Think you've just been scammed? The single most important thing to do is read what to do right now. Stop contact, do not send more money, and report it straight away.
Key contacts
Organisation
What they do
Contact
Action Fraud
UK's national reporting centre for fraud and cybercrime
actionfraud.police.uk or 0300 123 2040
Financial Conduct Authority (FCA)
Regulates financial services; check the adviser register
register.fca.org.uk / ScamSmart
Money and Pensions Service (MoneyHelper)
Free, impartial guidance on pensions
moneyhelper.org.uk or 0800 011 3797
Pension Protection Fund (PPF)
Protects eligible defined benefit pension members
ppf.co.uk
The Pensions Regulator (TPR)
Regulates workplace pensions
thepensionsregulator.gov.uk
Citizens Advice
Free legal and financial advice
citizensadvice.org.uk
None of these organisations will ever ask you to pay a fee for their help. If someone asks for payment before helping you, that is a warning sign, whoever they claim to be.
Being scammed is not your fault. Pension scams are designed by professional criminals to deceive careful, sensible people. Reporting quickly matters, even if you feel unsure about what can be recovered.