I received a call from a well-spoken bank employee about a Netflix refund, but when I checked my account, £10,000 was missing

A war veteran felt his “heart had been ripped out” when he lost £10,000 in a cruel scam.

Shane Arnold was tricked into sharing his bank details after receiving a fake email saying he was entitled to a refund.

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The 71-year-old said the trick was especially convincing because the man posing as the scammer spoke to him with a “posh accent.”

After entering his bank details, the accused scammer allegedly gathered enough information to call Arnold the next day, posing as a security guard from Commonwealth Bank.

Shane told 9News: “(It was) extremely convincing, he spoke with a posh English accent.”

But he was none the wiser that he was actually speaking to 19-year-old Kahlid Mahamud from Melbourne, who used AI to disguise his voice.

Shane was reportedly told his account had been hacked and was told to put his bank cards in a bag to be picked up by a driver.

Then, a few hours later, the accused youth allegedly withdrew thousands of dollars and spent money in bizarre ways.

He is said to have bought dozens of Kmart gift cards, a strawberry milk drink and a Magnum ice cream before treating himself to a brand new iPhone.

Mahamud has been charged over the incident and while his case has only just begun, Shane is fighting to get his money back.

The deflated grandfather said, “I worked for about fifty years to get there money“and added: he felt like (his) heart had been ripped out”.

Shane said the bank should take on some of the blame and has filed a report with the Australian Financial Complaints Authority (AFCA).

The Commonwealth Bank reportedly only offered to pay him back £790.

Shane believes that anyone who has been scammed deserves to have their money returned.

“None of them deserved to be defrauded and none of them did anything wrong,” he said.

CBA said Arnold's case was managed by AFCA.

It comes as one woman gave her online lover £321,000 when he told her that he was being held captive by smugglers and that she can now barely afford food.

Moe Lenart was happy to have found a match online after her husband of 14 years, Philip Malcolmdied.

Shortly after signing up for the website, Moe struck up a conversation with a man calling himself Joel Christopher Junior, although that is now known as a pseudonym.

Over the course of the next one For a few days, 'Joel' Moe told how he also got out of the USAbut involved in the diamond mining industry and therefore had to travel abroad regularly.