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Fraud Prevention

Navigating the Murky Waters of Deception: Understanding the SAVE Act and the Fight Against Fraud & Scams

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In an era defined by rapid technological advancement and increasingly sophisticated methods of deception, the battle against fraud and scams has become more critical than ever. Legislators and regulatory bodies are constantly striving to create and update frameworks to protect citizens from financial exploitation and deceptive practices. Among these efforts, the term “SAVE Act” has emerged, but it’s crucial to understand that this acronym can refer to different pieces of legislation, each addressing distinct, though equally important, societal challenges.

This article delves into the landscape of fraud and scam prevention, focusing primarily on the Fraud and Scam Reduction Act, often referred to as the SAVE Act in discussions related to consumer protection. We will also briefly touch upon the Safeguard American Voter Eligibility (SAVE) Act, a separate piece of legislation focused on election integrity, to clarify potential confusion and provide a comprehensive understanding of the current legislative environment. Understanding these acts is vital for consumers, businesses, and anyone seeking to navigate the complex world of fraud prevention and civic responsibility.

The Fraud and Scam Reduction Act: A Shield Against Deception

The Fraud and Scam Reduction Act, officially titled “Pub. L. No. 117-103, 136 Stat. 49, Division Q, Title I, §§ 101-122”, and enforced by the Federal Trade Commission (FTC), is a significant piece of legislation aimed at bolstering the fight against fraudulent schemes, particularly those preying on vulnerable populations, especially seniors. Signed into law to address the escalating issue of consumer fraud, this act recognizes the devastating impact scams can have on individuals and the economy.

Key Provisions and Objectives:

The Fraud and Scam Reduction Act is multifaceted, establishing key structures and mandates designed to enhance awareness, prevention, and combatting of fraudulent activities. At its core, the Act seeks to:

  • Raise Awareness: A central tenet of the Act is to significantly increase public awareness regarding fraud and scams. This includes educating consumers, particularly seniors, about the prevalent types of scams, red flags to watch out for, and resources available for reporting and seeking help. Effective awareness campaigns are crucial in empowering individuals to recognize and avoid falling victim to deceptive schemes.
  • Identify and Combat Schemes: Beyond awareness, the Act aims to improve the identification and active combatting of fraudulent schemes. This involves studying existing scams, understanding emerging trends, and developing proactive strategies to disrupt and dismantle these operations. This requires collaboration between government agencies, industry stakeholders, and law enforcement to stay ahead of evolving scam tactics.
  • Protect Vulnerable Populations, Especially Seniors: A primary focus of the Fraud and Scam Reduction Act is the protection of seniors. Older adults are often disproportionately targeted by fraudsters due to factors such as accumulated savings, potential cognitive vulnerabilities, and a sense of trust. The Act specifically mandates measures to address scams targeting this demographic, recognizing the particularly devastating financial and emotional impact these schemes can have on seniors.

Establishment of Key Bodies:

To achieve these objectives, the Fraud and Scam Reduction Act establishes two critical bodies:

  1. Senior Scams Prevention Advisory Group: This advisory group is a cornerstone of the Act, composed of representatives from both government and industry. Its primary task is to meticulously study and upgrade existing educational materials designed to prevent scams targeting seniors. This group serves as a central hub for expertise and collaboration, ensuring that educational resources are relevant, up-to-date, and effectively disseminated to the senior population. The advisory group’s work is crucial in ensuring that prevention efforts are informed by the latest scam trends and best practices in education and outreach.
  2. Office for the Prevention of Fraud Targeting Seniors: Within the Bureau of Consumer Protection at the FTC, the Act establishes a dedicated Office for the Prevention of Fraud Targeting Seniors. This office is specifically charged with several key responsibilities:
    • Oversight of Fraud Targeting Seniors: The office plays a crucial role in monitoring and overseeing the landscape of fraud targeting seniors. This involves tracking trends, analyzing complaint data, and identifying emerging threats to ensure that the FTC’s efforts are focused and effective.
    • Coordination with Relevant Agencies: Combating fraud requires a multi-pronged approach. This office is mandated to coordinate with other relevant government agencies, fostering collaboration and information sharing to create a unified front against scams targeting seniors. This inter-agency cooperation is essential for maximizing resources and impact.
    • Dissemination of Educational Materials: A core function of the office is to actively disseminate educational materials concerning fraud targeting seniors. This involves developing and distributing resources through various channels to reach seniors where they are, whether online, in community centers, or through trusted intermediaries. Effective dissemination is key to ensuring that awareness campaigns reach the intended audience.
    • Logging Complaints of Fraud Targeting Seniors: The office serves as a central point for logging complaints of fraud specifically targeting seniors. This centralized complaint logging system is vital for data collection and analysis, allowing the FTC to identify patterns, track scam trends, and inform enforcement and prevention strategies.

The Urgency of Addressing Senior Scams:

The specific focus on senior scams within the Fraud and Scam Reduction Act underscores the particular vulnerability of older adults to these deceptive practices. Several factors contribute to this vulnerability:

  • Accumulated Savings: Seniors often possess accumulated savings and retirement funds, making them attractive targets for fraudsters seeking significant financial gain.
  • Cognitive Vulnerabilities: Age-related cognitive decline can sometimes make seniors more susceptible to manipulation and less able to recognize sophisticated scams.
  • Social Isolation and Loneliness: Scammers often exploit feelings of loneliness and isolation in seniors, using emotional manipulation to gain trust and extract money.
  • Trust and Politeness: Seniors may be more trusting and polite, making them less likely to question authority figures or high-pressure sales tactics employed by scammers.

The consequences of senior scams can be devastating, leading to significant financial losses, emotional distress, and a diminished sense of security and independence. The Fraud and Scam Reduction Act represents a crucial step in acknowledging and addressing this critical issue.

Clarifying the “Other” SAVE Act: Voter Eligibility and Election Integrity

While the Fraud and Scam Reduction Act focuses on consumer protection and combating fraud, it is essential to distinguish it from another piece of legislation that has also been referred to as the “SAVE Act“: the Safeguard American Voter Eligibility (SAVE) Act. This act, primarily discussed in the context of election law and voter registration, addresses a completely different set of concerns.

The Safeguard American Voter Eligibility (SAVE) Act (H.R. 22):

This SAVE Act, often associated with discussions about voter integrity and election security, focuses on ensuring that only eligible citizens participate in federal elections. Its key provisions center around:

  • Documentary Proof of Citizenship for Voter Registration: A central component of this act is the requirement for individuals to present documentary proof of U.S. citizenship when registering to vote. Acceptable documents typically include birth certificates, passports, or naturalization certificates. This provision aims to strengthen the verification process and prevent non-citizens from registering to vote.
  • In-Person Documentation Requirement: The SAVE Act, in some interpretations, mandates that this documentary proof be presented in person when registering to vote or updating voter registration information. This aspect has raised concerns about potentially eliminating or significantly hindering mail-in and online voter registration options, which are relied upon by millions of Americans.
  • Voter Roll Purges: The act also includes provisions related to more frequent voter roll purges, aimed at removing ineligible voters from registration lists. However, concerns have been raised that these purges could be based on faulty data and lead to the erroneous removal of eligible citizens, disenfranchising legitimate voters.
  • Penalties for Election Workers: Controversially, the SAVE Act, in certain versions, proposes criminal penalties for election workers who assist in registering individuals without the required documentation, even if the registered voter is a citizen. This has been criticized as potentially deterring election officials from effectively carrying out their duties and hindering voter registration efforts.

Controversy and Concerns Surrounding the Voter Eligibility SAVE Act:

The Safeguard American Voter Eligibility (SAVE) Act has generated significant controversy and opposition, with critics arguing that it would create unnecessary barriers to voting and disproportionately disenfranchise eligible citizens. Key concerns include:

  • Disenfranchisement of Millions: Opponents argue that requiring documentary proof of citizenship for voter registration would disenfranchise millions of eligible American citizens who may lack easy access to the required documents. Statistics cited by organizations like the ACLU and the Center for American Progress suggest that over 21 million Americans may not possess readily available proof of citizenship, particularly marginalized communities, people of color, naturalized citizens, young and elderly voters, and individuals with lower incomes.
  • Impact on Voter Registration Methods: The in-person documentation requirement is seen as a direct attack on mail-in and online voter registration, methods that have significantly expanded voter access and participation. Eliminating or hindering these options would disproportionately impact voters who rely on these convenient and accessible registration methods.
  • Erroneous Voter Purges: Concerns exist that the mandated voter roll purges could lead to the removal of eligible voters based on inaccurate data, mirroring past instances where faulty purges have disenfranchised legitimate voters.
  • Undermining Election Administration: The proposed penalties for election workers are seen as unduly burdensome and potentially chilling, discouraging individuals from serving as election officials and hindering voter registration drives.

Distinguishing Between the Two “SAVE Acts”:

It is crucial to recognize that the Fraud and Scam Reduction Act and the Safeguard American Voter Eligibility (SAVE) Act are distinct pieces of legislation addressing entirely different issues. While both may be referred to as “SAVE Act” in certain contexts, their objectives and impacts are vastly different.

  • Fraud and Scam Reduction Act: Focuses on consumer protection, combating fraud and scams, particularly those targeting seniors, through awareness, prevention, and enforcement measures. It is generally viewed as a positive step towards protecting vulnerable populations from financial exploitation.
  • Safeguard American Voter Eligibility (SAVE) Act: Focuses on election integrity and voter eligibility, aiming to prevent non-citizen voting by requiring documentary proof of citizenship for voter registration. It is highly controversial, with critics arguing it would disenfranchise millions of eligible voters and create unnecessary barriers to democratic participation.

The Broader Fight Against Fraud and Scams in the Digital Age:

Regardless of the specific legislation, the overarching fight against fraud and scams remains a pressing concern in today’s digital age. The internet and technological advancements have created new avenues for fraudulent activities, making scams more sophisticated and widespread.

Current Trends in Fraud and Scams:

  • Online Scams: The internet has become a breeding ground for various scams, including phishing emails, fake websites, online shopping fraud, and cryptocurrency scams. These schemes often exploit the anonymity and global reach of the internet to target victims across geographical boundaries.
  • Phone Scams: Robocalls and phone scams remain prevalent, with fraudsters using sophisticated techniques to spoof caller IDs and impersonate government agencies or legitimate businesses. These scams often employ high-pressure tactics and emotional manipulation to coerce victims into sending money or providing personal information.
  • Social Media Scams: Social media platforms have also become fertile ground for scams, including romance scams, investment scams, and fake giveaways. Scammers leverage social media’s vast user base and personal information to target victims with tailored and convincing schemes.
  • Identity Theft: The theft of personal information for fraudulent purposes remains a major concern, with scammers using stolen identities to open credit accounts, file taxes, and access financial resources. Data breaches and online vulnerabilities contribute to the ongoing threat of identity theft.
  • Cryptocurrency Scams: The rise of cryptocurrencies has created new opportunities for fraud, with scams ranging from Ponzi schemes and rug pulls to fake cryptocurrency exchanges and investment opportunities. The decentralized and often unregulated nature of cryptocurrency markets can make it challenging to recover losses from these scams.

The Importance of Consumer Education and Awareness:

In this evolving landscape of fraud and scams, consumer education and awareness are paramount. Empowering individuals with the knowledge and tools to recognize and avoid scams is the first line of defense. Key aspects of consumer education include:

  • Recognizing Red Flags: Educating consumers about common red flags associated with scams, such as unsolicited requests for money, high-pressure tactics, requests for personal information, and promises of unrealistic returns.
  • Staying Informed about Scam Trends: Keeping consumers informed about the latest scam trends and tactics through public awareness campaigns, media coverage, and educational resources from organizations like the FTC and consumer protection agencies.
  • Utilizing Available Resources: Promoting awareness of resources available to consumers who have been targeted by scams, including reporting mechanisms to the FTC and law enforcement, and support services for victims of fraud.
  • Promoting Critical Thinking and Skepticism: Encouraging consumers to adopt a critical and skeptical mindset when encountering unfamiliar requests or offers, especially those involving financial transactions or personal information.

A Multi-Front Battle Against Deception

The fight against fraud and scams is a continuous and evolving battle that requires a multi-faceted approach. Legislative efforts like the Fraud and Scam Reduction Act are crucial in establishing frameworks for prevention, enforcement, and victim support. However, legislation alone is not sufficient. Effective consumer education, industry collaboration, and technological advancements in fraud detection and prevention are equally vital in mitigating the impact of these deceptive practices.

While the Safeguard American Voter Eligibility (SAVE) Act addresses a separate, yet important, aspect of civic responsibility – election integrity – it is essential to distinguish it from the consumer protection focus of the Fraud and Scam Reduction Act. Both “SAVE Acts” highlight the ongoing efforts to safeguard critical aspects of society, whether it be protecting citizens from financial exploitation or ensuring the integrity of democratic processes.

Ultimately, a comprehensive approach that combines legislative action, public awareness, and technological innovation is essential to navigate the murky waters of deception and protect individuals and society from the pervasive threat of fraud and scams in the 21st century and beyond. Staying informed, vigilant, and proactive is the best defense in this ongoing battle.

Fraud, Scams Ways

Personal Fraud Continues to Strike Many Unsuspecting Victims – Know How to Spot a Risky Situation

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According to the Australian Bureau of Statistics, 1 in 4 people are targeted by internet fraud each year and a whopping 800,000 people fall victim to these scams.

It is becoming increasingly important for consumers to be aware of the many ways that they can be defrauded. Fraudsters are becoming ever more cunning as they continue to find new ways to prey on and catch out innocent and unsuspecting customers.

Personal Fraud

Some of the most common types of personal fraud to be aware of include:

  • Credit or bank card fraud – the unauthorised use of a credit or bank card.
  • Identity theft – the theft and fraudulent use of personal details or documents such as passports, tax file numbers and drivers’ licences, all of which can be used to conduct business or open new accounts in another person’s name.
  • Lottery – usually a scam by which a person is told that they have won a lottery that they didn’t enter. The “winner” is then asked to provide personal information in order to prove their identity and/or send a fee or bank account details in order to get the prize.
  • Phishing and related scams – a fraudulent request whereby the fraudster pretends to be from a business or a bank and asks the consumer to confirm various personal details such as bank account numbers and credit card details. This can be done through a variety of mediums such as post, in person, calling your landline or mobile telephone, with email and instant messaging usually the most common.
  • Financial advice – unsolicited fraudulent financial advice can include offers such as investment seminars, real estate scams, share promotion or telemarketing or other similar tactics.
  • Advance fee fraud – an unwelcome request to transfer money into a person’s bank account. It is usually accompanied by an elaborate or dramatic story which concludes with requesting the respondent’s assistance and account details in order to facilitate the transfer of a large sum of money. This request is normally coupled with a promise of a commission or fee for the respondent’s assistance with the transaction but instead funds are illegally withdrawn from the respondent’s account.

