razielkoh Hey there welcome to scambaiting or to our forums atleast hehe.
So Skype is not preferred by most scambaiters since they have only a bunch of callerIDs that will be displayed to the scammer. I got often recognized as prank caller or scambaiter because the scammers recognized Skype numbers somehow. Either they know the numbers or have a script/tool for that or because the number doesn't show at all.
We prefer TextNow or BobRTC (https://bobrtc.tel/). TextNow also accepts manual login, I'll send you a few public accounts that we created for everyone in a private message. Otherwise BobRTC is a web service that also works on Android phones via browser that is specifically made for scambaiting and has tons of features built-in like auto-redialer if the call got hung up, call recordings, voice bots, DialParty (6 calls to the same scammer simultenously) and much more. I've made a tutorial for BobRTC on YouTube: https://www.youtube.com/watch?v=DBPmlPJnNGc
As per VPN, I think NordVPN is fine. Due to my YT channel I'm an affiliate for them (just as disclaimer) but this here is my honest opinion based on the information from both sides: the "hack" wasn't affecting user data in any form. The servers of 3rd party hosters have been compromised and some "key" was stolen that would have allowed the hacker to create a new fake VPN location server which would have integrated into the NordVPN network. Then this rogue server could have been getting the traffic of users. The hackers didn't do that or didn't know what it was and there was a 3rd party audit for the whole thing. Also 2 other VPN companies have been affected because they were on the same servers. I have NordVPN for 1 year for free due to the sponsorhip and it's superfast and I can do video streaming over it but I also need to say that if you just need it for scambaiting, it's not really needed to pay money for that.
A free alternative would be Windscribe which is free and safe and pretty trusted and commonly used by many scambaiters here.
As per the fake bank, one of our users here Evanspy https://www.scammer.info/u/Evanspy developed NorthWatch Bank (https://northwatchbank.com/) which is made for these refund scammers.
If anything you can contact me here or on Discord :)