receive contact out of the blue, do not respond immediately. Look up the official contact details and get in touch directly to verify.
2. **Do not disclose personal information** – Never provide banking details, full addresses, National Insurance numbers, or other sensitive information unless you’re sure you’re dealing with an official source.
3. **Avoid clicking on links** – Fraudulent emails or text messages may include links that install malware or direct you to fake websites. Always check the web address (URL) carefully.
4. **Use official websites** – Access HMRC’s secure services through their official portal:
5. **Report and inform** – If you suspect a scam, not only avoid engaging but report the attempt. This helps protect others and aids investigations into organised fraud activities.
Stay Updated and Informed
Experts suggest that public awareness is the most effective defence against scams. With criminals continuously refining their techniques, regular updates and access to verified information are critical.
HMRC and the DWP both maintain a list of known scams and regular guidance updates on their websites. The National Cyber Security Centre also offers cyber hygiene tips for individuals and businesses, which can be found here: [https://www.ncsc.gov.uk/section/advice-guidance/all-topics](https://www.ncsc.gov.uk/section/advice-guidance/all-topics)
You can also subscribe to HMRC phishing alerts to stay informed on trending scam tactics: [https://www.gov.uk/guidance/phishing-and-bogus-emails-hm-revenue-and-customs-examples](https://www.gov.uk/guidance/phishing-and-bogus-emails-hm-revenue-and-customs-examples)
A Growing Concern for an Aging Population
The effects of such scams on older citizens can be devastating—not just financially, but emotionally as well. Many pensioners may be managing limited fixed incomes and might fall prey due to a lack of familiarity with digital communication norms. For this reason, family members and caregivers are encouraged to raise awareness with vulnerable relatives and friends.
Financial crime expert Sarah Coles of Hargreaves Lansdown said, “Many scams are crafted with alarming precision. It’s vital that older generations—who may not be as digital-savvy—receive support navigating these communications.”
Conclusion
With the population of retirees steadily growing and more pension-related services moving online, safeguarding personal information has never been more important. HMRC’s message is clear: don’t be fooled.
Knowledge and vigilance remain the most powerful tools in protecting your financial future and staying one step ahead of fraudsters.