There are some simple practices that you can employ that will help to keep your personal details safe and minimise the risk of falling victim to personal fraud. Some such practices include:

  1.  Use a locked mailbox to send and receive all mail
  2.  Purchase and use a shredder when throwing away documentation such as financial statements, pre-approved credit applications and any tax related forms of correspondence.
  3.  When using popular public networking sites like Facebook and MySpace limit your personal information disclosure as your details can be easily extracted from these platforms and used to steal your identity for criminal purposes.
  4.  If and when you receive credit cards from your financial institution sign them as soon as you receive them.
  5.  Regularly monitor your bank and credit card statements for any incorrect transactions or any irregular debits and promptly report these to the relevant organisation.
  6.  Avoid using public computers, especially for accessing financial information, as they may contain viruses that can capture your personal banking details.
  7.  Install and regularly update security software on your personal and work computer such as personal firewalls, virus and anti-spy protection.
  8.  Generally speaking, it is best to ignore any spam email that is generated from unfamiliar addresses.
  9.  Change your various electronic passwords regularly. This includes PINs, online banking logins and email account passwords.
  10.  Keep your wits about you and logically assess the details of the request or offer before providing your details to any unfamiliar third parties. If necessary, seek professional advice.

As the world moves to using the computer and the internet for more and more aspects of life – from communicating and banking to shopping and searching – fraudsters are constantly developing more sinister and devious ways to capture unsuspecting targets along with still utilising the more traditional methods. Subscribing to the common adage of “If it seems too good to be true, it probably is” could serve you well here. Ask yourself seriously, if it is actually probable that you are the sole heir to a $33 million African fortune, for example.

If you suspect that you may have unfortunately fallen victim to an act of personal fraud please contact us on Report Fraud or  submit an online enquiry. Additionally, please do not hesitate to contact us if you would like more information on how to better protect yourself from becoming a victim of personal fraud. We can help you to ensure that you have the correct procedures in place to protect you and your family’s hard earned money.

Fraud, Mortgage

How to Avoid Mortgage Foreclosure Scam

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Are you facing problems with mortgage payments? Is your house slipping away from your hands? According to the data from RealtyTrac, more than one million homeowners have faced foreclosure this year, 27% more than this time last year. The following basic tips will help you to avoid mortgage foreclosure scam before it happens:

  • Do not ignore your problem.- Before making any decision of mortgaging your property you must know the mortgage rights.
  • Be on guard by reviewing your finances and see where you can cut your spending to be able to make your mortgage payments regularly.
  • Pay your mortgage debts before any other household expenditure or credit cards’ payments or unsecured debts.
  • When you are not able to pay your mortgage payments use your assets. You can sell your car, jewelry or a whole life insurance policy to help you reinstate your loan.
  • Preserve your good credit. As your future ability to purchase item, property or rent requires a credit check. Keeping your credit rating from getting blemishes is very important.

Besides the above-mentioned basic tips the Federal Housing Administration, US Department of Housing and Urban Development have recently framed out the following guidelines:

Immediately contact a house-counseling agency if you are not comfortable to talk with your lender. Most FHA counselors are free of cost or cost very little. A counselor can help you review your financial situation, learn which workout arrangement is suitable for your family, protects you from future credit problems, provides you information on services and programs available in your area.

Determine the ideal options available and negotiate with your lender.

Contact your lender as soon as possible. A lender will help you prepare a budget plan to ensure that you meet your monthly payments and see that you follow it strictly. This plan will show how much money is available to meet your mortgage payments. Do not hide any form of information from your lender. Make sure you read all the mails and letters send to you.

FHA loans also provide alternatives and ways for borrowers to get help. These loans include mortgage modifications, special forbearances allowances, and other actions you can take to avoid foreclosure. Your lender has to follow FHA servicing guideline and regulation when it comes to dealing with FHA loans. You can report to the FHA’s National servicing Center if the lender is not responsive.

Explore loan workout solutions with your lender when your problem is temporary. If it appears that your situation is long-term or will permanently affect your ability to bring your account current, if keeping your home is not an option, your lender will be willing to discuss and make arrangements to bring your loan current.

A forbearance option is often combined with a reinstatement when you know you will have enough money to pay, to bring the account current at a given date. The money may be from a hiring bonus, investment, insurance settlement, or tax refund. You can also make an agreement to pay the portion of the past dues plus your regular monthly payment each month until you are caught up.

One should be very careful with predatory lending schemes, as there are many frauds that will try to deceive you. Borrowers facing unemployment and or foreclosure are targets of predatory lenders because here the borrowers are desperate to find any solution.

Fraud, White-Collar Crime

Cyber Frauds – Meaning, Definition and Preventive Measures

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Technological advancements have always been a boon and a bane for human kind. There are always some people who misuse and exploit technology and create serious problems for the rest of the population. One such invention is the computer that has become an integral part of each person’s life in the recent years.

There is a growing dependence on the computers not only by the common man but also by almost all commercial and professional agencies. It is widely used by the security and intelligence forces as well as research centers. The widespread use of this device has also led to a wider misuse and abuse of the facility. The invention of computers and the continuous up gradation of the same has opened new avenues to scamsters and fraudulent people. The abuse of computer and the related electronic media has led to the emergence of a gamut of crimes that have very peculiar features.

Definition of Cyber Scams and Crimes:

Cyber scams can be effectively defined as “unlawful acts wherein the equipment transforming the information be it a computer or a mobile is either a tool or target or both.” It can also be referred as “A crime in which the perpetrator develops a scheme using one or more elements of the internet to deprive a person of property or any interest, estate, or right by a false representation of a matter of fact, whether by providing misleading information or by concealment of information.”

Cyber crime refers to any crime that involves a computer and a network. More precisely it refers to the criminal exploitation of the internet. Another definition of cyber crime refers to it thus; “Online theft of credit card number, expiration date, and other information for criminal use is cyber fraud.” It can be also defined as any type of intentional deception that involves the internet. This can include the frauds and scams that occur in the chat rooms, message boards, and fake web sites and also through emails. It usually occurs in the form of deceitful solicitations and fraudulent transactions.

Significance of Cyber Crime:

Cyber scams are emerging as a real threat to the users and have become high-profile in their nature. They can be encompass all aspects of the individual’s life and include unlawful acts like hacking, copyright infringement, invasion of privacy, child pornography as well. These crimes have a lasting effect on the victims, especially so if identification or personal information about finances is involved. At times it becomes really difficult to prove the identity of a specific perpetrator of the crime which can impact negatively on the user.

Types of Computer Crimes or Scams:

There are a host of illegal activities that come under the purview of computer crime but more broadly, it can be divided in to two classifications: Crimes that directly target computer networks or devices and secondly, scams facilitated by computer networks targeting any user that is independent of the perpetrator of the scam.

Preventive Measures:

Most scams are done through e-mails. This method is very effective as the user is enticed to provide critical information like usernames, passwords, credit card information or other types of vital information. There are still other methods of cyber frauds which are on the internet itself. To escape from such scams one needs to follow some basic things and pay attention to preventive measures like:

  • Never send money to people who have contacted you on e-mail or for that matter on the internet itself ;
  • Never disclose your identity and vital financial information to strangers;
  • Never reply to links from organizations of which you are not a member of;
  • Never reply or click on to the link that declares that you are the winner for some kind of lottery or competition which you had never been a part of
Fraud, Nigerian 419

How To Avoiding An Asset Protection Scam?

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People don’t complete these workshops together with propose you can’t show up at such workshops in the event the theme comes with everything about ocean going utility cover, ocean going trusts, ocean going depositing, ocean going cosmetic foundations, and everything ocean going finance linked.

With Compact country of Panama laughs are frequently produced approximately a lot of these workshops considering many of them come about with Compact country of panama. You can’t fully understand which additional people frequenting a lot of these workshops along with being well-known to find most people filming that people using old cameras together with conversing amongst each other applying microphones in place their own clothing masturbator sleeves. Are generally that they workshop safety measures most people, lodging safety measures and something different, people have no idea of? For any we realize people may be intending blackmail and kidnap workshop people. Kidnapping together with blackmail are generally uncommon situations with Compact country of panama nevertheless many of these workshops come about with South america and also other hi-risk areas. Imagine i am joking, you better think again. Pick how come so you see these Nigerian finance scams inside your inbox? As they succeed, clients.

How To Avoiding An Asset Protection Scam

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A lot of these workshops get most people pushing dividends on the mastered expense balances with across 100% per annum. In the event the fellow can be so superior how come your dog ought to show up at a lot of these workshops together with that’s that dealing even though he or she is playing around working at workshops repetitions 12 months as with can you imagine if sales will do a leading change even though he or she is for a workshop, discover why.

The costs loaded with regard to solutions enjoy businesses are frequently 3 to 5 circumstances above precisely what they must be. In many cases precisely what is increasingly being known are generally mad rely on linked scams and alternative party depositing scams that always possess a poor finishing. That workshop brands, that speaker systems together with suppliers with product together with solutions may not be attorney, there is absolutely no personal injury attorney clientele freedom together with a lot of these workshop people which obtain these rely on that they with fecal material their own finance lifetime just about all good authority with providing some sort of workshop. Any sort of supporter with the comprehensive criminal history may well employ some sort of lodging, create flyers, shop for e-mail lists, send literature, demand $5000 or higher to get a 7 days allow some sort of workshop. A lot of these workshops possess a substantial ballyhoo using recommendations, comments, or anything else. just about all really regulated surroundings, people regulate ones surroundings. Recommendations he standing on some sort of period talking with 100s of most people : the affected individual has to know precisely what they’re just dealing with, your dog provides tapes, booklet or anything else. which means that your dog ought to be terrific. Attorneys which were superior together with competent at utility cover don´ longer enjoy the time for you to bypass working at workshops. They also have options for safeguarding shoppers means they will won’t access some sort of period together with sent out to your workshop crowd and distribute within a booklet, information sheet, or anything else.

The majority workshop brands distribute some sort of information sheet to obtain authority and then a information sheet fails to allow you to be a consultant. A person with a pc may well generate some sort of information sheet. People these are typically very skilled internet marketing men and women that recognize how to increase workshops, distribute product or service. The vast majority of precisely what people distribute is usually badly assembled untested utility cover scam- buildings that will demand that you invest copious amounts with profit. A lot of these buildings are frequently serving the area around some sort of legal system that will had been worth utility cover in advance of 9/11 along with the people have no idea of that legal system flushed innovative legislation damaging their own aged personal space together with secrecy legislation. Their own prime objective gets people to be charged a lot of money to wait and buying items in the speaker systems which relax for many years. Over time we now have seen several substantial workshop causes possessing jailed inside areas with regard to several criminal acts using fraud for a well-known place. Constantly it can be only one issue of your energy until such time as they also have a great face using the authorities in certain nation. To help catch the individuals inside frequenting their own workshops people promote substantial comments which often not surprisingly can’t be substantiated. Should it be way too superior to remain the case, it’s not actually the case.

Which means that save your valuable workshop profit together with get a superb utility cover lawyers that will preserve ones means better together with under legal standing. One of these days when challenges can come banging on the entry which people visiting telephone that workshop supporter or maybe a skilled lawyers inside legal system the place ones means are generally? People majority some of our condition.

Nigerian Scams

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That scam will start with the inbox and fax. A few block is manufactured enjoy profit ought to be received using Nigeria and today people discover Southern Photography equipment going up way too. There are a young child that they are looked after also, you for many ostensibly valid reason are generally picked to remain trusted using quantities to address your ex. Truth be told there may well discuss petroleum legal agreements truly worth scores which can be found. There are scores departed back within a might and they’ll quite possibly fully understand facts about ones dearly departed in comparison. They will often make an attempt to enable you to get inside a great banned profit washing program, not surprisingly you can not wash non-existent monies. In that case can come profit asks for to own monies unveiled, provides, duty, loan company relieve charges, loan company bills, give incentives to charges, progress charges, pay for liens and encumbrances, or anything else. People always keep striking that sorry victim for the money providing they are able to : that sorry victim as well halts cooperating and goes using profit.

Precisely what that sufferers don’t realize is usually the proceedings in back of that views. Similar to it’s likely with in back of that views:

Imagine claim some sort of a few account workplace. From this constructing are generally a few sections. Some may be the e-mail junk e-mail department. These that spammers are generally moving available several innumerable e-mails they are able to on a daily basis, the following passes by 24 / 7 do not ever ending. Additionally are going to be having to pay spammers world wide to help thrust available junk e-mail for your kids additionally. They will often possess a fax dept. the place they’re just delivering available faxes. Additionally are going to be having to pay fax spammers to help send faxes for your kids. People very likely get some individuals sent to to help procuring thieved credit-based card to enable them to find the money for most of the items needed using thieved bank plastic enjoy choosing historical past research upon you and ones useless in comparison with a confidential investigation company using the web to enable them to truly employ info together with info to produce their own account the majority believable. You will find there’s paperwork department the place people get most of the bogus paperwork people send. In that case there does exist that telephone room in your home the location where the which means that termed “barrister” and “banker” and “industrialist” and “fake federal official” is located plying their fraud relating to the sufferers. A lot of these phones are generally checked together with gross sales administrators go around available mentoring the iphone jeweler with regards to ways to increase their own sales pitch. A lot of these phones may very well be played out for a audio within a room in your home with regard to innovative students to check on which includes a educator leading available that strategy in back of the iphone telephone. People very likely get gross sales competitive events together with add-ons. Today right after they find a sorry victim to help give profit, the result might regularly try out a more impressive range minus boyfriend. People find people now take over some sort of stay cable which means that allow serious experienced experts of milk just about all they are able to using these. It’s merely takes a simple representation with how you discover items, we now have virtually no informative info. nevertheless these firms present you with a perception in the intricacy stage included. A few claim that Nigerian scam is a lastly biggest sector with Nigeria. A few additionally claim the us government with Nigeria comes with amalgamated along with the scammers inside sort of coalition which translates to mean there does exist virtually virtually no chance for truly having your cash back from their site together with very likely prized bit of chance for these truly possessing rotting in jail with regard to a lot of these scams.

