Assume cashier's checks are phony too
Clark Howard recently took a call on his show that continues to bother him.
The caller trusted a buyer and took a cashiers check from the man.
Turns out that the check was not only a forgery, but it was also written out for $6,000
more than the amount asked. The polite buyer, who was really a con artist,
asked if the seller would mind wiring him back the overage and everything would be square.
Once the seller got a call from his bank, telling him that the check was a forgery,
he was out his property plus $6,000. This is very scary.
Even the FDIC has a warning at its Web site, telling banks to verify that cashiers checks are for real.
But the banks dont feel they are responsible at all.
One bank was recently quoted in the Boston Globe as saying the onus is on the consumer
to determine whether the funds they are depositing is good. Its a bunch of baloney.
The truth is that if your account is improperly drafted and you dispute it, the bank has to pay you back.
They act like they dont have to, but they do. At the same time, there is no requirement that banks
have to verify whether a check is phony.
So, if you get a cashiers check from someone, you must assume that its phony.
Clark used to recommend that people take cashiers checks, not personal checks.
Today, if youre selling something, take a personal check and not a cashiers check.
Banks need to come up with some security measures to prevent this from happening.
But until then, you have to do what you can to protect yourself.
Just a note to send to your memebers, I have a pile of these so called
"certified checks" have not been stung, we no longer take a certified check
unless it is "Teller Stamped", also if you have a check, it has a bank name
and city on it, call them to verify that the check is ligit, they track the
numbers. The ones I have do not match their records, takes a 5 minute phone
call. The other thing one can do is use bank wire transfer,cost is not much
more and can be set up so you do it over the phone, funds are in your
account and usable within 24 hours.
Pass it on, might help some one
HG at Hot Rods by HG
This from a client:
It is a great thing that you do to inform customers and consumers in general of
the potential fraud that goes on. However when you post sample letters from scam
artists, please also notify the same customers and consumers that not only are
there scammers out there, but that they also use the names of good people.
The seller of the 1987 Ford truck contacted me several months ago to confirm
whether or not I was the one e-mailing him. I told him no. As a matter of fact i
pointed out that a few other obvious things that the perp was doing that were
fake.
So if you show sample letters of scammers, please make sure you also put a
disclaimer on the fact that the names of good people are stolen and used for
such scams. So people, just beware of anything that doesn't seem quite right.
Here are some samples of the SCAM ARTISTS e-mails to be wary of.
Noticably, there are many spelling errors, punctuation & grammatical errors.
NEVER give out your personal information and please be careful!
A Cashier's Check is NOT necessarily credible!
Please be sure of incoming funds before releasing ANYTHING!
Please look in out FAQ's for more information.
Remember: If it sounds too good to be true, it probably is!
Thanks
Patsy & Jim Haggerty
staff@nwcam.com
December 12, 2006.........this just in.............more scamming...please BEWARE!!
Good day to you.Thanks for your prompt response.The good news is that my client has consented your vehicle with full intrest,after i have forwarded him your vehicle information and he evaluated it.I have also discussed the payment issue with him and due to time constraint,he has instructed me to carry on with this transaction immediately.
However,he instructed me also to inform you that,due to banks policy on casheir checks,you will recieve the payment IN YOUR NAME,IN A US BANK CERTIFIED CASHIERS CHECK of $39,900, which is a refund payment of a cancelled order earlier made by my client.He purchased the check for a vehicle he wanted to buy, before we found your own.Anyway,you have nothing to worry about it because it is my duty to make sure that this transaction is smooth and perfect.So you are required to deduct the cost of your vehicle $31,000, when payment gets to you and refund the balance $8,900 to our agent and the shipper for them to be able to offset shipping & tax charges, and other cosmetic repair costs.
After payment has reached you and balance sent to shipper, the shipper's agent will come for pick up (of vehicle & signing of title papers), make some cosmetic touches and drive to a prepaid shipper to be shipped to my customer.Please confirm this and forward the following informations;
Names:.......
Address:.......
Phone number:........
For payment to be made and send to you as soon as possible.Please,your
honesty, understanding and co-operation will be highly demanded and
appreciated.
Don,t hesitate to contact me at 206-337-1364 or drop a message,now i am on a trip.
551 20TH Ave Longview, WA 98632
Have a blessed day.
Michael.
October 3, 2006
...from one of our advertisers:
I am to notify you my interest in buying your part on behalf of my Boss.He has given me a quick notice to placed an order for your particular part .I need to get in touch with you on the negotiations if you would accept a Certified Cheque as a mode of payment.If yes,send your address phone&name and the final asking price.I am counting on your support in concluding this transaction within the shortest time,but my Boss is going to send you Certified Cheque of an excess money which you will deduct your part fees there and send the excess Fund to the reputable shipper for Pick Up to United State Get Back To Me Asap.
