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Protecting your investments and personal information is a priority at Quilter Cheviot. As a client you benefit from both strong security controls and a dedicated relationship team who are there to support and protect you.
We have robust measures in place to help combat fraud and cybercrime, including a team of cybersecurity and fraud prevention experts to protect your data and investments.
Your relationship with Quilter Cheviot
Unlike many financial providers, Quilter Cheviot offers a relationship-led service. You will have a dedicated Investment Manager / Financial Planner and support team. You should expect to deal with familiar individuals who understand your financial situation.
If you receive any communication that feels unusual, unexpected, or urgent, you should pause and contact your Quilter Cheviot representative using their known contact details.
Common types of scams
Fraudsters are becoming increasingly sophisticated and may target investment clients specifically.
- Investment scams: offering unrealistic returns or exclusive opportunities.
- Impersonation scams: pretending to be Quilter Cheviot or other trusted organisations.
- Impersonating businesses: scammers use the credentials of legitimate businesses in order to:
- Create professional-looking websites that they have faked or cloned from legitimate businesses.
- Use convincing adverts that appear across search engines or other social media platforms.
- Produce investment brochures with stolen company logos and information to help reassure their victims.
- Impersonating people: fraudsters gather information about individual employees from public sources, such as LinkedIn. They use this information to impersonate genuine employees, pretending to be trusted employees that work for a legitimate business.
- Pension scams: encouraging quick transfers or consolidation.
- Payment diversion scams: attempting to redirect withdrawals or transfers.
Five key tips to protect yourself from investment scams
- Be aware that scammers will go to great lengths to make their advertisements, brochures, websites and investments look genuine. Always double check the source.
- Scammers may spend months building up relationships with their potential targets. They will even call their potential victim on the phone using a spoofed number or a mobile number. If you are approached by an individual from a financial business, look up the official website and contact the firm using the switchboard number. Make sure you speak with the Investment Manager or Financial Planner at the business to verify that it is them.
- To help fight financial crime, the Financial Conduct Authority (FCA) has launched Firm Checker, a tool to help clients avoid scams. You may have also seen their recent TV ads supporting this. By using the tool and checking if a firm is authorised and has the correct permissions to provide services, people can significantly reduce their chances of falling victim to fraud. You can also verify a Quilter Cheviot website by checking Quilter Cheviot’s official website and email addresses to see a complete list of our legitimate sites and domains. Never rely on links or registration details forwarded to you; always check these yourself.
- If you are contacted about an investment opportunity, take a moment to stop and think before parting with your money. Don’t be rushed into making a decision. Remember, legitimate organisations will never pressure you into investing on the spot. It's ok to reject, refuse or ignore any requests.
- Before you invest any money, do your own research: no matter how trustworthy a company looks.
Warning signs to look out for
- Pressure or urgency to take action on your account.
- Changes to bank details or payment instructions.
- Transactions or requests that you don’t recognise.
- Unexpected contact regarding your investments.
- Requests for confidential information or security details.
How Quilter Cheviot will work with you
We will always:
- Communicate via your known relationship team.
- Encourage you to use our secure portal and/or app to view your account
- Confirm any significant changes to you such as withdrawals or updates to personal details such as your mobile number, address or email address.
We will never:
- Call or email and ask you to share your online account details, such as your password.
- Send you an email asking you to update personal details via a link.
- Request urgent transfers without prior discussion.
- Call or email you to confirm your full bank account number or your debit card details.
- Call you (without a previous conversation with you first) and ask you to initiate a withdrawal from your account.
- Ask you to make test payments.
Keeping yourself secure
- Use strong, unique passwords.
- Choose a reputable password manager or passphrase generator. Do your research and read reviews to find a product that meets your needs and is trusted by experts.
- Set up your password manager or passphrase generator. Follow the instructions provided to create your account and add your login information for your online accounts.
- Use strong and unique passwords. When setting up new accounts or updating your passwords, make sure to use strong and unique passphrases (or let your password manager do it for you).
- Avoid using personal information or easily guessable words.
- Make it a habit to use your password manager or passphrase every time you log in to an online account, rather than trying to remember multiple passwords.
- Enable two-factor authentication where available.
- Avoid accessing accounts on public Wi-Fi.
- Regularly review your portfolio and transactions.
- Contact us if you have any questions or concerns about your account.
Before you take action (checklist)
Before acting on any instruction, ask yourself:
- Do I recognise this person?
- Have I confirmed this request using known contact details?
- Is this request consistent with previous discussions?
What to do if you suspect fraud
If you suspect fraudulent activity:
Contact Quilter Cheviot immediately using your known contact details.
Do not proceed with the transaction.
Report the incident to a registered authority.
Inform your bank as soon as possible.
Security checklist
Here are five golden rules for keeping yourself safe online.
1. Choose a strong, unique password
Choose a strong, unique password for each online account you have. Pick a password only you know. Never write it down, share it or use words or numbers personal to you.
2. Log out of online accounts
Always ensure you log out from any online account once you have completed your session.
3. Install anti-virus software
Install anti-virus software to your devices and update them regularly.
4. Be careful when opening unsolicited emails
Unexpected emails may be malicious. If it looks suspicious and you don’t know the sender, delete it.
5. Never click on an email link or attachment
Unless you have requested it, don’t open attachments, or click on links, as some can lead you to fake websites waiting to steal your details.