How to spot a scam Lucy Harmer, Director of Services at Independent Age, the older people’s charity, gives her expert tips on how to spot a scam. The charity has just launched a new, free advice guide, called Scamwise: Spotting, avoiding and reporting scams, which can be ordered for free via independentage.org/scamwise or by calling 0800 319 6789   Is it unexpected? – It could be a scam if you’re contacted out of the blue – for example, an unexpected…