Â
Thanks
August 13, 2006
One advertisers reply to the scambags:
This is a truck with well the asking price. It is already bottom priced at less than half the value.
Rather than leaving any more money on the table than I already am, I will just keep it and drive it.
I hold the title on all my vehicles. It should be obvious to the most casual observer that this truck
has a custom paint job that is not available from the factory. There were no accidents found in
my research prior to purchase of this truck. If you read the description, you are aware that almost
all the mechanicals in this custom have been rebuilt or replaced. I'd tell you that it is a one-of-a-kind
custom and a real head-turner, but that's what every custom car owner out there will tell you.
If this is a legitimate inquiry, thank you for inquiring. If it is not, don't waste any more of both of our
time because CASH TALKS and BS WALKS. No, I won't take a cashier's check in excess of the
price and send real money back to you for the difference. When this truck sells, it won't go anywhere until I
am holding $9900. greenback dollars minted in the US of A in my grubby little fingers.......
On 8/13/2006 11:16:10 AM, Jesse Owen (
js_cars@fastermail.com) wrote:
> Hello,
> Thanks for the email. I have a customer who is very much interested in
> buying your Vehicle. He happened to budget for a vehicle last time and
> unfortunately it was sold. I have discussed with him and he has agreed
> that he will be willing to have the vehicle shipped to his place which is canada,
> he would have be present in this transaction but due to the nature of his
> business,he cant be able.
> Again I have some questions to ask:
> 1.Has the vehicle ever been repainted?
> 2.Do you have the title papers?
> 3.Any accident record.
> 4.what is your last asking price?
> I will be awaiting hearing from you as soon as possible.
> Regards.......
>
August 8, 2006
| From: | | Leon A Gugel |
| To: | | |
| Subject: | | PAYMENT STATUS... 87 FORD PU |
| Date: | | Mon, 07 Aug 2006 15:33:05 -0400 |
Hello Dear,
Thank you for your response with the pics of the car however, After discussing with my wife who really insists we? purchase your vehicle (87 FORD PU), we have decided to move on with the deal at the price of ($7,500), She will be going on a vacation soon and will rest virtually all the transaction on my shoulder and assign a shipper like wise that i will work with and stressed that will be issued out a cashier check of ($12,500) in your name which was a refund payment of a cancelled order earlier made by her ,you are only required to deduct the cost of your vehicle ($7,500) and send the differece ($5,000) when payment gets to you to a shipping agent whose information will be given to you as at and when due, he will be needing the fund to offset shipping charges, taxes and other cosmetic repairs/touches, the agent will be responsible for signing and transfering of title paper and also pick-up. So you are required to send me your NAME IN FULL, ADDRESS AND PHONE NUMBER for payment to be delivered to you. All other information needed in completion of this transaction will given to you in due time.THANKS HOPE TO DO BUSINESS WITH YOU.
REGARDS,
LEON GUGEL
Tel:+447024051545
Email:
leon_a_gugel02@yahoo.comMay 1, 2006
Apparently, the 'Peoples Court' today, they had a mother/son conflict.
The Son had a Moped for saleon Ebay for $400.
The Son was contacted via email by a guy in the U.K.
who wanted to buy it, emails and several phone conversations ensued,
and the guy in the U.K. sent him a $2,200 check with the instructions
to take out his $400 for the moped and to wire the rest to his shipper in New York,
and he will be contacted by the shipper to pick up the merchandise.
Suprisingly the shipper never showed, and the purchaser called
and said he changed his mind and to send the $400 back to him.
This has DUMB written all over it, The seller got curious and
finally called the cops only to find out that the whole thing was BOGUS.
To top it all off, Mom cashed the check thru her bank,
& gave the $2,200 to her son, the son pocketed $400,
then Mailed the balance via Western Union to the guy in New York.
The following e-mails are not legitimate offers and should be ignored,
deleted and/or reported to the authorities.
~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~
-The latest fraud e-mail:
April 25, 2006
As per our conversation, ?I have a Chevy advertised on your website.
I rec'd a bank cashier's check for the sale of my car.
There were a lot of suspicious things about the e-mail correspondence with the possible buyer.
In the United Kingdom postmarked envelope, there was no note or letter.
His name was not on the check. The check was from a bank in Greensburg, KY.
There was no return address on the outside of the envelope.
The Bank, when called, said the check was no good and the 2 signatures on the check were not good.
