Be aware of the methods and techniques of SCAMMERS

SCAM INFORMATION
AND GUIDE
Brought to you by the Cardiff NSW RSL Sub Branch of Australia
http://www.cardiff-rsl.com
Provided as a civic duty to our visitors, members and patrons to assist them to identify SCAMS being perpetrated on us all.




Vermin who prey on Innocent Victims

is a label for a dishonest scheme or a fraud

Last update 07 October 2016
This Page is Regularly Updated as new Scams are discovered - visit regularly and check near the bottom of this page to see what is new.

This document provides a lot of information -  unfortunately there are a lot of different scams out there and many different ways to do the same scams.




These are just some of the people you are dealing with when it comes to internet based scams:
  
Scammer workshops - keep these pictures in mind when you are dealing with money matters over the internet
 via e-mail or social media.
   These are shots of just 2 of the possible thousands of SCAM workshops out there.

In all SCAMS, the scammers will tap into your vulnerabilities. Be it trust, fear, loneliness, compassion, curiosity, greed or just about every other emotion you have. Protect yourselves by spending some time reading through the information below. 
Without knowledge about SCAMS you are an easy target............

             FOREWARNED IS FOREARMED WHEN DEALING WITH SCAMS
  Ignorance about SCAMS is the most common reason that people get caught.

If you think "everyone knows all about scams why bother reading this stuff" - just ask your grandparents what do they know about
Phone or Letterbox scams.
SCAMS are not only happening via the internet - many thousands are still abused by Phone and Letterbox Scams every day. 
Particularly Senior Citizens.


Definition of a SCAMMER (from fraudaid.com)

"There is no guilt associated with a scam, not even the slightest twinge. A scammer is quite simply missing that particular gene. The scammer has no inbred stops, no conscience. That's what it means to be a sociopath. If anything, the scammer feels justified in taking your money.

Why is this dangerous? Because it means that the scammer will pressure you to the end of your resources, regardless of the pain and grief it causes you. Neither children, nor the elderly, nor the fragile of health are immune from their attacks. It does not matter to the scammer that they may be taking your last dollar, nor does it matter to them that you may need the promised wealth to pay for a dire need. This criminal will take your money to the detriment of your health even by selling fake cures and false hopes, knowing that their scam may ultimately cause your death.
The swindler's attitude toward their victim is the same as any serial criminal."

SCAMMERS are prevalent in all societies and practice their expertise in a vast range of methods.  They are far more skilled in getting you to giving them your money than you could possibly imagine.  They range from large groups or organisation to just an individual milking others for personal gain.  Many have a lot of resources and experience that they bring to bear against the unsuspecting and are ruthless in scamming their victims.  No guilt, no compassion and certainly no ethics. Their only goal is to ruthlessly steal from you and your family. 

If you have already been the victim of a SCAM then please report it to the appropriate authorities - yes - embarrassing to admit you have been SCAMMED but get your revenge by reporting these thieves so that others may be spared - only by reporting the SCAMS that we encounter can we reduce their impact on others globally.

For Australian's - please report SCAMS to:   https://www.scamwatch.gov.au
Check this site regularly for news on the latest SCAMS - Site run by ACCC - Australian Competition and Consumers Commission Australia.

For Other Nation's 
Please report SCAMS to: http://www.scam-detector.com

Check this site regularly for news on the latest SCAMS - Site runs within the United States and has good credentials and partners.

Both of the sites mentioned above have tons of good up to date information on most current and lots of old SCAMS that will always be recycled by Scammers - Good place for first check when you are in doubt about a phone call, e-mail or Letterbox mail.  You will be surprised at the massive volume and insidious nature of SCAMS and the extremely high numbers of financial rewards these SCAMMERS achieved worldwide.

But first - have a browse of the information below - It may save you the bother of doing research on a SCAM and most importantly may save you some serious money and unwanted stress. 

If you have visited this site before and want to jump to the latest types of SCAMS Click Here to jump to the NEW articles
 


Some SCAM's you may encounter:

Lottery or Scratchy winning mail.
Received through either e-mail or Letterbox Mail
Massive SCAM mail out from Malaysia at the moment but expect more from other countries in the future - Mail contains brochures and two scratchy tickets - one wins a large amount of money - the perpetrators have created fake web sites to "validate" the brochures and give the impression that they are a legitimate organisation.  Documents advise to ring an overseas number or contact via a fake web site for details. 

The SCAM is to steal your money by getting you to pay for a plethora of fabricated reasons  - Tax, Bank Fees, Transfer Fees etc.  No matter how much you pay or for whatever reason you pay them, there is no Winners payout for you.

Every month many new fake web sites (Travel or Holiday related)  are created and very large batches of appropriate brochures and fake scratchy tickets are mailed out to the world.

