Tag: CCPC

CCPC consumer helpline report 2025: online purchases, home improvement issues and cars

Faulty goods and services topped the list of concerns for Irish consumers for the fifth consecutive year, according to the Competition and Consumer Protection Commission’s (CCPC) 2025 Consumer Helpline Report. The report details key statistics and insights from consumers who contacted the CCPC consumer helpline in 2025, as well as the most-named traders.

  • 42,791 consumers contacted the helpline, mostly by phone, email and webform
  • Consumers spent an average of €6,292 on the product or service that they had an issue with
  • 10,297 consumers were referred to the Small Claims Court for redress
  • The CCPC’s free online Money Tools were used 647,483 times

There was a significant increase in the number of consumers contacting CCPC about an online purchase, up by 14% since 2024. Issues with home building or improvements were also up – by 12% – since 2024 (2,838 consumers). The biggest call driver was issues with cars, with 5,827 contacts about vehicles. The top traders named by consumers contacting the helpline included Ryanair, Rathwood and Currys.

Grainne Griffin, CCPC Director of Communications said:

“Last year the CCPC helpline saw an increase in calls about online purchases. When shopping online in Ireland and the rest of the EU, consumers have strong rights, including the right to send goods back, as long as they inform the trader within 14 days.

“One fifth of all contacts to our helpline in 2025 related to an issue with faulty goods and services. It’s important that consumers know their rights if they buy something that turns out to be faulty. Regardless of whether you had a warranty or a guarantee, it’s up to the seller to resolve your issue, you shouldn’t have to go back to the manufacturer.”

Putting your rights to work

In October 2025, the CCPC began following up with consumers who contacted the CCPC helpline to find out what happened next. The first check-in with consumers was a minimum of four weeks after they contacted the helpline. At that stage, 96% of consumers had contacted the trader. 43% of respondents had reached a resolution, with 38% of those receiving a refund from the trader. There were still challenges for consumers with 16% reporting that they incurred costs and 61% contacting the trader five or more times while trying to resolve their issue.

Home improvement help 

2,838 consumers contacted the CCPC helpline about home building or improvements, an increase of 12% since 2024. Consumers reported spending an average of €14,597 on home building or improvements that they later found issues with. In November 2025, the CCPC published an open letter to traders that provide home maintenance, construction and improvement services to remind them of their obligations under consumer protection law.

Grainne Griffin said:

“Home improvements can be costly for consumers, especially if things go wrong. Check the references of contractors and if you can, physically review previous jobs that they have done.  Make sure you get a written quote rather than an estimate and sign a contract. Having those will give you stronger rights in the event of a problem.

“Every year, issues with home building and improvements are one of the biggest call drivers to our helpline. That’s why we wrote to traders last year with clear guidelines on their responsibilities to consumers. Where traders are not following the law, the CCPC can take enforcement action.”

Product safety concerns

Last year, 1,261 consumers contacted the CCPC with product safety concerns, with one particular report to the CCPC helpline from a concerned parent leading to the recall of 1,564 baby socks due to injury concerns.

How to contact us

For consumer queries and complaints, contact the CCPC helpline on 01 402 5555 (Monday to Friday, 9am to 6pm) or via our contact form or email ask@ccpc.ie.

CCPC publishes report saying the vast majority did not hike fuel prices

Following significant price increases and calls from Government representatives to the public to notify high fuel prices and price gouging to the Competition and Consumer Protection Commission, the CCPC has published its report examining the issues raised. This is in the context of conflict in the Middle East and the resultant impacts on international commodity markets.

Consumer complaints

The CCPC has published details of more than 900 complaints received from consumers from the week of 2 March. While a small number (fewer than 5%) of complaints reported specific consumer protection issues with certain home heating oil suppliers, the CCPC found that the vast majority of the complaints examined articulated high levels of consumer distress and frustration at very sudden and significant price rises across essential fuel products. Controlling prices in competitive markets is outside the scope of competition and consumer protection law. As a result, complaints relating solely to price increases would not constitute a breach of these laws.

In response to the consumer protection issues identified, the CCPC has written to the home heating oil industry to remind them of their consumer protection obligations under the law. This includes the requirement to clearly explain to consumers how their prices are calculated. CCPC investigators are engaging with consumers and companies to further examine a small number of complaints.

