NEW DELHI, Jan. 22 -- Picture this: After a long and hectic day, you reach home in the wee hours. Barely having grabbed a glass of water, your phone starts ringing. The call is from an unknown number. Usually, you don't take calls from an unknown number at this time, but you still pick it up. The person on the other side sounds panicked.

"Someone has stolen my purse, Beta, which had my phone too. I saw the thief and was trying to catch him when a car hit me. I went unconscious, and this man brought me to the hospital. I don't have any money right now. I have to make a payment to him. Please transfer Rs 10,000 to this number," says one of your close family members. Immediately, you transfer the money and head towards the garage to take ou...