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Late to the party, as usual! I've been reading through your recent situation with your relative, and am pleased to see that she's been reimbursed, even if she needed the Ombudsman service to get her money back. I'm surprised that the bank were somewhat callous about it, and if it was me, I would think about changing banks. A hassle, though, which I appreciate. I fell for a very small scam two years ago, just as I moved house and lockdown kicked in, so more stressed than usual, and definitely more stupid in my response to the phone call than I normally would be. Long story short, I had my money back and made an arrangement with Virgin, among others, to make any contact by post. If anyone rings me on my landline - I am with Virgin but my mobile isn't - and purports to be a Virgin Media technician, with a strong accent but a name that doesn't match it (don't shout at me, please) I hang up immediately. If they're genuine, and there really is a problem that needs to be addressed, they will come back to me. Several hang-ups later but not one re-call attempt, or letter, I'm less anxious now. I did, at one time, ask questions such as "what's my name?" and similar, for fun, but now I can't be bothered. Anyway, forgive my meandering; I hope your relative is calmer now.