Your browser isn't supported
It looks like you're using an old web browser. To get the most out of the site and to ensure guides display correctly, we suggest upgrading your browser now. Download the latest:

The MoneySaving Forum: join to chat & swap tips with other MoneySavers. Learn how in the Forum Introduction Guide

Stop Spam Texts

Beat unsolicited, marketing SMS
Stop spam texts

Spam texts are a modern scourge, plaguing our mobile phones with unwanted adverts, often from dodgy companies. Yet it is possible to fight back, report them and minimise the number you get.

This guide explains how to identify the three main types of unwanted texts and how to deal with them.

What type of text is it?

An example of a legitimate marketing messageThere are three main types of spam message and each needs to be dealt with in a different way.

Legitimate marketing messages

These should include the name and contact details of the sender. You will usually have given consent for them to be sent, though possibly unknowingly.

How to spot 'em: Firms will identify themselves within the body of text or in the sent-from number (this will show as text). If not, it's breaking regulations and can be considered spam.

How to stop 'em: Read Stop Marketing Texts

An example of a premium text message

Premium messages

Again, these are services you have agreed to but you may be unaware that by buying a service, or game, on your mobile you're getting a regular, charged text.

How to spot 'em: It will be from a four, five or six-digit number and will bill you for receiving the message.

How to stop 'em: Read Stop Premium Texts

An example of a spam text

Spam texts

These usually message randomly generated numbers, advertising services such as accident 'ambulance chasers', PPI claims handlers or debt write-off firms.

How to spot 'em: They usually come from an 11-digit mobile number and the company isn't identified.

How to stop 'em: Read Stop Spam Texts

Spam texts: NEVER reply

These are messages you've never asked for and don't want. They're likely to be generic, not targeting you personally, though it depends on the company.

Spammers frequently change these messages in order to try and evade detection, resulting in a large number of variants.

Increasingly, these messages are sent by computers to masses of randomly generated numbers. They use multiple pay-as-you-go Sim cards which will often only be active for a week or two. It's a scam aiming to obtain genuine personal details. The GOLDEN rule is...

Do NOT reply, at all, ever - do NOT text STOP!

These texts WANT any response to confirm you are a real person. Some even try to trick you by saying "text 'STOP' to be removed from the mailing list". IGNORE THIS! (Of course, it can be difficult to split the legit from the not-legit.)

Any numbers that are confirmed are likely to be sold on to injury claim specialists, PPI reclaiming firms or other unscrupulous marketeers who may further spam you with unsolicited calls and texts. Ensure you don't click on any links within the text either.

Quick questions:

Are any claims messages legitimate?

Is it illegal for them to sell my details?

Five steps to minimise spam texts

Unfortunately there is no official opt-out system for these spam messages, as they are sent to tens of thousands of numbers at a time.

They are often sent by companies operating from abroad and thereby outside the ambit of British law, or from pay-as-you-go Sims (also evading the law), so nothing is assured to work. However, there are steps that will help reduce the number of spam texts you get:

  1. Never reply

    Don't reply to any sort of spam message. It confirms your number is active. If you confirm interest your details will be sold on to a firm which may call you to try to get you to use them. The legitimacy of these firms often can't be confirmed.

  2. Be careful who you give your number to

    Take care when filling in details, especially for marketing companies or those asking to send your details to third parties. Don't give your mobile number unless absolutely required - this should at least cut down the number of unwanted but legitimate calls.

  3. Don't list your mobile number anywhere online

    That includes Facebook, Twitter, LinkedIn, our forum or elsewhere - even in pages you may think are private.

  4. Always check privacy policies and marketing opt-outs

    These can be tricky, as companies often bury this information because they want to contact you, so always check the small print.

  5. Complain to the Information Commissioner

    All complaints will be investigated by the ICO. Offenders can be punished with fines.

What do I do if I get one?

There are two options you can follow when it comes to spam messages. These won't completely stop them but the more of us that do this the the more it helps to reduce spam in the future.

1. Report it to your network provider

The first option is to report it to your network provider. The big networks have a simple, FREE method to help you do this.

Just forward the message to 7726 (spells SPAM), making sure it includes the senders' number.

Text 7226 to report spam texts

2. Report it to the Information Commissioner

The second option is to report it to the Information Commissioner, which can fine firms up to £500,000 for the most serious breaches of the Privacy and Electronic Communications Regulations (PECR), which govern spam texts. In 2013, a pay day loans company was fined £175,000 after it was found to be sending millions of unlawful spam texts.

The ICO can look at texts sent within the UK or on behalf of a UK company. Unfortunately, some messages are sent by companies outside the UK or through anonymous pay-as-you-go Sims, which means they are difficult to prevent or punish, and difficult to stop.

Spam messages in the bin

However, you should still make a complaint to ICO. It can then investigate the matter, and penalise firms if it thinks rules have been broken and they are based in the UK.

It looks at every complaint and the more detail you provide, the better. Check the ICO's website for information about recent investigations before making a complaint.

