Letters & contact

I received a text — is it real?

A text about a debt can be genuine or a scam. Here is how to tell the difference and stay safe.

This guide helps with

  • Know the signs that a text may be genuine
  • Recognise common warning signs of a scam
  • Learn how to verify contact independently
  • Avoid sharing personal or payment details unsafely
  • Know what to do if you think a text is fake

5 min

What's happening

Texts can be a legitimate way to reach you, but scammers also send fake messages that look official. The safest approach is never to act on a text straight away. Instead, take a moment to check it is genuine before clicking any link, replying with details, or making a payment.

This is general information, not legal advice. If you need advice, the free services linked below can help.

Warning signs of a scam

Be cautious if a text:

  • Creates urgency or threatens immediate consequences
  • Asks you to pay via an unusual method, such as gift cards or transfers to a personal account
  • Requests your full bank details, passwords or PINs
  • Contains a link to a website that does not match our real address
  • Has spelling errors or an unfamiliar sender

A genuine business will never ask for your full passwords or PINs.

How to verify it's real

  1. Do not click links in the text or reply with personal details.
  2. Find our contact details independently — from a letter you trust or by typing our website address yourself.
  3. Quote any reference in the text and ask us to confirm whether the message is genuine.
  4. If it is genuine, continue through a channel you have checked.
  5. If it is not, do not engage with it.

Our guide on verifying genuine contact walks through this in more detail.

Who to contact

If you are unsure whether a text is real, contact us directly through a channel you trust, such as our contact page, rather than the details in the message. If you believe the text is a scam, you can also report it to the relevant scam-reporting service in your area.

Good to know

  • Never act on a text straight away — verify it first
  • Genuine contact will never ask for your passwords or PINs
  • Find our details independently, not from the message
  • If a text seems fake, do not engage and consider reporting it

FAQ

Does Merion send texts at all?

Contact can include texts, but you should always verify a message independently before acting on it. When in doubt, reach us through a channel you have checked yourself.

What if I already clicked a link?

Do not enter any details on the page. If you shared bank information, contact your bank promptly, and reach us through a trusted channel to check the account.

How can I be sure a payment request is genuine?

Never pay from a text link. Verify our details independently and pay only through a channel you have confirmed is genuinely ours.

Still stuck? Our team is happy to help you sort it out.