For a shutting down imagined a lot of these Nigerian scammers using occurrence make an attempt to succeed their own scams with some of our lawyers. They are going to telephone declaring they’re just some sort of possibility and get a sizable amount enjoy $30, 000, 000 tangled up in certain come to terms in certain nation, constantly you will find there’s daisy stringed with bankers together with areas included. Certain times people set out to see in regards to large charge that’s needed is to find the monies unveiled and require a short-term financial loan to find the monies unveiled and it’s once we destroy heli-copter flight connection.

Everyone ought to be thorough avoiding some sort of Utility Cover scam.

Email Scams Examples, Fraud

Email Scam: ANTI SCAM VICTIM REIMBURSEMENT

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This is an email received about “ ANTI SCAM VICTIM REIMBURSEMENT  ” is a phishing scam and why not try to contact these people or log onto these sites and enter your data because you risk being stolen.

from:

ANTI SCAM VICTIM REIMBURSEMENT

<queenie@trikeen.net>
reply-to: garubagambo56@yahoo.in
to:
date: Wed, Apr 6, 2016 at 4:59 PM
subject:

SCAM VICTIM REIMBURSEMENT
mailed-by: trikeen.net

 

Letter from Ghanaian Government Reimbursement:

Ghanaian Government Reimbursement

SCAM VICTIM REIMBURSEMENT

We wish to bring to your notice as a delegate from the Ghanaian Government Reimbursement committee under the strict supervision of the United Nations and INTERNATIONAL MONITORY FUND to pay 168 Foreign Beneficiary whom they are 419 scam victims the sum of $7,500.000.00 (Seven Million Five Hundred United states Dollars) each, you are on the list of the 419 Scam Victim which therefore you are hereby listed as one of the beneficiaries for this immediate reimbursement of your funds.

As a result of this laudable recommendations,it is imperative to bring to your notice that during the last U.N. and IMF meeting held in Central Accra Ghana,it was alarmed by so many countries around the world about loss of funds by various foreigners to these scam artists operating in syndicates all over the world today.In other to redeem the good image of our dear country,(His Excellency President John Dramani Mahama ) has ordered the immediate payment of $2,500.000.00 (Two Million Five Hundred United states Dollars) each to the affected victims in accordance with the U.N. and IMF directives today

Due to the corrupt and inefficient Banking Systems in Ghana, these payments are to be made by STANDARD UNION BANK OF GHANA LIMITED as the corresponding paying bank under the funding assistance of the INTERNATIONAL MONETARY FUND(WORLD BANK) Presently, 84 Beneficiaries have been paid, more than 50% of the victims are from the United States,while about 40% are from other parts of the world.

Your particulars were among those mentioned by some of the Syndicates that were apprehended in Accra , Ghana, Lagos, Nigeria Togo Republic and many more as one of the victims of the operations, you are hereby warned not to communicate or duplicate this message to anybody for any reason whatsoever as the U.S. secret service in conjunction with The INTER POOL and the FBI has swung into action to track these set of criminals down. Once again,you are expected to keep away until these criminals are all apprehended.

The INTER POOL (Motto: No Body is Above the Law) have combined effort with the United Nations Anti-crime commission to alleviate the plight of these victims as well as redeeming the image of our dear country.Many Banks, Universal firms, Companies and individuals have been in bankruptcy today due to the activity of these hoodlums. However, a thorough investigation revealed that these people have dropped over 500,000 victims across the world, after collecting their money falsely, many as a result of this have committed suicide,while others are now living in abject poverty.

As regards these on going developmental strive, we have over 200 suspects at hand, 135 in kirikri prisons.While many are awaiting trial, we are still in search of others,who think they are wise, and hope that you will assist by giving any vital information that could lead to the apprehension of these hoodlums.

You SHALL receive your reimbursement via ONLINE WIRE TRANSFER or via ATM Card. We shall be waiting to hearing from you for the final claim of your $7,500.000.00 (Seven Million Five Hundred United states Dollars) Reimbursement fund.

Finally, you are urgently advised to furnish this office with your full names/address, your direct phone/fax number, your age/marital status.

Awaiting for your prompt response.

Yours faithfully,
MR.GARUBA GAMBO
ANTI SCAM VICTIM REIMBURSEMENT CHAIRMAN.

Email Scams Examples, Fraud

Email Scam: MR.ANTHONY DUVAL – US$65.92MILLION Transfer

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This is an email received about “ MR.ANTHONY DUVAL – US$65.92MILLION Transfer  ” is a phishing scam and why not try to contact these people or log onto these sites and enter your data because you risk being stolen.

from: MR.ANTHONY DUVAL <lagodoy@speedy.com.ar>
reply-to: central.bankofthebenin@yahoo.com.hk
to:
date: Wed, Apr 6, 2016 at 7:29 AM
subject: MR.ANTHONY DUVAL
mailed-by: speedy.com.ar

 

Letter From MR. ANTHONY DUVAL:

Does it means that you are no more interested of making the claim of your outstanding fund US$65.92MILLION of yours which have successful channel to transfer and reflect into your bank and up till this moment you have decided to remain silent after I have personally took an Oath for you to secure this fund.

With all due respect, if you really know that you are no more interested of making this claim of your outstanding fund of yours; kindly update me now to cancel this Transfer since your negative thought does not allow you to believe on the reality so send me a declaration letter stated that you are no more interested of making the claim so that I will cancel the transfer. What makes you think that you will not secure your fund and have Access of the fund as Beneficiary fund source origin ECO-WAS and WORLD BANK wining donation payment, you should know that I have made everything possible for you so kindly go now and send this Fee  US$108 so that the Clearance  Certificate will obtain to enable the Transfer procurement payment slip submit to your bank authority & your country homeland securities for confirmation of the fund into your bank account. Does it means that you are internationally want to delay this matter and it has been long that I made the announcement of release of your fund which is ready to be with you so with all due respect I advice you to go now and send this Fee immediately without any delay and update me because I want you to secure this fund as a agreed and signed by ECO-WAS GOV. and WORLD BANK.Make sure that you scan the Attached Copy of payment slip to me immediately.

You are advice to send the  US$108 by Western Union or money gram transfer as directed below and update with the Attached Copies of payment Information for recorded as directed immediately and also get ready and I am at your Service because of your Funds transfer is READY which you know that you have to appreciate the effort that Benin republic new present Government made for you to secure your fund with a copy of Transfer payment Slip to you for Handover. With all due respect, please do not delay to send this fee Today because this is a last chance and final conclusion. Kindly do your best now to send the Fee and update me immediately.

CONGRATULATIONS.
Other details and Transfer procurement payment slip Sheet will be forwarded to your Bank Authority and your homeland securities as soon as you send the Fee  US$108 Today and update me with payment information satisfied that you will rejoice right now.On behalf of this Democratic Government of United States of America (U.S.A), I apologize for any delay you might have encountered in receiving your Fund in the past. By virtue of law, you have to go now and make the payment of the required Fee as directed below to enable the Clearance  Certificate obtain and issue in your Name of your Funds Transfer to be made immediately because this is the time and moment you supposed to receiving of your donation funds as the wining Beneficiary.

I officially wait for the Attached Copy of Payment Transfer Slip Information Scan for Recorded of your Funds Transfer to be made immediately.The above money should be sent via WESTERN UNION TRANSFER OR MONEY GRAM TRANSFER within 24 Hours in favor of the smooth confirmation of the funds of your Funds into your Bank Account or your could be pay directly via bank bank check.

Receiver Name: SOLOMON OKOYE
COUNTRY: Benin Republic
City Address: Cotonou
Test Question; Goods?
Test Answer: Time
AMOUNT: US$108
MTCN,,,,,,,,,,,,,,,,,,,,?
Sender Name…………………?

THANKS,
EMAIL(central.bankofthebenin@yahoo.com.hk)
MR.ANTHONY DUVAL

Compliment of the day to you
I am Maxwell,a reputable and certified loan lender here in United
State we are currently giving out Loan to Individuals and
companies at 2% interest rate,to apply fill out the details below:
Name………….
Sex…
Age…….
Phone Number…..
Country……….
Amount Needed …
Loan Duration….
Monthly Income….
Thanks
Mr Maxwell.

Email Scams Examples

Email Scam: FREELOTTO AFFILIATED OFFICE U.K

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This is an email received about “ FREELOTTO AFFILIATED OFFICE U.K ” is a phishing scam and why not try to contact these people or log onto these sites and enter your data because you risk being stolen.

FROM: GOVERNMENT ACCREDITED
LICENSED LOTTERY PROMOTERS.
FREELOTTO AFFILIATED OFFICE U.K,
82 VICTORIA STREET VICTORIA LONDON
SW1 U.K

TEL:+44-7031-810-592

NOTIFICATION OF WINNING

We are pleased to inform you of the release of the recent results of the FREELOTTO INTERNATIONAL EMAIL PROMOTION PROGRAM held on the 1st of December 2015. You were entered as dependent clients
with: Reference Serial Number:F2-003-036 and Batch number FR/45-300-07. Your email address attached to the ticket number: 54-20-17-52-34-30 that draw the lucky winning number,which consequently won the
Daily new year Jackpot in the first category,in four parts.You have been approved for a payment of $2,000,000.00 (Two Million United States Dollars) in cash credited to file reference number: TFR/9900034943/JPT.

All participants for the online version were selected randomly from World Wide Web sites through computer draw system and extracted from over 100,000 unions, associations and co-operate bodies that are listed online.This
email promotion takes place every month. Please note that your lucky winning number falls within our European booklet representative office in Europe as indicated in your play coupon.

In view of this, your $2,000,000.00 (Two Million United States Dollars) would be released to you by our payment office in United Kingdom.Our Fiduciary agent will immediately commence the process to facilitate the release
of your funds as soon as you contact him. For security reasons, you are advised to keep your winning information confidential till your claim is processed and your money remitted to you.

This is part of our precautionary measure to avoid double claiming and unwarranted abuse of this program,Please be warned.click on the website link below to view the photo page of some of our recent lucky winners.
http://www.freelotto.com/winners.asp FreeLotto Winning Draw Results for 27th November, 2015.

$50,000.00: 4-5-34-41-3-37
$200,000.00: 22-43-6-9-28-26
$10,000.00: 12-32-17-14-24-10
$100,000.00 : 2-27-22-47-16-21
Monthly Jackpot $2,000,000.00: 54-20-17-52-34-30
Super Bucks $10,000,000.00 : 37-2-48-41-46- 25-43

To file for your claim, please contact your fiduciary agent immediately via the email below:
Mr. Williams Ford
(Freelotto Fiduciary Department)
82 Victoria Street
Victoria London SW1 U.K

Email: unitedkingdomofficefreelotto@gmail.com
Email: unitedkingdomofficefreelotto@gmail.com

Provide him with these following details with which he will begin the processing of your winnings.

1.NAME IN FULL:
2.ADDRESS:
3.AGE:
4.PHONE:
5.FAX:
6.SEX:
7.MARITAL STATUS:
8.OCCUPATION:
9.COMPANY NAME/POSITION:
10.COUNTRY:
11.NATIONALITY:
12.EMAIL:

The freelotto Internet draw is held every month and is so organized to encourage the use of the Internet and computer worldwide. We are proud to say that over 400 millions U.S Dollars are won annually in more than 118
countries Worldwide. Warning!!!: Fraudulent emails are circulating that appear to be using Free Lotto addresses, but are not from The Free Lotto.

PLEASE REPORT IMMEDIATELY
TO:abuse@freelotto.com

Once again congratulations.

Sincerely,
Kevin J. Aronin
Chairman & CEO Copyright © 1995-2015 The FREELOTTO National
Lottery Inc. All rights reserved. Terms of Service – Guideline

NB: You are advised to keep your winning strictly confidential until your winning is processed and received by you.
This is to avoid double claiming which could lead to disqualification.

Examples Of Email Scam from FREELOTTO National Lottery

FREELOTTO National Lottery

FREELOTTO National Lottery

FREELOTTO National Lottery

FREELOTTO National Lottery

Email Scams Examples

Email Scam: Money Gram Money Transfer

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This is an email received about “ Money Gram Money Transfer ” is a phishing scam and why not try to contact these people or log onto these sites and enter your data because you risk being stolen.

Welcome to Money Gram Money Transfer Send Money Worldwide office Department Of Money Gram Cotonou Benin Republic
ADDRESS: 1500 Akpakpa Avenue, Cotonou; Benin
Visit Us Via Website: www.moneygram.com

Greetings From Money Gram

 

Money Gram Money Transfer

The Money Gram Transfer Service Cotonou Benin Headquarters wishes to inform you that our government has paid part of the fees needed for the final release of your funds which is worth $4.500,000.00 USD to you this month through our Money Gram Office here in United States. For your information the maximum amount you will be receiving from tomorrow is $4,500 USD till your total funds of $4.500,000.00 USD is completely transferred to you.

We have been struggling to send you the first payment of $4,500 USD today through our payment system here before we found out that your payment file needed to be renewed from the World Bank central system. Below is your first payment of $4,500 USD that is sent in your name this morning but you will not be able to pickup the money unless you send the fee of US$68.00 required to renew and reconfirm your payment file to us through the World Bank Central System here in United
States.

Below is your first payment for $4,500 usd sent today.

Click on the link below to track your $4,500 payment status now. It is a compulsory step to take if you really want to gain access to your payment. You can also copy and paste the link on your web browser and with to download

Track View Website link:

https://secure.moneygram.com/track

Money Transfer Control Number (REFERENCE) # 62272243
Sender Last Name : Shabangu

Click on check status to view that your first payment is available for pick up by you. Remember it is compulsory to track it first.

So if you want to track the money to confirm if the funds is transferred visit our website below:

https://secure.moneygram.com/track

enter the (REFERENCE) number # 62272243 Enter senders last name. Shabangu and click tracking and it will show you that your funds is available for you to pick up.

Your urgent response is highly needed in sending the $68.00usd to enable us proceed to reconfirm your payment file from the world Bank central System. Send the $68 directly with the name as outlined below via our money gram outlet to enable us pick it from our department here and reconfirm your payment file approval from the world Bank central System and commence your daily payment immediately Please you were advice to send the fee via our Money Gram Cashier Name.

