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财富家庭网> 阅读版面 > Nigerian Frauds/Overpayment Scam
     
 
Nigerian Frauds/Overpayment Scam
 
     
 

A classic "get rich quick" ploy, this scheme has been perpetrated worldwide and frequently targets small businesses, churches, and other non-profit organizations. It starts with a letter, fax or e-mail from Nigeria marked "urgent" or "confidential." The sender claims to be an official of a company or government ministry who is trying to transfer millions of dollars out of the country. The letter writer proposes depositing the money in a trustworthy bank account - yours - in exchange for 30 per cent or more of the transferred funds. To get in on the action, the business, consumer, or organization must provide its bank account number and other company information. When that information is provided, the business or individual is then pressured to start sending large sums of money to cover the transfer of funds, the payment of taxes or the bribing of Nigerian officials. Of course, the millions of dollars claimed to be in Nigeria do not exist, and victims eventually end up with nothing but loss. In a new twist, called the Overpayment Scam, the consumer who is selling goods online is cheated. This occurs when the consumer (the seller) receives a counterfeit cashier's cheque from the “purchaser”. The amount of the cheque is in excess of what is owed: the seller is then asked to deposit the cheque and wire the balance of excess funds immediately back to the sender/purchaser. The deposited cashier's cheque is subsequently returned as counterfeit and charged back to the seller's account.

 

 
 

     
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