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I have actually been contacted by my bank and I feel embarrassed to say that as it was a man with a nigerian accent, when he asked to check some security details with me I refused and said I would rather phone the bank and check that he was who he said he was. It turned out he was from the bank but I thought it was better to be safe than sorry.

How do I stop scam callers getting through on my home telephone - to "fix my computer" etc?

We were called by a company regarding "investments" which were obviously bogus. After we received a brochure from them we contacted the Serious Fraud office, but they said that because we had not been defrauded they could not do anything. Shouldn't they be more proactive in preventing fraud rather than waiting until someone had been defrauded?

If a friends email account seems to have been hacked and I’ve received a message that’s clearly not from my friend, am I also at risk ? + GrannyA’s question too.

I used to think I was quite good at spotting scam emails, but I am finding ever increasingly sophisticated ones made to look like they're from the bank I am with, so much so I have had to ring my bank to check with them just to be sure with not wanting to click on anything in the email. What is the easiest, and safest way to determine it is 100% a scam email without putting anything at risk to find out? I fear these scammers are becoming better all the time so would like to try and be one step ahead!

Is it inevitable that the goodies will always be one step behind the baddies and will it ever be possible to design out this kind of crime?

When I was the victim of identity theft, I felt it was up to me to prove that I wasn't the criminal, I want to know what the banks are going to do to help their customers. It seems to me to be too easy for the criminals to get away with this?

What would be the your top 5 things people can do to prevent becoming a victim of identity theft and fraud.

When you receive a phone call and you know straight away it is a scam i.e. "Your computer has a virus" Should you say anything or just hang up without speaking?

How safe is it to make contactless payments?

My godmother ( who has never owned a washing machine in her life! - does all her washing by hand. ) was called the other day to be told that the warranty on her washing machine had expired, and that they needed her back details to set up another three year warranty for her. Lucky in her late 70's but still cognitive and knowing they were onto a scam asked them what brand of washing machine she has to which they replied Bosch. They had a shock when she turned to them and said she'd never owned a washing machine in her life!! How ruthless are these scammers! Its disgraceful!

I worry all the time about giving my card details over the phone or internet to pay for items. What if they write my details down or pass them on, I couldn't afford for anyone to take money out my account. I have overdraft facilities but don't use them unless its an emergency but could they take all this money out if they got hold of my details.

I'm too frightened to answer my telephone at home because I get so many scam calls. How do I stop these calls?

How much information does someone actually need to commit identity fraud? Could they gain what they needed from filling in a form to enter a prize draw or similar? As someone who enjoys entering competitions this is a big concern for me.

I recently received an e-receipt to my email address which also addressed me by name. Is this a scam or is it a genuine mistake by the store - i.e. do they select the details from an email database at the tillpoint and perhaps selected the wrong one?

Where can I report scam phone calls? Or is it a waste of time?

Wow, there are some great questions on here. It really does focus on how cyber vulnerable we are these days with the increase in technology.

I can't think of a great question right now but I'm looking forward to the replies to some of these.

I've had emails saying I'm due a tax refund mentioning an amount. It certainly looks an authentic email from HM Taxes but on checking with them it is a scam. They are still trying to contact me from time to time but I always delete them straightaway.

I get the odd letter /circular now and again with someone else’s name on it.
I ring the companies concerned and they don’t seem too worried. Should I be? I’ve lived here for 30 years from the House being new

I like to think I can recognise scam phishing emails and am constantly blocking them especially if they are from a company I don't have an account with and many I report but they just seem to bounce back another day under a different email address. How can they be blocked permanently, particularly ones trying to sell me Viagra, penis extensions etc!!!!

I agree with "Cathryn1* I also do not like to pay for goods over the phone using a bank card. They have my personal details so what else can they do?

I do a lot of shopping on Amazon and I was worried about giving bank details on line so what I did was to set up a separate account with a small amount of money in it eg £200. I would not like to lose that but it is preferable to losing thousands. I can always top up that amount if necessary.

Open Banking - how safe is it? Card scamming - recently when abroad all our credit cards were used to purchase items (not by us) and we still had the cards! Swift work by the card companies meant that the fraudsters didn’t get much but how did they get the info? From the Internet or from scamming at the airport? Very careful to use VPN etc at airports when on open Wi-fi.

Is there a central site for reporting scam calls/phishing no matter what the source? Also I can't help feeling that the new Open Banking system,which in theory should be helpful,may turn out to be an easier way for criminals to obtain my details. Am I being too pessimistic?

If I am a victim of fraud who is there to help? Because recently I was a victim of a scam but the police were not interested.