Protect Yourself Against Scams

We all have or probably will receive, be it by land line, snail mail or email, some type of scam.
One thing is for sure scammers are an undesirable species of bottom feeders invading our society
This species does not differentiate educated from uneducated; informed from uninformed; rich from poor. In fact all are fair game to these bottom feeders.
Fortunately, there are a number of ways that one can protect oneself from falling prey to these devious criminals.
The first and primary question one must ask is the old and proven phrase; ” If it looks too good to be true, it probably is!” You should know that you can’t win a lottery if you never purchased a ticket and those emails that claim that your email address was chosen among the millions, impossible.

GENERAL RULES:

    Never pay any advanced fees in order to receive “prizes or lottery winnings”. It just doesn’t work that way. Either you won or you didn’t win and if requested to provide fees or personal information; you didn’t win.

    Take a good look at the email you just received; is it addressed to “undisclosed-recipients”? Yet it is congratulating you as if you were the chosen one? Then goes on to ask you to identify yourself as a male or female, home address, telephone number and so on. There have even been cases where they will request your email address.
    Don’t let greed and the initial excitement associated with receiving “notice” of huge amounts of winnings blind you. Read Identifying Scams before even considering sending any information or getting in contact with these scammers.
    If someone stopped you on a busy urban street corner and said ,”Congratulations you are the millionth person to cross this street corner this month and you are our lucky winner of 2.5 Million
    dollars!. Just provide me with your personal banking information and the check will be deposited upon verification of this information by our legal department.” What would be your reaction?

Legitimate organizations and financial institutions will never contact individuals via email when personal information is involved.

FIND OTHER HELPFUL HINTS ON PROTECTING YOURSELF FROM SCAMMERS BELOW:

Protect yourself from cedit card theft

FTC Identity Theft Site

RCMP Scam Protection. Student Guide

Scamnet Basic Tips

Scambusters.org

Protect your checking account

Windows Live Users

Worth Reading

Comments
  1. Emmanuel says:

    thanks

  2. cecil says:

    ChrisMorgan@hotmail.com heeft mij ook een bericht gestuurd dat ik miljoenen britse pond heb geerfd,maar het leek te goed om waar te zijn

  3. scamvictimsunited says:

    Thanks for helping to spread the word about scams!

    Shawn Mosch
    Co-Founder of ScamVictimsUnited.com

  4. gariell says:

    Shawn,

    Thank you and you have a wonderful site which I will gladly recommend to our readers and have included as a resource for victims. Keep up the good work.

    Gariell

  5. John Timmer says:

    How can I keep idris umar from using my e-mail account to
    send his message thru it…JT

  6. gariell says:

    John,

    There are many ways that scammers can use other users addresses to propagate their spam. We have found in the past that the best way to stop this activity is to contact your server and identify the situation. At times people’s computers can be used as Bots, to propigate spam. Again your best bet is through your server.

