A few weeks ago I made a stupid mistake. I was going to an event in the town centre. I didn't have any pockets in my clothes so I just took my phone (which is slim enough not not notice it stuffed into the side of my bra and a credit card. The car park I was planning to park in, you can pay by credit card with a contactless tap and I have done so before. unfortunately that carpark was full and I parked in a less familiar one but I looked at the payment machines and I thought I saw the contactless logo so went off to the event happily.
when I got back to the car park at midnight I found I had been mistaken. what I thought was a logo for contactless card payment was actually for the users of some kind of season-ticket scheme. The machine didn't accept credit cards.
unfortunately as I only ever use that card for small contactless purchases, I had no idea of the PIN.
I was genuinely stuck
I tried to psych myself up to asking strangers to borrow a fiver so I could get my car back, and obviously would have paid them back.
however, the sheer embarrassment of doing such a thing, combined with the knowledge of how many scams operate in this way, meant I couldn't even try.
I got a taxi home, got cash from DH, got the taxi back into town and got my car back. cost of £20 lost due to my idiocy.
having been in this kind of situation myself I think I am even more convinced than ever that it's pretty much always a scam.