Claimed to be inland revenue, threatening legal action wanting money

HMRC will never ring you demanding money under threat of legal action — that's not how they operate. Hang up, find HMRC's genuine number yourself, and report this number to Action Fraud immediately.

Stop and think before you act. If something feels urgent, threatening, or too good to be true — that urgency is the weapon. Scammers use pressure to override your judgement. Nothing is ever so urgent that you can't take five minutes to check, call back on a number you found yourself, or ask someone you trust.