Recently, there has been a surge in fraudulent schemes aimed specifically at university students across the UK. Understanding the types of fraud and how to protect yourself can save you from losing money and compromising your personal information.
Always ask yourself: could this be a scam?
It's important to remember that no one within the University will ever ask you for details like your username and password, banking or other personal details by clicking through a link in an email. Always log into the main system or source where your data is held if you need to process any transactions.
If you're suspicious, always trust your instinct - you're probably right!
If you have a security breach, or suspected breach on a University device, user account, or system, you must inform the Helpdesk immediately.
Tips to Protect Yourself
- Verify the Source: Always check official websites and email addresses before responding to any requests for information or payments. Always make payments to the University for your tuition and accommodation fees using our preferred payment methods. Never transfer funds through a third party.
- Use Strong Passwords: Protect your university and banking accounts with strong, unique passwords and enable two-factor authentication wherever possible.
- Be Wary of Urgency: Scammers often create a sense of urgency to pressure you into making quick decisions. Take your time to evaluate any offer or request.
- Report Suspicious Activity: If you believe you’ve been targeted by a scam, report it to the university, your bank, or Action Fraud, the UK's national fraud and cybercrime reporting centre. Safety and wellbeing of our students and staff is always a main priority at Herts. For more information on the support available please visit our website.
Common Scams Targeting Students
- Student Loan Scams Fraudsters send emails, texts, or calls claiming to be from the Student Loans Company (SLC), asking for personal or banking details to “process your loan.” Always log in directly to the official SLC website to check your loan status and never share personal info through unofficial channels.
- Fake Housing Listings Students looking for accommodation are often lured by fake rental ads offering cheap rooms. Scammers ask for a deposit upfront, only to disappear once the money has been transferred. Always view the property in person and use trusted housing platforms.
- Phishing Emails These emails may look legitimate, posing as your university, banks, or online services asking you to click a link or update personal information. Never click suspicious links or provide sensitive details via email. Look for unusual sender addresses or poor grammar as tell-tale signs.
- Job Scams Job offers that seem too good to be true often are. Scammers may offer high-paying, flexible jobs, requiring you to provide your bank details for payment. In some cases, you may be asked to transfer money on behalf of the employer—a common sign of money laundering schemes.
- Scholarship and Grant Scams Fraudsters may contact you, offering fake scholarships or grants that require an upfront fee. Legitimate scholarships never ask for payment in advance.
- Money Mules Money muling is when an individual, commonly referred to as a ‘money mule’, moves the proceeds of crime on behalf of criminals, sometimes in exchange for payment or other benefits. We are seeing an increased number of students being approached by criminals to become a money mule. Be cautious of unsolicited offers to make easy money! For more information on money mules please click here
Final Thoughts
As a student, it’s easy to become overwhelmed by finances and the demands of university life. Fraudsters know this, and they’ll use any opportunity to trick you. By staying vigilant and knowing the warning signs, you can protect your money and personal information.
Stay safe and don’t hesitate to ask for help if something feels off!