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Cheque Scam

Discussion in 'The Shit List' started by mrmidjam, Sep 17, 2009.

  1. mrmidjam

    mrmidjam Regular Member

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    I have a mate that has been scammed and i`m a little worried that he may do something stupid.

    I get tons of these type of scams in my inbox every week but i have never heard of this one, but did some research and it has been around a while.

    He contacted someone who posted a work position on gumtree who then asked for his name and address and sent him a cheque for £4,600, i wish he would have contacted me then as i would have told him to just ignore it, but he went and banked it that same day greedy basterd!

    He then recieved an email asking him to send £4,100 to a western union account and keep £500 for himself as an advance, this is where he brought me into this mess. I checked out the emails and they are just generic emails from an yahoo account setup with some kind of autoresponder. And none of the contact details add up, differant names on cheque and emails address and so on.

    Ok so i`m guessing that this guy has robbed the cheque book some how as it comes from a very posh UK bank not sure if he could setup a fake one.

    Googled the name on the cheque and came up with just one result from some real estate agent selling multi million dollar appartments in new york, this may not be the same person but my mate saw this and is thinking of keeping the cheque (IF IT CLEARS) which i hope it doesn`t as he says that if the guy is a multimillionaire he wont miss a few grand. (Greed is an ugly monster) If it was me i would take it personal!

    He figures that there is no evidence that he had anything to do with where ever the cheque came from, so he can just take the cash say it got robbed or sent back to the scammer and when the bank find out about it just pay them back at whatever he can afford. But i`m not sure it would be the bank that would be trying to get the money back.

    The guy is married with 4 kids and has worked all his life, never done anything criminal in his life he is a great guy would do anything for you.

    I need some advice on how to convice him to just leave the money (IF IT) clears and tell the police. Or am i just being to paranoid?
     
  2. bert6911

    bert6911 Registered Member

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    It definitely a scam, heard of this many times before. Tell him to go to the fuzz immediately, hes only going to get into trouble if he tries to be sneaky and keep the money.
     
  3. DrJekyll

    DrJekyll Senior Member Premium Member

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    Tell him not to spend any of the money, the check will not clear

    advise: do whatever you have to, he will loose big if you dont

    and if it does clear, thats money laundering=jail
     
  4. dvdcowboy

    dvdcowboy Junior Member

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    Old scam, check won't clear and the police will investigate him if he tries to cash it.
    Best bet is take the check to the police and report it.
     
  5. mrmidjam

    mrmidjam Regular Member

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    Thanks guys for your replies i`m really worried for him now!!!

    If anyone else wants to add comments, that would be great as I plan to show him this thread to help convince him.
     
  6. mrmidjam

    mrmidjam Regular Member

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    Sorry double post
     
  7. Trueblood

    Trueblood Regular Member

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    Oldest scam in the book. He ends up sending the dude $3,500 and the $4,000 check bounces. Any minute now the bank will call him up saying the check was bogus. NOW he will be owing the bank $4,000 and the other dude is laughing at the strip club.
     
  8. Defon

    Defon Regular Member

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    I use to work at a bank... sucky job. Not a big deal for your friend. Just don't use the money... it iwll bonce. Our customers use to get charged $6 for the check boncing... but nohting else. Maybe complete a form for the security department.

    But some of these checks are such good fakes they are printed on REAL BANK CHECKS and have reall account #s. So sometimes the bank will actually send the money, then the owners will see it wsan't authorized.. send it to the fraud department. It can take 4 to 6 weeks. Mean while anyone with good standing with there bank will have the check clear... so it would seem. Then when the fraud department of the one bank talks to your bank. BAM!!!!

    I had a friend this happened to in 1998. He sold a Honda motor to a fake guy in TX. Lost $4,000 .. he had th emoney in the bank and had no over draft issues... but never saw that motor again.

    Also if the fraud is out side of the country the Feds will not chase anything over $4,998.00. This is why every time it will be at or under this amount. Image know exactly where this jerrk lives and the feds tell you to go take a hike, it's not worth thier time.

    This dollar figures change all the time... so maybe the dollar figure will get lower, or already has. So you crazy scammers reading this... do your home work first... I worked at a bank 5 years ago. lol
     
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  9. mrmidjam

    mrmidjam Regular Member

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    Ok guys thanks for the comments but he is determined to get the cash, greed has taken over so what would be the worst case scenerio?? Having to pay back the bank monthly or some kind of criminal conviction.
     
  10. popcrdom29

    popcrdom29 Jr. VIP Jr. VIP Premium Member

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    This scam has been around for a while. I'm sure he hasn't heard of it and I'm very surprised that he even fell for it.

    If he cashes that check, it will definitely come back as nonsufficient funds. He will have to eventually pay it back or possibly get his account closed. He should follow some of the advice given above and not cash it, don't send the money.
     
  11. shade

    shade Junior Member

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    I"m guessing this is the U.S.?

    Here's how it goes. It takes an average of seven days to clear a check in the United States. However, U.S. law requires that banks allow access to the funds within five days.

    Therefore, there is a two day 'float' period in which he has 'free money'.

    The scammer will then request that he sends a portion of it back: usually 50%

    scammer --> $20,000 check -->victim --> bank --> float --> victim --> $10,000 wire --> scammer

    Now, after, the two day float period has ended; the check will bounce, the transaction is reversed and the victim is left with a -$10,000 bank balance.

    Don't fall for that shit. Even if the check clears it will be reversed.
     
  12. Peepers

    Peepers Junior Member

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    That's crazy. He'll regret he took that cash, I gaurantee ya. You should show him this thread.
     
  13. garciabogard

    garciabogard Regular Member

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    kidnap his wife and demand £4,500 as ransom :p
     
  14. stoned

    stoned Registered Member

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    could you please knock him out the next time you see him for believing such crap ?
     
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  15. mrmidjam

    mrmidjam Regular Member

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    He is pretty new to the net and a very trusting guy.

    The thing is that he has already spend the money in his head which is lethal and he figures that it would be just like a loan from his bank that he has no way of getting legitimately, which can be paid back whatever he can afford monthly.

    I have spoke at length to him about this and he has made up his mind.

    :hmmm:
     
  16. stoned

    stoned Registered Member

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    could you please knock him out the next time you see him for believing such crap ?
     
  17. mrmidjam

    mrmidjam Regular Member

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    Double post AGAIN! sorry
     
    Last edited: Sep 18, 2009
  18. stoned

    stoned Registered Member

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    soorryyy double post
     
    Last edited: Sep 18, 2009
  19. wowhaxor

    wowhaxor Executive VIP Premium Member

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    If he is honest he will not get into any trouble but they check will not clear. This is a very common scam. Usually they try to purchase something and say like:

    "I have a check for $5,000 that is coming and I will put it in your name, you can send me the item and keep the price of it plus $300 for your troubles, thanks!"

    Then they follow up demanding the money sooner before they check gets a chance to bounce back (out of area check that takes over a week to fail to clear) so they get your cash and you get screwed.
     
  20. Zo0mer

    Zo0mer Registered Member

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