Beware of the cheque scams

Discussion in 'General Scam formats' started by De Master Yoda, Feb 10, 2007.

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  1. De Master Yoda

    De Master Yoda Administrator Staff Member

    Cheque Scams.

    This is one type of scam that can so easily turn into a nightmare for a victim. An increasing number of these scams are now being done in conjunction with "romance" scams and are leaving a lot of people hurting, both emotionally and financially.

    To help explain what can happen here is a typical scenario. Sometimes a scammer spends quite a few weeks or months preparing his victim for the hard sell. By using words and little gifts (usually payed for by stolen credit cards) to woo the person into believing that they have found "Mr Right" or "Miss Right"
    The scammers have a lot of experience and help from their supervisors and know just the right words to say to be believed. When the time is right, they ask the person to cash a cheque for them, citing various reasons why they cannot do it themselves. The scammer sends a cheque for an amount of say, $7,000 and asks the victim to cash it and send a portion of it back to them by Western Union or Moneygram! The cheque is either stolen or forged.

    There is currently in Houston, Texas (USA) and Toronto Canada, a very professional group of crooks who produce some very good quality documents and cheques, that would (and do) fool the average bank teller.
    The person who has received the bad cheque then puts it into their own bank account and then withdraws the amount asked for and sends it to the scammer. All seems to be well until they get a call from the bank and usually the police asking for an explanation as to why they are trying to pass a bad cheque.

    This is when the problems start. The banks take a very dim view of anyone trying to pass a bad cheque, if it is either forged or stolen. And of course to protect itself the bank usually informs the police. The victim of the scam is now in a very bad situation, as they have (unwittingly) tried to defraud the bank. There have been quite a few cases where the victim has been arrested and charged with an offence!

    Now the person who has just been scammed is distraught, by not only finding out that their "special friend" is not only a crook and has just been using them as a means to get money from them, but they are now in a very weak position of having to try and prove their innocence when technically they have committed an offence.
    Sadly there is another shock in store for them, as they will now be informed by the bank, that they will have to repay any money back to the bank, that was withdrawn against the bad cheque! The bank has cashed the cheque but the account owner has the responsibility to repay any money found to be short.

    Please take this as a warning! If you receive a cheque from any one who is asking you to cash and send money back to them, do NOT cash the cheque! in some parts of the world it is an offence to even have in your possession a fraudulent instrument like this.
    The safest way is to either destroy it, or take it, with any copies of any e-mails to your local police. Do not even think of trying to cash it. Even if it looks good and you need the money, you will need a lot more money to try and fix the problems that will come your way, if you deposit it in your bank.
    As always if in doubt you can ask us and we may be able to point you in the right direction to get assistance.
  2. The Doctor

    The Doctor Administrator Staff Member

    Rental scams

    Another form of the cheque scam that has become current recently is the rental scam. Many people who have rooms or flats to let will advertise them on various websites. Scammers surf these sites just like regular people. But they are not looking for a place, they are looking for a victim.

    The scammer will contact the landlord and come up with some story about their child (often from Africa), who will be attending university or boarding school in country (x). The parent wants to pay for several months rent in advance. Now, as an example, let's say the landlord charges £100 a month for rent. The scammer will want to pay for 5 months rent. But the scammer wants to pay with a "money order" for about £5,000. They want the landlord to deduct the rent and any other expenses (very generous of them) and then send the balance back to the "parent" by.....yes, Western Union or Moneygram. The only problem of course is that the money order is completely fake and the landlord is going to be stuck with it, and a loss of cash, not to mention a possible police inquiry.

    If someone offers to overpay you, especially in such large amounts, you can almost bet you are dealing with a scammer. A real person would send you a money order for maybe £600 (in the above example). And why can't they ever get money orders for the right amount? Simple: they are scammers.

    If you find yourself in this situation, you shuld just drop the person as fast as you can. Just say you aren't interested. Otherwise you face some hard times ahead. As always, if you aren't sure, ask us. We're glad to help.
  3. Shadowplay

    Shadowplay Ninja

    Check scammers are getting wiser. The better ones no longer use a mass mailing, but target those who offer services on the internet. They will raid websites of professional organizations who offer lessons or tutoring from everything from karate to basketweaving. They will collect the email addresses of those who offer lessons there, and send a scam letter requesting lessons for themselves or their family for a period of time that they will be visiting "their city." When they get a response and a quote, they order the checks from the paperman, and keep in close contact to see when the checks arrive. Of course, on arrival, there is always some emergency that comes up that requires an immediate refund via Western Union. This works well for them, since the average piano teachers will do all they can to help the poor scammer in his time of need.

