A West Lothian woman has told of her confusion as she received a text from a UK-wide bank warning her of a recent payment on her card - despite her not holding an account with them.
The anonymous reader got in contact with Edinburgh Live this morning to discuss the mixed feelings she had about this scam - as she might have spotted the obvious fraud, but others may not be so sure.
Speaking to Edinburgh Live , the 22-year-old said: "When I first saw the text I did panic - as anyone would do when they see 'fraud alert' in block capitals.