Every morning this week, I have received a scam by email — all from apparently reputable firms but with URLs containing a man’s name or a conglomeration of letters. Normally, these are easy to detect and obliterate.

In the early days of the internet, I was robbed rather than scammed. I found my credit card maxed out and my savings to pay my tax gone.

When I rang the bank, they identified me and said my address of 12 years was wrong. I had, allegedly, changed it when I had enrolled for internet banking.

This was something I had not done. Someone else had on my behalf, and after receiving a few of my statements, they had gutted my accounts. I had it all back in a few days.