Dealing with Unsolicited Text Messages: Accident Claims, Debt Management or PPI
We are aware of a spate of unsolicited text messages (SMS) relating to accident claims, debts or missold PPI. The companies sending these are seeking to solicit genuine leads which are then sold on to management firms.
Messages typically begin with the words: 'FREE MSG: Our records indicate that you are [or 'you may be'] entitled to ...' and will then state a sum of money that can be claimed. We do not believe that these companies hold any records about individuals, but are using the phrase to mislead the recipient.
What should I do if I have received such a message?
Our advice is to ignore it and not respond in any way. The companies behind these messages are looking to earn money from leads. If there are no leads, then it will no longer be viable to send them.
Will it cost me money to receive the messages?
We have not seen any examples where such messages will cost anything to receive. If the message comes from an 11 or 12 digit number (it will look like a mobile number) then no charge has been made if you received it in the UK. Similarly, if the message sender shows a company name you will not be charged to receive it in the UK.
Only messages sent from four, five or six-digit numbers can make a premium charge to your phone. If you believe this has happened, then contact your operator's customer services department. You can report any premium rate messages to the regulator, PhonepayPlus
Can the message damage my phone or collect any information?
If the message has a standard SMS icon then it is safe to open it and should not cause any damage.
However, if the message prompts you to open a link, or it has a link to click on, then avoid doing so. If in doubt, simply delete the message without reading it.
Who should I report it to?
You can report it to your network operator, who may be able to prevent further spam from the originating number.
Unfortunately as the numbers often change, they cannot guarantee to stop all unsolicited messages. You can either contact your network operator's customer services or use one of the reporting numbers below: