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Never do anything contained IN an email or memek click on any link in an email. If you are concerned look for the website to use on paperwork you have, or independently go to the official website using a web address that you know works, outside of that contained in the email.

Never provide IDs, Accounts, PINS, Passwords to anybody emailing you, phoning you or coming to see you.

If you get an email or phone call that you were not expecting saying you have won something or offering you some get rich quick opportunity - do not answer it - if it too good to believe - it is a scam.

Never answer unwanted phone calls or emails, and with emails mark them as SPAM then delete them without opening them.