Whatever type of nuisance call you're receiving, you can take some basic precautions to minimise the disruption to your life and maintain control of the situation:

• Stay calm. Simply say 'No, thank you' and hang up the phone. If the nuisance call is from a telemarketing company, request that they take your name and number off their calling list and don't call you again. By law in the UK companies must comply with your request.

• Register with the Telephone Preference Service (www.tpsonline.org.uk) to reduce the overall volume of nuisance calls you're receiving - independent research that this is likely to reduce the number of unwelcome calls you receive by 50%.

• Never reveal personal information, particularly credit card details, unless the caller is someone you know and trust. If you're interested, but unsure, request information in writing or ask questions that will confirm the caller's identity.

• Never let yourself to be rushed into a decision on the phone. Take your time and request written confirmation of an offer or request for money before you make a commitment. If something sounds too good to be true then it's probably a scam.