A little humor

Another member of our message board told me about the "You might be a Nigerian scammer" list on EbolaMonkey.com, and I wanted to share parts of it with you.


You might be a Nigerian Scammer if . . .

YOU WRITE IN ALL CAPS.

You refuse to use spell check and think that Courier is the only font in the world.

You hate Americans.

You confuse American last names with first name. Ex. Smith Adam or Williams Brian

When someone asks you for a picture, you look for the nearest magazine. (or modeling website)

You always put DR. in front of your name, no matter what the situation. Even if you are not a doctor.

You become extremely angry when you catch someone lying, even though everthing about you and what you are doing is a lie.

You have trouble keeping your lies straight.

You introduce yourself as a Prince or a King.

Your father or husband was a Nigerian General.

The new President of Nigeria is seeking vengence on your family because your father or husband confirmed a life prison sentence on him when he was in charge.

People around you tend to get assassinated, poisoned, or killed in a plane crash.

You write in the most contrived, archaic, and atrocious English.

You try to capitalize off human misery (e.g. mutilations in Sierra Leone, the September 11th attacks)

You have $25-$100 million dollars just laying aroundatrocity

You address everyone as "friend" or "dear"

Everything is "confidential."

You are a prestigious International Banker and you have a Yahoo or Hotmail email address. Even if you are trying to be secretive, the best you can come up with is a yahoo email address because you aren't smart enough to log into register.com and register a fake domain name.

You are an ex-general who got converted to Christianity and now wants to make amends to God by sending a stranger the $ 25 million you stole from your country.

You are the wife of the deceased state employee whose husband stole all this $11, 000,000. but got converted to Christianity before his death and wants you to "invest it all in Christian work in the US to make amends for his sins against God.".

A contract was over invoiced/overcharged by $25 million and the money is now "floating" in a suspense account at the Central Bank of Nigeria under your sole control.

You have resolved to share 35% of your fortune with a complete stranger for taking absolutely no risk whatsoever.

You are The Chairman in charge of Minting and Printing at Central Bank of Nigeria and you control the Nigeria Remittance Office. Not only can you supply any document needed to prove these funds exist, you can also print any document needed to authorise release of the funds to a complete stranger.

All you require to make someone rich is YOUR NAME, COMPANY`S NAME, ADDRESS , TELEFAX NUMBER. YOUR BANK NAME ,ADDRESS, TELEFAX NUMBER. YOUR BANK ACCOUNT NUMBER AND BENEFICIARY NAME.

You are a high official at Nigerian Petroleum holding on to millions in over-billings.

You have a motorcycle for sale on EBAY for an extremely low price and your will to ship it for free for a small deposit of $2000.

By some strange coincidence You and your trusted barrister and/or other associate always read and write your emails mere minutes apart on the same computer.

You are a destitute political refugee living in a camp on the boarder of some country, but you still manage the daily trip to a cyber cafe in Logos, Nigeria in order to check your email.

When you get caught trying to scam someone, you use the "I'm doing this because the white man robbed me and made us Africans slaves" excuse. Even though you have no idea of the ethnicity of the person you are robbing, disregarding the possibility that you could be stealing from someone who has African ancestry.

You pose for a photo with a loaf of bread on your head

-dont know what these mean:
Ivannastiff Kockupmianus
Iama Dildo
Bendme Overand Dome
I Love Juanking
Will U Phystme
Iblowdudes
Anita Cox
Humpin Bois
Butt-Plugg

You "monitor" emails rather than read them.

Need money urgently so your child can have an vital operation tomorrow, for weeks.

Work for a African bank and can rip them off with just a USA bank account and $200.

Ask a stranger to help you secretly rip off a bank etc.

--------------

Compensation for Scam Victims

Don't get too excited thinking that I am going to share with you the secret to recovering money that you lost to a scam. Nope . . . it is just the title for the scam email that I want to share with you this week.

From: dr.jfisher55@gmail.com;

COMPENSATION AWARD FOR SCAM VICTIMS

Hello,

I'm Dr. John Fisher... ed. T.H.Turner (London, 1855), Coll. No. *VIII, II, 263-272. 10) - Erasmus, Ep., I, 415, I'm 51yrs Old. I'm one of those that took part in the Compensation in awards many years ago and they refused to pay me, I had paid over $18,000 while in the London, trying to get my payment all to no avail.

