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Contents
Every year, scammers find new ways to take possession of the victim's money. A fairly common scheme is with a swindler seller who offers to purchase goods at a very favorable price, for example, on the eBay Internet site. Many sites are full of such ads today. Each of you can fall on the hook of a scammer, so you should be extremely careful when choosing a seller.
How the cheating scheme works
The essence of this fraudulent method is quite simple. A phantom seller places advertisements for the sale of various products on the Internet. At the same time, their feature is a fairly low cost, which attracts potential victims. The main condition on the part of the seller is a full prepayment to his bank card (this is the usual scheme: pay - receive the goods), otherwise he simply refuses to send the goods.
In most cases, buyers still transfer funds, since it is quite difficult to refuse such lucrative offers. Ultimately, the fraudulent seller simply disappears after receiving the money. At the same time, it is simply useless to make calls to him, since his number is inaccessible. In addition, the card to which the victim transferred the money turns out to be blocked, stolen, or even belongs to some unknown person. By the way, in bank, before sending a transfer to another bank card, you will see the full name of the recipient of the funds - compare it with the full name of the seller, and if the data does not match, then refuse the transfer. Better not to risk it.
Most victims who have fallen into such a trap of fraudsters first try to return their funds directly to the bank (see the article: "How to return an erroneous payment in bank?"), However, most often this does not bring any results. Finding an attacker in such cases is quite difficult, and even contacting law enforcement agencies does not guarantee you this. Such cases occur every day in different regions of the country, and gullible citizens again and again come across the trick of scammers.
How not to get hooked by phantom sellers
It is quite simple to protect yourself from such "profitable" deals, you just need to adhere to the following rules:
It's worth remembering!
Cash on delivery for goods also does not guarantee that you will receive what you ordered online or from the catalog. According to the current legislation, delivery of a parcel with a declared value to the addressee is possible only after full payment of its cost and postal order services. In this case, the recipient himself has the right to find out information about the sender (his address data).
After paying for cash on delivery and postage, the addressee has no opportunity to return the parcel back to the office of the transport company. Accordingly, it is not possible to return your money back. We can say that you are just paying for the "pig in a poke", and the post office employees do not bear any responsibility for the contents of the parcel. The recipient simply does not have the opportunity to return the parcel, so you only have to hope for the decency of the sender.
A typical case from life
Here is a free retelling of the response of a victim caught in such a fraud. There are a lot of such reviews on the network.
Good day, I often heard about cases of fraudulent sellers and this time I became a victim myself. On eBay, I accidentally found an advertisement for the sale of a product that had interested me for a long time, but I could not afford the purchase because of its high cost. Here I was attracted by the reasonable price.
The seller was from another city, so I sent him an email to agree on all the details of the deal. Everything was agreed quickly and without any hesitation, the person was clearly in the subject. The only thing that was alarming was that the seller demanded an advance payment of 100% and, in addition, the amount for the postal order service. He argued that he did not want to pay double the shipping cost if the buyer did not take his package.
I agreed to its terms and transferred funds through online banking from bank. After some time, I received an SMS about crediting funds to the seller's card, after which I unsubscribed to him by mail. However, there was no answer. After that, I wrote an SMS to the number indicated in the ad, threatening to report to the police if I did not fulfill my obligations. In response, I received a message in which the seller said that he urgently needed to go abroad, and he simply did not have time to send the goods. He promised to do it right after his return. I didn't want to wait and demanded to transfer the funds back, after which the seller disappeared altogether, like his ad with eBay.
The bank branch explained to me that it is almost impossible to return funds in such cases, since it is difficult to prove that the transfer was made forcibly, and there are simply no documents confirming the transaction. As for the law enforcement agencies, they are reluctant to investigate such cases, especially since the amount in my case is only 4 thousand rubles. The situation reached an impasse and I was left without goods and without the money transferred for it.
- 1. How the cheating scheme works
- 2. How not to fall for the hook of phantom sellers
- 3. It's worth remembering!
- 4. A typical case of life
Every year, scammers find new ways to take possession of the victim's money. A fairly common scheme is with a swindler seller who offers to purchase goods at a very favorable price, for example, on the eBay Internet site. Many sites are full of such ads today. Each of you can fall on the hook of a scammer, so you should be extremely careful when choosing a seller.
