if something either seems too good to be true it usually is, if someone, like this person is playing on your honesty and duping you into thinking you have done something wrong in order for you to part with your money and on top of that they are a good talker, then you have been scammed.
Never part with money to someone over the phone who you have never met and do not know - whatever hard luck story they give you or, they might tell you that you have just won something or, you might be on the internet which is a place a lot of people get conned, a prime place is on a dating site where they prey on women's emotions and ask them to give them money that they so desperately need and give such a hard luck story it would make you weep and who appear so genuine that it almost makes you feel guilty for not helping them in their hour of need.
Steer well clear, they will try just about anything! keep a tight hold of your good nature for that is what they bank on.
Con men are extremely believable, this is what makes them good at it, beware of anybody being too friendly when they really don't know you from Adam - they reel you in with their glib talk and can knock you off balance if you're not careful.
NEVER reveal any details of yourself or your bank details, never give anyone you don't know your address. NEVER think 'it won't happen to me'. In fact the minute you realise you don't know the person and they want to talk, disengage from any conversation and just hang up, if they call again and you feel uneasy, just hang up again, a third time? call the police. Another thing you can do if you don't have it is get caller ID so you have their number.