Australian phone number search

The Hi Mum scam

By the StoryCheck team · 5 min read · Published 18 August 2026

It arrives as a text or a WhatsApp message from a number you do not recognise. Hi Mum, I broke my phone, this is my new number. Everything that follows is built on you accepting that first sentence.

A diagram collecting scam signals: urgency, unusual payment methods, and numbers that do not match
Every version of the script avoids letting you verify.

Why the new number matters

The new number is not a detail, it is the entire mechanism. It explains why the message does not come from the contact you know, it explains why the writing sounds different, and it means you cannot reach the real person on the thread you are reading. Once you accept it, every other oddity has a ready explanation.

How it escalates

The request is always urgent, always modest enough to be plausible, and always time limited: a bill that must be paid today, a payment that will not go through from the new phone. It usually moves to a bank transfer, because a transfer you authorise yourself is far harder to reverse than a card payment.

The check that ends it takes ten seconds. Call the number you already have saved for them. If they answer, the message was a scam.

If you already sent money

Call your bank immediately and tell them it was a scam payment, because recovery depends almost entirely on speed. Report it to Scamwatch. Keep the number and the messages, because they matter to the report. If you want to know what the sending number actually is, a reverse lookup will tell you whether it is a real mobile or a VoIP line with no history.

What the message saysWhy it is suspiciousHow to check
Hi Mum, this is my new numberThe new number is what stops you verifyingCall the number you already have saved
I broke my phoneExplains away the different number and toneAsk something only they would know
I need you to pay a bill todayUrgency prevents you thinking it overWait, and speak to them by voice first
Can you transfer it to this accountTransfers are far harder to reverse than cardsDo not transfer anything
Do not tell Dad, he will worryIsolation is deliberateTell another family member immediately
The script and how to check it

Common questions

How do I know for certain it is not my child?

Call the number you already have saved for them, not the new one. If they answer their own phone, the message was a scam. Asking a question only they would know is a reasonable second step.

Why does the message sound like them?

It does not have to. The broken phone explanation is doing the work: it excuses the different number, the different tone and the inability to talk. That is why the story always comes first.

Can I get the money back?

Sometimes, if you act very quickly. Call your bank the moment you realise and tell them it was a scam payment. Then report it to Scamwatch.

Related guides

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