Simple Articles
WhatsApp Scam Targets Parents
Overview
The "Hi Mum" WhatsApp scam is a sophisticated fraud targeting parents by exploiting their instinct to help their children. Scammers impersonate a son or daughter, claiming they've lost their phone and urgently need money. This scam has led to significant financial losses and emotional distress for many families.
How the Scam Works
- Initial Contact: Victims receive a message on WhatsApp or via text from an unknown number, starting with phrases like "Hi Mum" or "Hi Dad."
- Plausible Story: The sender claims to be the victim's child, explaining they've lost their phone or changed numbers. They might say they're locked out of their bank account and need urgent financial help.
- Urgent Request: The scammer asks for money to be transferred to a third-party account, often citing reasons like paying rent, bills, or buying a new phone.
- Avoiding Verification: If the victim tries to call, the scammer provides excuses, such as the microphone not working, to avoid voice verification.
These tactics create a sense of urgency and rely on the victim's emotional response to assist their child without thorough verification.
Real-Life Impact
- Financial Losses: In the UK, victims have reported losses totaling over £226,000 between 2023 and 2025 due to these scams.
- Emotional Toll: Victims often feel embarrassed and betrayed. One mother lost £3,000 after believing she was helping her son who claimed to have dropped his phone in water.
- Advanced Tactics: Some scammers use AI-generated voice notes to make their impersonation more convincing, further deceiving victims.
How to Protect Yourself
- Verify the Sender: If you receive an unexpected message from a new number claiming to be a family member, call their known number directly to confirm.
- Ask Personal Questions: Pose questions that only your real child would know the answers to, helping to verify their identity.
- Establish a Family Code Word: Agree on a secret word or phrase with family members to use in emergencies, ensuring authenticity.
- Be Skeptical of Urgency: Scammers often create a false sense of urgency. Take a moment to assess the situation critically before acting.
- Report Suspicious Messages: Forward scam messages to 7726 (UK) and report them to Action Fraud or your local authorities.
Key Takeaway
Always approach unexpected requests for money with caution, especially if they come from unfamiliar numbers claiming to be loved ones. Taking a moment to verify the sender's identity can prevent financial loss and emotional distress.