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How can I cash this lottery check and not be scammed?

Discussion in 'BlackHat Lounge' started by Orangecat, Sep 8, 2008.

  1. Orangecat

    Orangecat Registered Member

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    So I got one of those age old scam letters in the mail today. Says I won a bunch of money in a Canadian lottery, and they included a check for $4,000 as "part of my winnings"

    The check itself is real. It from Wachovia bank and apparently from a real company.

    However, I'm not stupid enough to believe that I actually won this money, considering I never even entered a Canadian lottery...being from the US and all.

    I'm assuming they want me to cash it so they can somehow gain my information and steal what's in my account, right?

    Well, what if I opened a brand new checking account, with diddly squat in it, and deposited this check there? If by some miracle it clears would I be home free?
     
  2. DrJekyll

    DrJekyll Senior Member Premium Member

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    I got one of these, the bank said it was a real check, but after explaining the deal they told me it will probably go to an account that dont exist.

    They want you to western union them 2k so you can claim i think it was 55k.

    Anyway, If you are in the usa, and you have a bank account in the negative, you can not open a new account until the balance is at least 0.

    So, you can see if you can make a purchase with it, or some check cashing place, but you need id and I am sure they will come after you.

    I thought about it also, but not worth the problems
     
  3. mwari23

    mwari23 BANNED BANNED

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    dont even think of cashing it. the way it works is that you deposit the check in your account. then you withdraw the amount that you are supposed to send them and you keep the rest. but what happens is when you send them their cut(lets say its $2000). they get $2000 and the check bounces leaving you to pay back the bank $2000 that you didnt have not to mention overdraft fees if your account is low. so a $4000 check could easily become $4000 or more problem for you. Plain and simple, the check is bogus so tear it up and forget about it. it will save you a whole lot of trouble and heartache. i got one a few years ago and did some research and came across some real horror stories on this. so i tore it up and trashed it. and glad i did.
     
  4. genie1

    genie1 Junior Member

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    take it to the bank and have them analyze it. I get LOTS of these weekly as I rent apartments to students abroad. Most of the time the bank managers and I chuckle at how poorly made some of these counterfeits are. They definitely appreciate me bringing them in however as they all get sent to authorities to further follow-up. I have even been getting real looking walmart gift certificates and money orders lately. Must be their new tactic lol
     
  5. shylesson

    shylesson Power Member

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    You can also run across troubles with the law for depositing the crappy check that you have to 'cover' as well.
     
  6. htdmg

    htdmg Newbie

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    I used to get the email from the deposed prince of something but I finally turned it around and started emailing them from a throw away address asking for an advance on my fee for whatever. I talked about my sick with cancer wife and staving kids and how I really needed an advance before I could help them get money out of the country.

    I guess the stupid emails I sent back got around and I don't get email from the prince anymore.
     
  7. BozoClown

    BozoClown Junior Member

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    No body can scam you just by cashing a check. I doubt it is real. But if it is, hey you're lucky get take the money and don't reply.

    The check owner has no way of knowing which account or even bank the check was deposited to.

    However be aware of some high end scams that first give you money to earn your trust. That is why I say deposit it and do not reply.
     
  8. kyrash

    kyrash Junior Member

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    Do not deposit that cheque into your account. Tear it up or send it to the bank to sort out with the authorities. You can not cash it (even if it is possible do so) and walk away free.
     
  9. xxfactorxx

    xxfactorxx Newbie

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    Bro dont bother, chances are you are going to get caught and it will definitely not be worse the hassle.
     
  10. gundamwing

    gundamwing Jr. VIP Jr. VIP Premium Member

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    its another advance scam
     
  11. DeadEyesOpened

    DeadEyesOpened Junior Member

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    Do not take the above advice, you will be sorry if you do.
     
  12. delmages

    delmages Jr. VIP Jr. VIP Premium Member

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    No, you will not be "home free". There is no way in hell that this check is going to clear. Here is what is going to happen if you follow your proposed method.

    You go to a bank, open a brand new checking account with minimal funds in it. You deposit the fraudulent check. If by chance the bank is stupid enough to front you the cash, then you are temporarily $4000 richer. However, most banks will not cash the check unless you have at least that amount in your account to cover the check should it not clear, unless the check is from a very reputable source. (IE, the government, a local business, a college or university, etc.)

    So, assuming your plan works (temporarily), you have your $4000 dollars for a few days. You will then get a phone call from your bank telling you that the check did not clear or it is fraudulent. The bank proceeds to tell you that they want their money pronto. If you cannot produce the funds, they will get the authorities (cops) involved and you either be placed in jail, forced to pay the money back to the bank, or both.

    Furthermore, don't even think of opening a checking account with bogus information. The bank requests a copy of your drivers license or state identification card. I wouldn't recommend using a fake one, unless you want to wind up on the news with an All Points Bulletin put out on your ass.

    As you can see, this plan is illogical and immoral on many levels. You should never fuck with banks, the IRS, or the cops. You will eventually lose. When the game is played with a stacked deck, you will not win. That my friend, is a guarantee.
     
  13. BozoClown

    BozoClown Junior Member

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    Why would he be sorry?
     
  14. dextor1372

    dextor1372 Regular Member

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    I had one such check five years ago, I had wont the Austrailia lottery or something close to that, $1.8 million USD, these guys where going for gold. They sent me the check for the FULL amount and wanted me to wire them back $20,000 for their paperwork and tax's.

    Anyways I put the check in my bank account (I was young, didn't know what a scam was of this kind then) anyways, it was amazing, showing off my ATM balance to everyone as for two weeks it said I had 1.8 mill in the bank, I did purchase a few small things and invested some of the money quickly. I was lucky enough that my account was one that designed for kids (had it since I was 10) so anyway the check bounced like four weeks later, checkes dont clear in 1 - 3 - 7 days in the UK, the funds are loaded to your account but the actual check takes around a month to mail back and forth to verify all this crap, for those who didn't know :p and the account was a fake so my bank took the funds out, my parents made me invest some of the money in ... urrmmm hell i dont really know actually I just gave them the money lmfao anyways the investment was high turn around something or other that I later found out was a scam its self. pips.com or PIPS but we where in it early enough that we got the money back so the bank was happy and I got to keep the toys I have purchased.

    scarey shit for a 19 y/o but still fun looking back, $1.38mill in the bank :p

    there are ways to scam these checks but you better use, new bank account thats open BEFORE putting the check into the account.
    Fake ID's, Fake SSN and you better pray no one comes looking for you cos they will hit you up harder than a las vasus casino thug
     
  15. DrJekyll

    DrJekyll Senior Member Premium Member

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    My bank offered to send it to their security department to see if it was a valid check. if you go that way you will not have bounced check charges on top of everything if you deposit it directly and wait.
     
  16. Orangecat

    Orangecat Registered Member

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    The way I understand it, the check should actually clear just fine and the funds would be available. But apparently they have a habit of bouncing a few weeks later and leaving you in the hole.

    And yes, the letter wants me to send them back half the money, which I had no plans to do. I was just going to deposit it in the new account, then take all the money out for myself and put it in my real account.

    What I don't understand is how I could be held responsible by the bank if someone elses check bounces. It's not MY fault they wrote a bad check, or that the bank let me withdraw the money...

    I probably won't bother trying, but I couldn't help but thinking that there has to be some way to get the money from these scammers.
     
  17. TrickaC14

    TrickaC14 Registered Member

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    Worst advice you could ever take right here...