CCPC Chair, Brian McHugh, said:

“The distress and concern we heard from consumers was very real. A large number of consumers suspected that recent price increases were illegal and motivated in significant part to increase profits. However, while we have identified a small number of questionable consumer protection practices, we have not seen price increases that are in breach of any law. Ireland is an open market economy where businesses are free to set their own prices for goods and services.” 

Market analysis 

The CCPC report sets out a high-level markets analysis informed by previous research, a large number of merger investigations in road fuels and home heating markets, and a review of published profit margins. The analysis found that these markets are reasonably competitive.

The CCPC examined wholesale costs in these markets and confirmed stark increases in prices across relevant markets. The CCPC also compared movements in wholesale prices to retail prices and considered international comparisons of retail fuel prices.

Taken together, the examination of wholesale prices, retail prices and the review of the home heating oil and road fuel markets indicate that the price increases seen in recent weeks were not driven by competition issues, but rather by significant increases in international wholesale costs.

CCPC Chair, Brian McHugh, said:

“The CCPC is very familiar with the road fuel and home heating oil markets in Ireland, and we know these markets are relatively competitive. We have examined the wholesale price increases across international markets in recent weeks. And, while we cannot rule out that individual companies may have benefited from price increases, overall, the very high price increases we are seeing nationally across both the home heating oil and road fuel markets are driven by increases in wholesale costs.”

Conclusion

The number and nature of the complaints received clearly demonstrate very high levels of worry and concern among consumers and the CCPC strongly acknowledges the extent of the impact on consumers and businesses. However, as the increased fuel prices are not due to competition issues in the market, there are no competition or consumer protection measures that can be taken to alleviate the impacts of high wholesale prices on consumers and businesses.

The CCPC will continue to screen contacts to its helpline for breaches of consumer protection and competition law and monitor markets for signs of dysfunction. The CCPC will also work with the Commission for the Regulation of Utilities (CRU), as requested by Government, on a longer-term study to identify any obstacles currently preventing the electricity and gas markets from operating efficiently.

 

2026 Energy market review

The CCPC has been asked by Government to review the energy market and identify any obstacles currently preventing the market from operating efficiently. This work is currently underway and the CCPC is engaging with stakeholders including the Commission for Regulation of Utilities (CRU) to ensure that our analysis complements its existing work.

2022 Fuel market report 

In November 2022, the CCPC published an in-depth analysis of the retail motor fuel market and pricing over nineteen days in March 2022. This followed sharp price increases, against an international backdrop of price increases in energy, the war in Ukraine and high inflation.

The aim of the analysis was to examine claims of lack of competition or pricing irregularities in the sector. The CCPC received detailed pricing information relating to 50% of the service stations in the State. The research showed that international prices drove price increases for consumers in the period leading up to the Government’s excise cut, rather than stations illegally coordinating their prices or a lack of competition.

Link to 2022 report press notice

One in three traders incorrectly display discounts online during Black Friday and Cyber Monday

The European Commission and consumer protection authorities from 23 Member States as well as Iceland and Norway, released the results of a sweep of online discounts during Black Friday and Cyber Monday sales.

Ireland’s consumer watchdog, the Competition and Consumer Protection Commission (CCPC), participated in the sweep of over three hundred online retailers. Tackling misleading discounts has been a priority for the CCPC since the introduction of new sales pricing rules, with successful prosecutions brought against a number of retailers including Boots, DID Electrical and Brown Thomas Arnotts.

Sweeps are coordinated by the European Commission and carried out simultaneously by national enforcement authorities. The objective of this sweep was to assess whether discounts and pricing practices during major sales events, such as Black Friday and Cyber Monday, were compliant with EU consumer law.

Consumer protection authorities checked 314 online traders selling a range of goods such as cosmetics, fashion, furniture and electrical goods, and found that 30% referenced discounts incorrectly during such sales. Under the Price Indications Directive, when a business announces a discount, the price of reference must be the lowest price applied in the past 30 days. The CCPC has previously published a set of guidelines on sales pricing.

Authorities also assessed other sales tactics that may influence consumers’ purchasing decisions. Out of the traders screened:

  • 36% attempted to add optional items to consumers’ baskets. Of those, four in ten did so without clearly requesting consent.
  • 34% displayed price comparisons. 6 in 10 of those did not clearly explain what the reference for their price comparison was.
  • 18% used pressure-selling techniques, such as claiming a product is running out or using countdown timers. The authorities identified that more than half of these cases were misleading. A pressure-selling technique can be considered misleading, for example, when its claim of scarcity is fake.
  • 10% used “drip pricing”, where extra fees are added late in the purchasing process, such as shipping or service fees.

