Posted by Victoria Strauss for Writer Beware®

I've been expending a lot of words and time lately warning about the latest scam phenomenon to hit the writing world: fake publishing and marketing companies that, through outrageous prices and worthless services, extract enormous amounts of money from unwary writers.

Based in the Philippines (despite their apparent US addresses, phone numbers, and telemarketer names) and focusing primarily on small press and self-published authors (particularly authors who've published with one of the Author Solutions imprints), these companies recruit writers with relentless--and highly deceptive--phone and email solicitations. Some do provide the services authors pay for, albeit at seriously inflated prices and often of poor quality. Others just take the money and run. I'm hearing from a growing number of writers who've paid five figures in fees to one--or, in some cases, more than one--of these scams, with next to nothing to show for it.

Given how fast the scams are proliferating (I learn about a new one every few weeks), I thought it would be helpful to gather all the information I've put together about them in one place.

My posts about the scams--where they come from, how they work, and how to recognize them:

- Army of Clones: Author Solutions Spawns a Legion of Copycats
- Army of Clones Part 2: Twenty-One (More) Publishing and Marketing "Services" to Beware Of
- Solicitation Alert: LitFire Publishing
- Amelia Publishing and Amelia Book Company: Sons of LitFire Publishing
- Solicitation Alert: Book-Art Press Solutions and Window Press Club
- Solicitation (and Plagiarism) Alert: Legaia Books / Paperclips Magazine

Here's a list of the scams themselves--at least, the nearly 100 I've identified so far (the list is also posted in the sidebar of this blog). You'll note that a number of them operate under more than one name--I suspect the interconnection is much greater than this, but I've only indicated the additional names where I've been able to reliably document them.

Some have perished since I began the list--I've noted this, but left their names, for the sake of authors who may have been scammed while they were operational.

- Access Media Group (aka Quill Space Media)
- Ace Media Creative Publication / Ace Media International / APM Media Production (aka Pearson Media Groups)
- ADBooks Media (aka Coffee Press / Okir Publishing, which is defunct)
- Alpha Books Solutions
- Alpha Books United
- Amelia Publishing / Amelia Book Company (aka LitFire Publishing / GoToPublish)
- AnalytIQ
- Ascribed LLC (defunct)
- Author Aide
- Author Codex (aka BookSpine Press)
- Author Media Express
- Author Pro Creatives and Marketing (defunct) (still doing business as Matchstick Literary)
- Author Reputation Press
- Author University
- AuthorCentrix (formerly BookBlastPro)
- AuthorLair
- Author's Note 360
- Authors Press (aka Westwood Books Publishing [formerly Greenberry] / Creative Books)
- Beacon Books Agency
- Black Lacquer Press & Marketing
- BooConn Marketing
- Book Agency Plus (aka BookTrail Agency)
- Book Art Press Solutions (aka Window Press Club / Booktimes)
- Book Avenue Publishing (aka Nivra Press, which is defunct)
- Book Magnets
- Book Reads Publishing (defunct)
- BookSpine Press (aka Author Codex)
- Booktimes (aka Book Art Press Solutions / Window Press Club)
- BookTrail Agency (aka Book Agency Plus)
- Book Vine Press
- Books Scribe
- BookVenture Publishing
- BookWhip (aka Carter Press / PRM Solutions)
- Box Office Media Creatives (aka Buzz Media Creatives)
- Bright Lights Distribution
- Buzz Media Creatives (aka Box Office Media Creatives)
- Capstone Media Services (defunct) (now doing business as Stampa / Stampa Global)
- Carter Press (aka BookWhip / PRM Solutions)
- Chapters Media & Advertising (aka Techbooks Media)
- Coffee Press (aka ADBooks Media) (formerly Okir Publishing)
- Creative Books (aka Westwood Books Publishing / Authors Press)
- Creative Titles Media  (aka TrueMedia Creatives)
- Crest Media Distribution
- Diamond Media Press
- Dream Books Distribution
- EC Publishing
- Editor's Creative Media (aka Editor's Press and Media)
- Editor's Press and Media (aka Editor's Creative Media)
- Global Summit House
- Gold Touch Press
- Golden Ink Media Services
- Goldman Agency
- GoToPublish (aka LitFire Publishing / Amelia Publishing / Amelia Book Company)
- Happy Media Consulting
- Haynes Media Group
- IdeoPage Press Solutions (aka The Writer Central)
- Legaia Books
- Lettra Press
- LitFire Publishing (aka Amelia Publishing / Amelia Book Company / GoToPublish)
- Maple Leaf Publishing
- MatchStick Literary (aka Author Pro Creatives and Marketing --defunct)
- McNaughton Books / McNaughton Publishing (website is currently dead)
- Netsfilm & Media Press
- New Leaf Media
- New Reader Media
- Nivra Press (defunct) (still doing business as Book Avenue Publishing)
- Okir Publishing (defunct) (still doing business as ADbook Press / Coffee Press)
- Outstrip (defunct)
- PRM Solutions LLC (aka Carter Press / Bookwhip)
- Pacific Books
- PageClapp Media
- PageTurner, Press and Media
- Parchment Global Publishing
- Paradigm Print
- Paramount Books Media
- Pearson Media Groups (aka Ace Media Creative Publication / Ace Media International)
- Press To Impress Publishing
- Pubkits.com
- Quill Space Media (aka Access Media Group)
- Readers Magnet
- Royale House (defunct)
- Rushmore Press
- Sherlock Press (defunct)
- Silver Fox Media
- Stampa / Stampa Global (formerly Capstone Media Services)
- Stonewall Press (aka Uirtus Solutions) (both defunct)
- Stratton Press
- Techbooks Media (aka Chapters Media & Advertising)
- Toplink Publishing
- TrueMedia Creatives (aka Creative Titles Media)
- Uirtus Solutions (aka Stonewall Press) (both defunct)
- Universal Book Solutions
- URLink Print and Media
- Vivlio (a.k.a. Vivlio Hill, Vivlio Hill Publishing, Vivlio Solutions, Vivlio Marketing Solutions)
- WestPoint Print and Media
- Westwood Books Publishing (formerly Greenberry) (aka Authors Press / Creative Books)
- Window Press Club (aka Book Art Press Solutions / Booktimes)
- WorkBook Press
- The Writer Central (aka IdeoPage Press Solutions)
- YourOnlinePublicist
- Zeta Publishing