    This is a good way for them to bypass all the baiters that come with mass mailings with the usual Chinese company check scam letters. Watch out for these. The best defense against scammers is to educate the public before the scammers get there.
  4. Shadowplay

    Shadowplay Ninja

    Another scam that is becoming more common is scammers convincing victims to do the dirty work, and print and mail the checks for them. With the right material, software, and hardware, fake checks are not hard to make. They may not be the best fakes in town, but the scammer has nothing to lose by trying. Only the victim is left to answer for this.

    These scams might require a romantic sob story, or a get rich quick scam, but it is being tried. Watch out for these.
    Last edited: Jul 21, 2007
  5. black eagle

    black eagle New Member

    money scam

    hello dears

    i case if a person have been scamed how he can take hs money back from the scamer , and which the best to keep this emails to come to him :(
  6. De Master Yoda

    De Master Yoda Administrator Staff Member

    Welcome to black eagle.

    η υποδοχή, η πιθανότητα οποιαδήποτε χρήματα δεν είναι πίσω καλή! μπορείτε να το εκθέσετε στην αστυνομία αλλά ως scammers χρησιμοποιήστε τα ψεύτικες ονόματα και τις λεπτομέρειες που είναι δύσκολο να βριαλθούν! θλιβερός για τον Έλληνα αλλά χρησιμοποιώ έναν σε απευθείας σύνδεση μεταφραστή σας ευχαριστώ.

    Welcome good to meet you, It can be very hard to get any money back from a scammer. you can report the crime to your local police but it is hard for them to do anything as the scammers use false names and details.
    If they have your bank account details then please close that account, to stop them trying to get your money.

    Εάν τους έχετε δώσει τις λεπτομέρειες τραπεζικού λογαριασμού σας έπειτα παρακαλώ αλλάξτε τον απολογισμό για να τους εμποδίσετε της λήψης των χρημάτων από τον απολογισμό σας! Εάν σταματήσετε όλη την επαφή με τους θα σταματήσουν και θα πάνε μακριά
  7. spaminator

    spaminator New Member

    Michael Michael Michael

    I too received the same email. And I too looked up the company information. I even called the company,and they informed me of the scam. I then looked up the person on the internet, of whom I was to send this so called funds to,and they dont match. The person lives where they say they do, but not the same address. So I am going to wait for the "package" and then take it along with all the emails to the Postmaster General in my local town.
  8. Ivana

    Ivana Member

    If you are so inclined, you can take the check with the envelope back to the postal office, western union or ups. They are all very interested in being used as a tool for scams.

    A lot of the time a western union or ups delivery is from a stolen account and they need to be warned so the innocent person isn't stuck with a large bill.

    Fraud through the postal office is a federal offense, and they are interested in more of the details than the local police.

    If you don't want to go through the hassle, make sure you DESTROY the check. Just being in possession of the check is against the law.

    Banks they are written from and the reputed business it is written against are also interested in the details.
  9. KRQueen

    KRQueen New Member

    What to do with fraudulent checks

    I've noticed a few emails about getting fraudulent checks and what to do about them. My suggestion would be to do the following which is what I did when my step-son received one...

    You can contact the FBI in Washington via:

    This is the Internet Crime Complaint Center at the Federal Bureau of Investigation also accessed via:

    Capture the routing of the emails sent to you and cut and paste the information as well as the emails when you fill out the IC3 complaint form.

    If you receive a check in the mail with instructions to cash it and send money to someone else then notify your local sheriff about the check, make a photo copy of it as they will probably take the check as evidence, keep a photo copy of the check and any envelope you received via Fed-Ex or UPS. If you received the envelope through the US Postal Service then notify your local post master and turn then envelope and one extra copy of any documents from the scammer over to the postmaster. Make sure you document your evidence trail, copy everything and list who you gave the originals to as well as copies of any police reports filed.
  10. udntknwme

    udntknwme New Member

    Nigerian con artist rings are nothing if not creative. With all the attention that has been brought to bear on the standard Nigerian Scam Letter Fraud, the fraud rings have been under pressure to develop new concepts - and they are very, very good at it.