Adding items without the consumer’s consent, displaying prices in a misleading way, claiming falsely that a product is running out, or hiding extra fees until the end of the process are illegal practices under EU consumer law. Following the sweep, national consumer authorities may take action against the businesses concerned.

Helen Martin, Member of the Competition and Consumer Protection Commission (CCPC) said,

“Consumers have a legal right to clear pricing information, and businesses must not mislead consumers into thinking they’re getting a better deal than they really are. Businesses should know that we are monitoring and have successfully taken traders to court for fake discounts. Transparency in pricing allows consumers to shop with confidence and ensures a level playing field for businesses.”

Michael McGrath, Commissioner for Democracy, Justice, the Rule of Law and Consumer Protection, said: 

“Trust is essential for both consumers and businesses. Misleading discounts and false ‘promotions’ undermine that trust. EU consumer protection rules strike a careful balance, ensuring a fair market that serves the interests of both businesses and consumers. This sweep gives us a comprehensive view of the market, helping us identify where further action is needed to keep it fair, transparent, and competitive.”

Henna Virkkunen, Executive Vice-President for Tech Sovereignty, Security and Democracy, said:

“Black Friday and Cyber Monday offer great opportunities for both businesses and consumers. However, a great bargain is no excuse to cheat the rules. Consumers expect a fair treatment, whether they are shopping online or offline. Our sweep should act as a reminder: Businesses that treat their customers fairly always benefit.”

One in three young people learn about money on social media

One in three (34%) post-primary students now learn about money on social media, and one in seven (16%) don’t feel comfortable asking for help with money-related questions or concerns, according to new research published by MABS (Money Advice & Budgeting Service). The findings will be presented today at a Competition and Consumer Protection Commission (CCPC) event at Croke Park, to open Global Money Week.

The CCPC, as the national coordinator for Global Money Week, will bring together educators, students and representatives from the world of finance to recognise and celebrate the valuable work being done to build financial skills in young people.

MABS will present the findings of their Money Matters Survey, which found that while young people continue to demonstrate strong digital engagement and a growing sense of responsibility towards their personal finances, important gaps remain that require sustained attention from policymakers, educators, and researchers.

  • Over a quarter (26%) of students don’t know how to use an ATM
  • TikTok has strengthened its dominance as the primary social media platform used for financial information/learning (72%), however,
  • Parents and family members remain the primary source of financial learning (73%)

More than 150 students and their teachers from 20 schools across 13 counties will also attend the launch event to share their innovative financial literacy projects, which were sponsored by the CCPC’s Our Money, Our Future programme.

In 2024, the CCPC launched the Our Money, Our Future programme, which invites post-primary schools and Youthreach Centres to apply for sponsorship up to €1,000 to support students in developing their own financial literacy initiatives and resources, based on topics and themes relevant to them. Over 10,000 students from 23 counties around the country participated in the programme in the 2025/26 school year.

Brian McHugh, Chair of the CCPC, said:

“Students in Ireland today are showing a real sense of financial curiosity; we can see this in the research conducted by MABS and through the high-calibre projects that students are creating through the Our Money, Our Future sponsorship programme. However, important gaps remain. It’s up to policymakers and educators to try and close these gaps, which is why events like the Global Money Week launch – that bring together so many groups from the world of finance – are so important.”

Karl Cronin, North Connacht and Ulster Regional Manager at MABS, said:

“The insights from this year’s Money Matters research show that young people have strong financial curiosity, growing digital engagement, and a real sense of responsibility for their finances. When that curiosity is supported with early, practical financial education, it builds confidence that lasts into adulthood. The results also highlight gaps that need continued focus, and MABS is committed to helping bridge those gaps by supporting initiatives, such as Global Money Week, that strengthen financial learning for young people across Ireland.”

The launch event at Croke Park will be attended by representatives from the world of finance also involved in Global Money Week, including An Post, Association of Teachers of Home Economics, Banking and Payments Federation Ireland, Brokers Ireland, BSTAI, Central Bank, Competition & Consumer Protection Commission, Department of Finance, Department of Education and Youth, Euronext, Financial Services and Pensions Ombudsman, Institute of Banking, Insurance Ireland, Insurance Institute of Ireland, Irish Funds, Irish League of Credit Unions, Junior Achievement Ireland, Life Insurance Association, Maths Week, Money Advice & Budgeting Service, Oide, Revenue.

