Sense-check a scam text or email before you act

Sense-check this message — I will not click yet.

Message (mask long links): [paste]
What it wants me to do: [click / pay / share a code]
Account it names: [bank, HMRC, delivery — if any]
I already clicked: [yes/no]

Ask me up to 3 short questions first if anything important is missing. Wait for my answers.

Then:
1. Red flags in this message.
2. What to do instead (official app or typed web address).
3. For scams and account takeovers, point me to official help (the service's own pages, NCSC, Report Fraud at reportfraud.police.uk / 0300 123 2040 or Scotland 101, 7726 for scam texts, report@phishing.gov.uk for scam emails, and 159 or the number on my card if money is at risk); never ask me to share passwords or codes with you.
4. If I already clicked or shared a code: immediate next steps in order.

Forward scam texts to 7726 (free). Report phishing emails to report@phishing.gov.uk. Use Report Fraud (0300 123 2040 / reportfraud.police.uk; Scotland 101) if money or accounts are at risk. If a bank or money is involved, call the bank on 159 or the number on my card (not a number in the message). Include changing passwords only via the official app/site and enabling 2-step verification. Only use what I've told you, leave blanks for anything I haven't given, and don't invent facts, steps or official URLs you're not sure of. UK English.

Stay in this ChatGPT chat. Do not turn on apps or connectors, and do not use memory from another chat.