(I'm continuously updating this list--adding new companies as I discover them, noting the ones that disappear.)

I know my warnings are having an effect, not just because I'm hearing from writers who've found my posts or my list and have been able to avoid being ripped off, but because some of the scams are getting...a little defensive. Book-Art Press now includes this in its solicitation emails:
The links are to anti-Writer Beware screeds from people WB has exposed.

The grievance is definitely on display in this one, from MatchStick Literary (it also showcases the scams' trademark fractured English):

See ya at Writer Beware, scammers!

UPDATE 12/10/19: I want to highlight this recent comment, which illustrates how ubiquitous and persistent these scams are. Bottom line: if you self-publish, you can count on being solicited. Be on your guard. (By "GoTo", I'm assuming the commenter means GoToPublish.)

Posted by Victoria Strauss for Writer Beware®

Selling film rights to Hollywood is among writers' most fevered dreams. And where there is something that writers want or need, there are always sharks waiting to take advantage.

The Hollywood book-to-screen "marketing" package was pioneered by Author Solutions, way back in the early 2000s. All the Author Solutions imprints offer it, including the imprints AS runs for publishers. Here's what the package looks like, from AS imprint Xlibris:

• Hollywood Ticket: coverage by a "professional reader." Cost: $999.00.
• Hollywood First Act: a synopsis, "critical analysis", and "45- 60-second teaser Book Video" for "catching film executives' attention". Cost: $2,999.00.
• Hollywood Director's Cut: an 8-10 page treatment by a "professional screenwriter", plus "consideration" by Author Solutions' "first-look Hollywood partner". Cost: $3,899.00
• Hollywood Producer's Pick: this is the big kahuna, a full screenplay written by a screenwriter, plus consideration by AS's first-look partner. Cost: $16,299.00. Note that the screenplay is based on "your approved Hollywood Treatment", which you must previously have purchased--so the real cost of this option is $20,198.00.

Although a handful of other assisted self-publishing companies have offered similar packages over the years (here's the one from Bookstand Publishing, for instance; Outskirts Press also had one for a time, though it seems to have been discontinued), Author Solutions hasn't faced a lot of competition in the high-priced Hollywood dream exploitation business--primarily, I'm guessing, because of the cost and coordination involved in providing the coverage, critiques, treatments, and screenplays to the authors who buy them.