For more information on the Our Money, Our Future programme, please see here.

CCPC warns consumers to avoid dangerous car seat head straps

The Competition and Consumer Protection Commission (CCPC) is warning consumers against the use of head straps in children’s car seats.

The product safety warning comes after extensive online market surveillance by the CCPC. Through these searches, the CCPC conducted a sweep of 100 product listings and attempted to obtain the required safety documentation for each product. All 100 listings were removed as the safety of the products could not be demonstrated.

The products in question were being sold across five online marketplaces; Amazon, Cdiscount, Joom, Shein and Wish. They may be for sale on other platforms or websites.

The head restraint accessory, which is sometimes described as a car seat head strap, a neck protection belt, head support hugger or a nap aid/sleep holder belt, claims to prevent a child’s head from falling forwards or sideways if they fall asleep.

However, an investigation by the CCPC’s product safety team established that these products are dangerous and could cause serious injuries to a child’s spine or neck during a collision or suffocation if the strap slips over the child’s nose and mouth, or strangulation if the strap moves down to their neck.

These products have already been recalled in Malta, Germany and Australia. While the number of products sold in Ireland is unknown, the CCPC is issuing a safety warning about the car seat head straps due to the serious risk they pose.

Grainne Griffin, CCPC Director of Communications said:

“Products like this prey on a parent’s basic instinct to protect their child. But instead of making a toddler safer, they put the child much more at risk. If the strap slips down over the child’s face or neck, there is a serious risk of suffocation or strangulation.

“CCPC sweeps have led to the removal of 100 product listings across various platforms. However, we’re asking the public to remain vigilant and contact us if they see car seat head straps like these being advertised, be it online or in physical stores.”

Dr Katharine Harkin, Consultant in Public Health Medicine, HSE Child Health Public Health said:

“Do not place straps across your child’s forehead in a car seat. They claim to prevent your child’s head from falling forwards or sideways if they fall asleep. There is no evidence that these products are safe to use.

“Car seats are designed to keep your child as safe as possible while travelling. The safest approach is always to use a properly fitted, appropriate car seat and do not use any additional products. The HSE’s mychild.ie has more advice for parents on keeping their child safe while driving and other areas of child safety.”

The Road Safety Authority (RSA) does not recommend the use of devices or accessories that are purchased separately from a child’s car seat.

Christine Hegarty, Road Safety and Education Manager at RSA said:

“Child car seats are highly regulated and vigorously tested and are designed to perform and react in a specific way in the event of a collision. Any device that changes that process is dangerous.”

Advice for consumers

  1. Do not use car seat head straps as they are extremely dangerous.
  2. Product add-ons or accessories for car seats should only be used when they have been tested and approved by the car seat manufacturer.
  3. Using any other accessories may change the performance of the car seat or introduce other hazards during normal use.

CCPC calls on Government to open up Irish taxi market

New research from the Competition and Consumer Protection Commission (CCPC) highlights a supply shortage in the taxi sector as four in 10 people who tried to get a taxi in December reported difficulties doing so.

With a significant share of taxi users wanting the choice of ride-hailing (49%), the CCPC is calling for the removal of regulatory barriers to facilitate entry of these services. Ride-hailing platforms, such as Uber or Bolt, connect private drivers to passengers via apps. This would mean allowing these private drivers to provide services using their own cars, subject to appropriate regulatory safeguards.

According to the research, 57% of those who expressed an opinion believe that there are not enough taxis available in their area. However, there are stark differences across geographical locations.

While 56% of those living in Dublin believed there are enough taxis in their area, only 28% of those outside of Dublin agree. This drops to 21% for those living in Connacht or Ulster.

Participants were asked whether they would like the choice of accessing ride-hailing services, subject to regulatory requirements.

While 49% of taxi users surveyed would like the option of ride-hailing services, this figure rose to 57% for those who believe there are not enough taxis in their area.

When asked whether they would prefer a fixed fare or a metered fare, 60% said they would support a fixed fare option.

The research also found that 53% of respondents surveyed tried to get a taxi in December 2025. Two in five who tried to get a taxi in December experienced problems, with 27% saying they had to stop looking as no taxis were available.