~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~
April 24,2006
Hi Patsy,
Just a note to let you know that we received a bogus
cashiers check drawn on CharterOne Bank in Detroit,
Michigan. It was mailed out of Canada and was sent
from Ron Helms <ronhelms1@yahoo.co.uk>. Just thought
you'd like a "heads up" on this in case someone else
has a similar situation.
Copy of bogus buyer email-updated October 23, 2005
Please note the names and e-mails and DO NOT RESPOND TO THESE CROOKS!!
~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~
KEEP READING....Phony SELLERS too!!
This is a scam as you can read,
no phone contact is made untill you give a deposit....
-------- Original Message --------
Dear Seller,
Thanks for the mail, due to the high rise of the pounds in the money market we are expanding
our search horizon to America and right now i have a client who is very interested to purchase one of your cars.
I work by percentage and my clients pay for it not you, and i promise them to look for
their choice car and find it at the cheapest cost possible.
Please i will need your assurance that the car we are buying is in good condition,
the assurance should please be a written and signed one and should be forwarded to my mail address.
He will post to you a certified cashier check for the car, the amount on the check is $16,000
so you are required to send $7,000 to the agent after deducting the cost of your car $9,000,
this is because the check was issued along with the funds for the shipment in your name,
we will not bother you with the shipping arrangements so i have made some contacts
and have procured the services of a Cargo! shipping agency here in London who runs
on constant bases this kind of services along these routes to collect the car from your location
and deliver it to my clients home in ENGLAND.
All we require of you now is to make sure the agency gets the neccessary funds
they will need to make the arrangements and secure a date when you have received the checK
?for earliest shipping arrangements and prompt delivery as i have assured the client,
the funds will come from the check after you have received it and when deduct the money for the car.
Therefore, i urge you to provide your complete mailing information
(which include your legal name and correspondence address),
contact phone number so that he can mail the certified cashier check to you.
PLEASE CONFIRM THIS AND PROVIDE THE FOLLOWING:
?
1.LEGAL NAME
2.CORRESPONDENCE ADDRESS
3.DIRECT PHONE NUMBER
?
I will be expecting the name and address that will handle this transaction
where he (our client) will post the check to, as i promise to get more business your way and be fast with that.
Regards,
Dave.?
Hi,
are you interested in my 1987 Harley Electra Glide for a straight
across trade?? Can send pictures.
Robert
rustman8@juno.comHello Seller,
I saw you ITEM For Sale on Avert and i will like to know if
is Still available for sale.So get back to me asap if is still for sale
with is Picture.My Payment Option is Cerfitified Cheque And MONEY ORDER
from USA.So get back to me asap with this details to send the Cheque to
you asap.
YOUR FULL NAME
YOUR FULL ADDRESS
CITY
STATE
POSTAL CODE
COUNTRY
CONTACT PHONE NUMBER
YOUR LAST PRICE FOR SALE
Cheers
Hamman Ron
hammanron@usa.com
Thanks for the response.
I have contacted my client who is interested in buying the (Item )
he said he love the pics too and he wants to know if that is exactly the (Item) for sale.
We've also concluded with the price that i will sell to him.
However. i have also added my own profit to your own asking price of $7500.
You are hereby expected to confirm to me that i am free to add my own profit
to your own asking price and will also agree to send my profit to me through western union.
Hence, any amount above your own asking price will be returned back to me as my own commission
and profit on the sales. I hope that is understood.
As regards the pick up, as soon as you confirm to me that the Chequeis cleared in your account,
i will inform my shipper to come for the pick up immediatelty.~~~~~~~~~~~~~~~~~~~~~~~~~~~~
Dear car owner, I would like to inform you that i am satisfied with the pictures and believe
in good faith that the car is in good condition like you explained to me,so
i will like you to know that payment will be made to you with a cashier check
which will clear before you realease the car,also i have made arrangement
for the pick-up and shippment,i would like you to prepare the log-book and
the dvla papers for me so that once the payment has cleared at your bank
then i can have the car shipped from your residence to me directly.
I have concluded arrangement my shipper who is to handle the shippment
for me and he will also come for the carry out of the paperwork for me so please await my check and also
inform all other prospective clients that the car has been sold.
I am a legal practitional by proffesion with my own private chambers here in?
texas ,and have a client over there in the new york.who owes me money from
legal dealings with my chambers which i would like to use to purchase this
car.The only constraint is that sum owed me is more than price of your
car.Please,once payment as cleared in your bank you can now deduct the cost
of the car,and send the difference to my shipping agent who will be on
standby to come and do the pick up on my behalf.