How the cheating scheme works
The essence of this fraudulent method is quite simple. A phantom seller places advertisements for the sale of various products on the Internet. At the same time, their feature is a fairly low cost, which attracts potential victims. The main condition on the part of the seller is a full prepayment to his bank card (this is the usual scheme: pay - receive the goods), otherwise he simply refuses to send the goods.
In most cases, buyers still transfer funds, since it is quite difficult to refuse such lucrative offers. Ultimately, the fraudulent seller simply disappears after receiving the money. At the same time, it is simply useless to make calls to him, since his number is inaccessible. In addition, the card to which the victim transferred the money turns out to be blocked, stolen, or even belongs to some unknown person. By the way, in bank, before sending a transfer to another bank card, you will see the full name of the recipient of the funds - compare it with the full name of the seller, and if the data does not match, then refuse the transfer. Better not to risk it.
Most victims who have fallen into such a trap of fraudsters first try to return their funds directly to the bank (see the article: "How to return an erroneous payment in bank?"), However, most often this does not bring any results. Finding an attacker in such cases is quite difficult, and even contacting law enforcement agencies does not guarantee you this. Such cases occur every day in different regions of the country, and gullible citizens again and again come across the trick of scammers.
How not to get hooked by phantom sellers
It is quite simple to protect yourself from such "profitable" deals, you just need to adhere to the following rules:
- In no case send funds for the goods in advance (in advance) to unfamiliar persons. Question them! The money received is instantly withdrawn from the card by a phantom seller, and in most cases you will not be able to return it;
- Order delivery for small-sized goods by mail with cash on delivery;
- Ask for the address where you (or your friend) can drive up and see the goods. If the goods are expensive and bulky, then without preliminary inspection, there can be no question of any payment;
- If there is no way to verify the reality of the product, then it is better not to buy it and find a similar one in your city / region;
- Don't forget about free messengers like Skype. You can remotely view the product, and at the same time the seller, in real time. The unclean ones will not dare to do this;
- Make purchases only in those online stores that are officially registered in the territory and have a form of payment using a bank card directly on their website. In the event of any disputable situations, you will always have the opportunity to contact the claim services of payment systems or to the authorities that most often take the side of the buyer in case of deception of the latter (read: "How to get money back for a product purchased in an online store?").
It's worth remembering!
Cash on delivery for goods also does not guarantee that you will receive what you ordered online or from the catalog. According to the current legislation, delivery of a parcel with a declared value to the addressee is possible only after full payment of its cost and postal order services. In this case, the recipient himself has the right to find out information about the sender (his address data).
After paying for cash on delivery and postage, the addressee has no opportunity to return the parcel back to the office of the transport company. Accordingly, it is not possible to return your money back. We can say that you are just paying for the "pig in a poke", and the post office employees do not bear any responsibility for the contents of the parcel. The recipient simply does not have the opportunity to return the parcel, so you only have to hope for the decency of the sender.
A typical case from life
Here is a free retelling of the response of a victim caught in such a fraud. There are a lot of such reviews on the network.
Good day, I often heard about cases of fraudulent sellers and this time I became a victim myself. On eBay, I accidentally found an advertisement for the sale of a product that had interested me for a long time, but I could not afford the purchase because of its high cost. Here I was attracted by the reasonable price.
The seller was from another city, so I sent him an email to agree on all the details of the deal. Everything was agreed quickly and without any hesitation, the person was clearly in the subject. The only thing that was alarming was that the seller demanded an advance payment of 100% and, in addition, the amount for the postal order service. He argued that he did not want to pay double the shipping cost if the buyer did not take his package.
I agreed to its terms and transferred funds through online banking from bank. After some time, I received an SMS about crediting funds to the seller's card, after which I unsubscribed to him by mail. However, there was no answer. After that, I wrote an SMS to the number indicated in the ad, threatening to report to the police if I did not fulfill my obligations. In response, I received a message in which the seller said that he urgently needed to go abroad, and he simply did not have time to send the goods. He promised to do it right after his return. I didn't want to wait and demanded to transfer the funds back, after which the seller disappeared altogether, like his ad with eBay.
The bank branch explained to me that it is almost impossible to return funds in such cases, since it is difficult to prove that the transfer was made forcibly, and there are simply no documents confirming the transaction. As for the law enforcement agencies, they are reluctant to investigate such cases, especially since the amount in my case is only 4 thousand rubles. The situation reached an impasse and I was left without goods and without the money transferred for it.