If you receive letterbox mail like this throw it in the bin.........It is not really your lucky day - but it is a lucky day for the SCAM runners if you contact them - they will then flood you with phone calls or emails and they successfully convince most to commit cash to the venture.

This SCAM works on the GREED factor (a little bit of that in all of us) - you only have to pay $X thousands to get a couple of hundred thousand dollars that never really exists and will never be received. Many victims have been conned into paying multiple fees for various "logical" reasons and have spend tens of thousands trying to get their "winnings" to no avail.

Holiday Cruises - poor me stories
More and more of us are now enjoying Ocean Cruises via a plethora of Carriers - however, there is a growing number of people being "touched up" by cruise staff who take the opportunity to let you know the sad stories of their life, for them and their family, and the miserable pay  and conditions etc.  They are working on the sympathy of the patrons on the cruise who will increase tips and bonuses.  Even worse many staff strike up a friendly relationship with Cruisers and share e-mail or contact details with them.  Then they have ongoing access to your e-mail and possibly mobile number after the cruise.  

The sad stories soon become focused on a desperate financial situations that needs your help (just a little bit please, for an operation for my daughter etc, at first).   Bear in mind these cruise staff meet hundreds of people on each cruise and they work on many cruise trips each year.  Therefore, do not think that you are the only person "helping" this person financially. 

Many staff see Cruise Patrons as people of affluence and have a well rehearsed range of "sad stories" and will work very hard on your sympathy and compassion to get money from you and many others, even on the same cruise - they target anyone who shows sympathy and will take every opportunity to turn that sympathy into cash for themselves. 

Yes, they work hard and have long hours, but they are paid very well in comparison to the majority of others working in their home country. 

Not all crew members are like this - many honest and good crew aboard however, always be on the lookout for the "poor me" stories and never give e-mail details or phone numbers to any staff on board and never give money to a "poor me" story teller.

You never know who you’re really dealing with.
With internet phone services and other internet based technologies, it’s difficult  to know where someone is calling from. Using products like Skype or Voice Over Internet Protocol services (VOIP) international calls can be routed through your local exchange and appear to be an "in country" call. The scammer can also give you an "in country" number to call and it will be routed to the scammer elsewhere in the world.

Scammers can send e-mails under the guise of any organisation or person from anywhere in the world.  
Scammers often use these techniques to disguise where they are or intentionally pretend to be from somewhere else. They frequently use "from" addresses of organisations that you deal with or family and friends e-mail addresses.

Unfortunately it is almost impossible to trace where a phone call or e-mail is truly coming from.  Only by vigilance and awareness of some of the SCAMS highlighted in this document will you have a chance to identify that the content of the conversation or e-mail are potentially a SCAM.

Wiring/Cabling money is like handing over cash.
Con artists often insist that people wire money, especially overseas, because it is impossible to reverse the transaction or trace the money. Don’t wire money to strangers, to sellers who insist on wire transfers for payment, or to anyone who claims to be helping you get your winnings, windfall, secret account transfer or other fabricated reason. 

Read your monthly Credit Card statements.
Scammers steal account information and then run up charges or commit crimes in your name. They can even subscribe you for monthly “membership fees” to illicit/illegal organisations and purchase goods or services without your authorisation. If you see charges you don’t recognize or didn’t okay, contact your bank, card issuer, or other creditor immediately. 


CHECK FOR REVIEWS BEFORE GIVING YOUR CREDIT CARD DETAILS
Ensure that the reviews are not from the organisation you are dealing with.


After a disaster, give only to established charities.
In the aftermath of a disaster, SCAMS pretending to  represent a charity organisation, will reach out through various methods seeking Donations.  Often they imply that they are representing a globally recognised organisation and push really hard for instant payments.

 Never donate to unsolicited requests by e-mail, letterbox mail or phone

If you want to donate to a particular disaster or cause then do so only through you initiating the contact with a legitimate charity or organisation of your choice.   Even then be cautious of not getting into a credit card subscription for regular monthly payments.

Unsolicited Investment Opportunities.
If someone contacts you, by phone, mail or e-mail, with low-risk, high-return investment opportunities, do not become involved. When you hear pitches that insist you act now, that guarantee big profits, that promise little or no financial risk, or that demand that you send cash immediately so that you don't miss out - no matter how tempting - if the content mentions INVESTMENT  - DISREGARD.

Why would a person, you don't know, contact you and try to sell you a fabulous investment scheme?
If it worked they would be rich and would not normally be inclined to share their money with strangers.  Their get rich scheme  is to convince you to give your money to them.
Definite SCAM.

Gambling Schemes

The same  types of "get rich" SCAMS also exist for ALL Gambling Schemes across the entire rang of legal and illegal gambling opportunities available worldwide. As above, the only winner is the person you pay for a fictional product that will never work as advertised.

Many SCAM Investment and Gambling Schemes have fake web sites and glowing fake reviews highlighting  the purported outstanding success of their particular schemes. 

