When Nina Merrilees was scammed in 2022, she was left $11,600 out of pocket and shocked that the big banks could handball responsibility for processing the fraudulent transaction without reimbursing her.

The Albury-Wodonga mother fell for the now-infamous “hey mum” texting scam, in which a criminal tricked her into thinking she was transferring money to help her daughter overseas instead of to their fraudulent account.