The total amount on the check would be $13,000,i would like you to send me a
confirmation mail upon receipt of payment so that i can call you up and we
can both fix a date for pick-up and all documentations when the check clears
at your bank.to make things faster get back to me with the following
information
FULL NAME:
ADDRESS:
PHONE NUMBER:
POST CODE:
Thanks and i await your response.
Cheers'
MR JOE.
The "Car owner" replied:
~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~
Hello Jay,
I am in receipt of your mail. I have just concluded with our client about your last price and
he has instructed to carry on the payment immediately as the price is good with him, he said
that I should inform you that payment will get to you in a cashier check of 42,000 which is a refund payment
of a cancelled order earlier made by him.
Then because of company policy this check has to be made out in this amount to you,
because company policy only allows a refund payment on one cashier check, so you are required
to deduct cost of your?truck?$34,400?when payment gets to you and refund balance $7,600
to my customer via western union money transfer or money gram transfer for him to be able
to offset shipping charges.
After payment has reached you and balance sent back to him, our agent will come for the pick up?
to a prepaid shipper to be shipped to my customer, while other necessary informations about the?
truck will be handed over the agent while picking up.
Please Confirm this and provide NAME, ADDRESS and PHONE number for check payment to be
delivered to you via registered regular mail way.
Thanks and God Bless.
Have a great day
William.
~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~
Thanks for getting back to me. I have make a good and solid arrangement
with an agent who will be coming for the pick up. However everything has been put inorder.
Please I will like to inform you that my agent will be in your location
for the pick up as soon as the payment gets to you and have the car ship to me in London .
As regards the paper work ,you can prepare that with my personal
informations as stated below:
Ken Woods
#20 Tavistock Square
London
WC1H 9HQ
Fax: +44 (0)20 7388 8649
Tel: +447040114029
However,you will be recieving a check of $44650 from my client including
the commission of my agent so that as soon as the payment gets to you,
you can go ahead and deduct the cost of this item and have the balance
send to my agent for him to proceed to your location for the pick up of this car .
Please I will like to have your mailing address and your phone number
where the check will be send to so that my client could get that ready
fast.
Hope to hear from you soonest
Thanks
Ken Woods
Data: Mon, 22 Aug 2005 21:33:14 -0700
Ford
> Yes the car is still avaliable. The asking price is $38.000 U.S.
The odometer reads 2 hundred thousand,but only has 2,000 miles since being restored.
?Thanks for your e-mail and interest in my vehicle. I have lots of other
photos during the restoration process if you like. Thank-you Tom
Please I need to know if the above mentioned car is still avaliable foir sale.
Get back to me with more information as regards the mileage and your asking price for it.
> Thanks
> Ken
> ~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~
From: mike edward [mailto:mike2edward@yahoo.com]
Sent: Thursday, July 28, 2005 4:07 PM
To: Mason
Subject: PAYMENT AND PICKUP.....
1947 Mercury Coup StreetRodMr. Joe, I had the Charger on the internet last spring and was asking 9,500.
I decided to drop the price to 8,500 because I have a 1955 Chevy hardtop
that needs paint, motor & interior. The Charger is in really nice shape.
My Uncle had it in his garage for 12 years before I got it.
The drivers seat is torn, and the headliner seam has separated in one spot.
I have a new headliner, but have not installed it.
Other than that you can see by the pictures the condition.
Motor and running gear are great.
What specific questions you have, I will be glad to answer.
Sincerely,
Henry W
Good day,
I am Mr Dave,Representative of our company. we purchase,Pick-up
and Deliver Automobiles and Boats for our clients .One of our client
who is a diplomat has indicated interest in your car.Please we would
want to know if it's still availiable? And if it's still,Send me:
(i)The final/bottom price of the item.
(ii)Some photos of the car for my client value viewing.
(iii)Why are you selling the car?
The above questions are part of our company policy when purchasing
automobile,So don't find it embarrasing to answer them.Hope to read
from you soon.Have a splendid day !
Thanks,
MGT.
Mr Dave(M.Sc), # 517 Westwood Drive,
London, HL 45. 3FE UK
Phone +447040106543
Reliable procurement of automobiles and Boats
As soon as i hear from you, i will contact my client so that he can issue you
a cheque payment immediately and will be mailed to you througth royal mail..
I hope to hear from you soonest
Cheers
Hello,
The price is okay by me,I will go ahead and Instruct a personal client in the states
to issue you a certified cashier check which would cover all expenses for it.
It is most likely you would get it sometime next week or even sooner.
He will be issueing you a cashiers check to the tune of $36,000
The reason being that after you deduct your $29,950 and other expenses emanating from all forms of charges.