In some cases applications you install to run the scheme on your computer can contain a virus or RANSOMWARE program.  A dastardly way to remove all history of your purchase of the SCAM product.

Government Agencies do not send infringement
notices via e-mail or demand instant payment.

If you receive an e-mail from any "government authority" such as a fine , a notice to appear in court, a council notices or bill with an attachment or link containing the "details" then it will most likely download a program  that will lock up your system and advise you to ring a certain number for help.  The instigator of this mail will then hold you to ransom for an exorbitant fee to fix the problem - and even then once they receive the payment will not provide solution - leave you with a dead system.

DO NOT OPEN THE ATTACHMENT or any LINKS within the e-mail.
Ring the "authority" direct (using a phone book for the number)  if you are concerned.
 
Never ring a phone number contained in the e-mail or e-mail the sender - DELETE the e-mail

Great Deals via the internet or e-mail offers
If you think you’ve found a good deal for a product, but you aren’t familiar with the company, check it out. Type the company or product name into your favourite search engine with terms like “review,” “complaint,” or “scam.” See what comes up — on the first page of results as well as on the later pages. Even then fake web sites and fabricated favourable comments or recommendations are common - Let the buyer beware - if it is too good to be true then it is likely a SCAM or a poor quality product.

One example that springs to mind - Guaranteed Penis Enlargement - $25US - many web sites created worldwide - all full of glowing critiques and user recommendations (however, nowhere on the sites was there provision for user feedback) - marketed all over the world and sold many millions - what did you get for $25US - a toy magnifying glass. But did include free postage and did meet the Guarantee - penis looks enlarged via a magnifier - so not illegal, just unethical.

Never purchase "miracle" solutions that are marketed on the internet, or pushed via e-mail, letterbox mail or by phone.

Street Sellers peddling Credit Card Subscriptions for Charities.
Commonly known as "Chuggers" (Charity Muggers)
You will encounter these people almost everywhere in your shopping areas.  These people are paid commissions if they commit you to subscribing to a "charity" or "cause" with regular monthly payments from  your credit card. 

Some imply that they represent well known organisation and if that is the case then those charities are reprehensible for using this "in your space/face" methodology.   Others are pop up or non existent charities that use Chuggers to draw in money for their organisation - and may actually not even be a legitimate charity.

The Chuggers have been well instructed on how to work on  your guilt or shame emotions - they are employed by  "For Profit" organisations and often only a small percentage, if any,  gets to the implied charity.

Regularly the Chuggers are underpaid or not paid at all for their efforts.  So deal with the Chuggers gracefully with a "NO THANKS"  as most of them are not aware that they are the unwitting front end of an organisation that intends to scam those that commit to payments.

Despite claims that you can cancel your subscription easily - in most cases it will takes months of phone calls and often the only solution is to cancel the credit card.

Always be alert and cautious when it comes to credit card subscriptions to any company or organisation - be it via Chuggers, e-mail, phone call or letterbox mail. Best to decline any spur of the moment, on the spot,  commitment to any sort of hard sell pressure. 

If you later decide  to contribute to what you believe is a genuine and worthy charity - consider  in your own time - then contact the organisation via phone or e-mail that you have looked up.  Do not ring or e-mail contact details given to you over the phone, in an e-mail or in any brochures given to you.

The above in no way refers to the many legitimate  organisations and hard working volunteers who sell badges, ribbons, raffle tickets and memorabilia for the recognised and hard working charities and organisations that need and appreciate your support.

Please Warn your friends and Families about SCAMS
Unfortunately many who suffer from a SCAM are senior citizens and many of them do not have access to the internet - fortunately they will not suffer from internet type SCAMS however, many are harmed by the Letterbox SCAMS and a considerably greater number are victims of  Phone SCAMS - Particularly with the ones that are running now with "you have won a large value of cash or prizes" or "you owe money to a Government agency".  The victims are easy targets (because of their trusting nature).   The onus is on all of the "Computer Literate" people to share these warnings with their friends and family who may have no other means of discovering about SCAMS.
                                                             

Things you should avoid doing....

Do not send money by Wire Transfer to someone you don’t know......
NO MATTER WHAT THE REASON even if it is someone you think you know well via Social Media. Unfortunately hundreds of people are doing this almost every day - SCAMMERS work mercilessly on victims emotionally and seeking the victims compassion after building a fake friendship via all forms of social media environments.  Often the SCAMMER is running several victims at the same time.

Avoid Credit Card payments to an online seller or an online liaison who asks for money. Giving them payment details via a Credit Card,- even for as little as $1, allows them access to your account and they will take considerably more that the $1 implied --- they can empty your account or max out your credit card before you even have a chance to check the bank.

It’s best to do business with sites you know and trust. If you buy items or services via the internet consider using a payment option that provides some protection, such as PayPal.com
Using Credit Cards with unknown people or an unknown organisation is a hazardous risk
.

