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She is 5’6”, has never been married, and has long brown hair and blue eyes.Photos used are often selfies of her wearing skimpy vest tops showing lots of cleavage.

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Jane advises meeting up with someone sooner rather than later - more often than not, scammers are based abroad and won’t be able to meet you.

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.

Nancy is now facing bankruptcy, and although her case is extreme, the average victim of online dating fraud loses £10,000 according to Action Fraud.

By analysing the top 3,000 scammer profiles (that is, those they’ve come across most frequently in profiles blocked by their software in the last year) they’ve discovered what constitutes the ‘most attractive’ female and male propositions to those targeted by romance scammers.

The male profile is in his late 40s (48 is the most common age) with a high income.

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This is bad news for the banks, but sympathy may also be in order for the people who literally live their lives under a cloud of credit card debt.

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