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Remember when the ringing of the phone used to be the harbinger of good news? I must get at least 30 cold calls a week, each more irritating than the last.

Nowadays, it is more likely to be an oily twerp called Darren selling life insurance or loft insulation.

In July, the average payout was as high as £10,882.

With one in four British adults using a dating website at some point in their life, according to Which?

, users are being warned to be vigilant while online, particularly as the fraudster's tactics are becoming more elaborate.

They might say a family member is ill and they need funds for urgent medical treatment.According to recent figures, these requests for cash appear to be working.There were 651 dating scams reported in the three months to August this year, with the average victim paying out £9,589.One includes the scammer telling the victim that they don't have enough annual leave left to come and visit them but that they can buy some from their employer.This costs around £250 a day, so 10 days will cost £2,500.

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