“ Hi, would you like to invest in our 100% cashback company, InvestSure ? Ok, what is your name and surname ? Thank you Mr Johnson, all that is left is your credit card details and email then you’re all set. What’s your email address? Ok, got it, could you quickly send us the details ? Thank you very much Mr Johnson, you will be hearing from us shortly. “ Byron puts down the phone, his head is throbbing, and the guilt that fills him every day starts to creep up, emerging from his gut.

When he gets home, he does what he always does, shower, pre made meal in microwave, change into pajamas, eat alone, watch tv, make tea, drink tea, brush teeth, go to bedroom. It is as boring as it sounds, always the same predictable routine. But tonight, something changed, his phone is ringing, but he answers it. “ This in Byron speaking. What ? Yes actually, my house did get hail damage. You do repairs? Pay before service ? Ok, what is you company’s name ? I will be sure to send you the money, when will you be able to come ?

Ok, see you then. Byron opens his banking app and forwards the money, $15000 into their bank account, and his phone makes the high pitches ping that confirms the that the EFT was successful. “. Finally “ he thinks to himself, “ I’m accually getting this old place fixed up. “

Days go by, then weeks, then months and still nothing back from the hail and water damage company. He’s treid calling hundreds of time, but is goes straight to voicemail, he tries one more time. As he listenes to the recorded voice, he realises what happened…