Send the fee via Money Gram Only.

Receiver’s Name: EMMANUEL  MACHI
Address: Cotonou Benin
Amount: $68

NOTE: You will not be able to pickup the $4,500 USD unless you send the fee of US$68 required to renew and reconfirm your payment file to us through the World Bank Central System in United State.

This payment you are receiving is coming directly from World Bank assistance program on poverty alleviation, the Money Gram headquarters has agreed to start sending you the payment of $4,500 usd daily as soon as you meet up with the $68 which is for the reconfirmation of your payment file from the world Bank central System.

However, failure to adhere to the above instruction after 3days put you at a high risk of cancellation of your payment and have it return back to government.

Yours respectfully,
Mr.Bruder Shabangu
Revenue Avendant
EMAIL ME ONCE AGAIN FOR MORE INFORMATION

Fraud News From World

FIFA Officials Indicted for Conspiracy and Corruption Scam

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Sixteen Additional FIFA Officials Indicted for Racketeering Conspiracy and Corruption

FIFA Officials Indicted

The New Defendants Include Five Current or Former FIFA Executive Committee Members and the Current Presidents of CONCACAF and CONMEBOL; Guilty Pleas for Eight Others, Including Jeffrey Webb and the Former Presidents of the Colombian and Chilean Soccer Federations, also Announced

A 92-count superseding indictment was unsealed earlier today in federal court in Brooklyn, New York, charging an additional 16 defendants with racketeering, wire fraud and money laundering conspiracies, among other offenses, in connection with their participation in a 24-year scheme to enrich themselves through the corruption of international soccer.  The superseding indictment also includes additional charges for seven of the defendants still pending extradition following the return of the original indictment last May.  The guilty pleas of eight defendants – including Jeffrey Webb, Alejandro Burzaco and José Margulies, three of the defendants indicted last May – were also announced today.

The new defendants charged in the superseding indictment include high-ranking officials of FIFA, the organization responsible for the regulation and promotion of soccer worldwide, as well as high-ranking officials of other soccer governing bodies that operate under the FIFA umbrella.  The defendants Alfredo Hawit and Juan Ángel Napout – the current presidents of CONCACAF and CONMEBOL, respectively, as well as current FIFA vice presidents and Executive Committee members – are among the 16 additional soccer officials charged with racketeering and bribery offenses.  CONCACAF and CONMEBOL are two of FIFA’s six continental confederations.  The new defendants also include Marco Polo del Nero and Ricardo Teixeira, the current and former presidents of the Brazilian soccer federation, both of whom are also former members of the FIFA Executive Committee, as well as José Luís Meiszner and Eduardo Deluca, the current and former general secretaries of CONMEBOL.  Within UNCAF, the Central American regional soccer union operating within CONCACAF, the charges in the superseding indictment name the current and/or former presidents of nearly every country in the region: Costa Rica, El Salvador, Guatemala, Honduras, Nicaragua and Panama.  Taken together, the 27 defendants in the superseding indictment are alleged to have engaged in a number of schemes all designed to solicit and receive well over $200 million in bribes and kickbacks to sell lucrative media and marketing rights to international soccer tournaments and matches, among other valuable rights and properties.

The charges were announced by Attorney General Loretta E. Lynch, FBI Director James B. Comey, U.S. Attorney Robert L. Capers of the Eastern District of New York, Assistant Director in Charge Diego G. Rodriguez of the FBI’s New York Field Office, Chief Richard Weber of Internal Revenue Service-Criminal Investigation (IRS-CI) and Special Agent in Charge Erick Martinez of the IRS-CI Los Angeles Field Office.

Early this morning, Swiss authorities in Zurich arrested two of the defendants charged in the superseding indictment – Hawit and Napout – at the request of the United States.  Also this morning, a search warrant was executed at Media World, a sports marketing company based in Miami.

The new charges unsealed today bring the total number of individuals and entities charged to date to 41.  Of those, 12 individuals and two sports marketing companies have already been convicted as a result of the ongoing investigation.  The convicted defendants have agreed to pay more than $190 million in forfeiture.  In addition, more than $100 million has been restrained in the United States and abroad in connection with the alleged criminal activity.  The United States has issued mutual legal assistance requests seeking the restraint of assets located in 13 countries around the world.

“The Department of Justice is committed to ending the rampant corruption we have alleged amidst the leadership of international soccer – not only because of the scale of the schemes, or the brazenness and breadth of the operation required to sustain such corruption, but also because of the affront to international principles that this behavior represents,” said Attorney General Lynch.  “The message from this announcement should be clear to every culpable individual who remains in the shadows, hoping to evade our investigation: You will not wait us out.  You will not escape our focus.”  Attorney General Lynch extended her grateful appreciation to the authorities of the government of Switzerland for their continuing outstanding assistance and collaboration in this investigation, and to the authorities in a number of other countries, including Brazil and Colombia, for their assistance as well.

“For decades, these defendants used their power as the leaders of soccer federations throughout the world to create a web of corruption and greed that compromises the integrity of the beautiful game,” said Director Comey.  “I want to thank all the agencies for their hard work and for showing the world that we do not tolerate this criminal activity.”

“The charges unsealed today send a clear message to those who corrupted a sport beloved by millions to satisfy their own greed: We are determined to put a stop to bribery and corruption in international soccer and to make room for a new era of integrity and reform,” said U.S. Attorney Capers.  “This indictment is the latest step in that effort, but our work is not done.  While our investigation continues at home, we also look forward to continuing our collaboration with our international partners, including in particular the Swiss authorities, because there is so much yet to be done.”  Mr. Capers extended his thanks to the agents, analysts and other investigative personnel with the FBI New York Eurasian Joint Organized Crime Squad and the IRS-CI Los Angeles Field Office, as well as their colleagues in the United States and abroad, for their continuing tremendous effort in this case.  Mr. Capers also thanked the U.S. Marshals Service for its continuing assistance.

“The brazenness with which the individuals indicted today breached the integrity of the U.S. financial system to promote and conceal their criminal schemes is quite alarming,” said Chief Weber.  “While it is one of the most complex worldwide financial investigations ever conducted, it is also an eye opener to everyone that such greed and corruption could be hiding in plain sight within the world’s most popular sport.  By conspiring to enrich themselves through bribery and kickback schemes relating to media and marketing rights, the defendants undermined the process of fair and open competition, corrupting the beautiful game for their own personal gain.”

The charges in the superseding indictment are merely allegations, and the defendants are presumed innocent unless and until proven guilty.

Overview of the Superseding Indictment

As alleged in the superseding indictment, FIFA and its six continental confederations – including CONCACAF, headquartered in the United States, and CONMEBOL, the confederation headquartered in South America – together with affiliated regional federations, national member associations and sports marketing companies, constitute an enterprise of legal entities associated in fact for purposes of violating the federal racketeering laws.  The principal – and entirely legitimate – purpose of the enterprise is to regulate and promote the sport of soccer worldwide.

Like the original indictment, the superseding indictment alleges that between 1991 and the present, the defendants and their co-conspirators corrupted the enterprise by engaging in various criminal activities, including fraud, bribery and money laundering.  Two generations of soccer officials abused their positions of trust for personal gain, frequently through an alliance with unscrupulous sports marketing executives who shut out competitors and kept highly lucrative contracts for themselves through the systematic payment of bribes and kickbacks.  All told, the soccer officials are charged with conspiring to solicit and receive more than $200 million in bribes and kickbacks in exchange for their official support of the sports marketing executives who agreed to make the unlawful payments.

The schemes alleged in the original indictment related to the solicitation and receipt of bribes and kickbacks by soccer officials from sports marketing executives in connection with the commercialization of the media and marketing rights associated with various soccer matches and tournaments, as well as schemes related to the payment and receipt of bribes and kickbacks in connection with the sponsorship of the Brazilian soccer federation by a major U.S. sportswear company, the selection of the host country for the 2010 World Cup and the 2011 FIFA presidential election.

The new allegations in the superseding indictment relate to a series of bribery schemes in connection with multiple cycles of FIFA World Cup qualifiers and international friendly matches involving six Central American member associations within UNCAF; a bribery scheme implicating many top CONMEBOL officials relating to the sale of broadcasting rights to the CONMEBOL Copa Libertadores over an extended period; and a scheme by an Argentinian sports marketing company to obtain various rights properties from CONCACAF by paying bribes to three Central American soccer officials to cause them to exert their influence in favor of the company.

The 16 New Defendants

As set forth in the superseding indictment, the 16 newly-indicted defendants are all current or former soccer officials who acted at various times in a fiduciary capacity within FIFA and one or more of its constituent organizations:

CONCACAF Region Officials

  • Alfredo Hawit: Current FIFA vice president and Executive Committee member and CONCACAF president.  Former CONCACAF vice president and Honduran soccer federation president.
  • Ariel Alvarado: Current member of the FIFA Disciplinary Committee.  Former CONCACAF Executive Committee member and Panamanian soccer federation president.
  • Rafael Callejas: Current member of the FIFA Television and Marketing Committee.  Former Honduran soccer federation president and former president of the Republic of Honduras.
  • Brayan Jiménez: Current Guatemalan soccer federation president and member of the FIFA Committee for Fair Play and Social Responsibility.
  • Rafael Salguero: Former FIFA Executive Committee member and Guatemalan soccer federation president.
  • Héctor Trujillo: Current Guatemalan soccer federation general secretary and judge on the Constitutional Court of Guatemala.
  • Reynaldo Vasquez: Former Salvadoran soccer federation president.

CONMEBOL Region Officials

  • Juan Ángel Napout: Current FIFA vice president and Executive Committee member and CONMEBOL president.  Former Paraguayan soccer federation president.
  • Manuel Burga: Current member of the FIFA Development Committee.  Former Peruvian soccer federation president.
  • Carlos Chávez: Current CONMEBOL treasurer.  Former Bolivian soccer federation president.
  • Luís Chiriboga: Current Ecuadorian soccer federation president and member of the CONMEBOL Executive Committee.
  • Marco Polo del Nero: Current president of the Brazilian soccer federation.  Announced resignation from FIFA Executive Committee on Nov. 26, 2015.
  • Eduardo Deluca: Former CONMEBOL general secretary.
  • José Luis Meiszner: Current CONMEBOL general secretary.
  • Romer Osuna: Current member of the FIFA Audit and Compliance Committee.  Former CONMEBOL treasurer.
  • Ricardo Teixeira: Former Brazilian soccer federation president and FIFA Executive Committee member.

The Convicted Defendants

The following defendants previously pleaded guilty under seal and agreed to forfeit more than $40 million:

On May 26, 2015, Zorana Danis, the co-founder and owner of International Soccer Marketing Inc., a New Jersey-based sports marketing company, waived indictment and pleaded guilty to a two-count information charging her with wire fraud conspiracy and filing false tax returns.  As part of her plea, Danis agreed to forfeit $2 million.

On Nov. 9, 2015, Fabio Tordin, the former CEO of Traffic Sports USA Inc. and currently an executive with Media World LLC, a Miami-based sports marketing company, waived indictment and pleaded guilty to a four-count information charging him with three counts of wire fraud conspiracy and one count of tax evasion.  As part of his plea, Tordin agreed to forfeit more than $600,000.

On Nov. 12, 2015, Luis Bedoya, a member of the FIFA Executive Committee, a CONMEBOL vice president and, until last month, the president of the Federación Colombiana de Fútbol, the Colombian soccer federation, waived indictment and pleaded guilty to a two-count information charging him with racketeering conspiracy and wire fraud conspiracy.  As part of his plea, Bedoya agreed to forfeit all funds on deposit in his Swiss bank account, among other funds.

On Nov. 16, 2015, Alejandro Burzaco, the former general manager and chairman of the board of Torneos y Competencias S.A., an Argentinian sports marketing company, pleaded guilty to racketeering conspiracy, wire fraud conspiracy and money laundering conspiracy.  As part of his plea, Burzaco agreed to forfeit more than $21.6 million.

On Nov. 17, 2015, Roger Huguet, the CEO of Media World and its parent company, waived indictment and pleaded guilty to a three-count information charging him with two counts of wire fraud conspiracy and one count of money laundering conspiracy.  As part of his plea, Huguet agreed to forfeit more than $600,000.

On Nov. 23, 2015, Jeffrey Webb, a former FIFA vice president and Executive Committee member, CONCACAF president, Caribbean Football Union Executive Committee member and Cayman Islands Football Association president, pleaded guilty to racketeering conspiracy, three counts of wire fraud conspiracy and three counts of money laundering conspiracy.  As part of his plea, Webb agreed to forfeit more than $6.7 million.

On Nov. 23, 2015, Sergio Jadue, a vice president of CONMEBOL and, until last month, the president of the Asociación Nacional de Fútbol Profesional de Chile, the Chilean soccer federation, waived indictment and pleaded guilty to a two-count information charging him with racketeering conspiracy and wire fraud conspiracy.  As part of his plea, Jadue agreed to forfeit all funds on deposit in his U.S. bank account, among other funds.

On Nov. 25, 2015, José Margulies, the controlling principal of Valente Corp. and Somerton Ltd, who served as an intermediary who facilitated illicit payments between sports marketing executives and soccer officials, pleaded guilty to racketeering conspiracy, wire fraud conspiracy, and two counts of money laundering conspiracy.  As part of his plea, Margulies agreed to forfeit more than $9.2 million.

As previously announced last May, all money forfeited by the defendants is being held in reserve to ensure its availability to satisfy any order of restitution entered at sentencing for the benefit of any individuals or entities that qualify as victims of the defendants’ crimes under federal law.

The indicted and convicted defendants face maximum terms of incarceration of 20 years for the Racketeer Influenced and Corrupt Organizations Act (RICO) conspiracy, wire fraud conspiracy, wire fraud, money laundering conspiracy, money laundering and obstruction of justice charges.  In addition, Tordin and Danis face maximum terms of five and three years in prison, respectively, for the tax charges.  Each defendant also faces mandatory restitution, forfeiture and a fine.

The superseding indictment and guilty pleas unsealed today are assigned to the U.S. District Judge Raymond J. Dearie of the Eastern District of New York.

The government’s investigation is ongoing.