That's changed recently, though.

An explosion of book-to-screen "services" has hit the internet, courtesy of the Author Solutions copycat scams that I've been writing about so much lately (there's a complete list in the sidebar). Author Reputation Press, Coffee Press, Dream Books Distribution, Media City Publishers, Paramount Books Media, Book Art Press, New Reader Media, BookVenture, Pearson Media Groups, MatchStick Literary, and more all offer some version of the Author Solutions book-to-screen package, either on their websites or in their (extremely aggressive) phone and email solicitations.

The value of any book-to-screen package is highly debatable, regardless of who provides it. Vendors of such "services" play on authors' dreams of making it big, while failing to provide any kind of realistic information about the extreme unlikelihood of success. Most books never sell or option film rights (they're among the subsidiary rights least likely to be exploited, even for successful authors with top-flight agents), and it's far harder to sell a screenplay than it is a book manuscript. For most authors, the most probable result of buying a book-to-screen package is a smaller bank account.

And that's assuming that the vendor actually provides the advertised services, and doesn't just take the money and run. Author Solutions, at least, does seem to produce the coverage, etc., it sells, in a reasonably literate manner (you'll see some examples if you read on)--though of course, like paid reviews, the critiques and coverage are likely to be customer-friendly--that is, unrealistically positive.

The copycats, on the other hand...they don't exactly have the greatest track records for quality, reliability, or service. Or honesty.

An example: Universal Book Solutions, which styles itself "a Book-to-Screen Marketing Professional, with years of experience in working for motion picture projects for producers, agents, directors, and major studios in Hollywood." As usual with the Author Solutions copycat scams, there's no information that would allow you to verify any of these claims--no list of owners or staff, no company history, no examples of successful projects. That's no accident, of course.

A sensible person might also wonder about the quality of written materials produced by a "Book-to-Screen Marketing Professional" that puts out website text like this (English-language lapses are one of the markers for the copycat scams):


Here's how UBS's slightly more literate email pitch begins (I've seen two of these now, and they're identical):

The email goes on to detail the services on offer--news release, coverage, treatment, and screenplay--in language that has been lifted directly from the Xlibris (and other Author Solutions imprints) book-to-screen package. As further inducement, a bunch of glowing--and conveniently unverifiable--quotes are appended at the end. Turns out that these too have been lifted, though from a different (and, in its way, equally questionable) source.


Anonymous testimonials are the best kind, right?

Last but not least, UBS includes several attachments--supposedly, examples of its work:


"Sample coverage" is this. Looks surprisingly literate and detailed, doesn't it? But wait. Here it is again...on the iUniverse website (the book was published by another Author Solutions imprint). Ditto for UBS's "sample treatment:" here's what UBS sent. Here it is at iUniverse (which also published the book in question).

(As for The Little Prince screenplay, I can't find any evidence of it online, but given all the other borrowing, it's sure to have been snitched from somewhere.)

So...a plagiarized book-to-screen package, promoted with plagiarized text, further promoted with plagiarized testimonials, and finished with sample documents produced by others and falsely presented as UBS's work. If you hand over your money to these folks (neither of the authors I heard from went far enough into the process to get a price), what do you think the odds are of getting any of the promised products?

Universal Book Solutions claims a Florida address (per a Google search, it's a private residence in what looks like a condo community), but has no business registration in that state. Its web domain was registered just last February. As for Allen Gardner, Project Manager, guess where he's located.
UBS is an especially egregious example of this increasingly common scam. But as noted above, there are many others, and they are aggressively soliciting authors, especially those who have published with Author Solutions imprints, small presses, and pay-to-play companies like Christian Faith Publishing and Page Publishing. Be on your guard, and if you hear from a company that wants to take you to Hollywood--for a price--remember that if it sounds too good to be true, it probably is.

For a much more realistic discussion of the book-to-screen process, see Jane Friedman's excellent article, How a Book Becomes a Movie. Scroll down to the final comments to see one from a writer who was solicited by Universal Book Solutions.

Posted by Victoria Strauss for Writer Beware®

How do scammers entrap unwary writers? The other day, an especially egregious example came across my desk, in the form of this "proposal" shared with me by an author who really, really wanted to believe it was real (I've redacted the author's name and book title to protect their privacy).