Never pay fees first for the promise of a big pay-off later
There are a plethora of SCAMS that come in many different ways - letterbox mail, e-mail and/or phone call relating to "good fortune" on your behalf - Whether it’s for a secret money stash, a loan, a Government grant, a job or a so-called lottery prize or gift.  The SCAM is that they will have some fees or costs for you to pay before they can transfer it to you.  Sometimes they convince the victims to pay several different "unexpected" fees.

Never give anyone REMOTE Access to your computer nor follow any phone  instructions to key something into your computer.
If someone asks you to allow them access to your computer over the internet or asks you to type into your computer some instructions or commands - do not allow access or key in their instructions - no matter who or what organisation they imply they belong to.  By giving someone remote access or following their instructions will allow them TOTAL ACCESS TO EVERYTHING on your computer. 

There are three possible results:

(1) the instructions you key in will allow them access to your computer and they will find all passwordsfinancial records, accounts and personal details stored on that machine and use that information to steal from you or even worse steal your identity for fraudulent or illegal activities.

(2) with remote access they can insert a virus or software that locks up your system and demand a ransom to release the machine - often the ransom is paid but no solution to the lock up is given.  They simply take your money and move on to the next victim and leave you with a dead computer.

(3) the instructions they give you to type into your computer will download a virus or ransomware application and disable your machine - and then your in the same situations as (2) above.

ONLY IF YOU HAVE AN ISSUE WITH YOUR COMPUTER AND CONTACT THE COMPANY.
If you have initiated the contact and the technician asks for REMOTE Access to your computer - best to deny them access and ask them to talk you through the resolution - it takes them longer but a reputable company will understand your reasons for denial and work with you.
              NEVER DO THIS IF YOU DID NOT INITIATE THE CONTACT

Don’t agree to deposit a cheque and wire any overpayment money back to the sender.
Many scammers will send you a cheque for payment for something that you might have sold them over the internet and "accidentally" overpay you for the item.  You send off the item and deposit the cheque in your bank.  You advise the payer that they have overpaid and they will give you an excuse and ask you to wire them the amount overpaid. 

  Often the cheque will ultimately be rejected by the bank. 

By law, banks have to make funds from deposited cheque available within days, but uncovering a fake cheque can take weeks. You are responsible for the cheque you deposit: If a cheque turns out to be a fake, you’re responsible for paying back the bank.

No matter how convincing the story, someone who overpays with a cheque and wants the difference wired to them is almost certainly a scam artist. 
Double sting - product and postage for free and you also send them extra cash.....

Safety alternative: Advise the cheque sender that you do not accept incorrect cheque payments, therefore get them to send a correct amount cheque.  You should also advise anyone paying with a cheque that you will not ship items for a minimum of 30 days - giving you adequate protection on your sale.   Draconian - but at least much safer for you.

Don’t reply to e-mails or phone calls asking for personal or financial information.
It doesn't matter whether the request comes as an e-mail, a phone call, a text message, or an internet advertisement. Don’t click on links or call phone numbers included in the message. The scammers behind these calls or messages are trying to trick you into revealing sensitive information.

If you get a message, implied from your bank or an account you hold with an organisation or service provider and you are concerned about your account status, call your genuine account holder directly only via genuine phone numbers and check your account. 
Do not ring the number or e-mail the contact details provided by the contact or e-mail.

Don’t play a foreign lottery.
In most countries it is illegal to play a foreign lottery. And yet messages that tout your chances of winning a foreign lottery, or messages that claim you’ve already won, can be tempting. Inevitably, you have to pay “taxes,” “fees,” or “customs duties” to collect your prize. If you must send money to receive your winnings, you have not won anything. If you do send money, you will lose it. You won’t get any of it back, regardless of promises or guarantees.

Don't open attachments in unsolicited e-mails or click on links within the e-mail.
Lots of e-mails are frequently sent in large batch mail-outs with harmful attachments or links to download/install, unknown to you, virus type software - under the guise of "something important..." and imply the details are in the attachment or link.

The scammer is relying on your curiosity or shock to open the attachment or link and see what it is about. 

Look out for these types of e-mails.  Some imply Invoices, Statements, Court Appearances, Government Fines, Purchase of something that you did not purchase, and a bucket of other subjects that will tempt or shock you into open the attachment.

The list of subject matters for these emails are dynamically growing as they invent new ideas to tempt or shock you into opening the attachment.

If there is an attachment or link within an unsolicited e-mail then DO NOT OPEN IT, resist temptation or curiosity. Just  delete the e-mail, it is a fake designed to do you or your system harm.....

Social Media Interactions
(a "Golden Resource" of data for SCAMMERS)

Facebook, Twitter and many other social media environments are also trawled for information about you and your friends.  There is no limit on how much information they can rapidly gather electronically about you and your associations and where you might have accounts with various service providers.