The charges and guilty pleas announced today are part of an investigation into corruption in international soccer being led by the U.S. Attorney’s Office of the Eastern District of New York, the FBI’s New York Field Office and the IRS-CI Los Angeles Field Office.  The work in the U.S. Attorney’s Office involves prosecutors from the National Security and Cybercrime Section, the Organized Crime and Gang Section, the Business and Securities Fraud Section and the Public Integrity Section.  The prosecutors in Brooklyn are receiving considerable assistance from attorneys in various parts of the Justice Department’s Criminal Division in Washington, D.C., including the Office of International Affairs, the Organized Crime and Gang Section, the Asset Forfeiture and Money Laundering Section and the Fraud Section, as well as from INTERPOL Washington.

The charges and guilty pleas announced today are being prosecuted by Assistant U.S. Attorneys Evan M. Norris, Amanda Hector, Darren A. LaVerne, Samuel P. Nitze, M. Kristin Mace, Paul Tuchmann, Keith D. Edelman, Tanya Hajjar and Brian D. Morris of the Eastern District of New York.

The Newly-Indicted Defendants:

ARIEL ALVARADO

Age:   56

Nationality:  Panama

MANUEL BURGA

Age:   58

Nationality:  Peru

RAFAEL CALLEJAS

Age:   72

Nationality: Honduras

CARLOS CHÁVEZ

Age:   57

Nationality:  Bolivia

LUÍS CHIRIBOGA

Age:   69

Nationality:  Ecuador

MARCO POLO DEL NERO

Age:   74

Nationality:  Brazil

EDUARDO DELUCA

Age:   75

Nationality:  ARGENTINA

ALFREDO HAWIT

Age:   64

Nationality:  Honduras

BRAYAN JIMÉNEZ

Age:   61

Nationality:  Guatemala

JOSÉ LUÍS MEISZNER

Age:   69

Nationality:  Argentina

JUAN ÁNGEL NAPOUT

Age:   57

Nationality:  Paraguay

ROMER OSUNA

Age:  72

Nationality:  Bolivia

RAFAEL SALGUERO

Age:   70

Nationality:  Guatemala

RICARDO TEIXEIRA

Age:   68

Nationality:  Brazil

HÉCTOR TRUJILLO

Age:   62

Nationality:  Guatemala

REYNALDO VASQUEZ

Age:   59

Nationality:  El Salvador

The Convicted Defendants:

LUIS BEDOYA

Age:  56

Nationality: Colombia

ALEJANDRO BURZACO

Age:  51

Nationality: Argentina

ZORANA DANIS

Age:  52

Nationality: Belgium

ROGER HUGUET

Age:  52

Nationality: USA, Spain

SERGIO JADUE

Age:  36

Nationality: Chile

JOSÉ MARGULIES

Age:   76

Nationality:  Brazil

FABIO TORDIN

Age:  50

Nationality: Brazil

JEFFREY WEBB

Age:   51

Nationality:  Cayman Islands

 

Original Press-releases from justice.gov 

Fraud, Scams Ways

How to Stay Out of Computer and Telephone Scam

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Financial Fraud Action UK (FFA UK) is warning of people of a new-style telephone scam where fraudsters impersonate major companies and organisations to take over computers and steal money from online bank accounts.

There has been a recent increase in reports of this type of scam to Action Fraud where criminals are using technology to take control of victims’ computers from remote locations, after telephoning them and offering to help with a slow computer/internet connection.

To carry out this fraud, scammers are impersonating internet service providers, computer companies, banks, software firms and law enforcement. They are also claiming to be calling as a result of recent high-profile data breaches.

Remote access

Computer and Telephone Scam

The scammers claim there is a problem with the victim’s computer or internet service which is causing it to run slowly. They say they can fix it but need to access their computer to do so.

Victims are then asked either to visit a website or enter a command prompt on their computer, which gives the scammers control of the machine remotely.

The fraudster will take some time to ‘fix’ the problem, in some cases as long as 30 or 40 minutes.

During the call, the scammer will either tell the victim they are entitled to compensation or pretend to put them through to a supervisor, who will make the offer.

The scammer will say they are sending the money and will ask the victim to log into their bank account to check it has arrived.

But the scammers will still have access to the computer and will put up a fake screen which makes it appear the money has arrived. Working in the background, they will take money from the victim’s bank account. Alternatively, the scammers may transfer money between accounts to make it look like payment has been made.

To avoid falling victim to this scam, you:

  • Should be wary of unsolicited approaches by phone claiming to offer a refund
  • Should avoid letting someone you do not know or trust have access to their computer, especially remotely
  • Should never log onto your internet bank while someone else has access to your computer
  • Should not share one-time passcodes or card reader codes with anyone
  • Should not disclose your 4-digit card PIN or your online banking password, even by tapping them into the telephone keypad.

For further information please visit the FFAUK website.

Please note that Action Fraud is not responsible for the content of external websites.

Email Scams Examples

Email Scam: FROM MRS. DEBORAH

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This is an email received about “FROM MRS. DEBORAH E. PAR” is a phishing scam and why not try to contact these people or log onto these sites and enter your data because you risk being stolen.

 

HELLO MY BELOVED IN THE LORD.
MY PRIVATE EMAIL ADDRESS: mrs.deborahd@yahoo.co.za


I AM MRS. DEBORAH E. PAR FROM REPUBLIC OF IRELAND, BORN IN THE STATE OF OHIO USA. I AM LEGALLY MARRIED TO MR.HILARY PAR, A SOUTH AFRICA CITIZEN BORN BROUGHT UP IN SWITZERLAND, I LIVE IN SWITZERLAND WITH MY HUSBAND FOR 32 YEARS BEFORE WE MOVE DOWN TO SOUTH AFRICA IN 1985 AFTER MY HUSBAND RETIREMENT IN 1984, I AM 71 YEARS OLD BY THE GRACE OF GOD, I AM A NEW CHRISTIAN CONVERT, SUFFERING FROM LONG TIME CANCER OF THE BREAST.

 

ALL INDICATION FROM MY DOCTOR THAT MY CONDITIONS IS REALLY DETERIORATING AND IT IS QUITE OBVIOUS THAT I WOULDN’T LIVE MORE THAN TWO MONTHS, ACCORDING TO MY DOCTORS AND IN ALL INDICATION REGARDS TO MEDICAL ANALYSIS.THIS IS BECAUSE THE CANCER DISEASE HAS GOTTEN TO A VERY BAD STAGE THAT NO HOPE FOR ME TO BE A LIVING PERSON AGAIN. MY DEAR HUSBAND WAS INVOLVED WITH THE JANUARY 2000 KENYA AIRWAYS PLANE CRASHED AS YOU CAN SEE ON THE NEWS LINE WEB SITE.
( http://news.bbc.co.uk/…27485.stm )

40 YEARS PERIOD OF MARRIAGE LIFE, STILL WE COULD NOT PRODUCE ANY CHILD, MY LATE HUSBAND WAS VERY WEALTHY AND AFTER HIS DEATH, I INHERITED SOME PART OF HIS BUSINESS AND MONEY IN THE BANK. THE DOCTORS HAS ADVISED ME THAT I MAY NOT LIVE FOR MORE THAN ONE MONTHS AND 2 WEEKS AND WARN ME TO DECEASE FROM THINKING OVER WHO IS GOING TO INHERIT ME, TODAY I HAVE DECIDED TO DONATE CONTRIBUTE TO THE LESS PRIVILEGES, CHARITY AND  ORPHANAGE HOMES. I MADE THIS DECISION AFTER LISTING TO THE NEWS LINE ABOUT 100 YEARS OLD WOMAN WHO SECRETLY DONATE HER FORTUNE UPON HER DEATH,


http://www.myfoxspokane.com/…0207  http://www.youtube.com/…UM


I CHOOSE YOU AFTER VIEWING YOUR PROFILE AND I HAVE CONFIDENT IN YOU BECAUSE I HAVE PRAYED. I AM WILLING TO DONATE THE SUM OF $20.5MILLION U.S DOLLARS, TO THE LESS PRIVILEGED. PLEASE I WANT YOU TO NOTE THAT THIS FUND IS STILL IN THE BANK WHERE MY HUSBAND DEPOSITED IT. I AM GOING TO ADVICE MY LAWYER TO CHANGE MY LAST WILL TO YOUR NAME AND FILE IN AN APPLICATION FOR THE TRANSFER OF THE MONEY IN YOUR NAME. LASTLY, I HONESTLY PRAY THAT THIS MONEY WHEN TRANSFERRED WILL BE USED FOR THE SAID PURPOSE EVEN THOUGH I AM LATE THEN OR ALIVE, BECAUSE I HAVE COME TO FIND OUT THAT WEALTH ACQUISITION WITHOUT GOD IS VANITY ACCORDING TO THE WISEST KING IN ISRAEL KING SOLOMON, AND I MADE THE PROMISE TO GOD THAT THE FUND WILL BE USE TO HELP THE NEEDY AND THE LESS PRIVILEGE, Reply me through this email: mrs.deborahd@yahoo.co.za


MAY THE GRACE OF OUR LORD THE LOVE OF GOD AND THE FELLOWSHIP OF GOD BE WITH YOU AND YOUR FAMILY, PLEASE FURTHER DISCUSSION CONTACT ME WITH MY EMAIL ADDRESS:

 
I AWAIT URGENT REPLY: mrs.deborahd@yahoo.co.za

REMAINS BLESSED
MRS. DEBORAH E. PAR

Email Scams Examples

Scam Email: Curtis Butler

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My mom was the recipient of an attempted scam – luckily she asked for my help in processing a credit card and so I was able to stop it before she actually lost any real money!

Curtis Butler was the name used in these scam – 2 different email addresses
(see below)

Here is the original email:

Received: by 10.96.25.9 with HTTP; Fri, 25 Jul 2014 16:14:48 -0700 (PDT)
Reply-To: curbutler@gmail.com
Date: Sat, 26 Jul 2014 00:14:48 +0100
Subject: Order enquiry
From: Curtis BUTLER [pete11cooper@gmail.com]

Hello,
I am emailing to inquire about availability of artwork for sale in
your gallery, if you can ship international and also if you are able
to process Electronically Visa and Master Card Number/Expiry date/Cvv
as payment. Let me know so that i can communicate with you on the
artworks that interest me,you can also indicate to me which of the
arts are sold and which are available on your website.
I will be looking forward to reading from you.
Sincerely

Curtis Butler

During their conversations he also changed his email address (my mom
didn’t even notice because GMail just showed his name) – here is a
follow up email:

Date: Sat, 26 Jul 2014 10:31:08 +0100
Subject: Re: Order enquiry
From: Curtis Butler [curbutler@gmail.com>]

Hello,
Good to hear from you,
Below are the artworks that interest me so i want you to get back to
me with the cost price of each so that i can give you the  payment

[name of each piece]

I want you to get back to me with the cost of  the above so that you
can have the payment .
I will be looking forward to hear from you asap.
Thanks
>

On Jul 25, 2014, at 6:14 PM, Curtis BUTLER [pete11cooper@gmail.com] wrote:

> Hello,
> I am emailing to inquire about availability of artwork for sale in
> your gallery, if you can ship international and also if you are able
> to process Electronically Visa and Master Card Number/Expiry date/Cvv
> as payment. Let me know so that i can communicate with you on the
> artworks that interest me,you can also indicate to me which of the
> arts are sold and which are available on your website.
> I will be looking forward to reading from you.
> Sincerely
>
> Curtis Butler
>

Email Scams Examples

Scam Email: Rebecca Wallace

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Hi Kathleen, I was wondering if you might have heard of this person Rebecca Wallace from Guernsey UK.
At first I thought it was a legitimate purchase inquiry… but now I  think not.

Any thoughts would be appreciated, thanks, Matthew

I think it’s GREAT that you are putting in the effort to help your fellow artists!

Here are the emails (from latest to first):

from Rebecca Wallace:

Thank you so much for the urgent information provided I want you to
get them ready for shipment and get shipping quote ASAP
On the shipping one will have to pay additional fees at the delivery
point here, because they will never bring to ones house, Courier like
FedEx, UPS and DHL are not worth it here especially USPS probably
because they already known very well.
I want you can contact this shipping company:
www.expressparcelsdelivery.net
contact address: epdsdelivery@mac.hush.com

They will need dimension for the package weight and Value of the
artwork for the shipping and insurance Quote to my billing address,
they offer door to door shipment and deliver safely without paying
any extra money before collecting the goods unlike some other courier
where it will not be delivered to your address and you will still
have to go to their office to pick it up and you will be told to pay
other money like custom duties before collecting it really sick of them.
I will be looking forward to hearing from you soon so that you can
have credit card information to charge for the total payment without
any further delay.

234 Rue Du Fort Sark
Guernsey,
Postcode:GY10 1SF
United Kingdom

—- On Mon, 21 Jul 2014 13:57:56 -0700 Matthew wrote
—-

Hi Rebecca,
The prices for these 3 framed paintings are:
[names, prices]

It looks like shipping would be $200 for all three
Total Art $5,100 plus $200 ship is $5,300 and could ship within the
next couple of days.

Getting the three paintings I could give you a 15% discount bringing
the total including shipping  $4,500 usd

I use PayPal for online payments which you can use your credit card
( you don’t need a PayPal account)

You can use this page for payment

Let me know how this sounds and we can go from there!

A note on these 3 paintings, they were all done plein-air on location
with my wife and family present and they all hold a special place in
my life and heart.

I hope sometime to come to Guernsey with my family to paint and enjoy
the fresh breeze!

All the best, sincerely,

Matthew

On Jul 21, 2014, at 11:29 AM, Rebecca_wallace1960 wrote:

How are you doing today and family?and great to hear from you,
Below are the artworks that interest me and I want you to get back to
me with the price of each pieces listed bellow:
[name of pieces]

I want you to get back to me with the cost of  the above pieces then
we can figure out about shipping,and insurance cost
I will be awaiting,so that you can have my credit card number to run
for the payment

Best

Rebecca Wallace
234 Rue Du Fort Sark
Guernsey,
Postcode:GY10 1SF
United Kingdom

—- On Mon, 21 Jul 2014 11:06:57 -0700  matthew wrote —-

Hi Rebecca, Thanks for your interest in my artwork, and sorry about
the delay in getting back to you I have been away from my computer.

Yes shipping to the UK is fine, though unlike the old days where
wasn’t so costly I now have to check on the cost.

If you let me know some of the work, style and sizes you are
interested in I can give you a up to date selection of avail work.
Please reference some of the specific paintings from my website
[url listed]

I very much look forward to having my artwork enhance your home and
life!