So I decided to travel down to the Compensation and lottery company with all my compensation documents, And I was directed to meet Mr. Larry Gold, who is the member of COMPENSATION AWARD AUTHORITY and a Human Rights Activist (Lawyer), and I contacted him and he explained everything to me. He said whoever is contacting us through emails are fake.

He took me to the paying bank for the claim of my Compensation payment. Right now I'm the most happiest man on earth because I have received my compensation funds amounteing to $750,000 Moreover, Mr. Larry Gold, showed me the full information of those that are yet to receive their payments and I saw your email as one of the scam victims, that is why I decided to email you to stop dealing with those people, they are not with your fund, they are only making money out of you. I will advise you to contact Mr. Larry Gold

You have to contact him directly on this information below.

COMPENSATION AWARD AUTHORITY

Name : Mr. Larry Gold (Barrister)
Email: barristerlarrygold@lawyer.com
Telephone: +8613925551141

You really have to stop dealing with those people that are contacting you and telling you that your fund is with them, it is not in anyway with them, they are only taking advantage of you and they will dry you up until you have nothing.

The only money I paid after I met Mr. Larry Gold was just $350 USD for the paper works, take note of that.

Thank You and Be Blessed.

Dr. John Fisher... ed. T.H.Turner (London, 1855),
Coll. No. *VIII, II, 263-272. 10) - Erasmus,
Ep. Education: BS, Business Administration


dr.jfisher52@gmail.com

-----------------------------

So how do we know this is a scam? If there really was a way to recover the money lost in a scam the information would be all over the news and on every government website so that all scam victims could contact the correct people and recover their money.

Second, a Google search of the phone number shows that it is listed on MANY scam fighting sites, and that it is a phone number from China. Strange . . . the person in this email claims to be in London.

He even tries to tell you that you need to stop listening to the scammers because they will only lie to you and drain your funds . . . this is the only truthful thing in this email.

Identity Theft

As some of you know, I am a big supporter of Denise Richardson and GiveMeBackMyCredit.com, so I want to share her triumphs with all of you.

Denise was recently interviewed for an article called No One is Safe: Identity Theft in Modern Times.

Here is a portion of the article

When Richardson went to apply for a separate loan, it became shockingly clear that Shawmut Bank, her mortgage lender, had incorrectly calculated her monthly payments and, in some instances, simply didn’t apply the payments at all. Richardson then took the initiative to review the payment records -- both her own via the coupon stubs as well as what little information that the bank had on file -- but due to Shawmut’s repeated miscalculations, it became completely hopeless to verify the remaining balance on her mortgage account.

Richardson did not, however, sit back passively and allow the Shawmut Bank to take advantage of her. In fact, she filed a federal lawsuit against the company to amend their financial faults and hinder further maltreatment from happening to others.

Richardson’s history of inaccurate credit reports does not end there. In 2001 she again became a victim of fraud, this time in the form of $9,000 worth of airline tickets charged to her credit card by an unknown identity thief. Then again in December 2009, her credit card was charged with cable billing fees from a company other than her own cable provider. In regards to all three instances, Richardson remarks, “It’s something that I didn’t even do.”

To read the article in full go to No One is Safe: Identity Theft in Modern Times.

Protect the Consumer

Our friends at Americans for Fairness in Lending asked me to share some great information with you about a new site that they are involved with called ProtectTheConsumer.org and their recent webinar with Professor Elisabeth Warren about financial reform. If you missed the webinar, you can listen to it here.

Professor Warren emphasized, we can’t win this fight without everyone’s help. The big banks will always be able to outspend consumers, so it’s up to us to make sure our voices are heard as the Senate considers financial reform legislation. Use your words to make a difference by taking action today!

Scam Victims arrested - adding insult to injury

Being arrested can be one of the most frightening experiences for a person, but when you add that to being the victim of a scam, you can defiantly feel like you are on an emotional roller-coaster.


