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My wife had a similar encounter a few weeks back. Her truck was almost out of gas and she went to fill it up in the evening, so shat she wouldn't have to rush in the morning on the way to work.

She had started pumping gas when she noticed a man loitering around, and started thinking about what she would do if he approached her. She was still thinking about what to do when the man approached, saying :"Excuse me mam..."

Since she had been so desperately thinking about what to do, she never did get to point of deciding on a plan, so when the man spoke she just yelled out "LEAVE ME ALONE!"

That did the trick. The man took several steps back, holding his hand up in front of his face, saying "OK, OK..." and then he quickly disappeared.