Lavender Bank

I speak of my lavender bank from time to time, well here it is in all its glory.

I got myself in a bit of a tizz this morning......
.....most days Janelle sends text and photos via WhatsApp as they travel through South East Asia.  
This morning I got a message from her saying her phone "was broke" !!  First red flag !!  It went on to say that "now that my phone broke I can't make transfers and I've got a overdue payment.  Can you do it for me please?"  The spammer went on for a bit, then asked for my card details......Spammer reported and blocked.
How can they do that, how do they do that ??  Grrrrr !