Most people know the saying "Innocent until proven guilty" but the scam victims that I have spoken with that have been arrested would say that they were seen as guilty until they could prove they were innocent. Why is this? Over the years some businesses and banking institutions have gotten better at detecting a counterfeit cashier's check or money order, but instead of warning the customer that the item is a counterfeit and that they are involved in a scam, they instead call the police into the matter and press criminal charges against the customer. These businesses and financial institutions will charge that the customer was aware that the document was counterfeit and that they were trying to defraud them . . . basically, that they were in on the scam. Most times the customer is truly an innocent person who really believed that the cashier's check sent to them was good, or was only going to the bank to ask them to verify it and then before they know it then end up in handcuffs in a police department.


If you find yourself in this situation you need to read the document "The At Risk of Arrest and Arrested Fraud Victim Manual" This document will cover you and your relationship with law enforcement, your attorney, how to write a narrative of what happened to you, as well as defining some of the legal terms that you will hear so that you know better what to expect.


One of the really important things that this document says is that if you are a fraud/scam victim and you feel you are at risk of being arrested, keep a copy of this manual with you at all times. If something happens, you can refer to this document so that you don't panic and say or do something that will make your situation worse. NEVER wave you Miranda Rights.


While we were never arrested in our case, I do understand the feeling of panic of becoming a scam victim. My first thoughts were "Who do I call? Where do I report this?" That is exactly why we have the Resources page on our site. When you feel like your world has been turned upside-down and you don't know what to do, write up one letter that includes all of the information on what happened . . . names, dates, who said what and when . . . and then send that one letter to all of the agencies listed at our Resource Page.  We also have information on banking terms on this page along with other helpful tips like

• Close any other accounts that you have at that bank so they cannot freeze those accounts
• Turn off any direct deposits you have going into that account
• Turn off any automatic payments or withdrawals you have coming out of that account
• Open an account at another bank

Also, for support from others who have been in your shoes, you can talk to other scam victims at our message board.  Many people find this to be like an online therapy session.

Letters

Have you ever wanted to write a letter to a company or business about a customer service issue, debt collection or identity theft issues but did not know how to get started? Wouldn't it be nice if there was a website with "sample letters" for you to look before you write your letter, and suggested important information for you to include in that letter? Well, there is.

The Privacy Rights Clearinghouse has a page with just that information for you!

Writing a letter to our elected officials and government agencies is the way we can make our voice and opinions heard, and this site can really help you get started if you feel like you are having "writer's block".

Fraud Fighters Forum

AARP and the BBB is holding a Fraud Fighters Forum on April 20th in Golden Valley, Minnesota.

You can read the details of the event here.

Attorney General Lori Swanson will be there, along with other top officials, to show you how to spot and stop fraud.

Hear about the crimes that affect Minnesotans and what members of the law enforcement are doing to combat criminal activity. Experts will cover the topics of:

Financial schemes
Investment fraud
Health care fraud
Identity theft

With the right information, you can avoid becoming a victim of fraud

Crime Victims Rights Week

Fairness. Dignity. Respect.

This is the theme of the 2010 National Crime Victims Rights Week.

I think that these three words say a lot. I feel that there needs to be fairness, dignity and respect for all crime victims, even White Collar Crime victims like the ones we help at Scam Victims United. Too often these victims are seen as not really needing help or services because they are "just paper crimes". Since we do not have any physical encounter with the person that victimized us, we are seen as less of a victim.

I for one can tell you that we go through the same emotional rollercoaster that a victim of other types of crime. Just because I was not stopped at gunpoint on the street corner does not mean that I don't have emotion scars from what happened to me. And we suffer the same financial weight that other crime victims suffer . . . and some victims even more so if they are criminally charged with trying to defraud the bank by presenting a counterfeit check. Can you imagine finding out that you have lost thousands of dollars, then being arrested and having to find a lawyer to prove that you are innocet?

Fairness. Dignity. Respect.

We all deserve it.

Hiding behind the email

You just got an email and it looks like it is really from a local business or organization that you know. Is it possible that it could be from a scammer? The answer is yes. Scammers use a technique called spoofing to do this.

What is spoofing? Well, if you want to go and read the technical definition of it, you can go here, but for those of you who are like me and some of the technical talk starts to sound like "blah, blah, blah" here are the spoofing basics.

Spoofing is when the person who sent the email makes it appear like the email cam from a different email address. One of the clues would be if the From line in the email has a different address than the Reply To line of the email.

