Your phone pings - it's a loved one who needs your help. Would you know what to do?
Lots of us have received the 'Hello Mum' text - sometimes it's dead easy to spot. But what if the circumstances fit, and they catch you completely unawares?
In this episode, Shari Vahl, Alex Wood, and Dr Elisabeth Carter discuss how the scam, which preys on parental instinct and urgency, is getting increasingly cunning - and they examine the tools the fraudsters use to manipulate us.
Listener Anne, who was almost conned out of £2,000, tells her story. Guest expert Nick Sharp from the National Crime Agency tells us how these criminals are targeting us - and he's no exception, having recently received a Hello Dad message that landed on his work phone.
As ever, the red flags will be waving when there's something to watch out for, and you'll be armed with the knowledge to steer well clear of the criminals.
PRESENTER: SHARI VAHL
PRODUCER: TOM MOSELEY