The toll bill one seems quite common at the moment, so look out for that if you're in a state where it's relevant.

Anyone on Gumtree who asks you to email them instead of the app, or seems too eager to pay is a scammer.

I'll go so far as to say that you shouldn't click any links coming from a business via text. Nor should you call a number that starts with anything other than 1300 (again, if solicited by text). Go directly to the banking app or mygov and call the number on the contact/support page.

If the fraud department rings then get the name of the caller, hang up, call the number in their app or on their site and tell them you just had a call. If they don't know you, you just dodged a scam. Otherwise, continue and listen to them. If the fraud department thinks you're being scammed, they're probably right.

Most companies will not text important info to you. If you get a text claiming to be from a company, email/ call that company and ask if it was them.

Here's a handy PDF: https://www.accc.gov.au/about-us/publications/the-little-black-book-of-scams

Two tips I can think of are:

• financial institutions never include links in emails. They ask you to search for their website and login there
• Push back against any time pressure callers make. The police are never on their way during a call with the ATO. Stay calm and say you'll call them back. That's the last thing scammers want because you'll call the real ATO and the problem won't exist.

I've been thinking of something for more scam conscious people as well; you'd never say a lock can't be broken or some software can't be hacked, we should take the same approach and think we could be scammed at any time ourselves. It's not that we're immune to scams, it's that we haven't encountered one good enough to fool us yet

Banks will never ask you for your personal information like your address or bank details. They already know that. They are also required by law to tell you which branch they are from and their name.