Being aware of Scams

June 2018 is Scams Awareness Month – an annual opportunity to raise awareness of and tackle these cruel crimes. We hear from Emily Liddle, Campaigns Officer at Citizens Advice Scotland about what to look out for.


Spam emails, cold callers and suspicious activity alerts from your bank; unfortunately, scams and fraud seem to have become a part of our daily lives.

We want to reduce the risk and impact of scams by raising awareness and encouraging people to take action – recognising, reporting and talking about the issues.

Although anyone can be victim to a scam, there are certain groups in society that are more frequently targeted by scammers. Whether this is a young person being targeted via a social media pop-up tying them into a subscription trap or an older person who receives an unexpected visit on their doorstep from a trusted provider without credentials.

Scams aren’t just a minor inconvenience to people. Aside from financial loss, they can cause distress, misery and even if a scam has been avoided, it can lead to widespread loss of confidence.

Reporting a Crime

Underreporting and stigma continue to be barriers in scams and fraud. There are so many types of scams, with new scam tactics consistently emerging and tricking consumers; as well as scams that we don’t know about which makes it very difficult to help, prevent and support those who have fallen victim.

Whilst scammers are becoming increasingly more sophisticated, groups of people continue to believe they would never fall victim, feeling they could easily spot a scam, or know how to act. It is this sense of confidence that scammers target and makes people vulnerable.

 

What should you look out for?

  • Beware of offers that use persuasive language to sell you a ‘once in a lifetime’ deal.
  • Be cautious providing bank details and personal information over the phone, especially if the caller has called to speak to you from an unknown number.
  • Always ask cold callers on your doorstep to provide credentials, don’t be afraid to check ID thoroughly. Never be afraid to say ‘no thank you’ and close the door.
  • Be wary of emails asking you to provide personal information or to login to an online site.
  • Look out for deals you click online that take you to separate website, is this site secure? Look for a small padlock symbol next to the address bar – this indicates the site is secure.

What should you do if you have been a scams target?

If you think you have been a victim of a scam or suspected scam, don’t be embarrassed. A scam could happen to anyone.

  • Get advice: from your local Citizens Advice Bureau or call Citizens Advice Consumer Service on 03454 04 05 06 who can pass details on to Trading Standards.
  • Report: always report scams or suspected scams to Police Scotland on 101
  • Tell: friends, neighbours and relatives of any scams you become aware of
  • Go online: for advice on spotting, reporting and protecting yourself against scams: visit citizensadvice.org.uk/scotland/sam2018/

• • 75 is the average age of reported scams victims• Those over-70 have the highest reported detriment from a number of different types of scams • A third of all victims (1)

Scams Awareness Month is a campaign run by Citizens Advice Scotland in partnership with a number of partner consumer organisations such as Trading Standards Scotland, Citizens Advice, Advertising Standards Agency and Government.

Haud the bus!

Age Scotland’s Policy Engagement and Campaigns Officer, Simon Ritchie, is working with Transport Scotland to gather the views of older people on all things transport. This research is taking place via a series of Age Scotland Network Meetings right across Scotland in two phases – Spring and Autumn 2018.  Transport Scotland is reviewing the National Transport Strategy, first published in 2006, to ensure it meets the needs of society now and for the next twenty years.  

18342285_1440445112689121_8800983467175109032_nOn Saturday 24th March I travelled across the country to Helensburgh on the Eastern shore of the sparkling Gare Loch. I was on my way to a meeting of Grey Matters, a local Age Scotland Member group for older people which works to connect them with their community and ensure they have an enjoyable and fulfilling life. I was joined by my Community Development Team colleague, Charlie Murphy, as well as Daniel Lafferty and Jonathan Inglis from Transport Scotland.  They wanted to hear from the group members about their experiences and perspectives on public transport – feedback which will directly shape the revised National Transport Strategy for the next twenty years.

Scotland’s original National Transport Strategy was published in 2006. It had five main objectives:

  1. To promote economic growth
  2. To promise social inclusion
  3. To protect the environment and improve health
  4. Make journeys safer
  5. Improve integration in timetables and ticketing.

These objectives were to lead to three strategic outcomes: 1) improved journey times and connections, 2) reduced emissions and 3) improved quality, accessibility and affordability of public transport.

While its objectives remain every bit as relevant today as they were in 2006, it’s fair to say the world has changed considerably in twelve years, not least in terms of technology, and Scottish Ministers have decided that the time to shape a new National Transport Strategy is now.

