I live in a border town in Isaan, today I was at the local Tesco and just after using the ATM to make a withdrawal I was approached by a middle aged foreign woman, she asked if I spoke English and then proceeded to tell me she was an Australian tourist on her way from Bangkok to Laos and the group she was with had over-nighted in our town the previous night before crossing the border. She said she had come to Tesco to use the ATM before crossing the border and the ATM had impounded her ATM card, she stated she had called the emergency number on the ATM machine and they were of no help.
Then she called her bank and they told her that her card had been locked and impounded due to a fraud alert and they would send her a new card that would arrive the next day. She stated that she had no money for anything and couldn't pay even for another night at the hotel and was looking for someone who could help her. I told her that if she explained to the Hotel staff what had happened it was very likely they would allow her to stay until she receives her new ATM card, to which her reply was that she didn't even have enough money to get a ride back there. I then asked her if she had a working phone, she replied that she did, so I suggested she call the Tourist Police and they would assist her. Then she said, "so you're not going to help me?" to which I began to reply that I would like to help, but her story has become a popular way to scam people out of money, and though I would like to believe her she is a complete stranger to me. But once I got the word scam out she walked off and commented loudly over her shoulder, "You don't need to explain!"
Here is what stood out to me: I was approached immediately after using the ATM to withdraw money, it was a story I had heard of others being scammed by, and the thought came to my mind that if I were traveling from Bangkok to Laos I would definitely have withdrawn adequate funds before beginning the trip just in case there was a problem. While I don't feel good about not helping her, there were just too many red flags. What would you have done? Given her money or not?