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Sadly pension savers in the UK are being increasingly targeted by scammers. Pension scams can be sophisticated and difficult to tell apart from the real thing. For specific guidance on scams, please visit .

Scammers usually contact people out of the blue, if you are contacted by anyone and you haven't asked them to get in touch, then that is almost certainly a scam. Cold calling about pensions is illegal in the UK.

Scammers will often contact savers offering free reviews, returns that are guaranteed or higher than you would expect, the ability to release your pension as cash, or different and unusual investments. If you are the victim of a scam you will lose all of your savings and not be able to get them back. You will also face a tax bill of up to 55% of the money you have lost.

If you want to check whether any Adviser or company that you are dealing with is authorised to provide that service, check .

If you believe you may already have been contacted by a scam, report this to , or to . If you are not sure and want some further guidance, then you should . 

Additional Information

 to give further information on scams and how to spot them.

MoneyHelper has produced a  which has some useful information and links as well as an emergency helpline number.