    Sometime in 2002 the Counterfeit Check Fraud game was developed. It has been highly successful and in short order has proliferated around the globe via the Internet, the Nigerian fraudsters favorite weapon. This fraud has now reached epidemic proportions.

    The year 2003 saw at least 2 new Nigerian scams hit the Internet. One of the new ones, the Check Processing Business Fraud, is outlined below.

    The most important factor of these new scams is that they rely entirely on the honesty of the victim.

    This is a new twist inasmuch as involvement in a Nigerian Letter Scam means the victim has to agree to break any number of international laws, especially bank laws. In other words, it targets the victim's need or greed for large sums of money.

    The new rash of scams is just the opposite. They arrive in the guise of a normal, day-to-day business transactions. They rely on the ignorance of good business practices on the part of the victim. They are 100% based on the fact that most people will conduct business with a total stranger thousands of miles away in the same manner as they would their neighbor in a small town.

    These new scams also rely on an expectation that has been ingrained into our learning curve for generations: your bank will take care of you. The huge misconception of the bank's role in safeguarding the community is the cornerstone of this new rash of frauds.

    Extortion: Fake US Federal Enforcement, Internal Revenue Service, US Treasury, and Jury Notice Letters Used to Threaten and Bully US Citizens into Sending Money

    Beware of any emails you receive allegedly from the US Treasury Department, IRS, FBI, Secret Service, US Customs, INS, or any other US Government organization.

    These letters have only three purposes: (1) To extort money from you, (2) to lure you into a money laundering scheme; and (3) to steal your identity. Frequently, the Identity Theft part of the scam is more lucrative for the scammer than any other motive.
  11. Spanish Administrator

    Spanish Administrator THE Spanish Administrator Staff Member

    Particularly useful if you are in the US. From the Attorney General of one of the old colonies.

    Fake Check Scams
    There are many variations of the fake check scam. It could start with someone offering to pay you for a service, or purchase an item you’ve advertised for sale. Other offers promise an “advance†on a sweepstakes you’ve supposedly won, or pay the first installment on the millions that you’ll receive for agreeing to have money in a foreign country transferred to your bank account for safekeeping. Scammers may claim to live far away or even in a foreign country, making it difficult to send you money directly.

    In nearly all instances of fake check scams, the scammer will ask you to send money back to them in some way, shape or form. They will send you a check for goods or services for more than the requested amount, and will tell you to go forward and deposit their check and wire them the additional money. In other scams, they will tell you to wire money for taxes, processing, legal fees, shipping, or any number of “other†expenses that you must pay before receiving your money or reward.

    The checks that scammers send you, whether they are personal checks or cashier’s checks, look and feel real – and may even fool bank tellers. The checks may even be from a legitimate business or corporation, but may have been written fraudulently.

    Be Aware Of…
    Fraudulent checks will clear quickly. Under federal law (Expedited Funds Availability Act), banks have to make the funds you deposit available quickly – usually within one to five days, depending on the type of check. Although the money is available for you to withdraw from, the bank may discover a forgery a few weeks down the road and the check may bounce.

    Your deposits are your responsibility. If you have deposited a check that then bounces, the bank will withdraw the original dollar amount credited to your account. If your account doesn’t have enough money to cover the deduction, the bank may sue you to recover the funds.

    There is no legitimate reason for someone who is giving you money to ask you to wire money back. Always insist that the check be in the exact amount, or deal in cash. Emphasize that you prefer a check from a local bank or a national bank with a branch in your area.

    Additional Resources
    The National Consumers League recently launched an educational website, The site was created in collaboration with the Alliance for Consumer Fraud Awareness, a coalition of consumer and business organizations, government agencies, and companies that are committed to fighting fake check scams. It provides a number of entertaining educational materials to teach consumers about fake check scams.

    If you feel that you have been a victim of a fake check scam, or if you would like more information, please contact our Consumer Hotline at (617) 727-8400, or file a consumer complaint with our office.
  12. ScamVictimsUnited

    ScamVictimsUnited New Member

    There are videos on this site showing the personal stories of some victims. I was actually there the day that some of these video segments were being taped.
    Lucy Farmer likes this.
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