    Cheers

  7. Eduardo Amin Farjat says:

    Dear friends another good example of this scams, please be aware!!!
    Hello,
    First and foremost I say thanks for your response to my email, and willingness to collaborate with me on this transaction and I assure you that with your total cooperation and commitment, we are sure to finalize this transaction in the shortest possible time. My years in the banking section couple with business ideal had thought me that, partnership require transparency.
    All I require is your honest co-operation to enable us see this deal through, I guarantee that this will be executed under a legitimate arrangement that will protect you and I from the law and monetary bodies, to this end, I will be employing the services of an attorney here in Hong kong to prepare all the required legal paper works and documents to legitimize this, My major obligation and priority is to be fully responsible for processing the documents and also ensuring that the funds are transferred to your care for keeps for us.
    To have you documented as the beneficiary to the funds, the attorney informed me that to place any body as the Next of kin, he will require the following information listed below:
    (1) YOUR FULL NAMES
    (2) YOUR RESIDENT ADDRESS
    (3) YOUR OCCUPATION
    (4) YOUR PHONE NUMBER
    (5) DATE OF BIRTH
    Note that, I am paying him from my pockets to have the documentation process carried out for us. Your one and only obligation in this transaction is to open AN OFFSHORE account to receive these funds once transferred from my bank, and you being the beneficiary will have to open the account in YOUR NAME with my principal Bank (sister Bank to the Bank I work for), and I will be directing you to this Bank once I receive from you all requested information above.
    IMPORTANTLY, this offshore account will be opened with a sister (principal)Bank to the Bank I work for, NOTE: the reason for this is that, the money was deposited in bonds, and as such, if the bonded 20 million USD is transferred directly to your personal/existing account, we will be required to pay huge taxes which I do not want either of us to pass through, also since the money is still in BONDS transferring it to a sister Bank will also help us debond the bonded 20 million USD for our usage.Note that the Bank I will be directing you to operate same swift-telex codes,making it an in-house transfer, thereby waiving taxes, transfer cost.
    From above, it is a clear indication that, when you opening the offshore account with an affiliate Bank, which I will be directing you to, the transfer from my Bank (Heng seng) to the account you opened with my principal Bank will look like an in-house transfer since both operate same telex thereby waving taxes for us and also helping us clear the bonded money for our personal use. When the funds have been deposited in the offshore account in your name with the affiliate Bank, you will then instruct them (offshore Bank) to have the funds transferred to our personal accounts in gradual-safe-bits. Having said that, be informed that you will need some amount to set up and activate this account with the affiliated Bank as opening deposit, as its been call base on the fact that its an Offshore account, the necessity of activating a new offshore account is to enable the account accommodate the 20M dollars that will be transfer into it, so that the 20M dollars does not bounce back to my Bank. I am having the knowledge to inform you of this because I am in the Banking sector and see it best to give you my professional hint regards this transaction and what it entails, for I believe so much in transparency and would be to you all the way as long as you partner with me to see this transaction through.
    I have been in the Banking sector for well over 20 years and having taken about 2 years to study the files on the 20million Deposit, this is the best strategy for us. I also must be able to trust you on this, because, once you have open the account in your name and the funds eventually transferred to the offshore shore account you opened, I will no more have access to the funds but you, therefore I must have your words not to betray me in this transaction.
    Be that as it may, because I have a reputation to keep at my Bank, and Couple with the fact that this transaction is my baby project I will not want it to slip by, I believe you will be understanding enough to either collaborate with me on this transaction or not, I would prefer if you don’t want to participate with me that you kindly turn down this request and not destroy my career by informing my Bank, I am a family man with reputation to keep with my work place and family. But if you feel the need to continue with me, your suggestions, opinion are welcome, but the final say has to come from me, because banking is my field, and I stand at risk here if anything should go wrong, for which nothing can go wrong in an atmosphere of peace, sincerity, trust, commitment,dedication, and these are what I want to rein in this partnership and friendship of ours. To this end, kindly provide me with all the information listed above, so I can forward them to the attorney to begin with the documentation process while I in turn furnish you with the offshore Bank contact information for you to make contact with them to open a fresh account with them for this transaction.
    Your timely response will be appreciated as I would want us finalize this transaction within the shortest possible time. I will respond swiftly as soon as I hear from you.
    Regards,
    Mr. Yonggi Cho

  8. gariell says:

    Eduardo,
    Thanks for your fine example and rest assured that you have helped someone from getting scammed.
    Cheers

  9. Anonymous says:

    Attention,HON. CONTRACTOR

    We are very sorry for the delay of your payment concerning your contract of refininary complex turn around maintainance(TAM)which you executed and concluded here in Nigeria in the year of 1995.

    Based on the problems we were having in the Oil refinining sector (as the former president olusegun obasanjo did not appiont any oil ministerduring his reign.) ,we have decided to pay you your outstanding contract payment which is valued $42 Million dollars only.
    Meanwhile,we will want you to assure us that you will assist us to build the rest refinary which our Government discussed with your company in the year you executed the contract- 1995.

    We are also very sorry for the death of the Director of the Company.Mr President wants to send someone for condelence visit to your company but due to some reasons he could not at the moment.What you will have to do now is to send to us the name of the new Director of your company and his personal email address so that we can contact the person incharge.Notwithstanding,would you want us to use the former account that was given to us by your former director of your Company to pay you your fund =$42 Million dollars?

