All very friendly - except for the fact that Victoria hasn't a clue what they are talking about.
For, as it would subsequently transpire, she has just had her identity stolen: 21st-century style. Forget rummaging through bins, intercepting post or cloning credit cards. All the modern-day crook needs is a computer and an internet connection.
The rest could hardly be easier. Thanks to the ever-growing popularity of so-called social networking sites such as MySpace, Bebo and Facebook, the internet is simply awash with the personal details of millions of potential fraud victims.
When Victoria joined Facebook she - doubtless like the 10,000 Britons who sign up to the site every single day - assumed she was signing up to become part of a fun community where she could meet old friends and make new ones from the comfort of her home.
To aid the process she filled in her online profile with as much detail as possible - adding her e-mail address, home address, phone numbers and even her date of birth.
"The ironic thing is that in the real world I am really careful with sensitive personal information," she says. "I shred anything that might be of use to anyone; all my correspondence, my old bank statements, bills and documents.
"But for some reason when I signed up to Facebook it felt as if I was joining something self-contained, something that would be used by like-minded people. Only now do I realise how wrong I was.
"The truth is that you don't know who anyone is on the internet and you don't know what their motives are for using it. I know it sounds stupid, but I feel very violated to know that a criminal was able to log on to my page and steal my personal details."
In a way Victoria was lucky. With a few phone calls she managed to persuade the phone company that a fraudster, assuming her identity, had set up the contract.
Had she failed to notice the deception, no doubt her identity would have been exploited over and over again.
