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I was in the park with my son and his best friend. I saw 2 missed calls from a number I didn’t recognise. I Googled it - it was my bank. I told the other adults that I should call back in case it was important. This was mistake number 1. Nothing the bank might want to talk about could be urgent enough to interrupt an unseasonably sunny March afternoon. I got through to the bank, but they couldn’t work out why they had called me. I assumed that my credit card was being used for fraud and their s...