They then charge you more and pocket the difference.Before you know it, £75,000 of a £100,000 pot has gone. The City regulator and HM Revenue & Customs are concerned and hundreds of fraudsters have already been blacklisted.
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They say you need to replace your debit or credit card because you’ve been targeted by fraudsters.
It may be that there was never any policy and you’ve simply paid for a bit of paper.
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Or you have been given a genuine policy, but the broker has cancelled it immediately after taking it out and pocketed the refund.
Alternatively, they may have fiddled with your personal details — such as your age, address, job or information about past claims — to get a cheaper price.
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