SearchSuomeksi. Lue tämä sivu suomeksi
Menu
Independent publication. Nothing to sell.What to do if you shared information or already made a payment.

It already went wrong

These steps can help limit the damage in your situation.

Start with your bank if you gave out credentials or card details, or if you made a payment. Work through the other steps as they apply to you.

Open the guidance that fits your situation

If more than one item applies, go through each of them.

Act on each situation that applies

  • Contact your bank

    If you gave out bank credentials or card details, or made a payment, contact your bank. The bank can freeze the card and stop payments.

    Banks and public authorities do not ask for bank credentials or confirmation codes by email, text message or telephone. Source

    If a caller or message asks for your credentials, end the contact and check the matter with your bank yourself.

  • Cut the remote connection

    If you let somebody take control of your computer, disconnect it from the network. If you do not know how, turn the device off.

    Change your passwords from a different device, your phone for instance. If you change them on the same computer, the other party can see the new ones.

    Remove the requested app, install updates and run a full security scan. Source

    If the scammer had administrator rights or you do not know what they did, wiping the device and reinstalling its operating system is the most reliable clean start. Source

  • Change your passwords

    Start with your email, because many other account passwords can be reset through it. Then secure your bank account and the services that hold your card details.

    Do not use the same password in two places. Turn on two-step verification where the service offers it. Source

  • Protect your personal details

    If you gave your personal identity code or a copy of your identity document to the wrong person, enter a free voluntary credit ban in the Positive Credit Register. Source

    You can also allow the register to pass the credit ban to Suomen Asiakastieto and Dun & Bradstreet.

  • Send a written notice about the order

    If the seller says a contract was made, send the company a written notice. You can copy the text under “Notice about the order”.

    Keep the message you send. It shows when you cancelled the order.

    The phone sales page explains why a call alone usually does not bind you.

  • Report it to the police

    A criminal report can be made in the online service of Poliisi (the police) or at a police station. In non-urgent situations the police recommend the electronic report. In an emergency, call 112. Source

    poliisi.fi explains how to make the report.

Notice about the order

Use this if you did not accept the offer or want to withdraw in any event. Fill in the parts in square brackets and send it to the company's customer service.

The message is in Finnish for a business in Finland. An English translation follows.

En ole hyväksynyt puhelun jälkeen lähetettyä tarjousta kirjallisesti tai muulla pysyvällä tavalla, joten katson, ettei sopimusta ole syntynyt.

Jos katsotte sopimuksen syntyneen, peruutan sen joka tapauksessa kokonaan.

Tilaus: [tuote tai palvelu]
Tilaajan nimi: [nimesi]
Osoite: [osoitteesi]
Asiakas- tai tilausnumero, jos tiedossa: [numero]

Pyydän kirjallisen vahvistuksen tähän sähköpostiosoitteeseen.

[päivämäärä]
[nimesi]

What it says, line by line

En ole hyväksynyt puhelun jälkeen lähetettyä tarjousta kirjallisesti tai muulla pysyvällä tavalla, joten katson, ettei sopimusta ole syntynyt.
I did not accept the offer sent after the call in writing or through another durable medium, so I consider that no contract was made.
Jos katsotte sopimuksen syntyneen, peruutan sen joka tapauksessa kokonaan.
If you consider that a contract was made, I withdraw from it in full in any event.
Tilaus: [tuote tai palvelu]
Order: [the product or service]
Tilaajan nimi: [nimesi]
Name of the customer: [your name]
Osoite: [osoitteesi]
Address: [your address]
Asiakas- tai tilausnumero, jos tiedossa: [numero]
Customer or order number, if you have one: [number]
Pyydän kirjallisen vahvistuksen tähän sähköpostiosoitteeseen.
Please confirm this in writing to this email address.

New calls or messages

If you receive another call or message, do not give out credentials or pay because of it. Check the matter in the organisation's own service or through a number you find yourself.

You do not have to answer an unknown number. Ending a call is not rude.

Where to get help

If you need help, ask someone you trust to join the calls and password changes.

These are general steps. Kuluttajaneuvonta will assess your own situation and advise you on the dispute.

Checked