There are many variations on scams which often start with unsolicited mail sent by post, over the phone or via e-mail, but however they operate, they are all designed for the criminals to make money at your expense.

Scams may tell you that you are entitled to money (often through a lottery prize); or that you are the unexpected beneficiary of a will; or seek your help in moving money out of another country.

Scams often have similar features that may alert you to the fact that they are not genuine.

• If it sounds too good to be true it probably is.
• You are asked for money up front to pay unexpected fees (such as customs) before your 'prize' can be released.
• You are asked to provide your bank account, credit card details or other sensitive personal information.
• You are put under pressure to reply immediately or the money will be given to someone else.
• You are asked to keep the details secret.