We could all do with a bit of a tax refund right before the festive season, and wouldn't you know it - HMRC have helpfully sent me a tax re-calculation to the tune of £496.50!
Or, to put it another way, they totally haven't.
Here's the missive in question:
It reads as follows:
TAX RETURN RECALCULATION OF YOUR TAX REFUND HMRC 2013 LOCAL OFFICE No. 3819 TAX CREDIT OFFICER: Elaine Andrews TAX REFUND ID NUMBER: 381716214 REFUND AMOUNT: 496.50 GBPThe email is from "Aplicant1", so hopefully the typo in the sender name would be the first clue that something is amiss (not to mention "compleate the HMRC refund form" - ouch).
I am sending this email to announce:
After the last annual calculation of your fiscal activity we have determined that you are eligible to receive a tax refund of 496.50 GBP To complete your Tax Return form with the ID Number: 381716214, please submit and compleate the HMRC Refund Form Click Here After completing the form, please allow us 5-9 business days in order to process it.
Still, free money is always a big hook. There's an additional email attachment but as the mail was caught in Outlook's spam trap, we can't extract to see what it is.
Many of these phishing scams tend to send a HTML copy of the linked website, hoping to snag anybody who doesn't trust clicking a link but does like the look of a shiny zip file.
As for the website, they encourage you to search for your allocated tax refund via your email, full name and DOB:
Next up: a "Searching" splash, designed to make you think that something is actually being searched for behind the scenes.
Finally, we come to the part where they ask you for pretty much everything under the Sun:
Address, city, post code, National Insurance number, bank name, sort code, account number and full payment information for your bank card including the security code.
They mention to wait between five and nine business days to process the refund, by which time they may well have cleaned out a victim's bank account.
This is the latest in a long line of HMRC scams we've seen. Don't fall for it, and keep your money safely in your bank account.