Since 2016, Transport Scotland have been working with stakeholders to produce a loose framework for a revised NTS, or “NTS2” as it is referred to. 2018 will be the year that flesh is put onto the bones and that’s where our Age Scotland Network Meetings come in – we will be facilitating these presentations and collecting feedback from 18 Network Meetings right across Scotland this Spring and Autumn.

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Helensburgh was the first of these meetings. Daniel and Jonny kicked the meeting off with a presentation in which they gave an overview of Scotland’s transport system over the past 60 years. This helped to contextualise our current transport system and also showed how rapidly things can change.

Up next were questions for discussion. Group members were asked to share and discuss their views on questions such as “Why do we think transport is a vital issue for older people?” and “what do older people need from our transport system over the next 20 years? 

There was no shortage of constructive opinions and suggestions from the floor. Matters which were discussed included stop-skipping on our railways, limited evening bus service provision, dangerous accelerating and braking on buses, connections to hospitals and disabled access on trains and buses.

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Age Scotland is grateful to Transport Scotland for working with us to ensure that the voices of older people are listened to in shaping NTS2. We are also grateful to our Member Groups for allowing us the time in their meetings to discuss NTS2. Our first Meeting on 24th of March was a resounding success and we hope for a great turnout and engagement at forthcoming meetings around the country.

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Working with Transport Scotland and most importantly of all, the older people in our Member Groups, we at Age Scotland are looking forward to playing our part in Scotland’s National Transport Strategy is the best it possibly can be for people of all ages – including older people who deserve an enjoyable, mobile and well-connected later life.


For more information please contact Simon Ritchie – Policy Engagement & Campaigns Officer at Age Scotland on 0131 668 8047 or email communications@agescotland.org.uk

 

Later life in Scotland: Taking the long view’

On the 20th of March Age Scotland members, guest speakers and invited guests will come together at the Radisson Blu in Glasgow for our fourth National Conference. Elizabeth Bryan, Age Scotland’s Community Development Coordinator, shares the thinking behind this year’s theme ‘Later life in Scotland: Taking the long view’.


Age Scotland is proud to work with and for older people, including supporting our member groups as they work to make a difference in their communities across Scotland. For many years older people have come together to support their local community, used their collective voice to campaign for change, and worked to improve later life for future generations.

Our predecessor charity, the Scottish Old People’s Welfare Committee, was established in 1943, later becoming Age Concern Scotland and more recently renamed Age Scotland following the merger with Help the Aged. 2018 will be Age Scotland’s 75th birthday.

Big anniversaries offer us a chance to reflect, so at our national conference with the help of our guest speakers and workshop presenters we will explore the changes that have taken place and the progress that has been made in Scotland in relation to later life over the past 75 years. We will also honour the commitment and achievements of older people’s groups, and discuss what would make life better for older people today and in the future.

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There will be a variety of information stalls, time for our member groups to network and share their learnings with each other and a number of interactive workshops.

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The conference will culminate in the presentation of the 2018 Age Scotland Awards to recognise and celebrate the exceptional commitment and contribution individuals and organisations make to ensuring Scotland is a good place to grow old in. We’re delighted to be joined by Jackie Bird to present the Age Scotland Awards.

We look forward to welcoming Age Scotland member groups and guests from across Scotland for a day of discussion, networking and celebration. It’s set to be a fantastic day and is already over-subscribed! You can follow discussions on the day on our social media channels.


To find out more about becoming an Age Scotland member, please contact members@agescotland.org.uk

Money Matters: a new Age Scotland project

Age Scotland has received funding from the Money Advice Service for a new project: until February 2018 we are offering older peoples’ groups a choice of Money Matters roadshows.

We have four new people in the team: Jessica Shields our Evaluation officer, Fiona Scott our Project assistant, Cheryl Fowler who will be delivering most of our roadshows and Sam Longden who will support helpline advisers and improve our information about money matters.

We can deliver roadshows on a choice of subjects:

Benefit entitlements – did you know that 1/3 of people who are entitled don’t claim Pension Credit? Could you be missing out? Do you know how many ways there are to get help with your council tax bill? Might you be entitled to Attendance Allowance?

Care costs and funding – what does care cost? If you qualify for free personal and nursing care what is actually free? Is it true that most people have to sell their house?

Power of Attorney – what types are there? How do you choose your attorney? What are your responsibilities if you are an attorney and where can you get advice?

Wills and funeral costs – why should you write a will? Do you know what a funeral costs? How much help is available from the government? How can you save money on costs?

Planning for and managing financial changes – does your group support people who face particular challenges with money because of caring responsibilities, health issues or bereavement? We can look at how best you can manage financial issues which affect you, and learn from you too.

