One of the most common techniques is to build up trust with the person by messaging for weeks or even months before suddenly having an emergency - the fake person being mugged but their daughter needing urgent surgery, for example - and asking for money.
But then they suddenly need money for rent too, then food, then medical fees, and it can quickly escalate.
It was only when her money transfer was blocked due to a security alert around the man’s name that she realised something was wrong.
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“A lot of the online dating fraudsters we know are abroad.
They're in West Africa, Eastern Europe and it's very difficult for British law enforcement to take action against them in those jurisdictions,” Steve Profitt, Deputy Head of Action Fraud explains.
And a lot of the time, you’re not just talking to one person behind each profile - you could be exchanging messages with a circle of fraudsters acting together, according to KIS Finance.
Serious fraudsters sometimes even create further fake profiles and use them to be rude to you, all to make the main fake profile seem more desirable.
Nancy*, a 47-year-old single mother from North Yorkshire was conned out of over £350,000 that way: “I wasn't comfortable, and then I got so far in I couldn't get myself out, and I didn't want to walk away having lost £50,000 or what-have-you, so you keep going in the hope that you're wrong and this person is genuine,” she explained to the BBC.