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Information on email fraud

Updated on May 7, 2011

Author: W. K. Hayes

Information on email fraud

The Nigerian 4-1-9 scam:

Some of us are well aware of what this is and yet, many others are not. ‘419’, is the Nigerian penal code for fraud artists although, most of the swindles received as letters and emails, originate from, Nigeria.

One of the reasons for this is the fact that these swindles are ran like a business. People go to work at a scheduled time, work their eight hours a day and clock out. The entire operation is worth billions in revenue from those hoping to get rich quick.

One of the classic favorites is the email, asking a person to represent themselves as next of kin, usually to an actual person that recently died in the news. This part of the gimmick is to give some credence to their story. Generally, they introduce themselves as being a banker, attorney or a governing member of ECOWAS (Economic Coalition Of West African States). The amount of money in question usually ranges from 2.5 million to 85 million, for which, you will get anywhere from 5-20% if you help. The help they require is for you to allow their money, to be, transferred into your banking account.

It is a violation of Federal Law, in the United States, to transfer huge sums of money in this manner. No amount of paperwork on their end covers this. You could find yourself arrested, by the authorities, for attempting to bring money illegally into this, country just for trying.

There are many more sites, which go to great length in explaining the many facets of this matter: How the, ‘scam’, works, and other’s experiences. If you receive an email asking for your help in such a manner, delete it. Do not reply!

Ultimately, not only are they after you money, they are also after your information and simply replying is enough to get them started on stealing your identity. Delete their emails and leave them alone.

The Lottery Scam:

Another way they try to steal your information is with the, ‘Lottery scam’. These usually originate in Holland, England and other parts of Europe. You will receive a letter saying that you one a lottery and that your name was drawn at random through an unidentified, online third party.

It would so nice if only it was true but it is not. With this trick and the one above, you will soon find yourself having to pay a transfer fee after, you have provided the bank with all of your information. generally, this will cost you dearly.

The money-handler fraud:

The last trick known of is the, ‘money-handler trick’. The Scammer will pretend they own an overseas business with connections in America. Generally, they are art dealers. They ask you to please, receive payments for them and in return, you can keep a small percentage of the payments.

Unfortunately, banks will pre-clear a check before it has actually cleared but the time a check takes to actually clear is generally two weeks. Be warned of this fact even when taking check from company’s you know is good.

If you receive a check in the mail without any formal paperwork describing the intent of the check, you will soon find yourself in trouble with the bank and the law.

Also, any check over the amount of ten thousand dollars automatically alerts the Federal Bureau of Investigation, (F. B. I.), however, if you do receive a suspicious check, turn it into the local authorities, immediately. Explain the circumstances surrounding your receipt of the check and let them handle it, from there.

Thank you for reading this article, stay safe and Have a great day!

The latest scam letter.

Hello Sir/Madam,
I hope that this e-mail has reached you in the right frame of Mind.I am
Mrs. Elizabeth Hassan, I am suffering from a cancerous ailment. When my
late husband was alive he deposited the sum of £4.6 Million Great Britain
Pounds Sterling which were derived from his vast estates and investment in
capital market with his bank here in UK.

I have decided to donate this fund to you and want you to use this gift
which comes from my husbands effort to fund the up keep of
widows,widowers, orphans,destitute, the down- trodden, physically
challenged children, barren-women and personswho prove to be genuinely
handicapped financially.

Please contact me on this email,(XXXXXXXXXXXXX ) for
further information.


Sincerely,
Mrs. E. Hassan.

(Really sad...) What ever happened to the good ole days of working for a living? Note how this person implies that they are from england but gives an email address from Hong Kong.

Comments

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    • W. K. Hayes profile imageAUTHOR

      Warren Keith Hayes 

      7 years ago from Bryson City, North Carolina

      Definitely my pleasure, Rhonda. Awareness is key to stopping this kind of abuse.

    • Rhonda Waits profile image

      Rhonda Musch 

      7 years ago from The Emerald Coast

      I understand very well, what these scammers do. They rely on our hopes and dreams. That we have hit the lottery. When we have not. Scammers are everywhere, beware of them. They make there life's mission to destroy others. Don't be a victim.

      I am going too make it my mission, too destroy them. Thanks for sharing your hub.

    • W. K. Hayes profile imageAUTHOR

      Warren Keith Hayes 

      7 years ago from Bryson City, North Carolina

      Thank you Katrinasui...These people are very talented at what they do, unfortunately. Still, I loathe anyone who preys upon the hopes of others. Be safe and thanks for stopping in.

    • katrinasui profile image

      katrinasui 

      7 years ago

      Good writeup on a very good topic. I learned a lot from your hub.

    • Nellieanna profile image

      Nellieanna Hay 

      7 years ago from TEXAS

      My pleasure though it's difficult to warn really nice people about people who aren't, though. They just can't conceive of the truth of it.

    • W. K. Hayes profile imageAUTHOR

      Warren Keith Hayes 

      7 years ago from Bryson City, North Carolina

      Thank you Nellieanna, Indeed there are alot of scammers that take advantage of retired people and it is a crying shame. Your reply will prove helpful to others, I'm sure. thank you again.

    • Nellieanna profile image

      Nellieanna Hay 

      7 years ago from TEXAS

      Having been online since late 1996, I've become such a skeptic of any grand sounding schemes. I tend to err on the side of ignoring email from unknown sources so that I am more apt to ignore a legitimate email than to bite into a hoax. I have friends even older than I who have never ventured into computers, and quite honestly, I'd be afraid for them to do so. They are too easily wooed even by junk snail mail! It's a shame - but older folks are often targeted for scams. It often involves their having substantial savings along with a tendency to think others are decent and more trustworthy than is more and more often the case.

      Thanks for calling attention to this wild scam. I've received those letters and they are quickly junked. It's a shame there are "businesses" which prey upon innocent folks. But alas - there are.

    • W. K. Hayes profile imageAUTHOR

      Warren Keith Hayes 

      7 years ago from Bryson City, North Carolina

      Thank you VocalCoach...The internet is a wonderful thing but also a very dangerous one. Stay safe and thanks for the heads up on scammers using Craig's list to target people.

    • vocalcoach profile image

      Audrey Hunt 

      7 years ago from Idyllwild Ca.

      Good article. Informative and well written. Every time I post on Craigs list for music students, I get these scam emails. Thanks

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