Consumer champion Martin Lewis has issued an urgent alert to British families about a devastating new WhatsApp scam that's already cost victims thousands of pounds. The sophisticated 'Hi Mum' fraud is specifically targeting parents through emotional manipulation and clever social engineering.
How The 'Hi Mum' Scam Operates
The fraud begins with a seemingly innocent WhatsApp message from an unknown number simply saying "Hi Mum" or "Hi Dad." When the parent responds asking who it is, the scammer pretends to be their child claiming they've lost or damaged their phone.
Martin Lewis's MoneySavingExpert.com team explains: "The scammer then claims they need urgent financial help - often saying they need to pay a bill but can't access their online banking. They ask the parent to transfer money to a new account, supposedly belonging to a friend or family member."
The Emotional Manipulation Tactics
This isn't just financial fraud - it's psychological warfare. The scammers use several powerful techniques:
- Urgency: Creating time-sensitive situations that prevent rational thinking
- Familiarity: Using affectionate language and family dynamics
- Technical confusion: Exploiting parents' potential lack of tech knowledge
- Emotional triggers: Playing on natural parental instincts to protect children
Protection Measures Every Family Needs
Martin Lewis's team recommends immediate action to prevent falling victim:
- Verify separately: Always call your child's known number to confirm any unusual requests
- Establish code words: Create family passwords for genuine emergency situations
- Question urgency: Legitimate emergencies rarely require instant bank transfers
- Educate relatives: Ensure elderly family members understand these scams
What To Do If You've Been Targeted
If you suspect you've been contacted by scammers, immediately report it to Action Fraud and warn your social circles. Even if you haven't lost money, reporting helps authorities track and combat these criminal networks.
Martin Lewis emphasised: "This is particularly cruel as it preys on the natural desire of parents to help their children. Stay vigilant, verify independently, and remember - if something feels off, it probably is."
