Dodgy texts claiming you owe a Penalty Charge Notice (PCN) fine? You’re not alone. Scammers are at it again, they are sending out fake messages to trick unsuspecting motorists into handing over their hard-earned cash. These texts look authentic, often pretending to be from Transport for London (TfL) or local councils, urging you to pay up ASAP to avoid extra charges.

But here’s the deal – it’s a total scam. If you’re unsure whether that PCN text scam is real or just another con, stick around. I’ll break down how these fraudsters operate, how to spot a scam, and what you should do to stay one step ahead.

What’s the PCN Text Scam?

A PCN (Penalty Charge Notice) text scam is a fine usually issued for parking violations, driving in restricted areas, or failing to pay congestion charges. Scammers are taking advantage of this by sending fraudulent texts, claiming:

• You’ve got an unpaid fine.
  
  
• Immediate payment is needed to avoid extra charges or legal action.
  
  
• A payment link is included for “secure payment.”
  

But here’s the kicker—the link is fake, designed to steal your card details and personal info.

How Scammers Try to Con You

Fraudsters know exactly how to make you panic and pay without thinking. Here’s how they pull off their little scheme:

1. Fake but Official-Looking Messages

Scam texts are made to look like real council or TfL communications. They include:
  A made-up PCN reference number.
 A payment deadline to rush you into acting fast.
 A fake payment link that looks almost identical to an official site.

Some even spoof real council numbers, making them seem more legit.

2. Creating a Sense of Urgency

Scammers thrive on fear tactics. Their messages often say:

• “Final notice: Your PCN is overdue. Pay £80 now to avoid a £180 penalty.”
  
  
• “Immediate payment required to avoid court action.”

They know if they make you panic, you’ll pay without thinking.

3. Dodgy Payment Links

These links send you to fake council or TfL payment pages that look spot-on. Once you enter your details, scammers can:
 💳 Steal your card info.
 🏦 Access your bank details.
 📲 Install malware on your phone.

4. Follow-Up Scams

If you ignore the first text, they may send another message or even call you, pretending to be from PCN enforcement teams. They’ll pressure you to pay immediately—don’t fall for it.

How to Spot a Fake PCN Text Scam

Not sure if a PCN text is dodgy? Here’s what to check:

•  Who sent it? – Councils don’t send PCN fines via text. They usually post letters or email you.
• Any dodgy spelling or grammar? – Scammers often slip up with awkward phrasing.
• Does the link look weird? – Never click it! Go directly to your local council’s website and check if you owe anything.
• Does it have your car details? – Legit PCNs always include your vehicle registration number and where the fine was issued. Fake ones rarely do.

What to Do If You Get a PCN Text Scam

If you’ve just received a sketchy text, then do not panic. Here’s what you need to do:

1. Don’t Click the Link

NEVER click on links in suspicious texts. They could steal your data or install malware.

2. Don’t Reply

Responding tells scammers your number is active, meaning they’ll send you more scams.

3. Report the Scam

Send the dodgy text to:
 Action Fraud – Report it online at www.actionfraud.police.uk.
 Your mobile provider – Forward the message to 7726 (SPAM).
 Your local council or TfL – Let them know about the scam.

4. Block the Number

Block the sender so they can’t bother you again.

5. Check Your Bank

If you entered your details, call your bank immediately. They might be able to stop any dodgy transactions.

How to Protect Yourself from PCN Text Scam

Scammers aren’t going away anytime soon, so here’s how to stay ahead of the game:

1. Turn On Spam Filters

Most smartphones have built-in scam filters—use them to block dodgy texts.

2. Use Two-Factor Authentication (2FA) for Banking

This adds an extra layer of security to stop fraudsters from accessing your account.

3. Keep Your Personal Info Private

Don’t share your mobile number on public websites or forums where scammers can find it.

4. Educate Friends & Family

Warn your mates, parents, or grandparents—scammers often target people who aren’t as tech-savvy.

5. Always Check PCNs Directly

If you think you’ve got a genuine fine, go to your council’s website and check there. Never trust random texts.

Real-Life PCN Text Scam Stories

London Driver Nearly Scammed by Fake TfL Fine

John, a driver in London, got a text claiming he owed £80 for a congestion charge fine. The link took him to a site that looked exactly like TfL’s. He nearly paid, but luckily, he checked the official TfL website and saw he had no fines.

Pensioner Loses £500 to PCN Scam

Margaret, a 72-year-old from Manchester, received a fake PCN text and paid £500 via bank transfer. The scammers later tried demanding even more money, and by the time she realised it was a scam, it was too late. Her bank couldn’t recover the funds.

Final Thoughts

The PCN text scam is a nasty trick designed to rob innocent drivers. Fraudsters rely on fear and urgency, hoping you’ll panic and pay up before you realise what’s happening.

Remember: Councils and TfL don’t send PCN fines via text. If you get one, check your fine status directly on the official website—not through some dodgy link.

The best defence? Stay aware, spread the word, and always verify before you pay. If something looks off, then it’s probably a scam!

Read More Interesting Article – https://scamfreeworld.com/call-forwarding-scams/

Written By – Duncan Paul Glasgow