Earlier this month John, who believed he was due a tax refund, received a text message from "InfoHM".
"I was bleary-eyed from waking up early," he says. "The excitement of what my tax refund would be overwhelmed my normally pretty rational brain."
He followed online instructions, and unwittingly provided personal and bank account details to online fraudsters.
HM Revenue and Customs (HMRC) is now warning young adults to be wary of such phone scams.
In April and May, the government body says, fraudsters target vulnerable people with fake messages to coincide with the time legitimate rebates are being processed.
Because younger adults typically manage their finances via their mobile phones, they can be particularly susceptible to an approach via text message, HMRC warns.
Last Spring, HMRC received 250,000 reports of such scams.
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Image from BBC Website
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