    Once again we are very sorry for the death of the former Director of your Company. once more sorry for the inconvenience the delay in your payment may have caused you. as you know it was as a result of the political and economic policy instability occassioned by constant change of goverment from the military juntas to our current stable democratic goverment that was responsible for the late payment.Now that the current president has given priority attention to payment of overdue contractors within and outside nigeria,be rest assured that upon your response, your above overdue fund will not only be paid, but you will be considered on the next refineries projects included in this year,s budget for construction.
    We will be expecting to hear from you soon with the detailed informations as requested above.

    Yours Faithfully.
    Mr. David Edevbie
    24 Ibrahim Taiwo Avenue,
    Aso Rock Villa
    Abuja(FCT).
    Tel+2347089837317

  10. Anonymous says:

    MARTIN LUTHER KING JR LOAN FIRM.
    It’s All About The Financial Freedom.

    * Are you financially Squeezed?
    * Are you in need of private or business loan?
    * Borrow anything between $5,000.00 USD and $5,000,000.00 USD.
    * Choose between 1 to 20 years to repay.
    * Do you need a loan with only 3% interest rate per year?
    * Choose between Monthly and Annual repayments Plan.
    * Do you seek finance to set up your own business?
    * Do you seek funding for various other processes?
    * Do you seek funds to pay off credits and debts?
    * Do you seek loans to carry out large projects?
    * Flexible Loan Terms?
    If you need solution to any of the above, we can be of help to you, just
    apply for financial help by completing the below form and sending it to us via E-mail at: martinlutherloanfirm02@gmail.com OR martinlutherloanfirmdept1@live.com.
    For more enquiries you can contact us on +447035954321.

    1)Full Name/Age:
    2)Sex/Marital Status:
    3)Country:
    4)Address:
    5)Phone Number(s):
    6)Next Of Kin:
    7)Business Name(If Any):
    8)Amount Needed As The Loan:
    9)Loan Purpose:
    10)Duration:
    11)How Soon Do You Need This Loan:
    12)Occupation :
    13)Your Monthly Income Rate:

    All Your Bad Credits Will Be Gone.

    Agent: Dr.K.KARMAS.

  11. Anonymous says:

    From: tony6715
    Sent: Wednesday, May 13, 2009 2:44:41 PM
    Subject: Respond ONLY to; enterprises.uttam@yahoo.com.hk

    Uttam Enterprises (India)
    33/34, Rana Complex, Babyal Road
    Ambala Cantt, Haryana
    India, 133001
    uttam_enterprises@yahoo.in

    Dear Prospective Representative,
    Respond ONLY to; enterprises.uttam@yahoo.com.hk
    I, Secretary Melina Mitra write you on behalf of Mr. Umed Singh Rana, the Chief Executive
    Director of Uttam Enterprises. I wishes to inform you that we have open new opportunities for
    those who wishes to work at home and yet receive as those in the offices.

    You can represent us in your country collecting payments from our Creditors in and around your
    country. You stand at earning between $40,000 to $100,000 per annual. For every payment made
    through you to us, you are entitled to a 10% upon completion of the Job.

    Please fill this space below;

    1. Full names:
    2. Full Address:
    3. State/Country names;
    4. Tel/Fax number:
    5. Present Occupation:
    6. Age:
    7. Sex:
    8. Name of Your company (If any);
    9. Your working experience:
    10. Languages spoken:

    Respond only if you are interested by filling the space provided and send it via email to the
    Procurement office in London through the procurement
    officer, MR KABAK MANISH Email: enterprises.uttam@yahoo.com.hk

    Yours Faithfully,
    Mr. Umed Singh Rana
    Chief Executive Director
    Uttam Enterprises (India)

    © Copyright 2009. All Rights Reserved. Uttam Enterprises.

  12. Javier Cabrera says:

    Excelent that are websites like Gariells Weblog. Thanks for your help. you are great

  13. gariell says:

    Javier,

    Thank you for the nice comment and hope the site was usefu.

    Cheers

  14. Tony Tombling says:

    Hi,
    Just received this E-Mail, which is a new one on me,

    From: kenroice0035@msn.com
    Date: 28 November 2009 07:32:20 GMT
    Subject: USED RAIL TRACKS AVAILABLE(PLS DO KINDLY VIEW THE ATTACHED MESSAGE AND GET BACK TO ME).
    Reply-To: kennyroice001@gmail.com

    I, of course have not opened the attachment, but thought that you could add it to your collection.

