Conmen are preying on virus fears, with bogus online stores selling face masks and hand sanitiser and fake emails mimicking official health bodies to trick recipients into downloading computer viruses or giving away passwords. There are fake sites offering refunds on cancelled holidays. Fraudsters are gaining access to homes by offering to take residents' temperatures or selling anti-virus tests, face masks and hand sanitiser. They are posing as charity workers volunteering to do vulnerable people's shopping. Savers must avoid making rash pension decisions as criminals exploit fears over market turmoil, especially with offers in emails. Criminals are targeting cash-strapped businesses applying for emergency funds by sending out fake emails claiming to be from HMRC. They are also posing as police and issuing fines via email to businesses they claim are 'trading unlawfully' during lockdown. Everyone is advised to be on their guard, and always ask for identification.