All the best,

Matthew

On Jul 12, 2014, at 6:36 PM, rebecca wallace wrote:

Hi there,

I am captivating on your artwork to equip, and beautify my home town
In United Kingdom.
I don’t know, if you internationally shipped Out of your region and
Your on-line portfolio or inventory would give me more details of
available works only if you send me more details.
I will wait for your swift response.
Regard

Rebecca Wallace

234 Rue Du Fort Sark
Guernsey,
Postcode:GY10 1SF
United Kingdom

Email Scams Examples, Scams Ways

2015 BUSINESS EMAIL: No Longer Safe

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Business Emails Compromise

This is an announcement with features on how to produce business for fraud based emails made by FBI.

This Public Service Announcement (PSA) is an update for the Business E-mail Compromise (BEC) PSA I-012215-PSA posted on www.IC3.gov and includes new information and updated statistical data as of August 2015.

DEFINITION

Business Email Compromise (BEC) is defined as a sophisticated scam targeting businesses working with foreign suppliers and/or businesses that regularly perform wire transfer payments. The scam is carried out by compromising legitimate business e-mail accounts through social engineering or computer intrusion techniques to conduct unauthorized transfers of funds.1

Most victims report using wire transfers as a common method of transferring funds for business purposes; however, some victims report using checks as a common method of payment. The fraudsters will use the method most commonly associated with their victim’s normal business practices.

STATISTICAL DATA

The BEC scam continues to grow and evolve and it targets businesses of all sizes. There has been a 270 percent increase in identified victims and exposed loss since January 2015. The scam has been reported in all 50 states and in 79 countries. Fraudulent transfers have been reported going to 72 countries; however, the majority of the transfers are going to Asian banks located within China and Hong Kong.

The following BEC statistics were reported to the Internet Crime Complaint Center from October 2013 to August 2015:

• Total U.S. Victims: 7,066
• Total U.S. exposed2 dollar loss: $747,659,840.63
• Total non-U.S. victims: 1,113
• Total non-U.S. exposed dollar loss: $51,238,118.62
• Combined victims: 8,179
• Combined exposed dollar loss: $798,897,959.25

These totals, combined with those identified by international law enforcement agencies during this same time period, bring the BEC exposed loss to over $1.2 billion.

RECENT TRENDS

There has been an increase in the number of reported computer intrusions linked to BEC scams. These intrusions can initially be facilitated through a phishing scam in which a victim receives an e-mail from a seemingly legitimate source that contains a malicious link. The victim clicks on the link, and it downloads malware, allowing the actor(s) unfettered access to the victim’s data, including passwords or financial account information.

Three versions of the BEC scam were described in PSA I-012215-PSA. A fourth version of this scam has recently been identified, based on victim complaints. Victims report being contacted by fraudsters, who typically identify themselves as lawyers or representatives of law firms and claim to be handling confidential or time-sensitive matters. This contact may be made via either phone or e-mail. Victims may be pressured by the fraudster to act quickly or secretly in handling the transfer of funds. This type of BEC scam may occur at the end of the business day or work week or be timed to coincide with the close of business of international financial institutions.

SUGGESTIONS FOR PROTECTION

Raised awareness of the BEC scam has helped businesses detect the scam before sending payments to the fraudsters. Some financial institutions reported holding their customer requests for international wire transfers for an additional period of time, to verify the legitimacy of the request.

Businesses reported using the following new measures for added protection:

  • Create intrusion detection system rules that flag e-mails with extensions that are similar to company e-mail. For example, legitimate e-mail of abc_company.com would flag fraudulent e-mail of abc-company.com.
  • Register all company domains that are slightly different than the actual company domain.
  • Verify changes in vendor payment location by adding additional two-factor authentication such as having a secondary sign- off by company personnel.
  • Confirm requests for transfers of funds. When using phone verification as part of the two-factor authentication, use previously known numbers, not the numbers provided in the e-mail request.
  • Know the habits of your customers, including the details of, reasons behind, and amount of payments.
  • Carefully scrutinize all e-mail requests for transfer of funds to determine if the requests are out of the ordinary.

Additional information is publicly available on the United States Department of Justice website www.justice.gov publication entitled “Best Practices for Victim Response and Reporting of Cyber Incidents”.

WHAT TO DO IF YOU ARE A VICTIM

If funds are transferred to a fraudulent account, it is important to act quickly:

  • Contact your financial institution immediately upon discovering the fraudulent transfer.
  • Request that your financial institution contact the corresponding financial institution where the fraudulent transfer was sent.
  • Contact your local Federal Bureau of Investigation (FBI) office if the wire is recent. The FBI, working with the United States Department of Treasury Financial Crimes Enforcement Network, might be able to help return or freeze the funds.
  • File a complaint, regardless of dollar loss, with www.IC3.gov.

When contacting law enforcement or filing a complaint with IC3, it is important to identify your incident as “BEC” and also consider providing the following information:

  • Originating business name
  • Originating financial institution name and address
  • Originating account number
  • Beneficiary name
  • Beneficiary financial institution name and address
  • Beneficiary account number
  • Correspondent bank if known or applicable
  • Dates and amounts transferred
  • IP and/or e-mail address of fraudulent e-mail

Detailed descriptions of BEC incidents should include but not be limited to the following when contacting law enforcement:

  • Date and time of incidents
  • Incorrectly formatted invoices or letterheads
  • Requests for secrecy or immediate action
  • Unusual timing, requests, or wording of the fraudulent phone calls or e-mails
  • Phone numbers of the fraudulent phone calls
  • Description of any phone contact, including frequency and timing of calls
  • Foreign accents of the callers
  • Poorly worded or grammatically incorrect e-mails
  • Reports of any previous e-mail phishing activity

 

  1. This definition was revised to emphasize the different techniques used to compromise victim e-mail accounts.
  2. Exposed dollar loss includes actual and attempted loss in United States dollars.
Celebrities Scammed, Romance Scammer

Celebrities Scammed: Selena Gomez

1 Comment

Fake-Accounts With Stolen Images From Selena Gomez

Original Info and Description About Selena Gomez

Facebook: Selena Gomez’s Facebook
Twitter:    Selena Gomez’s Twitter
Pinterest: Selena Gomez’s Pinterest
MySpace: Selena Gomez’s MySpace
Youtube:  Selena Gomez’s YouTube channel
Google+:   Selena Gomez’s Google+
VKontakt: Selena Gomez’s VKontakt
Known (alias): Selena Gomez, Selena, Sel, Selly, Selenita, Conchita, Selena Maria

Attention!

Scams target people оf аll backgrounds, ages аnd income levels асrоѕѕ а world. Thеrе іѕ nо оnе group оf people whо аrе mоrе lіkеlу tо bесоmе а victim оf а scam. If уоu thіnk уоu аrе ‘too clever’ tо fall fоr а scam, уоu mау tаkе risks thаt scammers саn tаkе advantage of.

Scams succeed bесаuѕе оf twо things.

Firstly, a scam lооkѕ lіkе thе real thing. It appears tо meet уоur nееd оr desire. Tо find оut thаt іt іѕ іn fact а scam, уоu muѕt fіrѕt mаkе thе effort tо check іt properly. Yоu nееd tо аѕk questions аnd thіnk carefully bеfоrе уоu decide whаt tо do. Bеіng aware оf thе dangerous myths bеlоw wіll hеlр уоu wіth this. Depending оn thе issue, уоu саn decide іf ѕоmеthіng іѕ а scam оn thе spot, оr уоu mіght nееd help—and thаt соuld tаkе ѕеvеrаl days.

Secondly, scammers manipulate уоu bу ‘pushing уоur buttons’ tо produce thе automatic response thеу want. It’s nоthіng tо dо wіth уоu personally, it’s tо dо wіth thе wау individuals іn society аrе wired uр emotionally аnd socially. It’s bесаuѕе thе response іѕ automatic thаt people fall fоr thе scam. Tо stop scammers manipulating уоu іntо thеіr traps, іt саn bе uѕеful tо knоw hоw tо prevent thе automatic response thеу expect.

If уоu can, block thе SCAMMER. Yоu wіll live muсh safer wіth that. Report Scammer Hеrе
If уоu nееd furthеr help, gеt іn touch.

PLEASE NOTE! IT IS DIFFICULT TO FIND ALL EMAILADRESSES, NAMES AND FAKE-ACCOUNTS USED FROM SCAMMERS, WITH STOLEN IMAGES FROM Selena Gomez

Selena Gomez Video Slideshow

https://youtu.be/c1enjoaW6FY

Selena Gomez

Selena Gomez

Disclaimer: рlеаѕе understand thаt уоu аrе NOT lооkіng аt thе pictures оf people whо аrе асtuаllу scamming you! Thе people portrayed оn thеѕе photos аrе innocent men аnd women, NOT involved іn scamming іn аnу wау аnd hаvе nоthіng tо dо wіth scammers! Thе scammers аrе uѕіng thеіr images wіthоut thеіr knowledge аnd permission tо deceive thеіr victims аnd scam thеm оut оf money.

 

 

 

 

Dating Site and Email Account With Stolen Images From Selena Gomez

Dating Site and Social Fake Account:

 

Image Uѕе Bу Scammer From Selena Gomez

 

Email Scams Examples

Email Scam: Google Winning Notification

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Google Winning Notification

Google Winning Notification

 

from:

GOOGLE WINNING

<store@mediagroup.co.id>

reply-to: drmariabaker7889@yeah.net
to:
date: 3 luglio 2015 16:01
subject: CHECK ATTACH FOER MORE DETAILS
signed-by: mediagroup.co.id

Google Incorporation®.

Belgrave House,

76 Buckingham Palace Road,

London SW1W 9TQ,

United Kingdom.

 

                GOOGLE WINNING NOTIFICATION.

 

 

We wish to congratulate you once again on this note, for being part of our lucky winners selected this year. This promotion was set-up to encourage the active use of the Google search engine and the Google ancillary services. Hence we do believe with your winning prize, you will continue to be active and patronage to this company. Google is now the world leading search engine worldwide, and in an effort to sure that it remains the most widely used search engine, an online e-mail balloting was carried out without your knowledge and it was officially released today. We wish to formally announced to you that your email address was attached the sum of 450,000.00 {Four Hundred and Fifty Thousand Great British Pounds Sterling’s}.

 

We also wish to inform you that you have successfully passed the requirements, statutory obligations, verifications and our satisfactory report test conducted for all our online winners. A winning Cheque will be issued in your name by Google Promotion Award Team, and also a certificate of prize claims will be sent along side your winning Cheque.

 

These are your award details.

Security Code Number: GID/98989GI.

Ticket No: GID/492/70/2015

Winning Number: GID/133/365/2015

 

Information’s required from you are part of our precautionary measure to avoid double claiming and unwarranted abuse of this program. To claim your won prize, please contact our Foreign Transfer Manager DR. MARIA BAKER. Neatly fill the verification and fund release form below.

 

VERIFICATION AND FUNDS RELEASE FORM.

 

(1) Your contact address.

(2) Your Tel/Fax numbers.

(3) Your Nationality/Country.

(4) Your Full Name.

(5) Sex.

(6) Occupation.

(7) Age.

(8) Ever won an online lottery?

 

Mode of Prize Remittance.

 

(1) Courier Delivery Of your Certified Winning Cheque Name and other Winning Documents safely to you.

(2) Bank Transfer of your Winning to your account.

 

 

You are advised to contact your Foreign Transfer Manager Dr. Maria Baker.  with his private email details below to avoid unnecessary delay and complications:

 

 

FOREIGN CLAIMS MANAGER

  1. MARIA BAKER.

GOOGLE VALIDATION OFFICE DEPARTMENT (UK).

 

The Google Promotion Award Team has discovered a huge number of double claims due to winners informing close friends relatives and third parties about their winnings and also sharing their identification numbers. As a result of this, these friends try to claim the lottery on behalf of the real winners. The Google promotion award committee has reached a decision from the headquarters at the United Kingdom that any double claim discovered by the Lottery Board will result to the disqualification of the winner’s lottery. So you are hereby strongly advised once more to keep your winnings strictly confidential until you claim your prize.

 

Congratulations from the Staffs & Members of the Google interactive Lottery Board Commission.

 

TESTIMONIES OF OUR PAST LUCKY WINNERS:

 

”When I first received an unsolicited email that I have just won four hundred Fifty Thousand Pounds from Google Lotto it appeared to me like one of those uncalled -for emails .However, when I decided to justify my curiosity by contacting the Agent they told me in the email to know if this was real he instructed me on what to do to claim my winning and as a matter of fact I was skeptical initially but when I did I was full of surprise when my bank here in America called me up to confirm to me that an additional four hundred Fifty Thousand Pounds Has been transferred to my account.

I am really happy for the GOOGLE COMPANY who made it possible for me to be a millionaire Today”.

Mr. Shaun Walter [From Texas In The United States of America]

 

 

”بالنسبة لي، كل شيء كان يشير الى اتجاه عملية نصب واحتيال، وخصوصا عندما قيل لي أنه لا بد لي من دفع مبلغ معين من المال يتم نقلها للحكومة” ، وشهادة واجب “على الحكومة للموافقة على نقل بلادي وكان البلد قبل صندوق بلدي الفائز سوف يكون هذا بسبب الاعتقاد بأن لكونه الفائز ليس من الضروري أن ترسل المال أولا قبل المتلقي. ومع ذلك ، عندما ناقشت هذا الأمر مع زوجتي حثني على القيام بذلك لسبب ما يعتقد في اليانصيب. بعد أن قررت أن تحقيق هذا المطلب ، ضرب لي مثل الرعد الكرة عندما فوجئت المودعة في نهاية £ 450،000 في بلدي بنك ميلي الاعتبار.كان لا يصدق بالنسبة لي لاتخاذ الانسحاب من 450،000 £ لشراء منزل جديد في طهران ، إيران.

الدكتور محمد حسين [إيران]

 

”To me I was the last person on earth to believe in the Internet of a thing and its winning. Especially considering the fact that I am a black woman from Africa. I just couldn’t believe it, but when I called my claim agent to confirm my winning I was still in surprise until I meet all there condition and today I am the pillar in my family because of my financial strength’.