The rest could be wired by you to an international shipping agent via western union money transfer,
who will be communicated to you in due time.
He will help in the shipping of the item to my location I would want it to be packaged and delivered
in the safest and most proffesional way.
The shipper is likely to be reluctant to pick it up until he is mobilised, i.e the balance wired to him
is his fees for his services,tranportation to and fro,clearing and all other charges involved in this transaction okay.
He would be advised to come to your house or the location that you give me for him to pick it up
as soon as he is mobilized by the funds you send to him.
Also before I forget send me your full name and contact address as should appear on the check
and to where it is going to be sent to and for shippers pick up point, and also your phone number
so I can! always contact you on to monitor proceeding of things.please do get back as soon as possible.
Thanks and Best Regard.
?thank you for your question.
?My name is David Macdurry and I am assigned to assist you with any questions you might have
regarding Transaction# FKF11558578 involving a 1967 Chevrolet Corvette Coupe classic car,
from Mr. Mike Rogers, Valley Forge, PA.
?We work as a third party in this transaction. All records of this transaction
are kept in writing due insurance reasons.
?Contact over phone is made, but only the day prior delivery and
the same day of delivery, to set up the final arrangements
with the truck team that arrives at buyers location.
If you have any other questions or concerns, please let us know.
We will assist you in shortest time.
Thank you for using GlobalPS Autodeals!
David Macdurry
BEWARE>>>>>>GlobalPS Autodeals Contact Team<<
-------- Original Message --------
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Subject: Intrebare domeniu GENERAL de la ...
From:
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------------------------------------------------------------------------------
MORE SAMPLES OF PHONY OFFERS TO BUY......
| Subject: | Re: GlobalPS Autodeals about 1967 Chevrolet Corvette Coupe |
|---|
| Date: | Wed, 05 Apr 2006 19:55:18 -0400 |
|---|
| From: | Autodeals Contact Team |
|---|
| Reply-To: | contact@globalps-autodeals.com |
|---|
| ? | |
|---|
thank you for your question.
?My name is David Macdurry and I am assigned to assist you with any questions you might have regarding
Transaction# FKF11558578 involving a 1967 Chevrolet Corvette Coupe classic car,
from Mr. Mike Rogers, Valley Forge, PA.
?We work as a third party in this transaction.
All records of this transaction are kept in writing due insurance reasons.
?Contact over phone is made, but only the day prior delivery and the same day of delivery,
to set up the final arrangements with the truck team that arrives at buyers location.
?If you have any other questions or concerns, please let us know. We will assist you in shortest time.
?Thank you for using GlobalPS Autodeals!
David Macdurry
?GlobalPS Autodeals Contact Team
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To: contact@globalps-autodeals.com
Subject: Intrebare domeniu GENERAL
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From: rita hedges [mailto:mrsritalee@yahoo.ca]
Sent: Saturday, June 11, 2005 5:50 AM
To: Car owner
Subject: PAYMENT/INFORMATION..
Hi ,Congrats as we have decided to buy your car.vivian (my client's son)
was so overwhelmed with the car. He wished it could be here the next day.
His father, my client shall send you a cashier cheque for the car
and this will cover the shipping costs so as to avoid the posting of two cheques.
The cheque will be for $37,998. At least, I should bestow some level of trust
in you having gone this extent. Note that this cheque should be comfirmed
before the car is picked up by the agents I shall arrange.
While you deduct the money for the car, ($22,998.00),
you send the remaining money ($15,000) to the shipping agency which
I will hire to take care of the shipping arrangements.
You have to do this immediately you get the cheque so that
they will reserve a cargo space and date for the car.
They are saying something about taxation and duties, honestly,
?I don't know anything about this, since this is the
first time we are buying a car from outside the Uk,
I will appreciate it if you asceratin the truth in this,
to know if they are lying about it or if there is really a tax and duty
to pay before the car can be shipped out of your country.
And use the remaining $40 to make up for any expenses
that you will incur while sending the money to the agents.
Thanks, please provide a postal address for the cheque as my client
is now in Isreal attending a conference on "Peace in The Middle East"
and I have promised to get this done before his son's birthday coming up soon.
(This is supposed to be a birthday gift for his son)
The agent (who shall as well bring other items he has bought)
have promised a qucik delivery. So Please every thing will hang
on how quick you send the money to them when you get the cheque.
and fianlly you have to be fast with what you are doing,so that we
can conclued the business.Thanks and god bless you and your family.
mrs riat lee..
Original Message-----From: white smart [mailto:goldenmotors2002@yahoo.com]
Sent:
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