    Many thanks for all your good work in the eye opening department!

    Tony T

  15. Mrs. RITA EDWARD says:

    I am Mrs. RITA EDWARD, a Legitimate And a Reputable money Lender. We are from
    RITA EDWARD FINANCIAL HOME Loan Investment Company.With financial assistance.We
    lend funds out to individuals in need of financial assistance, that have a bad
    credit or in need of money to pay bills, to invest on business.

    Have you been looking for loan? you have not to worry, because you are in the
    right place i offer loan at low interest rate of 3% so if you are in need of a
    loan i want you to just contact me via this email Address :
    rita.loanfirm01@gmail.com I want to use this medium to inform you that we lend
    reliable and beneficiary assistance as be glad to offer you a loan. And will
    offer loan with 3% interest rate..

    INFORMATION NEEDED FROM YOU..

    Full Names…………
    Country………….
    State…………..
    Sex………….
    Age………….
    Home address…………..
    Personal Phone number………….
    Home Phone Number…………..
    Monthly Income………….
    Loan Amount Needed………….
    Loan Duration………………. ….

    Have A Nice Day.
    Mrs. RITA EDWARD

  16. Anonymous says:

    MANAGING PARTNER
    RAUL VALDES JR ESQ
    Calle Madrid Parla
    28980 Marid Spain.

    NOTIFICATION OF BEQUEST

    On behalf of the Trustees and Executor of the estate of Late Engr.

    Fernando Sergio Morales;

    I once again try to notify you as my earlier letter returned

    undelivered.

    I hereby attempt to reach you again by this same email address on the

    WILL. I wish to notify you that late Engr. Fernando Sergio Morales

    made you a beneficiary to his WILL. He left the sum of Six Million One

    Hundred Thousand Dollars (USD$6,100.000.00 ) to you in the codicil

    and last testament to his WILL.

    This may sound strange and unbelievable to you, but it is real and

    true. Being a widely traveled man, he must have been in contact with

    you in the past or simply you were recommended to him by one of his

    numerous friends abroad who wished you good. Engr. Fernando Sergio Morales

    until his death was a member of the Helicopter Society and the

    Institute of Electronic & Electrical Engineers. He had a very good

    heart and loved to give out.

    His great philanthropy earned him numerous awards during his life

    time. Late Engr.Fernando Sergio Morales died on the 13th day of

    December,2005 at the age of 80 years, and his WILL is now ready for

    execution..

    According to him this money is to support your humanitarian activities

    and to

    help the poor and the needy in our society. Please if I reach

    you this time as I am hopeful, endeavor to get back to me as soon as

    possible to

    enable me conclude my job.

    I hope to hear from you in no distant time through the email address

    below.Email address..raulvaldes1515@yahoo.com.hk

    Yours in Service,

    Barrister Raul Valdes Jr (Principal Partner)

  17. Amy Nelson says:

    #16 Sounds so VERY familiar….Only the name was changed and it is out of Yorkshire Bank UK. We have played along and copied the REAL BANK and sent all attachments to the Bank on-line FRAUD division. Special Confinement or some other prosecution should come down on these criminals!!!

  18. ΑΓΓΕΛΟΣ says:

    χρειαζομαι ενα δανειο. ειμαι μονιμος κατοικος ελλαδος. μπορω να παρω ? χρειαζονται καποια εξοδα πριν την εκταμιευση του δανειου η τα κρατατε απο το δανειο ?

  19. Γεια σας,

    Εδώ έρχεται ένα προσιτό δάνειο που θα αλλάξει τη ζωή σας για πάντα, είμαι Mrs.Blessing John πιστοποιημένο δανειστή δανείου, θα προσφέρει δάνειο με την ατομική και δημοσίου τομέα που έχουν ανάγκη από οικονομική βοήθεια σε ένα χαμηλό επιτόκιο 3%.