Why would anyone want to do this? Well, the scammers take on many different profiles, and since they are trying to gain your trust, and your money, they have to make it LOOK like they really are who they say that they are. If they can spoof an email address of a well know business, and in their email they say they are with that business, there are some people who are not as internet savvy that will believe that the scammer is really who they say they are or associated with the company they claim to be with simply because the email address appears to be from that company.

Email spoofing is a common tool used by internet scammers, since it allows them to hide behind the identity of another person or company.

Look inside your emails

I have never claimed to be a internet or computer know it all, so I have learned to do some research and look to those who do know more on the "technical" side of how things work when I need to. When I decided I wanted to talk to my readers about the information inside of an email, spoofing, hacking and IP addresses I knew I was entering into a world that I am not comfortable with . . . seriously, all of the technical talk starts to sound like "blah, blah, blah" to me. So that is when I contact my friend and fellow scam fighter at CyberCrimeOps.com

Ironically, he wrote an article just this month about a LOT of the things that I wanted to touch on. Here is a sample . . .

Some of you reading this article may have seen news reports of people getting alarming email messages from their friends.

Tales such as "Help, I'm stranded in Nigeria and need money" have come to many people as a surprise in recent months, and the trend seems to getting more widespread. The messages are coming directly from the email accounts of someone you know, and at first glance it may seem real. The truth, once discovered, is that the email account has been taken over (hacked [link]) by a fraudster, and the solicitations for money being sent out are a simple fraud. One question that seems lost in all of these news reports is "how did this happen?" -- Let's investigate this a little further and shed some light into this dark corner.

From Hack To Phish

Hacking covers a wide range of techniques, such as Security exploit; Vulnerability scanner; Packet Sniffer; Spoofing attack; Rootkit; Social engineering; Trojan horse; Virus; Worm and Key loggers; but for the purpose of this article we will concentrate on only one of these, social engineering.

"Social engineering is the act of manipulating people into performing actions or divulging confidential information. While similar to a confidence trick or simple fraud, the term typically applies to trickery or deception for the purpose of information gathering, fraud or computer system access; in most cases the attacker never comes face-to-face with the victim." (Source Wikipedia: [link])

Phishing [link] of course, comes under the general umbrella of social engineering and is a technique of fraudulently obtaining private information. People may associate Phishing with financial institutions (banks, credit cards and credit unions), eBay, PayPal and others due to a great many reports in press. However, one form of this phishing hides in relative obscurity, and asks not for banking details, but for your email account login credentials. If you get one of these emails, it may actually look very real indeed.

To read the rest of this article, go to CyberCrimeOps.com

Events scheduled for National Crime Victims' Rights Week

Check out what events will be going on in your area for National Crime Victims' Rights Week

http://ovc.ncjrs.gov/ovccalendar/

It starts with an email

Here is a typical email that could show up in your inbox and start you down the path of becoming a scam victim if you don't know what to look for.

Subject: You Have A Package

From: Brenda.Kellen@marshall.k12.mn.us

Reply To: info@fedexdelivery.com

You have a bank draft of $580,000.00 USD , which await the outstanding payment of $95.00 Contact our dispatch unit for dispatch immediately. Contact person: Mr. Celin Smith, Email: fdexcourierdeliveryltd01@gmx.com  Tell: +234 807 363 6733

How do I know that this is a scam from just this small amount of information? Let me show you.

First, they tell you that you have a large amount of money just sitting there waiting for you, and all you have to do is just send them some money and they can release these funds to you.  This is used in inheritance and lottery scams on a regular basis.  If you really did have a large amount of money owed to you, and the only thing holding that money from getting to you was some sort of payment, they could take that payment from the amount owed and just send you your money.

Second, there are WAY too many email addresses going on in this email.  There is the one in the From line, which is probably spoofed or this person could have had their email account hacked into.  We will talk about spoofing and hacking later on this week.  Then there is a different email address in the Reply To line, which includes the term FedEx, but is not a legitimate FedEx extension . . . a simple Google search verified this.  Then, within the email there is a third email address, again with terms referring to FedEx, but if you look they are on the front part of the email address, the part after the @ is from gmx.com which is a free email service.  With free email services the person setting up the account has full control over the letter that appear before the @ in the email address.  I could go and create one right now that said WaltDisney@(insert free email service here) but that does not mean that the people who I am emailing are getting emails from Walt Disney.

