These days to be scammed, it is not such a rare thing. Some people might believe that it will never happen to them but they forget that you should not say never.
The technology developed and it gives us many opportunities. On the other side, the economy dropped and the financial problems overwhelmed people. Because of that the professional scammers took advantage of the people’ vulnerability and needs, and developed ingenious schemes through which they can create new tricks.
As I said this is not such a difficult task. The internet gives us many opportunities but it could also make us more vulnerable than we were in the past. The e commerce also gained allot of popularity among the population along with online payments. Are they safe? Once you become a victim, recovering your loss might be impossible. In few situations, I have seen people who recovered their loss and if they did, they did not recover everything. It is better to prevent than to be in such situation.
One of the most popular types of scam, are the phone scam. Usually the people who practice such things are trained to do it in a very professional manner so they could gain your trust. They might even home some information about you or at least they will make you believe that they do. In reality, they offer general information that could match many people’ situation. Beside the professional tone, they also have speed. They know exactly what they must say and they do not lose the conversation control.
They will tell you. In most situations at least, that they found your name in a database list, and they will offer you what will seem to be the deal of your life. With a small investment you will gain allot of money afterwards.
Most people will try to check these companies reliability and these scammers know that. Therefore, even if will be for small periods of time, they will rent a space and they will even found a company so if you will make any research you will see that they are legit. Most people, if not all, will realize that their small investments made some scammers very rich too late.
Beside the investment scams there are other types of phone frauds, such as those calls in which you are announced that you won some prize or some surprising holiday. The trick is that you will have to pay a certain amount in some bank account so you can get your hands on that prize. Believe it or not, many people fall for such types of scams.
What you should do to save yourself from such scams? You should not believe everything that you hear. No one will give you a prize and request money from you afterwards. If you receive such calls, you should just hang up as fast as possible. You should never give personal information such as ID information or credit card information. Not even the bank will request such things. Another thing that I already mentioned but I feel the need to say it again is never to send money in order to receive a dream.
The bank scams
As the name suggest this is strongly related to the safety of your bank account. Unfortunately the number of such scams increased in the last period of time, due to the fact that more and more people use their credit cards to make online payments. These types of payments opened the bank account scammers other doors to increase their incomes in an illicit manner.
Some of the most popular types of bank scams are the automatic withdrawals and the phishing scams. If in the first situation you might wake up one day that a no name company sets an automatic debit directly from your bank account the second one is usually done through your email address. You might receive one day an email, which pretends to be from your credit or debit card issues and you will be asked to give your credit/debit card information so they can check it out. Usually these mails are written by professionals who know exactly how to manipulate you to do whatever they ask you to do.
Therefore, even if you are not a naïve person you might end up with an empty bank account overnight. Once the population was warned about these types of scams, the scammers methods developed even more so they will not give themselves away.
What if such thing happens to you? You should not leave things like that. Even if you believe that the chances to get your money back are close to zero, this does not mean that you should leave things like that. You must report all kinds of scams trials no matter if they were successful or not. You should not think that the police officers or all the other authorities would look at you with sympathy and a bit of amusement. You need to do something so these scammers could be exposed. Otherwise, other people will be in similar situations as yours or you could fall for their lies again.
How can you stay away from scammers? No matter how legit a check or a money order might look, no one will give you something like that for free. If you do not know a person well enough, never make money deposits on that person ‘name and bank account. If someone asks you your bank account, credit/debit card you should not even think about giving that info. Not even your credit card issuer will never request such information from you or from any other client. You should be careful when you open your emails. You should not access any type of links through which you can check your bank account information.
Many people never forget where they come from or how difficult was for them to save themselves of poverty. This is a very good thing. Charity is a very good thing as well if you are sure that you help someone for real and not some scam. These days, doe to the social networks you can see many posts that ask help for some ill kid or for a lost animal or elder person. It is nice to help but in these situations, it is far from being safe.
These types of scams exist from the oldest times. In the past, you might have opened the door an saw a pair of people with some picture in their arms joined by a sad text. You could see such thing on street as well. People who gather money support from strangers to help a person in need. Sometimes medical certificates supported those sad texts. I am not saying that all these situations might be fraud in most of them are. If you really want to do some charity work, you should go for the ones promoted by governmental institutions or you could make a donation for an orphanage or an animal shelter.
Besides these types of scams, you might also be cheated when you want to buy some tickets for a popular concert, when you are tempted to join some pyramid scheme, to invest your money in some unknown business, the popular Ponzi scheme or other types of schemes that can only help to lose your money and not to gain more than you already have. We always want more than we have and this is our nature. This is the reason why these types of scams survive. No one is saying that you should not want to increase your income but you should pay a lot of attention when you make your choices.