Scousers lost £1.1 million due to dating scams in 2022 - what to watch out for

This Valentine’s Day, people are being urged to be on their guard against dating scammers.

Victims of romance fraud lost a combined £88 million to criminals last year, with nearly 8,000 incidents reported to Action Fraud nationwide.

On Merseyside, Action Fraud received 138 reports of dating fraud, with victims losing a combined total £1,100,00, a figure that could be much higher, with many more victims thought to be too embarrassed to report the matter to police.

A statement on Merseyside Police’s website states that “dating and romance scammers lower their target’s defences by building an online relationship, then asking for larger and larger sums of money” adding that “well-meaning men and women have both fallen victim to this.”

Three high street financial institutions - Lloyds Bank, Nationwide Building Society and TSB - have all issued separate warnings and advice on what they call ‘romance fraud’ in the run-up to Valentine’s Day.

Liz Ziegler, Fraud Prevention Director at Lloyds Bank, said: “The convincing lies told by fraudsters mean that while romance scam victims think they are falling in love, they’re actually falling for a scam. As well as losing thousands of pounds they also have to deal with this emotional betrayal.

“The sad truth is there was never any genuine connection, with criminals ruthlessly targeting multiple victims at the same time, and disappearing with the money as soon as they get found out.”

The figures behind dating scams

Dating scams cost victims tens of millions of pounds each year - £88 million was lost in 2022 alone, an average of £11,000 per victim.

Perhaps surprisingly, given that younger people are assumed to be more digitally savvy, it is people in their 20s who are most likely to report a dating scam.

Nearly a fifth of dating scams (19%) were reported by people aged 20 to 29 last year, followed by people in their fifties (18%) and forties (17%).

Figures published by Action Fraud, which works on behalf of police in England, Wales and Northern Ireland, show men and women are both targeted by scammers fairly equally. Of the victims who revealed their gender to police last year, 51% were male and 49% female.

Looking at age and gender together, men in their 20s were most likely to fall victim to the romance scams, followed by women in their 50s.

The overall number of scams reported fell by 12% last year, to 7,938, but this is still well above the number reported in 2019 or 2020.

How a typical dating scam works

Scammers will usually target victims on social media platforms, particularly Facebook, or dating apps such as Tinder. They might then try to move the conversation onto another private messaging platform, like WhatsApp.

Typically they will come across as very caring and attentive, messaging back and forth – sometimes over a period of months – to build trust and give the impression that the relationship is genuine. The fraudster may have scoured social profiles to help persuade their victim that they are the perfect match based on shared interests or personal circumstances. Often they will claim to be living or working abroad to explain why they can’t meet in person. They might also invent reasons why they can’t turn their camera on during calls.

Eventually they will start to tell stories about family or legal issues, business problems or medical bills. They might appear reluctant to accept any help at first, or request smaller amounts, but this is all part of the con. Over time they convince their victim to send more and more money.

How to protect yourself from dating scammers

Action Fraud advises people using online dating services to:

• Be suspicious of any requests for money from someone you have never met in person, particularly if you have only recently met online;
• Speak to your family or friends to get advice;
• Perform a reverse image search on profile photos - this can find images that have been taken from somewhere else.

They also advise that you do not:

• Send money to someone you have never met in person, allow them access to your bank account or take out a loan for them;
• Invest your own money on their advice;
• Give them copies of your personal documents, such as passports;
• Purchase and send the codes on gift cards from Amazon or iTunes;
• Receive or send parcels on their behalf, such as laptops or mobile phones.

Signs that someone else might be falling for a romance scam

Family members or friends of online daters can play a crucial role in protecting their loved one from falling victim to a romance scam, according to Action Fraud. Here are some signs to watch out for:

• They may be secretive about their relationship or provide excuses for why their online partner has not spoken to them on a video call or met them face-to-face. They could become hostile or withdraw from the conversation when you ask questions about their partner
• They may express very strong emotions and commitment to someone they have only just met
• They have sent, or are planning to send, money to someone they have not met in person. They may take out loans or withdraw from their pension to send money.

If you think you’ve been a victim of fraud, contact your bank immediately and report it to Action Fraud online at police.uk or by calling 0300 123 2040.