It’s very unfortunate you were a victim of this but thank god you got your money back.
It’s just a bunch of dickhead fraudsters in their early 20’s using pathetic methods to obtain personal information and steal money from people. They’re all vile and really, have no other path in life.
They use many methods to steal money, you’re lucky this dirtbad fraudster didn’t transfer your money to Coinbase or Blockchain, because then you really wouldn’t have gotten a penny back as a lot of them have widely adopted to using cryptocurrencies even though they know jackshit about crypto anyway.
Thankfully I know the ins and outs these lowlifes use to phish information and steal money from people, but I do hope Monzo and other banks up their security and protect everyone’s money from these dirty little scammers.