High risk
01604 913123
AI Summary
Based on 10 community reports
This Northampton-based number, routed through Twilio Ireland, is generating consistent scam reports across multiple banking impersonations. Callers claim to represent fraud departments from various banks including Virgin Money and generic "your bank," often leaving voicemails about declined payments, suspected fraud, or stopped transactions. The key red flag is that these numbers don't match the official contact details people have for their actual banks, and the tactics follow a classic pattern—creating urgency around account issues to pressure you into providing information or calling back.
Banks will never cold-call you about fraud using unfamiliar numbers or ask you to verify details over the phone. If you receive a call like this, hang up and contact your bank directly using the number on your card or their official website. Never give personal or financial information to unsolicited callers. Block this number to avoid further contact.
Written automatically by AI from the community reports on this page. It does not set the spam score, and it can make mistakes, so read the reports below as well.
Pattern detected: Bank impersonation scam
Several community reports about this number describe the same experience.
Multiple reports mention a caller claiming to be from a bank. This reported pattern suggests the displayed number may be used in a bank impersonation attempt.
Based on screened community reports only. Caller ID can be spoofed, so reports may describe misuse of the displayed number rather than the registered number owner.
Common details reported
Details that appear in two or more community reports about this number.
- Reported scam type
- Bank impersonation scam
- Recommended action
- Hang up and call your bank yourself using the number on your card, or dial 159.
10 moderated reports
Every report on this page was screened automatically and then approved by a moderator before being published and counted towards the score. How moderation works
Cumulative spam score based on all reports up to each month. Higher percentage means higher reported scam risk. Cumulative spam score based on all reports up to each week. Higher percentage means higher reported scam risk. Cumulative spam score based on all reports up to each day. Higher percentage means higher reported scam risk.
Most helpful reports
10 totalSubmitted by users and shown as written, so wording and spelling are their own. Each report is screened and approved by the CallerCheck Moderation Team before it appears.
Didn't answer call but message left saying it was fraud department from my bank. It's not the number I have for fraud team.
Called to check if I had made a purchase that got declined
Said it was Virgin bank about some texts
Virgin money scam call
Said it was the bank
Said they were from my bank.
Got a call about a payment being stopped. Said nothing to them and that i would look into it myself. They hung up.
I got a call from this number today, and now I'm feeling worried.
I did not answer but the automated voicemail said it was virgin fraud people and asked us to call them back because there was fraud on the account. We live in Glasgow.
They told me they were from virgin banking fraud department but they are based Leeds area
Share Your Experience
Help others by reporting what happened
How this page was checked
This profile is built from community reports, lookup activity and CallerCheck risk signals. It is not written by hand for this number, so the details below show who checks what and when it last changed. The risk score is based on community reports about calls and texts from this displayed number. It is not based on official records of who owns the number.
- Reports moderated by
- CallerCheck Moderation Team
- Safety guidance reviewed by
- CallerCheck Editorial Team
- AI summary
- Generated from approved community reports only
- Last report received
- 27 May 2026
- Last reviewed
- 27 May 2026
- AI summary last generated
- 31 Aug 2026
- Last materially updated
- 31 Aug 2026
What do these dates mean?
Report and lookup dates come from user activity. Review dates show when CallerCheck last checked reports, safety guidance, or risk signals. We use “last materially updated” only for meaningful page changes, not cosmetic changes.
- First seen:
- when this number first appeared on CallerCheck, through its first lookup or report.
- Last report received:
- the most recent approved community report for this number.
- Last lookup:
- the most recent time a user searched for this number.
- AI summary last generated:
- when the AI summary on this page was last rewritten from the approved community reports.
- Last reviewed:
- the most recent human moderation or editorial review, where available.
- Last materially updated:
- the most recent meaningful change to this page: a new approved report, a risk score change, an AI summary regeneration, a moderation action, or a claim or dispute change. It does not move for cosmetic changes.
Sources and safety guidance
- Community reports about this number, screened before they are published or counted. How moderation works
- Ofcom numbering allocation data for the network this range belongs to
- Safety guidance aligned with UK scam-reporting advice, such as Action Fraud guidance, forwarding spam texts to 7726, and the 159 banking helpline where relevant. Where to report a nuisance call
Important limits
Caller ID can be spoofed, so a high risk rating means people have reported suspicious activity involving this displayed number. It does not prove that the registered owner of the number made the call or text. Community reports describe individual experiences and are not official confirmation of a scam. How caller ID spoofing works.
Own or manage this number? If this number belongs to you or your organisation, you can claim or dispute this profile. We review claims, check supporting information, and may update the page if reports appear to involve spoofing, mistaken identity, or outdated information. Claim or dispute this number
About 01604 913123
What type of number is 01604 913123?
The phone number 01604 913123 (also written as +44 1604 913123) is a UK landline number originating from the Northampton area in England . Calls to this number are charged at standard UK landline rates, usually included in call packages.
Is 01604 913123 safe to answer?
Based on 10 community reports, this number has been frequently reported as spam or a potential scam. The current risk score is 84% with 7 reports marking it as spam .
Exercise extreme caution if you receive a call from this number. Do not share personal or financial information.
What this data can and cannot tell you
Everything on this page comes from reports submitted by members of the public about calls and texts that showed this number. Caller ID can be spoofed, so the person contacting you may not be the genuine holder of the number, and a legitimate number can be misused. Before paying anything or acting on a message, check the claim with the organisation involved using contact details from its official website or letters, never the ones in the message itself.
More on nuisance calls
Safety score
10 reportsHow this score was worked out
Each report rates the number as safe, unknown, suspicious or spam. The score blends those ratings, giving more weight to the more serious ones, and a number with only a few reports is held closer to neutral until more arrive. Feedback votes on reports can also influence it slightly. Scores of 70% and above count as high risk, 40% to 69% as medium, and below 40% as low. More about spam scores
Why this number is rated High Risk
This number is rated High Risk because 10 of 10 reports classify it as spam or suspicious, and several reports describe the same bank impersonation scam. No reports identify the number as safe or expected.
Ratings reflect screened community reports, not official records. How the spam score works.
Confidence: High
Based on 10 community reports with repeated matching details. Confidence describes how much report evidence sits behind this page, and is separate from the spam score.
Caller ID can be spoofed, so reports may describe misuse of the displayed number rather than the registered number owner.
Details
- Tel Number
- 01604 913123
- Country
- 🇬🇧 United Kingdom
- Network
- Twilio Ireland
- Area
- Northampton
- Type
- Geographic
- Coverage
- Northampton and the surrounding area
- Cost to call
- Standard landline rate
- First Seen
- 24 Jan 2026
Network shows the operator this number range is allocated to in Ofcom numbering data, so the caller may be on a different network if the number was moved or spoofed. First Seen is the date this number first appeared on CallerCheck.
What To Do Now
Steps that fit the bank impersonation scam pattern reporters describe.
-
1
Never share codes
Do not share one-time passcodes, app approval codes or full banking passwords. A genuine bank will never ask for them.
-
2
Hang up and call back
End the call, then contact your bank using the number on the back of your card or a recent statement.
-
3
Use 159
In the UK you can dial 159 to be connected securely to most major banks.
Already paid or shared bank details? Call your bank straight away using the number on the back of your card, or dial 159 to be connected to your bank securely.
Call Types
Breakdown of reported call reasons. Larger segments and bars represent a bigger share of reports.
Location
Northampton, United Kingdom
This number originates from the Northampton area code region. The map shows the general geographic area, not an exact location.
Protection Guides
How to Block This Number
Clear instructions for iPhone, Android, and landlines
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