Sense-check a message that might be a scam

Help me sense-check a message that might be a scam.

The message (personal details removed): [paste]
How it arrived: [text, email, phone, WhatsApp, social]
What they want me to do: [click, pay, share codes, other]
Whether I was expecting contact: [yes / no]

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

Then:
1. Warning signs in this message.
2. Safe next steps (e.g. use a number or site I already trust, not their link).
3. What never to share.
4. Where to report it in the UK (in general terms), when to contact my bank, and to check the FCA's ScamSmart pages and Firm Checker (fca.org.uk/scamsmart and fca.org.uk/consumers/fca-firm-checker) if it involves investments, pensions or a financial firm.
5. A one-line reply if I need to stall someone on the phone.

Don't ask me to open links. This is help spotting warning signs, not financial advice. Only use what I've told you, leave blanks for anything I haven't given, and don't invent facts, figures or products. UK English.

For official UK scam reporting guidance such as Action Fraud or GOV.UK, use web search and name the page you used. If it doesn't search on its own, open View all tools and choose Search.

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