Please Note:
Whatever you share about yourself, your friends, your business liaisons etc through these environments is
 
GLOBAL PUBLIC KNOWLEDGE - which scammers will use against you in whatever way they can.
Social Media environments are not PRIVATE or just between you and your friends.

Please carefully consider what personal information you share in these environments - simple things like Date of Birth can void one of the safety checks that you could use to interrogate a SCAM attempt.  Remember any person from anywhere in the world can see everything that you publish in these social environments - even dating sites are frequently having their data stolen and distributed throughout the SCAM empire.

WARNING - Setting up Social Media for others to use...

Many people kindly assist others to set up a Social Media page (Facebook, Twitter etc) so that they can be in the loop with family and friends online. All done with the best of intentions and in goodwill.

However, if you set up a Social Media account for one of your loved ones such as your parents, grand parents, children or even friends then there is an added responsibility for this gift that we mostly overlook:

Warning them about the negative side of social media!

PLEASE spend some time advising them about the DANGERS of the internet and particularly about the predators and scams that they will (without doubt) encounter in these electronic environments.  One of the first things they should be pointed to is this web page so that they can be aware that it is not always a friendly or safe environment.

What was a generous and wonderful gift can quickly turn into a devastating nightmare for many. 


 



Phone Calls
SCAMS


ACCC reports Australians lost over $229 million to SCAMS in 2015.
See SCAMWATCH report. 
How many individuals and/or families have been devastated by these scams in 2015 alone....... ?
 

Only YOU can reduce this insidious stealing of your money - check and check again before you give money over the internet or phone to anyone.  Use great caution in regards to anyone demanding money immediately via any media.

NOTE:  Predominantly most Phone Scam Calls are generated within the Asian region and the caller is often limited in their English speaking capabilities and frequently hard to understand. However, many scam organisations are now recruiting internationally for their "Callers".   So always be on your guard.....  

Another good clue is that often the quality of the connection is poor because of the multi routing done trough various media's to reduce the chances of backtracking or identifying the callers true location.

Telephone Call from Telstra or other internet service provider -  implying "Your IP address has been HIJACKED" or some other "Fault" - They recommend you take urgent action - the caller will guide you through a sequence of tasks on your computer which will give them remote access to your machine and then infect your computer.  Then a demand for a large payment to recover your system. 

They will make various threats to get you to comply with their instructions - none of which they can actually do. 

THIS IS A SCAM
"RANSOMWARE" attempt - NOTE: they will not recover your system and will leave you computer corrupted and more importantly they will have stolen personal data from  your system.  Password, banking records, your e-mail records,  etc......

If you get a "Service Issue" call from ANY Service Providertell the caller that you will ring the service provider and hang up - DO NOT RING BACK ON ANY PHONE NUMBER THEY PROVIDE.  If you are concerned that it might have been a genuine call then get the Official Company Phone Number from a phone book  or off  the relevant Official  web site. 

Safety Check:  Ask the caller to provide your account number and your date of birth details - if they fail to do so or get the details wrong - HANG UP.

Tax Office impostors are winding up for yet another run of SCAM Phone calls pretending they are from the Tax Office - a plethora of different "issues you must resolve" - but all of them insisting on a Payment NOW to resolve the issue.  Implied dire consequences if you fail to comply immediately.  If you are concerned that it might be a real call - hang up on the SCAM caller - look up the phone number of the TAX Office in a phone book and ring them.

Safety Check:  Ask the caller to provide your Tax File Number and your date of birth details - if they fail to do so or get the details wrong - HANG UP.

REMEMBER - for any calls you receive about money matters.

It is important that you take control of the call - not be pushed or shocked into presuming that the call is genuine.  Before they get into full swing with their spiel ask a few questions to slow them down and force them to "validate" who they represent.

Example questions you could ask the caller:
(1) - what is my account number or Tax File Number?
(2) - what is my full name associated with this account?
(3) - what is my date of birth?

An inability to answer the above correctly will normally force them to terminate the call or highlight to you that you should terminate the call. 

Even if they get all answers correct - thank the caller for the call and tell them you will ring the relevant department personally.   Hang up and look up the phone number and ring to check the situation out.   If it was a genuine call then the caller will understand your caution and not be offended by you terminating the call.

ACCC advises that there is a massive  increase in Fake/False phone calls from supposed Government Agencies, TAX Office, Social Security, Centrelink, Grants Department, Solar Power Rebate etc - often demanding payments immediately or offering access to FREE Grant money depending on which agency they pretend to be representing. 

In particular the SCAM calls from agencies that declare you owe them money - tax debt, government overpayments - are very aggressive and intimidating.  Threats that police will arrive at your door within minutes to arrest you if you do not pay immediately.  They are very  assertive and threatening trying to scare you into reacting quickly and not give you a chance to question the process. 

