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 Post subject: Types of Scams
PostPosted: Thu Aug 13, 2009 3:50 pm 
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Joined: Thu Aug 13, 2009 3:36 pm
Posts: 3
Advance Fee Fraud

These scams often come unsolicited via email and are usually one of two types.

1. Nigerian letter type scams - this is where a supposed 'relative' of a senior government official in mainly African countries writes asking for assistance in getting funds out of their country. They offer a percentage of the sizeable amount of money to you as a reward for them using your bank account to clear the funds.
2. Estate type scams - these scams often originate out of the United Kingdom and claim to be an estate company trying to track down beneficiaries for a deceased estate. They usually ask for money to be sent to cover the legal fees associated with lodging a claim and then disappear from contact with your money.

Affinity Fraud

Affinity fraudsters prey on people who trust each other, particularly members of religious, social, or cultural groups. They use the trust that exists within these groups to help steal money.
Astrology and Psychic scam

These promotions advise that you could come into a fortune if only you send funds to mail boxes for talismans, golden eggs or fortune telling guides to personal wealth. The material is normally bulk mailed from overseas though it appears to be specifically written to you (thousands of others may have been mailed the same request).

Be wary of replying to mail that advises you that you are about to come into riches.
Banking scams

Banking scams use technology to steal consumer information which can then be used to access money in people's bank accounts.

Common variants include 'phishing' where scammers replicate a bank's internet banking website and obtain customer details and skimming where devices are fitted to ATM machines and EFTPos terminals to obtain card details.
Betting Schemes

These are services selling software and systems which guides people betting on horse races. Be wary of investing in such programmes without consulting with independent investment advisors and careful reading all the available material. Most of the schemes do not offer racing information for New Zealand tracks.

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Cheque Overpayment

This scam usually occurs in association with on-line auctions. A fake bidder offers to buy a product over the internet and sends a cheque for more than the agreed amount. The bidder then contacts the seller and asks for the additional money to be refunded by money order. Once the seller sends the overpayment, the bidder then cancels the original cheque leaving the seller out of pocket.
False Charities

These scams usually follow a major international disaster and pose as a charity raising funds for victims of the disaster.
Investment Scams

This promotion offers a unique investment opportunity with high returns for very little risk. It is often only available to 'a very few investors' and it demands consumers make very quick decisions. These investments frequently don't exist at all and investors lose all their money.
Identity Theft

"Identity theft" is the takeover of a person’s identity by utilising stolen personal information, or fraudulently obtained, forged or stolen identity documents.

Identity theft often results in the takeover of a victim’s existing bank accounts or by the fraudulent operation of new accounts opened by the perpetrator in the victim’s name.
Internet Scams

Any of the types of scams mentioned in Scamwatch could find you through the internet, and all the same warnings equally apply. The most common internet scams reported involve phoney investments in work from home schemes and pyramid selling schemes.

The internet makes it even easier for high tech touts to hide, shut down, or move on. Clever websites may look legitimate and be more convincing than newspaper advertisements.


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