No problem, thanks for playing. About your Phone+ point, I'm not sure if it was really clear, but in the message it states that there has "been a charge from an account number with the pin of XXXX". I meant for this to kind of imply that the scammer was taking their money and charging it to his account, but I can see how it is unclear.
But yeah, your other points are also totally valid, and I would probably change in retrospect.