Imagine the panic. The call comes a few hours after you've hit send on the deposit funds to secure your dream home purchase.

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You are told that the funds never arrived. That there was no funds transfer request.

Horrified, you recheck the final email you received - the one marked urgent, with revised bank account details.

You look more closely and are confronted with the unthinkable - the email is fake. You've been scammed and your life savings have vanished. There is no new home to celebrate.

Sadly, this is not hypothetical. In Sydney last year, a couple unknowingly transferred $970,000 to scammers during what they believed was a routine se

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