Fraud accounts for more than 40% of all crime in England and Wales. On one Monday morning I was contacted by three different people wanting to steal my money.

All of us are vulnerable, especially if you are busy and start the week with hundreds of emails waiting for you.

Every day I hear from intelligent, competent people about the scammers who have tried to defraud them.

If you use email, telephones or social media the fraudsters find out very quickly when you are involved in a new business or activity.

We need to trust no one, secure our devices and beware of any generous offers.

Hosted on Acast. See acast.com/privacy for more information.