Not to beat a horse, dead or otherwise, but if you'll glance at the sidebar, you'll see that Alpha Books United is on Writer Beware's big list of Philippines-based Author Solutions copycat publishing and marketing scams. (When I got hold of this proposal, on September 26, Alpha Books' website was working fine, but when I checked it today it refused to load. "Mr. Ken Davis", however, has not stopped emailing and calling the author who contacted me.)

(UPDATE: Just a few hours later, Alpha Books' website is back online. Check out its specifics-free About Us page, on which it tells the following lie: "Once you’re earmarked, we open the possibility for you to be eligible for a non-contributory agreement with us.")

Here's the bait. Author empowerment! Amazing expertise! Commitment! Relationships! Sounds good, right? (Other than the complete lack of any verifiable specifics, of course.) Like most scammers, Alpha Books is counting on establishing a direct line to the author's deepest hopes, dreams, and ego.

Note that there's no mention of money. The initial phone calls and emails sent by "Ken Davis" didn't mention money, either.


Here are the "PUBLISHING Inclusions" supposedly on offer (only "if needed", of course!). Kind of bare bones basic, right? But for an author who isn't all that savvy about what goes into design and production, it hits the high spots: cover design, print and ebook format, and the all-important "content evaluation," which Alpha Books is hoping the author will wrongly interpret as "editing".

Again: no mention of money. That will come later, after the author has responded with interest to what they may believe is an amazing offer, especially if it's accompanied by flattery about how their book has been "discovered" or "recommended" by "book scouts" or "literary agents". These scams are successful in part because they solicit so relentlessly, but also because they have an acute grasp of author psychology. They know that it's easier to hook victims if you first get the victims to hook themselves.


And here is the pack of lies. Well, pretty much everything the scammers offer is a lie, but these are mostly slant lies: they could be true (it's just that they aren't). Alpha Books, on the other hand, distinguishes itself by going well beyond the usual obfuscations and half-truths with a great big alternative fact: guess what, we have access to Penguin Random House! Which will pay you $40,000!

If Alpha Books' previous phone calls and emails haven't convinced the potential victim, this magic name surely will. It's an especially sneaky tactic because there really is an Alpha Books associated with PRH: it's under the umbrella of the DK imprint, and publishes, among other things, the popular Idiots Guides series.

Of course, to anyone who knows a little bit about publishing, Alpha Books' claims about PRH are laughable:


The author who received this pitch nearly fell for it. Only when "Ken Davis" told them they'd have to pay $7,000 for this wonderful opportunity (the "true" cost being $19,000, of which Alpha Books would supposedly defray the bulk) did they start to balk. At that point, this happened:


As brazen as most of these scams are, this is just about the worst I've seen.

Fortunately the author contacted me, and I was able to convince them they were being scammed. (It wasn't the first time: they'd originally published with one of the Author Solutions imprints, and had previously been solicited by scammers Bookwhip, Stonewall Press, and True Media Creatives.)

I'm guessing that at least a few of my readers will be thinking "Well, if someone is that naive/ignorant/unwary, they deserve what they get." Believe me, I get frustrated too with writers' gullibility, and in particular with how many writers fail to educate themselves about publishing and self-publishing before trying to publish. But no one, no matter what, deserves to be deceived and ripped off by a pack of con artists.

That's why I keep doing what I do. Suck it, scammers.

Posted by Victoria Strauss for Writer Beware®

When is a literary contest not a literary contest?

When its purpose is to make money for the contest sponsor. Alternatively: when its purpose is to assemble a list of likely customers.

Take the online book competition (or book literary contest, or books competition--it doesn't seem to have an actual name) recently announced by Legaia Books, a publishing and marketing scam I've featured on this blog. Here's one of the solicitation emails that are going out:


Sound tempting? Here are all the reasons to kick this "contest" to the curb.

1. Legaia is a scam. This company--which claims a North Carolina address but really operates out of the Philippines--exists to rip off authors. That's really all the reason you need to give this contest a miss...but let's move on.

