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A reader recently forwarded us an alarming email. It claimed to be a "final notice" from the FCA, warned that an account had been frozen for inactivity, and threatened to seize a balance of over £191,000 within seven days unless the recipient acted immediately. It looked official, quoted legal articles, and gave a case number. It is also a complete fabrication, and a good example of a scam doing the rounds in 2026 that is worth learning to recognise, because the same tricks t