Regulatory warning about “cloning company” using fake MoneySavingExpert and Martin Lewis email addresses


    The warning issued today by the Financial Conduct Authority (FCA) warns people not to deal with what they call a “cloning company”. The cloning company is believed to have sent emails allegedly from (MSE) and Martin Lewis offering savings accounts with abnormal rates. The emails were sent by:

    • and

    But these addresses have nothing to do with us. MSE will never make a cold call. We’re a consumer help website to fight your corner. We do not send any emails other than our weekly newsletter or those you receive when you sign up for one of our services. We will also never send someone to call you or knock on your door. Beware of everyone.

    If you’re not sure, go straight to the MSE website – we always put it there – and read our Stop Scams Guide on how to protect yourself and your money.

    Cloning companies use the details of real companies – including ours – as a scam tactic

    Companies must be authorized by the FCA to sell, advertise, or advise on certain financial products. A “cloning company” is the technical term the FCA uses to describe a company that has NOT been authorized by the regulator but is intended for people who claim to be from an authorized company. Fraudsters often use information from companies authorized by the FCA to convince people that they are working for a real, authorized company.

    Fraudsters can use a real company’s name, “company reference number” which shows it is registered with the FCA, and other details to mislead customers. You can also mix incorrect information with some correct information from the registered company.

    For more information on how cloning companies work and how to protect yourself against this type of fraud, see the FCA’s help page.

    What if you are contacted by someone who claims to be us?

    If you believe you have been approached by an unauthorized or cloned company, or contacted about a fraud, you should report it to the FCA online or call the FCA consumer helpline on 0800 111 6768.

    If you have already responded to a scam, stop all further communication immediately, call your bank directly and report the scam to the police via Action Fraud on 0300 123 2040 or report a scam anonymously on the website.

    For more advice, contact Citizens Advice Scam Action through the website or call the online fraud hotline on 0808 250 5050.


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