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

• Get our breaking news email, free app or daily news podcast

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.