If you don't have a credit card they will ask for you to pay with ITUNE cards (gift cards to buy music online from the ITune organisation - purchased at most shops) or any other form of Cash Gift Card -  and then you have to read out the numbers to them over the phone - you are definitely being scammed - no doubt about it - no government agency would ask for this payment method.

Government Agencies do not normally make these types of phone calls direct to you.  However, if you think it is a genuine call do the action recommended below - no Government Official will object to this method and will understand that you are being appropriately cautious in the matter.

Action recommended -
tell the caller that you will contact the relevant department yourself and then hang up on the caller - do not ring or email any contact references that the caller provides - even if it looks like an in-country phone number - look up the phone number in authorised publications or official web sites and contact the agency directly.

SCAM Phone calls are currently generating millions for the Scammer and it is very quick - they keep you on the phone until you have completed the payment necessary - giving you no chance to ring for advise or guidance - relying on you being terrified of the consequences they spell out.  Think about it logically - would the Police be sitting somewhere waiting for you to default on the payment and be there within minutes?


NOTE: You do not have to be polite or courteous with these callers - they are trying to steal your money!!!!

CONCLUSION           

SCAM runners work on our vulnerability. Targeting all of your emotional attributes ruthlessly . They work on a principle of mass distribution/contacts of the SCAM and even a 1% response can garner them millions - so they will never stop - they will be inventing new ways almost every day to steal your money.  No compassion or guilt - they know that they are targeting the vulnerable and rely on the victim’s human nature to trust others.   Stealing all of your money and destroying your future is of no consequence or concern to Scammers.

Scamming is a vast industry spread across countless countries - tens of thousands of scammers out there - ranging from one person scammers through to well funded large organisations employing considerable numbers of phone callers, mailers and web developers and very skilled IT professionals, all focused on ways to convince you to give them your money.  

The people that run these SCAMS are ruthlessly unethical and extremely well practices in the necessary communication skills to ensure that they can hit the right spots in your vulnerable areas.  Smooth, sophisticated and your "best friend ever" until they have taken as much as they can from you.   They are making millions and even then have no intentions of stopping. They are always seeking alternative methods to work effectively on your vulnerabilities. 

This is such a lucrative industry that many new scammers are joining the frenzy to get your money and new SCAMS are being created and old SCAMS are being rerun every day.   

Some are easily identified as being from an amateur and should be dismissed by the recipient. - Look for no name, no account number, typing or grammar errors, sent from strange, or unknown to you, e-mail addresses.  Many will simply have a dangerous attachment and pretend to be related to "invoice", "bill", "receipt", "fine", "statement" "court appearance"  or any other words that will tempt you to open the attachment out of curiosity.  DO NOT OPEN ANY ATTACHMENTS - Delete the mail.

Curiosity is a human vulnerability that scammers rely on and it can cost you thousands of dollars for just one wrong click of the mouse.

However, the professional scammers go to a great deal of effort to make the e-mail, or letterbox mail, look very authentic in relation to the service/organisation they are pretending to represent. The professionals will expect, and often exceed, a "response" in the thousands for each SCAM run.  And they are fully staffed to deal with these sorts of volumes.

It takes only a few moments of effort to dispatch millions of e-mails (using any "from" e-mail address they want) -  they frequently use other people's or companies e-mail addresses to send these e-mails.


 

Many SCAM Groups share your contact and financial details via "Sucker Listings" with other SCAM Groups so that they can also target you and your money with the working knowledge of information you shared with the previous scammer.  

These "Sucker Listings" also generate secondary SCAM waves of contacts by e-mail or phone promising to "Help you recover your scammed losses" - for an upfront fee. DISREGARD.  Do not give more money away trying to recover your original losses. They often pretend they are government, legal or police authorities. 

SCAMS target the world - not just Australians (which lost almost 230 million dollars in 2015 alone).  They have access to large international e-mail listings,  electronic phonebooks and many stolen account details from thousands of legitimate organisations who do not have the necessary Security to protect their client data. 

The important thing to understand is that anything that comes to you unsolicited - by Phone, Letterbox Mail or e-Mail - is most likely a SCAM  - Anything that has an attachment or link to another site  implying that you owe money or have won a gift, a prize, a financial windfall, an inheritance, great investment opportunity,  a secret bank deal etc.  Treat with caution - do not open the attachments or click on any links within the e-mail and do not contact the e-mail sender

Contacting the sender opens a link between you and them and they will be relentless in their pursuit to steal your money.

Note:  I have a wide range of e-mail accounts for various legitimate business and personal reasons which are set up on different service providers in different countries - every day I rely on specialist internet tools to automatically clear hundreds of e-mails from my accounts (unread) - even then some get past the automatic filters therefore I still have to be vigilant.  And yes, occasionally  I receive  scam mail sent to me, and countless other recipients,  pretending to be via one of my own e-mail accounts.

Opening an e-mail attachment or clicking on a link within an
e-mail could cost you thousands of dollars !!!

