Had I received any suspicious text messages claiming to be from my bank, the fraud team asked. Had I clicked on the links? My stomach dropped

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The scariest part about getting scammed was not realising it was happening in the first place.

Perhaps naively, I never thought I would be the victim of a cyber scam. I’m reasonably digitally literate and have had it drilled into me to be wary of phishing emails and strange text messages. I’ve even received training at my workplace on how to safeguard yourself against hacking.

It may have been this assumption, that cybercrimes target the elderly and vulnerable rather than a tech-savvy zillennial who grew up with mobile phones and the internet, that loosened my guard.