Common sense should alert anyone receiving this type of email that it is not genuine by answering the following questions:
- Is the link they use in the email a .gov URL?
No It's not.
- Why would HMRC need a credit card to rebate my tax?
- HMRC takes the tax money, via payroll, direct from my salary so why do they not address me by name?
The scammers do not know my name.
- I also received a notice of coding for the upcoming tax year by post and this does not show that I have overpaid my tax; is this correct?
Yes it is as they show my name and my address as well as the tax reference and my employer.
- As I pay tax on PAYE is it realistic that I have been overcharged tax?
- HMRC usually contact me by post using my name so why have they decided to use insecure e-mail?
HMRC would not use email to contact me.
Once the answers have been taken it is clear that the email is not genuine and should be deleted.
Quite a number of people have been taken in by this scam and lost money as a result.
Perhaps I am becoming cynical but I tend to question anything that is out of the ordinary. Of course there have been the odd occasion when I have been caught out but vigilance is paying dividends.
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