2. It's a scam within a scam. Legaia's contest has all the elements of a profiteering awards program--a different kind of scam, whose template Legaia is borrowing as a way to make some quick bucks and boost its customer list. Here are the markers:

• Solicitation. See the email above.
• A fat entry fee. You have to dig into the contest guidelines to find this: $40 for entries now, $70 for entries after May 11.
• Policies designed to maximize entries. Most profiteering awards programs offer dozens or scores of entry categories, in order to attract the largest number of entrants and thus the biggest pot of entry fees. Legaia's contest doesn't have categories--but it's "open to all aspiring and established authors", which, combined with what is doubtless a sizeable email solicitation campaign (Legaia is a prolific spammer), is basically the same thing.
• Mystery judging. The prestige of a literary competition is tied, in part, to the reputability of its judges. If the judges' identities aren't revealed, you have no way to know whether they have any credits or experience that would qualify them to be judges. They could be just the contest sponsor's own staff--or no one at all. Legaia's guidelines include multiple mentions of "judges" but, in true scam contest style, no names.
• Opportunities to spend more money. This is where entrants' email addresses--which are required for entry--come in handy; non-winners will almost certainly be solicited to buy Legaia's publishing packages and other services. (Contest guidelines also invite entrants without a book cover to "call us for a professional book cover.")
• Worthless prizes. Profiteering contest sponsors avoid cutting into entry fee income by offering "prizes" that cost them little or nothing to provide. Legaia is no exception. Given that its services are overpriced and substandard, a "Free Book Publication Coupon" is more like a lump of coal than a Christmas present. The "Seal Awards" aren't actual seals--just digital images. Winners are promised a "pitch program" that will expose them to "literary offices and film productions"--despite the fact that Legaia can't cite a single "literary office" or film studio that has ever picked up a book thanks to its (likely nonexistent) efforts. As for the "Marketing Platform worth $15,000"...Legaia offers only junk marketing ("marketing" that's cheap to provide, can be sold for giant markups, and is not effective for book promotion), so the actual worth is closer to zero. 

3. You have to work. In addition to submitting "your (a) manuscript, (b) synopsis, (c) book cover (front and full)" the contest guidelines indicate that there will be a public voting phase (see #7 and #8), which means you will have to bug your friends and family and annoy your social media followers with multiple vote-grubbing posts and announcements. Additionally, you must create a "pitch to the judges" which is "one of the criteria in the second phase of the contest as indicated in Rule 8". You have the option of making a video or using Legaia's "Free Pitch Template," whatever that is; the guidelines offer no guidance on length, content, or anything else.

4. Nobody has heard of it. The supposed benefits of a contest win or placement are often touted by sketchy contests or awards as one of the benefits of entering (not to mention a justification of a big entry fee). You'll be able to tag your book as an "award-winning book" and yourself as an "award-winning author". It'll impress agents and editors! It'll bring visibility to your work! It'll increase sales!

Most contests, however, don't have the prestige or name recognition to accomplish any of that. Agents and editors are well aware of how many dodgy contests are out there competing for writers' money; "I won Grand Prize in this contest you never heard of!" is unlikely to impress them. As for readers and book buyers, how much they care about award and contest wins is an open question--especially, again, where they've never heard of the award or contest. Is it worth $40 (or $70) to you to test that question?

5. A serious lack of literacy. Both the email solicitation reproduced above and the contest pages on the Legaia website are littered with grammatical and other errors (like its many brethren--see the sidebar--Legaia is based overseas). This really shouldn't need saying, but the sponsors of an English-language contest for English-language books should be able to demonstrate a good command of English.

Any one of these factors should be enough to at least cause you to give this contest the side-eye. Taken all together, they add up to a giant, screaming red flag.

My own feeling about literary contests is that they are mostly a waste of time (even if not of money). Scams and exploitation abound in this space (if you're a regular reader of this blog, you know how many posts I write about problem contests). Even where the contest is legit and doesn't have "gotchas" in its guidelines, those that can genuinely benefit your writing resume are a tiny minority. Again in my opinion, writers' time is better spent on publishing or submitting for publication.

That said...if you still are attracted by contests, there are resources on the Contests and Awards page of Writer Beware to help you research ones that won't rip you off. Also be sure to use the search box in the sidebar to search this blog for any contests I may have written about, and feel free to email me with questions.

Complaints soar over useless face masks, handmade sanitisers and school meal scams

• Coronavirus – latest updates
• See all our coronavirus coverage

More than 500,000 unusable face masks, and a garage selling fake Covid-19 testing kits, are among the hundreds of frauds investigated by trading standards officers since the start of the lockdown.