The research comes ahead of the National Transport Authority’s (NTA) regulatory assessment of the licensing of dispatch operators, which is due to begin later this year.

Brian McHugh, CCPC chair said: 

“Regulatory barriers in the taxi market have failed to facilitate innovations that have flourished in other countries and consumers are suffering as a result. Our research shows a clear preference for more choice among consumers who are not getting the service they need.

“This is not about abandoning oversight or regulation.  Any new entrants could and should be regulated to maintain high service and safety standards. Consumers and businesses deserve an innovative, functioning taxi sector that provides choice. Consumers shouldn’t be faced with long waits or the possibility of staying home due to a lack of taxi availability.

“The CCPC is calling on the Government to remove key regulatory barriers in the taxi market so that it can be more responsive to consumer needs and align better with how transport systems are evolving all over the world. The goal is to achieve a balance that protects consumers and ensures access, while also allowing competition and innovation to improve the market. We look forward to engaging with the NTA in their consultation process and to exploring all solutions that might increase capacity and choice.

See more 

Influencers, retailers and pubs breach consumer laws – CCPC

The Competition and Consumer Protection Commission (CCPC) has today published details of 18 new enforcement actions taken against traders in Cork, Donegal, Dublin, Mayo and Offaly for breaches of consumer protection legislation.

The measures are the result of inspections and investigations carried out in-store and online by CCPC officers.

Influencers 

  • Conor McGregor was issued a compliance notice for failing to disclose the commercial nature of content posted to his Instagram account @thenotoriousmma (CN)
  • Suzanne Jackson was issued a compliance notice for failing to disclose the commercial nature of content posted to her Instagram account @sosueme_ie (CN)

Retailers

  • Circle K Holding Ltd t/a Circle K, Nassau St, Dublin 2: two fixed payment notices for failing to display product prices (FPN 1, FPN 2)
  • Ard Services Ltd t/a Circle K, Tallaght, Dublin 24: fixed payment notice for failing to display product prices (FPN)
  • The Flannels Group (ROI) Ltd t/a Flannels, St Patrick’s St, Cork: fixed payment notice for failing to display product prices (FPN)
  • Midlands Retail Investments Ltd t/a Leavy’s Centra, Tullamore, Co. Offaly: two fixed payment notices for failing to display product prices (FPN 1, FPN 2)
  • Western Flower Wholesalers Ltd t/a Temptation Jewellers, Claremorris, Co. Mayo: compliance notice for failing to display a notice about hallmarking (CN)
  • Euro General Retail Limited t/a Eurogiant, Letterkenny, Co. Donegal: three fixed payment notices for failing to display unit pricing (FPN 1, FPN 2, FPN 3)
  • The Dublin Mint Office: three compliance notices for

Pubs

  • Perfect Pubs 3 Ltd t/a The Auld Dubliner, Dublin 2: compliance notice for failing to display a price list (CN)
  • The Temple Bar Tavern Ltd t/a Fitzsimons Temple Bar, Dublin 2: compliance notice for failing to display a price list (CN)
  • Widestar Ltd t/a Dakota Bar, Dublin 2: compliance notice for failing to display a price list (CN)

Patrick Kenny, member of the Competition and Consumer Protection Commission (CCPC) said,

“Whether you’re a retailer, a publican or an influencer, you must comply with consumer law. Our officers carry out hundreds of instore and online inspections, sweeps and investigations every year, assessing thousands of products and transactions to make sure consumer rights are upheld across the economy.

“CCPC teams will be actively monitoring compliance by these traders. Failure to obey a compliance notice is an offence, and we will prosecute those who do not correct their practices.

“We look forward to the introduction of direct fining powers for the CCPC. The ability to issue significant fines is an essential addition to our enforcement toolkit.

“Consumer reports to our helpline and industry intelligence help us to identify patterns of non-compliance, and we’re grateful to everyone who takes the time to share valuable information with us.”

In addition to the enforcements published today, last month saw the CCPC successfully prosecute Brown Thomas Arnotts for breaching sales pricing legislation and car dealer Ionut Nitulescu for misleading a consumer.