After the roadshows, people can call the Age Scotland helpline, 0800 12 44 222 for a confidential conversation with an adviser.

The aim of the project is to find out “what works”. So we will be working with you to find out what you know before and after roadshows, seeing how many people make follow-up calls to our helpline and, if you agree, contacting you afterwards to find out if you did take steps to claim a benefit, take out a Power of Attorney or plan for funeral costs. We really need the feedback about what worked and what didn’t work, and we will adapt our roadshows and information in response to what we learn from you.

We are looking for some groups to help us to develop our training and information, and we will also be asking professionals who work with older people what money issues they are raising, what they know about money concerns for older people and what would support them to guide older people to find advice and help.

For more information or to book a roadshow call the Age Scotland switchboard on 0333 323 2400 or email the team

Protecting those with dementia from scams

Today, 15th June, is World Elder Abuse Day – a day which aims to focus global attention on the problem of physical, emotional, and financial abuse of older generations. The 2017 theme underscores the importance of preventing financial exploitation.

In his guest blog Paul Holland, Principal Prevention Officer with East Renfrewshire Council talks about an upcoming project to develop a preventative approach to protect people with dementia from financial exploitation.


On World Elder Abuse Day it is important to recognise tackling scams and protecting older people from financial harm as a big part of promoting a good later life for all. This is something I am very much aware of in my role in The Prevention Team for East Renfrewshire Council.  I have seen the terrible consequences of older people being the victims of scams, but I’ve also seen the benefits to older people of taking relatively simple measures to protect them from nuisance calls and scammers.

Seeing the benefits to older people of protecting them from scammers made me determined to ensure that more is done throughout Scotland to protect vulnerable people from financial abuse. That’s why I am delighted to be the Co-Ordinator of a new project funded by the Life Changes Trust to work in collaboration with Angus and South Ayrshire Council, to develop a preventative approach to protect people with dementia from financial exploitation. We are also looking forward to working with Age Scotland’s Early Stage Dementia Project to ensure the Charity’s member groups have more information about our work, as it will benefit very many older people and not only people with dementia.

People living with dementia are at great risk of falling prey to scammers and carers are often very worried about how to prevent their relative becoming a victim of a scam, particularly in the early stages of dementia when a person still has capacity but may not always have sufficient understanding to exercise good judgement.

The aim of this project is to offer people with dementia an individualised, person-centred package to safeguard them from financial exploitation, on the doorstep, by telephone, by mail or online.

Each local authority area will bring together local and national organisations to develop and deliver a package of preventive measures, including practical solutions and various types of useful technology, for example, call blockers. Call blockers screen incoming phone calls and either block any unknown or unauthorised numbers or transfer them to a nominated family member or guardian.

It’s vital that all adults know about what can be done to protect themselves from scams, particularly older adults, as unfortunately it is often older people who are targeted, and scammers are becoming increasing sophisticated. You can find out more about our activity to stop scams on our website. This provides advice if you are worried that you, a friend or a relative may be vulnerable to scams; tired of cold callers at the door and on the phone; looking to hire reputable traders; or want to know how to keep safe and secure in the home and online.

Over the course of our project we are also looking forward to developing more advice and information for the Charity’s member groups. Working together there is a lot we can do to stop the scammers and ensure that there are fewer victims of financial abuse.

If you have been a victim of a scam or want advice about a suspicious contact telephone Citizens Advice Consumer Service on 03454 040506.  If in doubt check it out!

 

 

 

Now & Next: Planning for later life with Age Scotland

Age Scotland’s chief exec Brian Sloan explains why to truly love later life, you have to be prepared, as we launch our new brand for those aged 50-65.


 

“You get training at every stage in life except for retirement”. This was the opening line by Helen, a volunteer who was running a Planning for Your Future workshop, and around the room you could see the sentiment resonating.

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You go to school to train for college or work. Once in work, you never stop training to keep abreast of health and safety, company policy or any of the myriad of ways that help you to do your job. Yet when you retire, you’re given your leaving present and off you go. For most people, this means going from a structured 40 hour week to absolutely nothing; you’ve looked forward to retirement for years, now off you go and do it. Yet retirement isn’t a thing you can just do, and that’s where Age Scotland can help.

