A PENSIONER is warning people to be on their guard after being targeted by a phone scam.

Terence Smith received a text message saying he was owed a £284 tax rebate.

The retired building contractor became suspicious and contacted the Inland Revenue, who confirmed it was bogus.

"I thought blimey - I've got a tax refund," said Mr Smith, of Third Avenue, Frinton.

"I thought it was a bit strange because usually they write you a letter so I double-checked and they said it was a scam.

"Apparently they get your bank details and then clear out your account.

"I just want other people to know that it's best to double check before doing anything."