I was in Spain, having made a “little trip” there. I had lost my luggage with my passport, phone and credit cards. The embassy was keen to help me, but they could not do it without money (perhaps they had lost their luggage too). Bank verification would take time. Could you please send me $900 ASAP through a Western Union money transfer? I will, of course, pay you back when I get home.
That was the gist of the message. It was sent to every friend and acquaintance on my contacts list (including myself). The first phone call, early in the morning, said simply: “You have been hacked!”