According to the Local Government Association, fraudsters have gone into overdrive during the past six weeks to exploit the public’s fears and the fact that they are stuck at home.

Continue reading...

We love nothing more than when a shady, greedy, all around bad landlord gets dealt the justice that was coming their way. It's a welcomed moment to see the tenant come out victorious over the landlord's stupid antics.

More than 160,000 suspicious emails have been reported to a new scam-busting service in two weeks.

How Indian call-centre scammers justified tricking Western victims out of hard-earned money.

Sagar Thakkar, the mastermind of the Mira Road call centre scam, always knew how to make money, but never learnt how to hold on to it. "The real masterminds are free. I got caught because I showed off my wealth," said the 26-year-old who appeared on the police's radar after he bought a Rs 2.5-crore Audi owned by Virat Kohli.

"Buying a second-hand Audi R8 was not a big deal for me. I didn't even know it was Virat's car," said Shaggy."I had planned to return the car within a few days, but by then I had been arrested."

Started young
"I was only 15 when I started working, due to a financial crisis at home. I used to sell Chinese hard disks and flash drives at cheap rates. I had a dealer in China from whom I would buy my stock. Initially, no one would buy from me because I was so young, so I started selling the gadgets really cheap. Within a couple of years, I was sending shipments as far as Canada."

It was this business acumen that impressed the original ringleaders of the IRS racket, who eventually hired Shaggy to work at one of their bogus call centres when he was about 18. He would eventually go on to operate such call centres in Mumbai and Ahmedabad, raking in several crores from the scam. But that was not always the plan. "I was a bright child. I wanted to complete my education and become a pilot. I wanted to earn some quick money, so I could save up for the course. But as money poured in, I began to enjoy the comforts it brought," he recalled.

His parents did not approve either. "I would study in the afternoon and then work at the call centre at night. My parents didn't like me working at night. My father would say, 'What is the need for you to work; we can survive with less money.' Initially, he didn't even know about the fraud; all he knew was that I was working at a call centre. But I did so well that I became the head of the team immediately, and started earning lots of money. It was at that point that my attitude changed," said Shaggy.

Jail time
"Obviously, I regret it now. My love for money took me down the wrong path. I have lost the prime of my life in being chased by the law," said the conman, adding, "Jail was a nightmare. The food, sleeping area and overall atmosphere was horrible. I thought I would get bail soon, but got frustrated when that did not happen."
Cut off from crime, he turned to education once again. "I wanted to learn coding, but the jail didn't have the resources for it. I read books on economics and finance, and also learnt Marathi. I can speak the language quite well now," he said.

If only...
He remains bitter about getting caught, but didn't seem to show any remorse for the crimes he had committed. "I am not the mastermind of the scam. The real masterminds are free and happy. I don't want to disclose their names, but they have been operating since 2001. I got trapped because I showed off," he said, adding, "If I had not been arrested, I would have spread this business, or started a new one that would have spread beyond India by now."

Now, he is left with a fraction of the crores he once had. "I spent so much money, I didn't even save anything," said Shaggy. Shaggy has now set his sight on the future. "I will work hard again to repair mine and my family's reputation. A driven person like me will never sit and spill tears, but will always work hard to make the future better than my past."

Rs 25000
Amount found in Shaggy's accounts after arrest

Rs 2.5cr
Value of the Audi sports car he bought

Also Read: The big Mira Road call centre scam: What we know so far

The European Commission has warned taxpayers in Europe of letters being sent by fraudsters bearing its name and demanding the payment of tax not due.

Facebook plans to shake up the finance world with a new digital currency called Libra - we hear about its pros and cons. Next up, we discover what Moll Flanders, the literary anti-heroine, can tell us about modern day bank fraud. And finally we find out how smaller shareholders can stand up for their rights. 

 

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Do you want to find out how to do the splits on your mortgage? FT Money Show presenter Claer Barrett is not talking about stretching yourself, but instead, how thousands of borrowers are finding their mortgage lender is flexible enough to give them more than one type of mortgage. Next up, nearly a million people reported scam calls, texts or emails from criminals posing as UK tax authority HMRC last year - we tell you how to protect yourself. And finally, despite the rising cost of childcare, statistics show a million parents are not claiming for the tax free childcare they are entitled to - are you one of them?

 

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How fraudsters will try to trick you out of your money 

Fraudsters are exploiting fears over pandemic to target pension savers, investors and online consumers