In July 2014, the former Scottish Pre-retirement Council and the Tayside Pre-retirement Council joined forces with Age Scotland. Since then, we have been offering Planning for Your Future workshops aimed at the 50-65 age demographic. It might be a bit of a stretch to get your head around but an older people’s charity was after a younger demographic! Up until that point, Age Scotland was seen as a charity for the over 65s, but to truly love later life then you need to start planning well before then. So we gave the format a revamp to make it more interactive, relevant and thought provoking for today’s 21st century 50-65 year old and created Now & Next as the brand identity to speak to this audience.

Now and Next

When I’ve been along to workshops, I hear so many people say they that they had hopes for retirement but were not sure how to achieve them. And whilst these workshops can’t promise to make your dreams come true, they can at least help you plan a course of action to achieving them. Whether it is financial, legal or health goals, if you only start planning the day before you retire you’re setting yourself up for a fall.

Helen is one of the volunteers that helps to facilitate the "Planning for Later Life" workshops.

Helen is one of our volunteers that helps to facilitate the “Planning for Later Life” workshops. Click here to find out more.

What’s more important is that planning for later life is not just about you. Living a balanced, happy and healthy retirement means you can improve the quality of life of those around you. Looking after grandkids, supporting your children or giving back to your community, later life should be the time you do what you want to do, so get on and plan it! If you want to know more about Now & Next visit our website, nowandnext.scot or watch Helen’s story (above). She’s one of the many volunteers who run our workshops, someone who has learned from the mistakes she made by not planning more carefully in advance and wants to help others step positively into their next life stage.


 

If you would like to find out more about Now and Next or the Planning for Later Life courses, just contact Stacey Kitzinger on stacey.kitzinger@agescotland.org.uk or call 0333 32 32 400.

“Disability Benefits” – March’s Hot Tips

Our free calendar “Hot Tips” aims to ensure everyone in Scotland knows about the organisations and services available to them, and how to make the most of later life.

March’s theme is “Disability Benefits” and aims to give a brief overview of the main disability benefits available to older people in Scotland. In this blog, Heather Smith, Age Scotland’s Information and Advice Manager, explains why this time of year is a good time to check your benefit entitlement. 


For benefits advisers, Easter isn’t just the time to eat chocolate, it’s also time to look at changes to benefit rates and encourage people to check their entitlements, as benefit rates change a little in the new financial year. Many older people do not claim the benefits they are entitled to, perhaps because of pride, or the negative stereotypes of “benefit claimants” in some media or because they have not understood the intricacies of rules and regulations. Some media outlets also try to stir up disputes between generations by saying that older people are “well off” – some older people are, but others have had difficult lives where the idea of saving for the future had to take second place to day-to-day budgeting to pay everyday bills and expenses.

The main benefits for older people are State Retirement Pension, Pension Credit and Attendance Allowance.

State Pension

There is still some confusion about State Pension Age. This used to be 60 for a woman and 65 for a man, but the age for women is increasing fast and is now 62 ½, which can be a shock to a woman who in the context of a busy life has not kept an eye on welfare reform changes. The main change at 60 is now the “entitlement card” for concessionary travel, which in Scotland is not tied to the changes in State Pension Age.  There will be changes to State Pension in April 2016 when the rate will become “single tier” and number of qualifying years will change – this doesn’t affect anyone who is already getting their state pension.

Pension Credit

The age for anyone claiming Pension Credit is pinned to the increases in State Pension Age for a woman, so many people may be unsure about when they can claim. Our helpline Silver Line Scotland can track down the relevant date for you and help you to have a look at whether your income, capital and other circumstances mean that you are eligible to make a claim. Call them for free on 0800 4 70 80 90.

Attendance Allowance

Attendance Allowance is the benefit for people who are 65 or over who need help with care or supervision. Many older people who could be entitled do not make a claim because they want to feel independent or they are just getting by without help. Others who do claim may not explain their needs effectively. They may have made gradual adjustments to their expectations as their health has deteriorated and their need for care has increased.

Attendance Allowance is based on the care you need, not the care you actually have. It can be claimed regardless of your income and capital, and you can spend it how you choose to. For those aged under 65, there is a different benefit called Personal Independence Payment.

From the calls we have had to our helpline, Age Scotland knows that many people like to have the facts about benefits clear in their own minds before talking to an adviser or making a claim for benefit. If you think or someone close to you may be entitled to make a claim, get in touch and a Silver Line Scotland Adviser can talk you through your right, on 0800 4 70 80 90.

Download your 2015 Hot Tips Calendar here and get information and advice throughout the year. Here’s what you’ve thought about Hot Tips so far:

  • “Thank you for the calendar – useful & attractive”
  • “Thank you for caring”
  • “I do not think you could do any better. This is wonderful”

Download yours today!