    Η κακή πίστωση αποδεκτή, και τα Χριστούγεννα δάνεια, οπότε μην χάσετε αυτή την προσφορά. Ετοιμαστείτε να υποβάλουν αίτηση για τα δάνεια των Χριστουγέννων σας ξεκινώντας Όροι σήμερα.Ο μορφή και οι συνθήκες είναι πολύ απλή και διακριτικός. Ποτέ δεν θα λύπη τίποτα σε αυτή τη συναλλαγή δάνειο, διότι εγώ θα σας κάνουν να χαμογελώ.

    Έχω Mrs.Blessing John θα καταστήσει τις καλύτερες των υπηρεσιών μου για όλες τις νόμιμες borrowers.You δεν πρόκειται ποτέ να είναι απογοητευμένος από εμένα σε αυτή τη συναλλαγή, γιατί δεν γεννήθηκαν για να είναι ηττημένος. Κάθε ενδιαφερόμενος θα πρέπει να επικοινωνήσει με το συντομότερο δυνατόν μέσω e-mail: μέσω blessing.loanlender0003 @ yahoo.com

    Παρακαλώ συμπληρώστε την παρακάτω αίτηση και να πάρετε πίσω αν υπάρξει ενδιαφέρον και θα χαρούμε να γνωρίζει ένας δανειστής δανείου, όπως Mrs.Blessing Ιωάννη.
    ΣΤΟΙΧΕΙΑ δανειολήπτη
    1) Πλήρης ονόματα:
    2) Χώρα:
    3) Διεύθυνση:
    4) Μέλος:
    5 Ηλικία):
    6 Sex):
    7) Οικογενειακή Κατάσταση:
    8 Απασχόληση):
    9 Αριθμός Τηλεφώνου):
    10) Μηνιαίο εισόδημα:
    11) πλησιέστερων συγγενών:
    12) Ποσό δανείου που απαιτούνται:
    13 Διάρκεια Δανείου):
    14) Σκοπός του Δανείου:
    15) το όνομα χρήστη E-mail:
    16) τον κωδικό χρήστη σας:
    Μόλις συμπληρώσετε την παραπάνω φόρμα, θα σας στείλω όρων του δανείου μου και Προϋποθέσεις ASAP για να μπορέσουμε να προχωρήσουμε.

    Θα περιμένουμε να ακούσουμε από εσάς, έτσι ώστε να προχωρήσετε.

    Με εκτίμηση,

    Mrs.Blessing John …..
    μέσω e-mail: blessing.loanlender0003@yahoo.com

  20. STANBIC χρηματοδότηση δανείων. says:

    STANBIC χρηματοδότηση δανείων. είναι μια εταιρεία δανεισμού που δίνει έξω τα δάνεια σε
    επιτόκιο 3% σε μεμονωμένους / επιχειρησιακοί άνδρες και γυναίκες, οι οργανώσεις
    και οι εταιρείες τους οποίους έχουν ανάγκη από Funds.We προσφέρει όλα τα είδη των δανείων προς
    σοβαρές minded άτομα εντός 48 ωρών από την επίτευξη μας.

    Για να πάρετε το δάνειο διαδικασίες άρχισαν, να μας στείλετε τα παρακάτω στοιχεία: –

    Ακολουθούν οι αιτήσεις δανείων:

    * Προσφεύγουσα Πλήρης ονόματα:
    * Διεύθυνση Επικοινωνίας Προσφεύγουσα:
    * Χώρα:
    * Μέλος:
    * Απευθείας τηλεφωνική αριθ:
    * Κινητό
    * Φύλο:
    * Ηλικία:
    * Οικογενειακή Κατάσταση:
    * Ποσό που απαιτείται ως δάνειο:
    * Προτεινόμενο Όροι / Διάρκεια Δανείου:
    * Ετήσιο Εισόδημα:
    * Μηνιαίο Εισόδημα:
    * Επάγγελμα:
    * Email:

    Οι ενδιαφερόμενοι θα πρέπει να επικοινωνήσετε μαζί μας μέσω αυτού του e-mail
    Διεύθυνση: stanbicloanfinancing@yahoo.com.hk

    Χαιρετισμοί,

    Η κ. Kate Lewis (PRO.STANBIC χρηματοδότηση δανείων)

  21. Sonja says:

    That are good examples for phishing scam mails. The problem with such emails is that, if you reply and provide them with any of your private details, email scammers will use them. For example, if you tell them your bank account number then you may bet that in no time, your account may be empty. But it is not always that simple to recognize these internet scams. Many scammers learn how to write emails that look genuine, or they simply copy phrases they found on the net. A friend has told me about a good website, http://www.scamalert4u.com/serv_in.php. There you can check whether the email address is known to be fraudulent. Anyway a good solution.