If you get one of these texts, you should record exactly what the text says and the number it was sent from, then complain to the ICO via:

What if I need a help with a claim or debt?

Many of these companies charge for services which you can do yourself, such as reclaim PPI, write off your debts and get a tax rebate.

  • CPP reclaiming

    Up to 7m people were mis-sold credit card & identity theft cover by banks and CPP. Letters have been sent out including claims forms for getting the money back and our Reclaim CPP Card Protection guide includes step-by-step instructions on how you can get your share of the £1.3bn redress pot.

  • PPI reclaiming

    For most people, this can be done for free, without giving up any of your compensation, using the template letters available in our full PPI Reclaiming and Credit Card PPI Reclaiming guides.

  • Write off your debts

    This is almost impossible. If you need help with problem debts, you should contact a free debt-help agency such as Citizens Advice, StepChange or National Debtline. Full info in our Debt Problems guide.

  • Accident compensation

    This is difficult to do by yourself. But by the same token, firms using unsolicited texts are unlikely to be the best route.

    If you want to pursue an accident claim, try speaking to your insurer, or seek advice from Legal Aid or Citizens Advice. For a full list of authorised and regulated claims management firms, see the Ministry of Justice.

  • Tax rebates

    In 2012/13, HMRC announced 3.5 million people were due a tax code rebate as they’d overpaid, sometimes for years (see the MSE News Story 5.5m paid wrong tax in 2012/13).

    Almost instantly, firms popped up offering to do it for you for a slice of the dosh. Yet you can easily do it yourself at no cost. See our Free Tax Code Calculator for a step-by-step guide on checking if you're owed and how to get it back. Reclaiming successes of £1,000 are common – and some get even more.

  • Payday loans

    The texts will offer instant access to cash for a short term at extremely high interest rates. These should only be used as a very last resort. See the payday loan guide to find out more. Alternatives include 'Bad Credit' Credit Cards and Credit Unions. If you need help with managing debt, visit our Debt Problems guide.

  • Insurance policies

    Spam texts offering cheap insurance are unlikely to represent the best cover for you. Instead read our full cost-cutting systems for Car, Home, Travel, Pet, Breakdown and Life insurance.

Legitimate marketing messages: Opt out

Marketing billboardYou get legitimate marketing messages when you fail to tick or untick a box (whether on purpose or by accident) and allow companies to send you marketing messages or give your details to third party operators.

If legit, the text will always include the sender, in line with regulations. If you don't know who the message is from, then BEWARE, it's probably SPAM!

How to stop them

Firstly, text 'STOP'. Firms are legally obliged to pay attention to this. However, make sure you are 100% certain it is a legitimate marketing message, or you may get even more spam. If that doesn't work, try the website of the company named in the message. You should be able to find an option to opt out of receiving its texts. If not, phone the firm and request it stops.

If that doesn't work, complain to the Information Commissioner, who can punish the firm with fines. To complain to the ICO:

Premium rate messages: Text 'STOP'

These are sometimes called 'reverse billed' messages. It's where you get charged for receiving a text to your phone. These are becoming more and more common - normally for subscription services such as games, or weather/news updates.

Often you will have signed up for these services in the past, but subsequently forgotten or not cancelled. The cost can run into £100s, so act quickly to avoid paying a fortune.

How to stop them

Just text 'STOP' or 'STOP ALL'Here you should reply STOP or STOP ALL, in order to block future messages from that company.

This should work, but if the messages keep coming, use PayPhonePlus's Number Checker. Simply enter the number and it'll give you contact details for the company, which you can use to request it stops the messages. Alternatively get in touch with your network provider and ask it to stop the messages.

If this fails and you're still tearing your hair out, the final stage is to get in touch with the premium rate regulator PhonePayPlus and it'll investigate your complaint.

Can you get your money back?

Sending texts to people who have explicitly specified they don't want them is unlawful. Unfortunately, you'll only be entitled to a refund if you DIDN'T subscribe to the service. Failing to opt out of messages - where you fill in a form which automatically signs you up to a premium text service, unless you specifically tick or untick a box - doesn't count as subscribing to the service. You must actively sign up before they can legitimately send texts that charge.

If you're sure you never signed up for the premium texts, don't delete the message. You may need the details later. You can try to get a refund for any charges incurred through PhonePayPlus which regulates this industry. Follow this quick two-step process.

  1. Find the texter's details

    Use PhonePayPlus's Number Checker to garner as much info as you can about the sender.

  2. Register your complaint

    Online: Use its ready-made online claim form, then PhonePayPlus will investigate your case for a refund, then write to you with its outcome plus, if you've won, how to get your money back.


    Phone: 0800 500 212 (Mon-Fri, 9am-5pm)

PhonePayPlus will ask the provider for proof you signed up to receive the service. If there is any doubt they can order the firm to refund you. In cases of serious harm the firm can be fined up to £250,000 and barred from operating premium rate services.