No one can help you recover your money if you have send money overseas  to a SCAM.  Police throughout the world have only been able to pin down a tiny fraction of the SCAMMERS out there as these SCAMMERS are almost invisible and untraceable via electronic means - they have no real address or real names and  move or change electronic trails and bank accounts (where your money went) on an almost daily basis.  Very BIG money is involved and possible corruption being used to ensures protection of the SCAMMER groups.  

Trust is natural for most of us - however, over the internet you have absolutely no idea who you are really dealing with - particularly via Social Media or SCAMS - artificial/fake accounts can be easily created - fake identities, fake addresses, fake pictures,  fake web sites, fake e-mail addresses, fake product reviews,  - and very well rehearsed methods to steal money from victims. 

For internet social interactions/liaisons the same rules apply - if someone asks you for money for any reason then you will most likely be giving it away to a SCAMMER - do not send money to someone your really do not know..........even if you think you might know them you are at risk as they can pretend to be anyone from anywhere.  Most genuine friends would not ask you for large sums of money particularly to be sent across international boundaries.

No matter what the sad story is or the relationship established between you and them, consider very carefully about sending money to someone overseas.  Be aware that every day there are MANY thousands of professional social network scammers prowling the social media sites for victims and even more amateur scammers who will steal money from you “to assist” them in some way.  The moment "send money" is mentioned within a social media liaison then you are most likely being SCAMMED.

Sadly we must all learn to DISTRUST FIRST - question everything before we commit our money to anything - not pleasant, but in the ever present, sophisticated and highly active SCAM environment it is now a fact of life.

Just one more time:  DO NOT GIVE MONEY TO SOMEONE YOU DO NOT KNOW.  Please protect yourself and your money - once given away it can never be recovered..

IT IS WISE TO GET A SECOND OPINION BEFORE YOU COMMIT
ASK A FAMILY MEMBER OR FRIEND
NO MATTER HOW URGENT THE SCAMMER IMPLIES IT IS!
 YOU SHOULD ALWAYS TAKE THE TIME TO GET AT LEAST
ONE OTHER PERSON'S OPINION.

NEVER FAVOUR THE SCAMMER'S STATEMENTS AGAINST PERSONAL INPUT
FROM
FAMILY AND FRIENDS


Warn your friends and Families about SCAMS

NEW SCAMS and NEWS

SMS Phone Message from a Hit Man
This is a new one for you all - and  unbelievably some people are falling for it.      Scammers are sending SMS messages to mobile phone accounts advising you that "a contract has been taken out to kill you", however, the sender will not kill you if you pay several thousand dollars NOW.  This has to be the most moronic and stupidest scam that I have ever heard.  From a Hit Man that is prepared to take a bribe (at a small fraction of the HIT contract price)  to not do a hit.

Sorry had to list this here as it appears that some people are actually paying the "fee".

WARNING - Credit Card Details when getting Quotes

EXAMPLE:  YOUI Insurance Malpractices

Apparently the YOUI insurance company needs your credit card details when you are seeking a quote for insurance - a plethora of reasons offered and absolute assurances that those details will not be used unless you accept and proceed with the quote. 

However, it is alleged, via many public complaints, that YOUI, without consent, have commence deductions against your credit cards for a policy they fabricate and process when you were only seeking a quote.  

Some whistleblowers within YOUI advise that some quote requests are processed as a Policy Acceptance.  They have also made it known that some of their policies are created with intentionally modified details of the insured items to reduced cost of the policy quote. For Example:  change the colour of a vehicle to a higher visibility colour which has a reduced risk of accidents rate.

However,  if you need to claim against that policy your claim will be rejected as the claim will not fit the description within the insurance policy.

YOUI allegedly pays bonuses to staff based on policies sold and rewards staff for outselling other staff - this builds a dangerously competitive environment which encourages fraudulent and aggressive activities to "make the sale".

YOUI's in house management procedures and possibly alleged criminal methodologies demonstrate clearly the hazards of  giving your credit card details when you are only seeking a QUOTE for services. 

There is absolutely no reason why you should provide Credit Card Details when seeking a QUOTE for anything. 

Addendum: 
YOUI insurer is now under investigation by the Australian Investment and Securities Commission (ASIC), according to a Fairfax report which was triggered by the media company’s own investigation.
Youi’s New Zealand arm pleaded guilty to misconduct charges filed by the New Zealand Commerce Commission this month, and the Insurance Council of New Zealand (ICNZ) said it would consider whether to terminate Youi’s membership at its next board meeting.
Recommendations have also been made regarding a Senate Inquiry into YOUI practices in Australia.


CHECK FOR REVIEWS BEFORE GIVING YOUR CREDIT CARD DETAILS
Ensure that the reviews are not from the organisation you are dealing with.