CCPC – New research and guidance on tipping in Ireland

Consumer watchdog issues guidance for restaurants, cafes, hair salons and other service providers as new technologies change the landscape of tipping

New tipping research from the Competition and Consumer Protection Commission (CCPC) has revealed that:

  • 9 in 10 consumers tip at least some of the time
  • Women and over 35s are more likely to tip
  • 2 in 3 believe tipping is becoming less voluntary
  • 3 in 4 would like to see businesses make it easier to opt out of tipping
  • 1 in 5 have recently paid a bill that included an unexpected extra charge
  • 1 in 4 consumers who have encountered standalone tipping terminals have tapped them by mistake

New guidance

The CCPC has issued new guidance based on the research to help restaurant owners and other traders decide how best to collect tips with new technologies.

Published on the CCPC website and sent to industry bodies, the guidance states:

  1. Tipping on a payment terminal should be easy to avoid
  2. Prevent accidental tipping by keeping tipping terminals separate and clearly labelled
  3. Mandatory service charges must be very clearly communicated in advance
  4. Optional service charges must never be automatically added to a bill

Simon Barry, Director of Research, Advocacy and International at the CCPC said, 

“Newer technologies like payment screens and tipping terminals are changing the way we tip for services. It’s important that businesses using these technologies do so in a way that protects the consumer’s right to decide whether and how much to tip.

“Transparency is vital. Any mandatory service charges must be flagged well in advance, optional charges must never be automatically added to bills, and tipping terminals should be placed away from payment terminals to avoid any confusion.”

The Competition and Consumer Protection Commission (CCPC) is the statutory body responsible for enforcing and promoting compliance with competition, consumer protection and product safety law, with new and expanding roles in digital and data regulation. We make markets work better for consumers and empower consumers to make informed choices. For more information, visit ccpc.ie

CCPC warns of surge in online scams for Irish consumers

Irish consumers are being targeted by increasingly sophisticated online scams, according to a new set of case studies released by the Competition and Consumer Protection Commission (CCPC). The warning comes as Black Friday and Cyber Monday kick off the busiest shopping period of the year, creating prime opportunities for scammers to steal from unsuspecting shoppers.

With recent research revealing that almost 40% surveyed expect to make a purchase in the Black Friday/Cyber Monday sales, the CCPC is advising consumers to be extra vigilant and to stop and think before rushing into making a purchase.

The case studies, which date between November 2024 and August 2025, reveal losses ranging from €42 to €20,000 and highlight the wide range of methods used to scam consumers. These include fake websites, phishing emails, fraudulent job offers, rental accommodation scams, and investment fraud.

The CCPC is warning consumers to be especially wary of ads on social media, as scammers are using convincing clones of trusted websites and fake local shops to trick shoppers. To stay safe, always purchase through the retailer’s official website or app rather than clicking on the social media link.

Stop, search and stay safe 

To help consumers shop safely during the peak shopping season, the CCPC advises following three simple steps:

  • Stop: Scammers often create urgency to pressure quick decisions. If something feels off or too good to be true, stop and think before engaging further.
  • Search: Remember that logos, “about us” pages and imagery on websites can be fabricated. Always take a minute to check sites like Trustpilot or Reddit for independent reviews.
  • Stay safe:
    • Watch out for common red flags, including unusually large discounts – “up to 80% off”, unfamiliar websites, recently created social media profiles, and all five-star reviews.
    • Always use a credit card, debit card or trusted payment provider, rather than a direct bank transfer.

Grainne Griffin, director of communications at the CCPC said: 

“As the busiest shopping season of the year kicks off, it’s important that consumers avoid rushing into online purchases and transactions. Online scams have become more and more sophisticated, using convincing images and stories and carefully tailoring their ads to seem like they’re a trustworthy business.

“For the sake of your finances and your safety, take care when shopping online. Don’t let tactics like time-sensitive offers or countdown clocks pressure you into making a decision you might regret.

“Do your research, take your time, and don’t take risks, no matter how tempting the deal – you can lose an awful lot of money in just a few clicks. Always use a credit card, debit card or trusted payment provider like PayPal, rather than a direct bank transfer.”

What to do if you’ve been scammed when shopping online  

If you think you’ve been scammed, contact your bank or payment provider immediately. You may be able to initiate a chargeback and get your money back, and you may need to freeze your card to prevent further money being taken. An Garda Síochána are responsible for pursuing scam operators so contact your local Garda office and report it and of course you can ask us as many do each year.

For information on the different types of scams and how to spot them, visit ScamUniversity.ie.