Monday, January 25, 2010


Partly inspired by the previous post about bomb-non-detectors, I'm expanding into general frauds.

Account take-over fraud

Broadly speaking, someone impersonating you will telephone your bank, give the right answers, and transfer the money in your account to their own, then withdraw it.

Alternatively, they may obtain fake ID in your name, open a joint account with a confederate, then transfer the money across, leaving the hapless confederate to go to a branch and attempt to withdraw £10,000 in cash. That didn't work too well, the confederate got two years inside.

MORAL OF THE STORY: Have passwords that are difficult to guess (no pet's names, kid's names, dates of birth, address, 1066, 1966, 1945, etc.)

This type of fraud is similar, but distinct from...

Identity theft

Someone assumes your identity, obtains official documents, bank accounts, etc. and eventually arrives in a position where they may apply for credit in your name. They do so, taking the money, and allowing you to clear up the mess. Forget the mortgage, you probably won't be able to a mobile phone until this one gets cleared up. Even *attempts* at ID fraud will show up on your credit record, as it is usually committed by applying for credit.

MORAL OF THE STORY: Shred ALL personal correspondence before disposing of it. Guard your personal data with your life. It's not paranoia if they're really after you. I've opened a bank account before now using nothing but a mailshot about car insurance. It's harder these days, but not by much.

Advanced fee fraud

The 'classic' or 419 scam. 419 is the provision of the Nigerian Penal Code prohibiting such behaviour in Nigeria. Most of the fraud is from Nigeria, for some reason. is worth a read if you have a spare afternoon and need a laugh.

How does it work? First, the carrot -- a cash lottery prize, a suitcase full of money, a box of gems, gold bullion, money in escrow accounts, whatever. The hook is, they want to share it with YOU, yes YOU.

Touched, you correspond at length. It turns out they need to bribe customs officials / pay registration fees / whatever. Would you please wire the money to me, by Western Union? Ta. Needless to say, you never hear from them again.

MORAL OF THE STORY: If it sounds too good to be true, it is.

Deposit fraud

Particularly relevant for flat-hunters or car-buyers, this one. You see a nice one, cheap, good area / low miles (alarm bells should be ringing already...).

Anyway, they want to show it to serious punters only, so prove you've got the money for the deposit please. How? Oh, why don't you just wire some money to your mate, by Western Union, and email me a picture of the confirmation slip?

You do so, and they just take the money -- the picture of the confirmation code is all they need. Off they trot to their local Western Union branch, and jackpot!

MORAL OF THE STORY: avoid Western Union like the plague.

Cheque fraud

Many and various forms. Generic principle: the fraudster must engineer a situation by which you need to give him some money or valuable object, like a car. This may be by overpaying you for something, the excess to be sent to him from your account. This may be by him giving you a cheque in exchange for your nice motor vehicle.

In all variations, your money / valuable consideration is handed over against a cheque. This cheque will be stolen or forged. The money will appear on your bank account. Many banks call this 'pre-clearing' or some such rubbish. It's nothing of the sort. The cheque can be reversed up to a week later, and the money will magically disappear. By which point, of course, your money is long gone.

MORAL OF THE STORY: nothing valuable should leave your possession until the cheque has cleared. A UK cheque takes SEVEN WORKING DAYS to clear. Even electronic transfers can be reversed on occasion. Cheques drawn on foreign banks take MUCH longer.

And finally, in reply to one of the comments on the previous post, about cheque fraud...

Arnold, saying 'you don't have to be stupid or greedy to fall for a scam' is not entirely accurate. The lawyer scam you mention, is in fact entirely typical. The fraudster contacts a lawyer purporting to be a director at a prestigious company. The lawyer checks it out online, it looks good, mentions in newspapers, etc.

They need help collecting debts from recalcitrant clients of their, which funds are then to be forwarded on to the company.

They give contact details of the 'non-paying customer', who is, of course, the fraudster by any other name. They 'pay up' using a stolen or otherwise fraudulent cheque.


I've put the stupid bit in capitals to help you out. Actually, the really stupid bit is not checking the client out properly. Best thing is to ask for a name, call the listed number for the company, and ring them, asking to be put through. If it's a scam, "no-one by that name works here, I'm sorry", if not, one satisfied client, impressed by his cautious and thorough lawyer.

The lawyer described himself in the following terms; "I'm a capital 'D' Dumbass". For a man with 23 years' experience, that's probably a little harsh, or at least I hope so, for his clients' sakes. He dropped his guard, and didn't verify a client's identity. And it cost him $182,500. Ouch.

