Know your rights: How to deal with scams
I clicked on a link in a text message that turned out to be a scam. What should I do next?
Scams target people of all ages and backgrounds. Scams are about tricking you into parting with your money and are becoming more and more sophisticated and difficult to spot. During the busy Christmas season, fraud and other scams are increasing.
If you suspect you’ve been scammed you should act immediately:
- Stop all contact with the scammer
- Do not send any more payments
- If you paid by credit or debit card, tell your bank or card provider immediately
- Report the incident to your local Garda station –scamming is a criminal matter
- Gather any records you have about the scam (emails or other communications)
- Protect your devices by resetting your passwords and update your anti-virus software
- Report the incident to consumer protection agencies such as the CPCC, for advice and to help stop other people being caught in the same scam
You may be able to get your money back depending on what happened and how you paid the scammer.
You may get your money back if you:
- Notice money has been taken from your account without your authorisation, and you contact your bank immediately. In most circumstances, your bank must refund you for an unauthorised payment.
- Bought something from a scammer with your debit card, credit card or PayPal. You can ask your bank or credit provider to reverse the transaction through a process known as a chargeback.
It’s unlikely you will get your money back if you:
- Paid by bank transfer. It can be harder to get money back, but the sooner you contact your bank the better.
- Paid by money transfer services such as MoneyGram, PayPoint or Western Union.
- Paid by vouchers or gift card
To protect yourself in future, you should not share your personal information if you don’t know who you are dealing with. Trust your instinct and always ask yourself ‘is it safe?’
You can read more about how to protect yourself from scams on citizensinformation.ie. We also have information on new scam warnings.
Know your rights: Vehicle registration tax
I imported a car into Ireland last week but I couldn’t get an NCTS appointment until January 2021. Will my VRT be based on when I brought the car into Ireland or the date that it goes to the VRT centre?
While all National Car Testing (NCT) Centres are open, they are operating at a reduced capacity because of COVID-19 and are experiencing high levels of demand. You will not be charged a penalty for a late registration if your registration appointment is within 30 days of bringing your car into Ireland.
If you imported a vehicle into Ireland before 31 December 2020 and can’t get an appointment for an inspection before 1 January 2021, the rate of Vehicle Registration Tax (VRT) you pay will be calculated based on the new payment rates for 2021.
From 1 January 2021, new VRT rates will apply based on the CO2 emissions of passenger cars. This is a new EU emissions test called the Worldwide Harmonised Light Vehicle Test Procedure (WLTP). The current 11 band table for VRT will be replaced with a 20 band table based on a new rates structure.
The new VRT rates will range from 7% for the lowest CO2 emissions to 37% for the highest. In addition, you have to pay a Nitrogen Oxide (NOX) levy based on the NOX emissions of your car.
You can read more about the process of importing your vehicle into Ireland on citizensinformation.ie. For more information about upcoming changes to the way VRT is calculated, you can contact the Revenue Commissioners’ Central Vehicle Office on 01-7383619.
During the COVID-19 pandemic you can contact your local Citizens Information Centre:
• Bray CIC on 0761 07 6780 Monday to Friday, 9am-5pm
• Email Bray CIC at firstname.lastname@example.org – anytime
A limited number of appointments are being made in Bray Citizens Information Centre
You can find comprehensive integrated information online at citizensinformation.ie/covid19/ and you can get daily updates on what’s changed on Twitter at @citizensinfo. You can also get information and advice from:
- The Citizens Information Phone Service: Call 0761 07 4000, Monday to Friday,
9am – 8pm
- Our national call back service: Visit citizensinformation.ie/callback to request a phone call from an information officer