While at that time even on 1:1 rate 0.04 btc were about 24.68 USD. Now when I would sell them for skrill I thought I would get less than 1:1 rate as that is how it works and the message of Tittiez made me wonder. Unfortunately I forgot to write here about it, but now that I saw this topic I can confirm that account is compromised 100%. Sorry for your loss.
Not always but when you sell them on exchanges.
Edit: Next time OP since you had all your savings in bitcoin, use well known websites like coinimal.com to do all your selling and buying of bitcoins. You will lose some from the conversion as rates will be lower in exchanges but you will be sure that you get what you paid for.