WARNING - Pretend "Service Provider" e-mails

There is a new trend now growing rapidly of sending e-mails pretending to be a service provider such as Internet Service Providers, Streaming (Movies) Providers, Power, Water and Telecommunication providers, countless business entities/organisations and even Government agencies. 

They send excellent clone e-mails that often suggest a denial of service or change of service and request you to log into "your account" via a link in the e-mail and resolve the "issue".  Implying that it is important that you "logon" as quickly as possible.

If you follow the link within the e-mail then you will be taken to a 'mock up' site that is a very good clone of the service providers home site - but designed to capture all of the relevant data you enter: logins, passwords, credit card details, account details etc.   Then it is open slather with your Credit Card and even abuse/share your account info with others.

Safety Check:  The SCAMMER does not know your account details for the service provider you use - often correspondences is address to "Client" or some other ambiguous name.  If the correspondence does not have your correct title, surname and does not mention your account number it is most likely a scam e-mail.

WARNING - e-mail fraud continue to flourish..

The incidents are increasing rapidly in regards to emails with attachments and links that are actually pathways to a hidden virus or ransomware programs.  Amateurs and Professional are now sending hundreds of these types of SCAMS every day - filling everyone's e-mail accounts with dangerous "junk".

Often e-mails about credit card cancellations, denial of service or problem with one of your service providers or banks, fines from government agencies, Product purchases and a plethora of other subjects trying to get you to open the dangerous attachment.

If the attachment is opened or a link within the e-mail followed then it will infect your system and corrupt ALL of your files.  Many of these programs will then advise you to contact someone to "recover" your corrupt files. 

They will demand payment to  "fix" your system - hence the name RANSOMWARE.   After payment, their gone, no fix provided - just gone - phone number or e-mail no longer responds. 

They also have a tendency to use "from" email addresses that may be an address that you know and trust.  They can pretend that they are from companies you are familiar with and can even use your families or friends email addresses gleaned from information in your Facebook or Twitter pages. 

NOTE: The sender can use any e-mail address they choose - very easy to do and impossible to trace back to the true dispatcher.   

If you receive an unsolicited e-mail from anyone with an attachment (document, image or file) or a link to somewhere else with a recommendation you open it then the risks are high.

 
Don't believe everything you read or hear when it comes to money matters. USE CAUTION - seriously consider the consequences of opening an attachments or following a link as most anti virus programs cannot  pre-detect a ransomeware program which only becomes active if you open the attachment - then it is too late........ 

A possible clue to a bad attachment or link would be that they will not have your name or other details in the correspondence, particularly your account number,  which all service providers include in their business e-mails. 

But, by the shear volume they send out, they only have to get a few to panic and click through on the links to make buckets of money every time someone opens the dangerous RANSOMWARE attachment. 

SCAM Fake Gift Cards offers

Scammers are using fake gift card promotions to trick consumers into handing over their personal information such as banking details or passwords, which are later used to steal your money or your identity, or to on-sell to other scammers.  See:  ACCC Scamwatch details at: Scamwatch

WARNING - Social Media Abuse Escalating

Over $22 million lost by Australians to dating scams during 2015 - This information is validated by SCAMWATCH for Australians who have been scammed via Dating Service sites - and that is only the ones that have been reported.

RANSOMWARE hits are up 3000% on last year.
News reports of massive increases on the number of people being caught with RANSOMWARE scams - (EMAIL with attachments and/or links) You can only get caught when/if you "clicks to open" an attachment or link within a dodgy e-mail
Please protect yourself - Do Not OPEN attachments or links associated with e-mails.   

 

If you would more information on the services and support that the Cardiff NSW RSL Sub Branch provides for past and present service personnel and their families please click on image to the left.


 




Always Beware
Misplaced Trust will COST YOU financially  and emotionally.

Brought to you by the Cardiff NSW RSL Sub Branch of Australia
http://www.cardiff-rsl.com
Provided as a civic duty to our visitors, members and patrons to assist them in identifying SCAMS being perpetrated on us all.


The vermin of the internet - their sole objective is to trick  you into giving them your money.

Their intentions are to take every dollar you have irrespective of the consequences to you and your family.
 

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This information is provided for visitors and patrons of this site as a Civic Service to help them
avoid financial abuse by SCAMS
Information gathered via research and presented here as a concise resource for your assistance.
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www.cardiff-rsl.com/scam-information.htm  are welcome.
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AND FRIENDS ABOUT THIS WEB PAGE.

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                         This web site is the property of the Cardiff  RSL NSW Sub Branch - Corner of Munibung Rd and Macquarie Road Cardiff  NSW Australia
                           Artwork on this web site is copyright to the RSL organisation, RSL NSW, Cardiff RSL, Australian Defence Forces and Garry J. Smith
                              Developed by Garry J. Smith (web-developer@cardiff-rsl.com)  for the Cardiff RSL Sub Branch (cardiffrslsubbranch@bigpond.com)