Third, look at the phone number provided . . . Tell: +234 807 363 6733 . . . that is WAY too many numbers to be a United States phone number.  Another Google search tells me that 234 phone numbers are from Nigeria, and Nigeria is the number one country of these types of scams.

So what have we learned today?  Google is our friend, look at the email address and see if it is a free email service, and check your phone numbers.

I was a guest blogger

I was a guest blogger on http://inexpensively.com/ today.

You can read the article at
http://inexpensively.com/articles/shopping/avoid-secret-shopper-scams/

New scam fighting site

It is always good when a new scam fighting site come to the internet.  The more places where people can find information about these scams, the better!  I was introduced to AllScamsForum.com today due to a comment left on our blog.

Just like us, the allow you to post the names, email addresses and phone numbers that the scammers are using.  And, just like us, they are on Facebook and Twitter.

As with any new scam fighting site, we will look for ways that we can partner together to spread the word about scam education and awareness.

No, you didn't win the Pepsi Lottery

Here is an email that got past my Spam filter.

This is to inform you that your e-mail has won you a total sum of £950,000.00 GBP (NINE HUNDRED & FIFTY THOUSAND POUNDS) in the Pepsi lottery of 2010. To claim your prize Contact Shaw Hendrick at: shawhendrick-pepsi@admin.in.th

Name:
Address:
Mobile No:
Age:
Sex:
Occupation:
Country:

NOTE: ALL REPLIES MUST BE ADDRESSED TO Shaw Hendrick: shawhendrick-pepsi@admin.in.th
Judith Hodge
Public Announcer

First, you have to enter a contest/lottery/sweepstakes in order to win.  Second, I am going to guess if there was a Pepsi Lottery going on, they would have ads EVERWHERE telling people about it.  Third, if this person really worked for Pepsi, they would have an official Pepsi Company email address.

So how does this scam play out?  I am going to guess that you will either be asked for your bank account information so that they can directly deposit your winnings, but instead will take everything from your account.  The other option is that they will send you a cashier's check for your winnings, and you will have to send a portion of that check back to them (maybe to cover legal fees for your winnings) but the problem will come AFTER you wire them the money and the bank calls you to tell you that the check is counterfeit and they now want you to pay them back.  You cannot just wait for the check to "clear" or be "verified" because even if the bank told you it was "clear" it can come back as counterfeit a week later . . . I know . . . that is what our former back told us!

For more information on Lottery Scams check out our website or talk with others on our message board.

NOVA Conference

I will be presenting a workshop along with Denise Richardson of GiveMeBackMyCredit.com at the NOVA Conference this August in Salt Lake City, Utah.  The full list of workshops is now available and can be found at http://www.trynova.org/conference/2010/workshops.html

I hope to see you there!

F-R-E-E does not spell free

Today we have a guest blog spot from Denise Richardson of GiveMeBackMyCredit.com

If you aren't allowed to offer "Free Credit Reports," that aren't really free how about offering "Free Credit Scores"--with strings (dollars) attached, of course. Not happy with the way the FTC short-circuited the lucrative business of providing not-really-free credit reports (the ones that come with the hidden costs of credit monitoring services), Experian and others appear to have come up with what appears to be a clever and creative way to skirt the intent of the new regulations.

If you are one of the many consumers who have already been swept up in the many free credit report jingles, be warned--F.R.E.E. still doesn't spell free.

Similar to the way credit card companies have found ways around the CARD Act rules, those companies offering free credit reports have cleverly discovered ways around the FTC's rules as well. Seems everywhere consumers look for reliable, secure, and safe methods to obtain credit--or a loan modification--they seem to encounter a maze of deceptive practices. The FTC (Federal Trade Commission) sought to stop deceptive practices over offering fake free credit reports, but the ruling only prompted companies to change their tactics, not their business.

New regulations set to take effect September 1st place restrictions on television and radio advertisements for "free credit reports," -yet failed to note they couldn't advertise strings (or dollars) attached credit scores. And you guessed it -like a magician with a calculated sleight-of-hand poof -free credit report ads will now be replaced with free credit score ads -and those free credit reports will now come with a nominal fee that goes directly to charity. Yes, charity. According to creditcards.com:

They no longer are advertising "Free Credit Report!" -- a pitch that drew complaints from thousands of consumers because the offers typically came with costly strings attached. Instead, some of the top sites are now offering "Free Credit Scores." And the best-known site, FreeCreditReport.com, says it's still in the business of supplying credit reports, but that they'll now cost $1 (that it will donate to charity).