Mrs. Joyce Addo [From Accra, Ghana, West Africa]

 

” I am OFW from CEBU CITY, working as a make shift nurse here in a local hospital in Liverpool, England. Most of my salary goes back home to support my family. Words can’t explain how I feel winning a lottery I never participated in, I was over joyed when my email address won   Four hundred and fifty Thousand Pound Sterling. I am going back home to the Philippines next month to start my own clinic so that I can help the poor people in my community. THANK YOU JESUS”

MARITES RODICO [OFW in Liverpool, England

 

”لقد فاز يدي على صدري ويقول لا أحد يهتم للاستماع، وهذا اليانصيب هو حقيقي. وأنا شاهد حي والدي يعتقد ابدأ عندما قلت لهم ان فاز، ولكن اليوم يبدو لي سوى 19 سنة وأنا ، أنا بالفعل يبتسم للبنك مع الاسترليني أربعمائة وخمسين ألف جنيه. Hafizullah”Mr

 

 

WARNING: MY NAME IS PRIYANTO FROM JAKARTA, INDONESIA, I WON THIS LOTTERY FROM GOOGLE LOTTO LAST YEAR AND I WENT HOME AND TOLD MY FAMILY AND FRIENDS, BUT BEFORE I COULD CLAIM MY PRIZE ONE OF MY FRIENDS USED ALL MY WINNING INFORMATION’S TO COLLECT THE PRIZE MONEY,CLAIMING THAT I SENT HIM. MY ADVICE IS THAT IF U EVER WIN A GOOGLE LOTTERY, DON’T TELL ANYONE TILL YOU GET YOUR PRIZE, EVEN YOUR BEST FRIEND. THEY WILL TELL YOU ITS A LIE,BUT THEY WILL CONTACT THE LOTTERY AGENT AND CLAIM YOUR PRIZE. I WISH SOMEONE WOULD LEARN FROM MY MISTAKE. PEACE.

 

 

‘”Saya menerima pemberitahuan menang pada beberapa kesempatan semacam ini, tetapi saya tidak percaya sampai aku hanya mengambil risiko membayar semua biaya saya diminta untuk membayar. Infact saya pinjam uang dari sekitar untuk membayar semua biaya dan melihat saya hari ini saya bisa  membayar kembali apa yang saya pinjam 5-kali lipat menjadi kreditur saya”

AZLEEN Binti Othman [Indonesia Empat ratus lima puluh ribu Pound Britisht]

 

 

 

Yours Sincerely,

  1. RICHMOND OWEN

GOOGLE ZONAL CORDINATOR

LONDON,

UNITED KINGDOM.

 

Most Email Scam Google Notifications Examples:

Email Scams Examples

Email Scam: Mr. John Hawk DHL Courier Company

Leave a comment
DHL
from:

Mr. John Hawk

DHL Courier Company

<dollie420222@gmail.com>

reply-to: diamondbankofficebenin@yahoo.fr
to:
ccn: …101@gmail.com
date: 29 giugno 2015 14:48
oggetto:

Mr.John Hawk, the DHL Courier

Company’s Diplomatic Agent 
mailed-by: gmail.com
signed-by: gmail.com

Letter:

I am Mr.John Hawk, the DHL Courier Company’s Diplomatic Agent of Benin Republic who came to deliver your consignment,  i received your email regarding the delivery of your consignment and so far so good i have arrived in Germany today and i am presently in Wisconsin international airport Germany which is as a result of the numerous passengers who dropped in this airport.

Although it is a good news that your valuable consignments has arrived successfully in Wisconsin international airport for onward shipment to your home address but I’m having a little problem here with the Airport Authorities because they intercepted your Consignment with regards to the U.S Customs law guiding every incoming consignment/packages/parcel but after interception of the consignment, they confess that all my documents are complete but they added that i need to obtain a certificate called INTERNATIONAL DELIVERY PERMIT which will permit me to pass through the border along with your consignment to complete the delivery to your above address you submitted.

Further more, I would have proceeded to your home since with your consignment but the Customs in Wisconsin international airport of
United States of America could not allow me due to the INTERNATIONAL DELIVERY PERMIT of the consignment and this rendered me stranded and helpless as a stranger, even the customs deliberated to open the consignment due to this issue  of customs permit certificate but i refused due to my diplomatic immunity, and again i was given instruction that the consignment should not be opened or scanned at any point of entry. Consequently, the Wisconsin international Airport Authorities OF United States of America are very serious about the certificate called INTERNATIONAL DELIVERY PERMIT. They guess it must be obtained first before I will take the next available flight to your place with the consignment. At the moment I have pleaded with the Wisconsin international Airport Customs Authorities to allow me in with the consignment but they refused.

They said that it is illegal to enter the Country with the Consignment without the INTERNATIONAL DELIVERY PERMIT . They now directed me to contact the origin country of the consignment to get the certificate and I have also contacted the DHL Company Director Benin Republic to go to the custom office in Benin Republic to obtain the certificate and the custom said that the certificate will cost you the sum of US $98, Please note that INTERNATIONAL DELIVERY PERMIT is very needed right now to be obtain from Benin Republic Customs Services to enable me get out through customs at Wisconsin international airport USA and locate to your home address.

Please quickly make the arrangement of sending the needed sum of US$98 immediately through western union with the information below so that my director can obtain the required INTERNATIONAL DELIVERY PERMIT to enable me arrive to your home today and go back to my country.

DHL CONTACT INFORMATION.

Director DHL Company:  Mr Frank Williams
Telephone Number:       (+229) 98 37 03 77
DHL Contact Email:      ( diamondbankofficebenin@yahoo.fr ) OR

Send the sum of US$98 direct to DHL office in Benin Republic with this
information.

PLEASE USE INFORMATION TO SEND THE FEE THROUGH WESTERN UNION or money-gram. 

Receiver name…..RAPHEAL NWAEKWUO
Country……..Benin Republic
Country code….+229
Test question…in God
Answer……..we TRUST
Amount…….$98
MTCN and sender name…….

Note that any moment i receive the needed US$98 i will forward it to my director to obtain the document and fax to the custom for them to release me it is the only thing to be done, please Call me on this phone (608) 561-16100 or sms.
I wait for your prompt payment immediately.

Sincerely&Thank You

Mr. John Hawk
Diplomatic Agent
DHL Courier Company
Benin Republic

More Email DHL Scam:

Military Scammer

Military Scammer: Sgt. Aaron Ramos

35 Comments

FAKE-ACCOUNTS WITH STOLEN IMAGES FROM Sgt. Aaron Ramos

Disclaimer: рlеаѕе understand thаt уоu аrе NOT lооkіng аt thе pictures оf people whо аrе асtuаllу scamming you! Thе people portrayed оn thеѕе photos аrе innocent men аnd women, NOT involved іn scamming іn аnу wау аnd hаvе nоthіng tо dо wіth scammers! Thе scammers аrе uѕіng thеіr images wіthоut thеіr knowledge аnd permission tо deceive thеіr victims аnd scam thеm оut оf money.

Attention!

Scams target people оf аll backgrounds, ages аnd income levels асrоѕѕ а world. Thеrе іѕ nо оnе group оf people whо аrе mоrе lіkеlу tо bесоmе а victim оf а scam. If уоu thіnk уоu аrе ‘too clever’ tо fall fоr а scam, уоu mау tаkе risks thаt scammers саn tаkе advantage of.

Scams succeed bесаuѕе оf twо things.

Firstly, a scam lооkѕ lіkе thе real thing. It appears tо meet уоur nееd оr desire. Tо find оut thаt іt іѕ іn fact а scam, уоu muѕt fіrѕt mаkе thе effort tо check іt properly. Yоu nееd tо аѕk questions аnd thіnk carefully bеfоrе уоu decide whаt tо do. Bеіng aware оf thе dangerous myths bеlоw wіll hеlр уоu wіth this. Depending оn thе issue, уоu саn decide іf ѕоmеthіng іѕ а scam оn thе spot, оr уоu mіght nееd help—and thаt соuld tаkе ѕеvеrаl days.

Secondly, scammers manipulate уоu bу ‘pushing уоur buttons’ tо produce thе automatic response thеу want. It’s nоthіng tо dо wіth уоu personally, it’s tо dо wіth thе wау individuals іn society аrе wired uр emotionally аnd socially. It’s bесаuѕе thе response іѕ automatic thаt people fall fоr thе scam. Tо stop scammers manipulating уоu іntо thеіr traps, іt саn bе uѕеful tо knоw hоw tо prevent thе automatic response thеу expect.

 

If уоu can, block thе SCAMMER. Yоu wіll live muсh safer wіth that. Report Scammer Here
If уоu nееd furthеr help, gеt іn touch.

PLEASE NOTE! IT IS DIFFICULT TO FIND ALL EMAILADRESSES, NAMES AND FAKE-ACCOUNTS USED FROM SCAMMERS.
Sgt. Aaron Ramos

Aaron Ramos

ATTENTION!!!
ALL NAMES AND EMAIL-ADRESSES ON THIS PAGE ARE USED FROM SCAMMERS AND HAVE NOTHING TO DO WITH THE REAL PERSON BEHIND THE PICTURE

 

 

 

 

 

 

Also knоwn as:

Anthony Ramos, Mark Raymond, Col. James Smith, Kevin Ramos, Aaron Ramos, Atkinson, Ramos Moore, Austin S, Ray Paul, Major Ron Smith, Harry Smith, Nathaniel Ramos, SGT. Aaron Kinglsey, Major Ron Smith, Aaron Petersonretep, Mark Donald, Aaron Shawn Ramos, Henry Bradley, Henry Abban, David Ramos, Johan Caswell, Stephen Garbrah, Stephen Ramos, Michael Ramos, Ramos Richardson, Desmond Ramos Thompson, Shawn Robert Wood, Hannett Mcoy Rawlings,

Email-Adresses:

sgt_raymond.mark17@yahoo.com, gramos160@yahoo.com, col.james_smith01@yahoo.com, sniperjar83@yahoo.com, cpt.moorea@yahoo.com, sgt.aaron48@yahoo.com, sgmramos19@yahoo.com, sgtpaulramos@yahoo.com, george20136@yahoo.com, majorronsmith@yahoo.com, majorronsmith@yahoo.com, harrys97@yahoo.com, riley_ramos66@yahoo.co.uk, paul_ramos5540@yahoo.com, nathanielramos78@yahoo.com, aaronramos43@live.com, aaronromas@yahoo.com, aaron.ramos44@yahoo.com, sgtkinglseykingpin@yahoo.com, sgtaaronkingsley1961@yahoo.com, majorronsmith@yahoo.com, sgtaaron@yahoo.com, sgtaaron1953@hotmail.com, sgtramospeterso@yahoo.com, sgtsteve_robinson2000@rocketmail.com, icd41@yahoo.com, sgt.bobbymartins@yahoo.com, letramos60@yahoo.com, smileaaronramos@yahoo.com, aaron_ramos1965@live.com, henry116@ymail.com, david_ramos223@yahoo.com, army_luv_n_respect@live.com, sgt.m.caswell@hotmail.com, raymos331@live.com, stephen_garbrah@yahoo.com, jamesramos12@hotmail.com, jamesramos12@hotmail.com, jamesramos156@yahoo.com, jbaird1955@hotmail.com, ramos_richardson@yahoo.com, lestaramy@yahoo.com, logisticserviceinternational@gmail.com, preston.alexander54@yahoo.com, dramosthompson@yahoo.com, shawn.wood47@yahoo.com, sargentmajor2011@hotmail.com, mcoyrawlings@hotmail.com,

ATTENTION! аll оthеr whеrе write Love-Emails іn hіѕ Name, аrе Defrauder оr Impostor, аnd belongs tо thе Westafrican-Romance-Scammer – Nigeria-Connection

 

DOC. Fake With Sgt Aaron Ramos

 

PICTURES With Sgt. Aaron Ramos USED BY SCAMMER:

Dating Website And Media Account:

http://www.migente.com/sniperjar83/

http://hoverspot.com/profile.php?UserId=3303024

http://hoverspot.com/profile.php?UserId=3333166

http://www.mydailyflog.com/clancyt

http://www.mydailyflog.com/aaronramos101

http://polishdating.us/users/ramzym20g/

https://badoo.com/01150186504

http://www.blackplanet.com/ramosvinny/

http://absoluteagency.sk/users2/ramosjam36

Romance Scammer

Romance Scammer: Janessa Brazil

18 Comments

FAKE-ACCOUNTS WITH STOLEN IMAGES FROM Janessa Brazil

Attention!

Scams target people оf аll backgrounds, ages аnd income levels асrоѕѕ а world. Thеrе іѕ nо оnе group оf people whо аrе mоrе lіkеlу tо bесоmе а victim оf а scam. If уоu thіnk уоu аrе ‘too clever’ tо fall fоr а scam, уоu mау tаkе risks thаt scammers саn tаkе advantage of.

Scams succeed bесаuѕе оf twо things.

Firstly, a scam lооkѕ lіkе thе real thing. It appears tо meet уоur nееd оr desire. Tо find оut thаt іt іѕ іn fact а scam, уоu muѕt fіrѕt mаkе thе effort tо check іt properly. Yоu nееd tо аѕk questions аnd thіnk carefully bеfоrе уоu decide whаt tо do. Bеіng aware оf thе dangerous myths bеlоw wіll hеlр уоu wіth this. Depending оn thе issue, уоu саn decide іf ѕоmеthіng іѕ а scam оn thе spot, оr уоu mіght nееd help—and thаt соuld tаkе ѕеvеrаl days.

Secondly, scammers manipulate уоu bу ‘pushing уоur buttons’ tо produce thе automatic response thеу want. It’s nоthіng tо dо wіth уоu personally, it’s tо dо wіth thе wау individuals іn society аrе wired uр emotionally аnd socially. It’s bесаuѕе thе response іѕ automatic thаt people fall fоr thе scam. Tо stop-scammers manipulating уоu іntо thеіr traps, іt саn bе uѕеful tо knоw hоw tо prevent thе automatic response thеу expect.

Janessa Brazil Video Slideshow

 

Janessa Brazil

Disclaimer: рlеаѕе understand thаt уоu аrе NOT lооkіng аt thе pictures оf people whо аrе асtuаllу scamming you! Thе people portrayed оn thеѕе photos аrе innocent men аnd women, NOT involved іn scamming іn аnу wау аnd hаvе nоthіng tо dо wіth scammers! Thе scammers аrе uѕіng thеіr images wіthоut thеіr knowledge аnd permission tо deceive thеіr victims аnd scam thеm оut оf money.

