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.
SCAMS, the scammers will tap into your vulnerabilities. Be it trust, fear,
loneliness, compassion, curiosity, greed or just about every other emotion
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
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."
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:
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:
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
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.
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
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.
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.
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
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.
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.
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
work hard and have long hours, but they are paid very well in comparison to the
majority of others working in their home country.
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.
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
CHECK FOR REVIEWS BEFORE GIVING YOUR CREDIT
Ensure that the reviews are not from the organisation you are dealing with.
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.
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
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.
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
Investment and Gambling Schemes have fake web sites
fake reviews highlighting the
purported outstanding success of their particular schemes.
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
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
Never ring a phone number contained in the e-mail or e-mail the sender -
DELETE the e-mail
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
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.
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
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
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.
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
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
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
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....
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.
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
Credit Cards with unknown people or an unknown organisation is a hazardous risk.
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.
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
TOTAL ACCESS TO
EVERYTHING on your computer.
There are three possible
(1) the instructions you
key in will allow them access to your computer and they will find all passwords,
financial 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
(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.
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
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.
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.
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.....
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
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
Do not ring the number or e-mail the
contact details provided by the contact or e-mail.
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.
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
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
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
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.
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
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
ACCC reports Australians lost over $229
million to SCAMS in 2015.
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.
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
you through a sequence of tasks on your computer which will give them
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 Provider- tell 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
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.
- for any calls you receive about
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
(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 -
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
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!!!!
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
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
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.
"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.
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.
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 -
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
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
Warn your friends and Families about SCAMS
NEW SCAMS and NEWS
Phone Message from a Hit Man
This is a new one for you all - and
unbelievably some people are falling for it. Scammers
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".
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
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
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
Ensure that the reviews are not from the organisation you are dealing with.
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
Implying that it is important that you "logon" as quickly
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
does not mention your account number it is most likely a scam e-mail.
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
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
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
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.
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:
Media Abuse Escalating
Over $22 million lost by Australians to dating scams
during 2015 - This
information is validated by
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
If you would more information on the services and support that the
RSL Sub Branch provides for past and
present service personnel and their families please click on image to the left.