With initiatives such as Pension Wise and the FCA's Scamsmart the message is getting out there but more needs to be done to ensure vigilance. No-one should be exploited by these scams or hiding their money under their mattress. Surely we can help people find that middle ground? 

When people have been scammed victims can come together to seek to recover their monies as a collective force. Sometimes even when there is an empty shell of a company left actions can be taken against third parties and the director personally. All options for a victim should be explored.