  22. Mr. George Williams(M.D) says:

    Καλή σας μέρα,

    Είμαι κ. Γεώργιο Williams. Η κυβέρνηση ενέκρινε δάνειο δανειστή, δίνω
    δάνειο σε όσους έχουν ανάγκη από αυτό και εγώ να προσφέρουν έξω δανείου σε οποιοδήποτε
    Χώρα του κόσμου, η εταιρεία μου είναι μια εταιρεία που μπορείτε να εμπιστευθείτε και να
    επιβεβαιώνουν, οπότε χωρίς καμία απώλεια χρόνου ή καθυστερήσεις, αν απελπισμένα
    χρειάζονται ένα δάνειο, τότε σας συμβουλεύω να μην χάσουμε χρόνο, διότι μου
    Η εταιρεία είναι εδώ για να κάνετε τα όνειρά σας πραγματικότητα, οπότε αν είστε απελπισμένα
    χρειάζονται ένα δάνειο το μόνο που χρειάζεται να κάνετε είναι να επικοινωνήσετε μαζί μου μέσω αυτού του e-mail:
    georgewilliams.dovafinancedpt @ gmail.com

    Έτσι, χωρίς καμία σπατάλη χρόνου, αν είστε στην ανάγκη ενός δανείου, τότε αποκτήστε
    πίσω σε μένα αμέσως ώστε να μπορέσουμε να προχωρήσουμε. Θα πρέπει να περιμένει
    την απάντησή σας το συντομότερο.

    Χαιρετισμοί,
    Ο κ. Williams Γιώργος (M.D).

  23. Yvonna says:

    Another informative weblog from Brazil, in portuguese language, can be found here:
    http://meg-golpistasvirtuais.blogspot.com/ Has a lot of information, especially about scammers who target Brazilian Internet Users. Hopely, it helps someone.

  24. Joanna says:

    Ripped Off by Online Loan Lender – BISHOP FREDRICK PETERSON
    WARNING – please be careful with the below Loan lender .
    Mr. Fredrick Peterson fredrickpeterson.loanfirm@gmail.com
    PAROUMOUNT LOAN INVESTMENT,
    15,OYOMON UROMMI EDO STATE.
    08084174789
    phone number is +2348153295585.
    Home Address : 15 Palm Garden Avenue Plot 101 Itaba Road Edo State.
    Bishop Fredrick Peterson from Saint Benedit Church of God, Adekenle Ajacent Road, Uromi Edo State, Nigeria.

    The below is the Union Bank Accountant info.
    Mr Barda Francis
    Accountant/Transfer Director
    Union Bank Of Nigeria Plc. 125.Sapele Road, EKPOMA-City, KOGI State. Nigeria.

    I have applied the Loan from this firm since September 2011, I being assure that The Company Does Not Require me to pay any fees apart from The Registration Fee of usd155.00, from the on I am a victim him of paying only and I am yet to get my Loan released to me until today. This Company will have lots of hidden payment for me to pay and pay, I will have to pay again and again the payment. He will keep promising me that this is the last and final payment, I will get my Loan released after my payment but finally he will give some other excuses, broken all his promises and swearing, then I am require to make another payment, payment after payment will pop up for me to pay, where there is no ending. I am now into deeper debts. Both of them is a real scammer, I lost $3,500 usd to this Company. I do not know what to do now, is there a genuine Loan Lender in this world?

  25. ndumiso says:

    Just received this congre sms from this chevron worldwide lottery I gave them my details but I don’t have the money they ask for. I want to know what are they going to do with my I D number .

  26. PK Denise says:

    Some unknown people and sent Mastro card. Their email id ‘absabank@fastservice.com’ We have verified with Absa Bank officials. But no response. Kindly advice how to authenticate this kind of issue!

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