Great marketing--or is it instead, as one email I received called it, "diabolical"? A reader duly noted that, in this scheme, consumers provide their credit card information believing they are only being charged a dollar. The catch is, the consumer then has to cancel the registration. If they don't, they will find their card has been charged the $14.95 monthly fee. At least when it was F.R.E.E.--as one jingle claimed--some people avoided the trap as they opted NOT to provide a credit card. Will more people be caught in the web simply because they believe they are donating a dollar to a good cause?

Here's how it appears to work. First of all, if you sign up for your free credit score, you enter into a 7-day trial that then evolves into a paid monitoring service. Is it easy to spot the fact that you are going to have to pay for this service? Well, if you can get past the words "FREE" and "no-obligation trial," avoid scrolling down to the bottom of the page where most fine-print notices of fees are generally hidden, and instead look at the top of the page, then yes, you can spot the fact that it is indeed going to cost you $14.95 a month for this "FREE" and "no-obligation trial" that lasts only 7 days.

Second of all, if you opt to purchase your credit report for one dollar, you get the same deal: a $14.95 membership in a Triple Advantage Membership. It's Groundhog Day all over again! You see, Triple Advantage is an Experian product, a.k.a. your freecreditreport.com, and it was this same $14.95 charge to Triple Advantage that outraged consumers and ultimately brought about FTC spoof video parodies, and more recently a class action suit hoping to stop this type of mass confusion.

Despite the recently created rules regarding fake free credit report offers, it appears that once again loosely written legislation allowed these companies to change their strategy -but not their business. It appears to be business as usual as these companies simply find new and creative ways to operate around the intent of the restrictions designed to protect consumers. It will unfortunately always be true that there are companies that operate right on the edge of the law. As consumers, we have to be aware of their shenanigans, avoid them if we can, and shine a strong light on them in the hope that someone--maybe the FTC again--will notice and take action.

Here's how to get copies of your really free credit reports!

Giving People a Voice: ShameTheBanks.org

Here is a press release from another site that has a similar mission as ours . . . giving people a voice and a place to share their stories.

On Monday, March 22nd Shamethebanks.org was launched to give a voice to the millions of American's fighting the banking system to save their homes, lower the interest on a credit card, advocate for student loan rights.

ShameTheBanks.org is a non-commercial website designed to give hope and empowerment to American families. The first release of the website is targeted on helping Homeowners by providing information and knowledge gleaned from multiple sources accessible in one central location. Further releases will target information regarding credit cards and student loans.

It is clear that Wall Street, the Banks, and the Loan Servicers are not concerned about the American Family: they've taken tax dollar bailouts to lobby and persuade elected officials for their own end, reward themselves with bonuses and salaries while Main Street families struggle to remain afloat.

The first release of ShameTheBanks.org carries a message to Congress and the Banking Institutions on the continued lack of assistance to millions of Americans suffering from the troubled economy and a Mortgage Modification Program that still has yet to help the 4 - 6 million Americans that it was proposed to assist.

According to the latest report by Treasury, just over 170,000 mortgages have been permanently modified. The banks and servicers who participated in the program have offered 1,354,350 homeowners trial modifications - a far cry from six million and a mere 12 percent of those have been converted to permanent modifications. The rest? Who knows?

It is estimated that homeowners have been bilked out of close to $4 billion in this way. A technique paid for by taxpayers. If they do get a modification, it can be nothing more than a difference of $20. The banks call that a modification and collect more taxpayer money.

The Congressional Budget Office reported that HAMP won't even spend the full $50 billion it had allocated to helping homeowners. It will only spend $20 billion. That's $5 billion less than the government spent saving the auto industry and only 3 percent of what it spent saving the banks.

With a mission to provide accurate, up to date information regarding Banking and Congressional issues ShameTheBanks.org does not share personal information with third parties. Instead, it offers a community where struggling families can take refuge and find relief (not shame or blame) by reading stories of real people and empowering themselves with resources.

Submitting stories is welcomed and encouraged. Visitors simply register and receive instructions on submitting their story.


