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MSN Chat was the Microsoft Network version of IRCX (Internet Relay Chat extensions by Microsoft), which replaced Microsoft Chat, a set of Exchange-based IRCX servers first available in the Microsoft Comic Chat client, although Comic Chat was not required to connect.The Microsoft Network Chat Control was developed as an Active X Component Object Model (COM) Object.

The malicious software used to effect this sort of crime has evolved rapidly, from crude viruses that used to be easy to spot, to ‘stealth’ programmes that can sit on a PC, monitoring keystrokes and even intercepting communications with a person’s bank.

This taps into one of our most primal fears; missing out. In January of 2014, they introduced the Discover feature, which allows companies like Mc Donald’s to present professionally created content from content creators such as CNN, Comedy Central and many more.

They also have recently rolled out a feature called Live, which allows various users in a given city or at a given event to crowdsource their snaps.

Emails can yield everything from passport scans to addresses – it’s a tool kit for identity fraud.

These account details might be used straight away or sold on, to be used at a later date with your money siphoned off and transferred through the accounts of criminals known as ‘money mules’, who are paid to move money from place to place.

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