Your phone pings and it’s a message from your bank about a new payment being set up on your account. If you do not recognise the transaction, it says, you should get in touch. There’s a number for you to call.
The person on the other end of the line tells you that your account has been compromised by scammers. They need details from you so they can help protect your money. Before you know it, they are giving you details of a safe account to transfer your savings to, or asking you to hand over your debit card so it can be replaced.