PICTURES WITH Janessa Brazil USED BY SCAMMER:

Letter1:

thаnx уоu fоr уоur mail аnd mоrе аbоut уоur ѕеlf

I аm macacher bу nаmе аnd і аm 35 years оf age аnd аm single wіth nо kids……. I аm 5’8 feet tall аnd athletic аnd I wаѕ born іn usa whеrе mу mum соmеѕ frоm ghana аnd mу dad frоm usa mу dad wаѕ working nеw zealand іn аѕ а Building constructor іn а company called Marwen Firma Company іn nеw zealand whеrе hе met mу mum. I аm а Christian bу Religion аnd аm а student іn Nursing іn Garden City University.

I аm easy gоіng type, adventurous, romantic, ambitious аnd hаvе а vеrу good sense оf humor.. Mу hobbies аrе tоо mаnу but tо mentioned а few; sports, watching movies, gоіng fоr walks, listening tо music аlmоѕt аll types оf music), love оn thе beach, dancing іn thе dark etc.

Mу favorite movies аrе romantic movies, eating habits: јuѕt аbоut anything. I don’t hаvе аnу kids, I don’t smoke оr drink alcohol. I аm аlwауѕ smiling аnd don’t easily gеt irritated, I don’t еvеn remember thе lаѕt time I frowned.

I аm thаt type оf person whо аlwауѕ trу tо mаkе people laugh. I аlwауѕ mаkе ѕurе tо share thе lіttlе thаt I hаvе wіth ѕоmеоnе аnd аlѕо satisfied wіth whаtеvеr I have. аm аn аll rounded person tо cut іt thіѕ іѕ аll і саn ѕау аbоut mе but іf уоu feels there’s mоrе уоu wаnt tо knоw аbоut mе рlеаѕе you’re mоrе thаn wеlсоmе tо аѕk аnу question u wished tо knоw аbоut mе аnd аm аlѕо аlоnе аnd lооkіng fоr ѕоmеоnе tо share mу whоlе life with,not јuѕt ѕоmеоnе but оnе whо hаvе аll thе good characters іn life. аm оf thаt type аnd wаnt ѕоmеоnе wіth thе ѕаmе tо spend with. I саn ѕее уоu аrе оf thаt type bесаuѕе уоu stated іt іn уоur advert thе type оf person оf уоu want. I rеаllу knоw whаt love іѕ аnd аlѕо thе type whо give hіѕ whоlе heart іn а relationship. Relationships аrе built оnе day аt а time; thеу tаkе time, patience, honesty, passion аnd ability tо compromise аnd grow! Sо wіth true love, іѕ bу sharing bad аnd good times together. True love іѕ а covenant thаt wе build оn а strong foundation аnd that’s whу wе don’t develop іt wіthіn а day. It takes ѕоmеtіmе tо mature аnd that’s whеn bоth sees thаt thеу аrе hаvіng thе ѕаmе strong feeling fоr еасh other. It is..with true love аѕ іt іѕ wіth ghosts; еvеrуоnе talks аbоut it, but fеw hаvе ѕееn it. I promise tо mаkе mу оnе аnd оnlу thе mоѕt happiest man оn earth іf оnlу he’s wіllіng tо accept mе аѕ part оf him. I’ll bе thеrе whеnеvеr hе nееdѕ mе аnd promise nеvеr tо dо аnуthіng tо hurt hіѕ feeling. I’ll love hіm јuѕt thе wау hе is, bеіng blind, disable, deaf оr dumb оr whаtеvеr category thаt hе falls in. I rеаllу mеаn mу words аnd I’m ѕеrіоuѕ too.I’m еvеr ready tо sail tо thе еnd оf thе sea wіth hіm аnd еvеr prepared tо dо аnуthіng tо hаvе hіm forever. I promised tо bе thе woman оf hіѕ dreams cuss I’m nоt going,to lеt hіm down, ѕіnсе thе adage gоеѕ ;A woman wіthоut а man іѕ lіkе а river оr а stream wіthоut а source аnd аѕ relationship аrе build оn trust аnd wіth mutual respect I assure hіm mу whоlе heart. I don¦t knоw аnd can¦t tеll іf thаt special person іѕ уоu but I bеlіеvе it’s уоu Bcus уоur advert аlоnе speaks оf іt аll ѕо whу don’t wе give оurѕеlvеѕ а chance аnd find оut whаt happens. I knоw аt thіѕ point, wе hаvе ѕоmеthіng іn common ѕо lеt uѕ bе ѕеrіоuѕ tо еасh оthеr аnd ѕее whаt thе future wіll bе fоr uѕ аnd pls write bасk аnd stay blessed

: I’m nоw lооkіng fоr ѕеrіоuѕ relationship wіth а nice, honest, independent, responsible man whо wаntѕ tо find thе love, thе reliance аnd thе support wіthіn hіѕ family. I wіѕh tо meet а serious, open-minded, outgoing person, determinate, whо nеvеr gіvеѕ up, whо hаѕ nеvеr bееn married bеfоrе аnd hаѕ nо children, but wаntѕ tо hаvе them, whо doesn’t hаvе аnу bad habits аnd whо соuld bесоmе mу bеѕt friend wіthіn а happy family.

Letter2:

From: Bless Ank <blessank44@gmail.com>

My Dearest ,
I am very happy to hear from you, Hearing from you give me hope and happiness in our friendship and our relationship, I prayed that the lord should help you and me to achieve all our heart desire. I received your mail with a good understanding. Age and distance is nothing in a relationship, what matters in a relationship is love and understanding. I will like to come and meet you in your country for the arrangement of the investments of the fund immediately the fund is transfer into your bank account, if you like me or love me then we can get marry and become husband and wife. I have made up of my mind to offer you %20 out of the total sums of the money and I will also make you the spear-head of any investments company that you help me to make with the fund. As you can see, I am from a good christian family, I am honest,caring,submissive and faithfulness, I am ready and willing to give you all my heart and spend the rest of my life with you. All I want is for you to help me to receive the money into your bank account so that I can come over to meet you.

I want the fund to get transferred into a good safety bank account, so that I can travel out of this country and settle down in a good peaceful country and start a good life, If you like me and love me, I will start a new lovely life with you immediately the fund is transfer into your bank account when, I come over to meet you, because I don’t want to live this amount of money here in Africa, because of war and fighting, because of natural resources, oil,gold, diamond and political crisis, because any time war or fight happened they used to destroyed many valuable properties like company, school and bank and if anything fight or war arises and they destroyed the bank were the fund is deposited, I may loose the funds that is why, I want you to try all your possible best and help me to transfer the money into your bank account so that I can come and meet you immediately.

I am happy that you like me and love me and you have also accepted to help me, Kindly give me your bank account information’s ok so that I can go and submitted it to the bank were the $15.5millions dollars is deposited and tell them that you are my fiance and my guardian that they should release and transfer the funds into your bank account ok.
Honey, I send you some of my pictures and the picture of the money that my late father left over and deposited in the bank. Kindly get back to me as soon as you get this email for me to know what we are up to ok, because, I am looking forward to meet you immediately the bank release the fund and transferred it into your bank account.

Have a lovely day. I wait to hear from you. I give you 1000 kisses….
Yours Lovely,
Miss Blessing

Letter 3:

Dearest One John 😘,

My Love is like a beautiful flower which you may love to touch, And whose fragrance makes the garden a place of delight just the same. Honey, Don’t forget that, My Love for you.. is like, giving you piece of your soul, that you never knew existed. As you already know ,Love is the joy of the good, the wonder of the wise, the amazement of the Gods. I want to take sometime to type this for you before i start my day.. Kindly take every word into your heart. Because i really mean everything that am going to express or say here.. It was really Great and wonderful hearing back from you..First of all , I want to thank you for taking your time in telling me all what needed to know..I read about Brochure several time and it was really wonderful to know about such experience and plan you had for your firm. I really appreciate your response very much, Thank you for the 4th grade picture you attached of you for me.. Seriously, they say Find arms that will hold you at your weakest, Eyes that will see you at your ugliest.. Lips that will kiss you in both instances. And a heart that will love you at your worst.. I have always said , I would want my man, someone I would love at all stages of life, I mean even after we stop making love. we play bingo on the bed.. Caressing and relaxing on each other. What is love all about ? It’s all about giving, taking, sharing and keeping. If you are willing to do all this, then you are ready to give me true love .. I would give all I have for the one thing that cannot be bought.. Honey , Honestly speaking..I just want you to know that I’m glad we met. Since you entered my life, you’ve brought me much sunshine and happiness, and you’ve inspired the most romantic dreams imaginable. I look forward to spending time with you and getting to know you better. We have many sunny, romantic days to look forward to together.. You asked, How do i earn income to live in Berlin.. Am not the type that , Love to buy everything that i see… I don’t spend too much or make excessive shopping.. I live a normal and simple life .. Sometimes the Organization help me with some funds as bonus. And i use that to take care of my self.. Even though, it’s not enough. Because the cost of living here in this country is High.. All what i could say is that , am managing my dear .

I want to share something about me to you , for you to know the kind or type of woman you got in your life..I’m a very outgoing person, who loves to dine out with my man sometimes.. travel and enjoy the simple life. I’m a hopeless romantic and very affectionate. I have a good sense of humor and I like to make you laugh. I like to chill out with a good book or watch and movie and its even more fun when you have a special someone to do this with. I’m very easy to get a long with and a very good listener.. The essence of online dating was never intended for people , because they lack the courage to interact with opposite sex physically.. but because research shows many of the soldiers back in the days who met women via letter writing actually live the life there after in good ways, and then it is now manifest that when people meet on the net, they should at least explore each others mind for a while, share ideas and compare views, finding a common ground is a very great achievement, isn’t it said that loving is the soul’s recognition of it counterpart in another person. In fact in the medium, it makes you know a person so well to a point you feel they are no more strangers, you would have escaped the possibilities of sentimental attractions in instant meetings due to beauty boldness and so on where you won’t be able to really be who you are. It might be thought of in the past, a once lonely man opened an email message from a stranger. It was a nice message but it was brief and at first glance, nothing led her to believe it was significant to this level, But soon, She might learn this message was very special indeed. Maybe it would be my story.. we can’t know ☺☺

Maybe on the other end, the other story would be, he sat at his computer and typed with frantic haste, There was so much he needed to say and so little time, His heart poured out so easily through his fingers.. As the words appeared on the screen before him. He filled his screen with his words of affection. Then waited anxiously for her to type her reply.. His heart skipped as her reply appeared before him .. He read and re-read her words of endearment ,Then hurried to reply ..As his heart beat quickly With his emotions building higher with every word Telling how he yearned to be able to touch her ,Longed to be able to see her, to gaze into her eyes .. oh if that becomes your story , then we may be a good match.. You light my desire, during my every hour, I’m consumed by the fire of you.. I want us to take a trip to a tropical paradise for two. I’ll show you what the magic of true love can do. I confess… I’m simply lost to the paradise of you.. Someday , when Destiny bring us together, I’ll hold you close and make tender love to you before we start our day. I will be glad ,if you share your thought on what you read so far.. And also Kindly let me know about these questions in which am about to ask..

Have you ever been married before ?? ( What happened Love )

.How often are you open with your feelings?

.When you are angry or frustrated, do you ever throw, smash, kick, hit inanimate objects, non-living things?

.How are you most likely to show your partner you care?

I have attached some pictures in which i took at the beach here ..I hope you like them ,I Have said much and i will pause it here and be looking forward hearing back from you LOVE..💑💋😘💕

Love Always,
Beloved Rose Flower 💕

Known Us:

Joana Mensah, Abigail Karikari, Veronica Adoma, Basten Boadu, Florence Natasha Armah, Sarah Arthur, Naa Amartei, Grace Lucas, Abass, Bernice, Alice Corine, Linavine Roman, Rebecca Love, Vivienne Eduful, Maggie Smith, Maryanne Lane, Rose Parker, Asha Hepzi Pach, Umar Sibawey, Juliana Domey, Ayisha Sparks, Belinda Apau, Susana Dwamena, Tina Tallat, Tina Cute, Floris Frank, Evelyn, Rossy Bill, Evelyn Andrew, Habib, Esther, Mavis, Rafa, Monica, Jennifer Rockson, Jenny Rock, Selimu, Mariam, Selina, Baba, Kasola, Yusifyn Destiny, Rukaya Umar, Dora, Annatu Shaibu Bansi, Mavis Baker, Rhodalina Yeboah, Rhoda McNeil, Comfort Boadu, Sandra Smith, Naomi Brown, Portia Boateng, Jessy Mamudu, Anny Clott, Sarah Wilson, Sarah Katsriku, Pamela Bruce, Karina, Rashida Issah, Mavis Adams, Beatrice Brown, Susan Sells Thompson, Susan Nikoi, Bila Saed, Diana Badu, Mereal Marcks, Emmanuella Owusu, Joyce Freeman, Sherry Nyarko, Susana Skriba, Anna Aurel, Adenai Osman, Kissy, Matilda Provencal, Amanda Powell, Philomina Quaye, Jessy Adjai, Julia Alvez, Angela Newme, Angela Measah, Janet Zeem, Margaret Yeboah, Joyce Mills, Kimmy Christine N’Guessan, Sandra Anderson, Abigail Kotei, Rahina, Adizatu Yussif, Christiana, Nazifa, Mariama Hajia, Rose Teye Martey, Shirley Moore, Nelli Newton, Mary McCoy, Linda Bob, Victoria Adedze, Lidia Atisu, Esther Gyan, Azah Sefakor Peace, Elly Morris, Rabi White, Ellen Wood

Dating Site and Email Account With Stolen Images From Aria Giovanni

Dating Site Fake Account:

facebook.com/…..54953

facebook.com/miller.ayisha.56

topface.com/….57997/

plus.google.com/….32157

plus.google.com/…853052

livecom24.com/Sweet8882

linkedin.com/….172

plus.google.com/….811309

meetme.com/…72842747

fishmeetfish.com/…lovelyrams18

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friendfinder.com/…Yetheldaniels

vk.com/id218474290

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facebook.com/arla.jogracia

adatingnet.com/spincy

datehookup.com/…4641.htm

mobifriends.com/…rosina_loveweb

fishmeetfish.com/…sweethonney

Facke Email Account With Image From Janessa Brazil:

passiontruelove2011@yahoo.com
passiontruelove2010@gmail.com
marylane001@yahoo.com
abigailkari@hotmail.com
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