About ShameTheBanks.org

ShameTheBanks.org was developed by Huffington Post blogger Richard Zombeck to bring national attention to the modification crisis that continues to plague millions of Americans. Richard is joined by writers with firsthand experience with Loan Modification, Credit Card and Student Loans. After repeated unsuccessful attempts with Congress, Government Agencies, the Banks and many other resources, this group is fed up and instead of giving up, created a community of support and empowerment.

Contact:
Richard Zombeck
ShameTheBanks.org
www.shamethebanks.org

419 scams

I recently gave a presentation at a local high school, and when I was going over a list of different scams and said that 419 scams are the ones that most people think of when they hear the word "scam" the students looked at me and most of them did not know what I was talking about. I guess since I have gotten so deep into the world of scams I just assume that everyone knows about 419 scams. I guess that this is just more proof that we need Scam Education and Awareness Programs in our schools and communities to teach people about these scams.

What is a 419 Scam?

To break it down to the basics. these are the letters and email that claim to be from a Prince or Dignatary from another country who has a large amount of money that they need to get out of the country, and if you would be kind enough to help them they will share a portion of the money with you.  Another variation of the 419 scam claims that you have a relative that died and left you a large amount of money.  In either case, they will ask you to send them some money for "legal fees" to transfer the money.

The scammer may even tell you that they are dying or that there is some other urgent reason that they need to complete this transaction.  These are all just lies to pull at your heart and cause you to make rushed choices.

Here is an example of a 419 Scam email

DEARLY BELOVED

RE: PLEASE ENDEAVOUR TO USE IT FOR THE CHILDREN OF GOD.

Reply email to my private email:mommylinda@live.com or mrslindakunte01@gmail.com

Dearly Beloved,

ln my quest to locate a genuine God fearing person, a good friend and a partner to bring my dreams to a reality, l have decided to take the bold step to contact you via this medium, l would not like you to pick offence, that l am bothering you, since you do not have the slightest knowledge about me neither have we ever met.

I am MRS. LINDA KUNTE from Kuwait . I was married to DR HARRY KUNTE who worked with Kuwait embassy in Ivory Coast for nine years, before he died in the year 2002. we were both married for thirty two years and we were blessed with an adopted male child, who is twenty five years old now.. My husband died after a brief illness that lasted for only four days.

Before his death we were both involved in charity services. Since his death I decided not to re-marry or get a child outside my matrimonial home which is against my principle. When my late husband was alive he deposited the sum of $11.8 million eleven million eight hundred thousand u.s.dollars with a bank in Europe . Presently, this money is still with the bank in Europe for safekeeping.

Recently, my doctor told me that I would not last for the next three months due to my cancer problem..Though what disturbs me most is my stroke sickness. Having known my condition of health I have decided to donate this fund to charity, orphanage home or an individual that will utilize this money the way I am going to instruct herein.

I want an individual that will use these funds to fund charity, orphanages and widows and to ensure that these set of people are well maintained. The bible made us to understand that blessed is the hand that griveth. I took this decision because out of the vision God almighty gave to me and for my love for humanity and the less privilege people in the society, our only adopted son and my husband's relatives are well off and I don't want my husband's hard earned money to be misused by them.

As I do not want a situation whereby this money will be used in an ungodly manner. Hence the reasons for taking this bold decision. I am not afraid of death because l have lived a fulfilled life. As it is right now, I don't need any telephone communication in this regard because of my health and also due to the presence of my husband's relatives around me always. I don't want them to know about this development. As soon as I receive your reply I shall give you the contact of the bank in the Europe .

I will also issue you a letter of authority that will prove you as the original-beneficiary of this funds. I want you to see to the need of the less privileged. My happiness is that I lived a fulfilled life and l don�t have any regrets in life . Please note that any delay in your reply will give me room in sourcing for another individual as I stated herein.

For now I don�t want any calls from you because of the presence of my husband's relatives who are always around me and I don�t want them to know my plans. Do get in touch with me on my private email address mommylinda@live.com or mrslindakunte01@gmail.com for more details to proceed.

Hoping to hear from you soonest and do notify your interest to help me assist charity.May the peace and blessing of God be upon you and May God bless you as you respond to my plea.

Remain blessed.

Best Regards,
MRS. LINDA KUNTE

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