MORAL OF THE STORY: Be careful, everyone.


  1. Excellent advice; but could we stop calling it "identity theft"? No identity is stolen, and it makes the person who has been impersonated seem to be to blame for not preventing the "theft".

    In truth, of course, the person to blame is the one who is deceived by the impersonator into parting with money, goods etc. The loss should fall on them, not on the person whose name has been taken in vain.

    Why not call it "identity fraud"? It would help to make it clear that the real primary victim is the one deceived, not the one impersonated.

  2. Does all of the above occur because we no longer have sovereignty over our own identity?

    Discuss ...

  3. I've been active on and for a year and a half. And victims are either unaware of the scam, or too trusting. Or both. They last thing they want to be told is that they are stupid. There are crime victims. And a crime where there is no chance of getting the money back, or of the scammer being caught.

  4. "...could we stop calling it "identity theft"? No identity is stolen, and it makes the person who has been impersonated seem to be to blame for not preventing the "theft"."

    Actually, an identity HAS been stolen. That's the point! To a layman there may be a difference between the theft of an object and the appropriation of it for one's own nefarious purposes, but the law makes no such distinction.

    And of course it's not your fault if your identity is stolen, any more than it's your fault your house is burgled because you left a window open, and a ladder in the garden. I think most people would call that stupid.

    Arnold, it's great that you're getting involved in websites that can genuinely help people. Victims are indeed too trusting. However, the difference between 'too trusting' and 'outright stupidity' is semantic in nature.

    Believing that someone has a giant suitcase full of cash, and that they've chosen you, out of the 4 billion email addresses floating around, to help them get their money out of the country, is just ridiculous. And people still do it. People don't like being told they're stupid, full stop. When people realise what's happened, they are embarrassed, because they realise that what they did was stupid.

  5. Semantic, and irrelevant as far as I'm concerned.
    It's the lesser known advance fees frauds that claim the most victims, and are probably more profitable overall.
    At first glance, the delinquent money scam looks like a normal business transaction. As do other advance fee frauds. Such as fake loans, lottery prizes, jobs, pets, etc.
    Some frauds offer no tangible rewards. Fake charities, romance scams, the hired killer scam, for example.

  6. My neighbour has just received a letter offering a share in 36 million dollars tucked away in a Spanish bank. Information passed on to the bank concerned. Hope they nail the thieving bastards.

  7. Little chance of that. Scammers are hard to find even if they use mail instead of email. Did the letter come from Spain? There won't be any connection with the bank, which was probably just picked at ramdom.
    Any chance of a scan of the letter?

  8. my stuff gets shredded and then used as bedding for my chickens before going into the compost

  9. When something of mine is stolen, the result is that I no longer have it. If someone impersonates me, nothing has been stolen from me - I still have the same "identity" I had before.

    The distinction is not just semantic. If the bank debits my account when someone impersonating me gives them instructions, the bank is the victim of an impersonation and must stand the loss. But if someone steals something from me, that makes it sound as though I am the victim, and must stand the loss. It is not surprising that the banks promote the misnomer "identity theft", and encourage us to think we owe them a duty to shred our electricity bills so as to protect them from credulously accepting them as evidence of identity.

    (And this isn't a layman's view, as it happens.)

  10. It isn't always easy to get the bank to accept that you've been the victim of a fraud. And it gets worse if a fraudster manages to apply for loans and credit cards in your name. Or even gets your mail redirected.
    You're involved in the police invesigation, your credit rating has gone down the toilet, credit card companies and even debt collectors are chasing you.
    Even if you aren't at fault, it's not somewhere you want to go. Far better to take precaution, such as shredding bills etc.

    Banks aren't always inclined to accept that the account holder isn't responsible.

  11. I'm Jillian, also from ScamWarners. It's not fair to classify all scam victims as stupid. They fall prey because they are ignorant of the scam. Intelligence doesn't always have anything to do with it.

    I'd like to add a bit of information to your comment about fraudulent checks. You stated:

    "A UK cheque takes SEVEN WORKING DAYS to clear."

    People should be aware that banks will hold you permanently responsible for a check you have deposited, regardless of how long it takes to be returned as fraudulent. Waiting seven days is NOT a failsafe. It sometimes takes longer than that. Be aware that some of the checks are forged on stolen accounts. They will initially clear as the account is a working account. It could take some time before the account owner justifies their books and notices the fraudulent activity. Regardless, the checks will always be found as fraudulent and the person who deposited them will always be financially (and sometimes legally) responsible.

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