家庭 【求助】疑似尼日利亚骗局。请教大家有何可疑之处。

[cnnto]

最近在向外租房时，碰到一个类似尼日利亚骗局，不能确定，特发上网来请教大家，具体情况如下：

在向外租房时，收到 一个租客的email联系（yahoo 帐号），声称人在英国，来加拿大工作，要求租房。很快谈好有关情宜，我们就要求预付定金1400元。他通过他的加拿大公司邮寄给我们4500支票（TD开户的）, 要求我们把余下的钱用Western Union 寄还给他的海运公司（在非洲加纳共和国），以便海运东西。 我们 10月5日将4500 元入帐，上星期周五问银行，表示支票已经clear了。正当我们要寄钱的时候，看到51一则新闻: http://www.51.ca/news/show,news,22130.htm. 越看越看，觉的很是可疑，就告诉他暂时还不能寄，因为钱未到帐。他又来信说，他现在急用钱，已经向他同事借了700了，我们只要把钱寄到他同事的妹妹那里就行了（地址在非洲尼日利亚）。

想请教大家，支票入帐已经超过5个business days，已经银行已经clear了， 还能够再把支票要回来吗？ 我就这事问过银行的telephone service, 他们认为(Think)一般是不可以再要回来了，但是他们不保证(garantee)。所以问请教大家，有过类似的经历吗？支票解付后，还能再要回来吗（注意，这个是公司支票，不是个人支票），除了取消支票之外，他们还有什么别的地方可以欺骗的呢。谢谢。

我将会把此事的发展一步步报道给大家。

[webmasterer]

我要是你，就把银行里的钱全部提出，取消帐号，换另一家银行去。呵呵，我看你怎么骗。

[g4indigo]

Just do not pay him. The check can be bounced back at any time.

[netflavor]

100%是假的。

你可以告诉他你目前cash短缺，先借用一下装修房子，等他来后，再还； 或者明说，现在骗子太多，恕不向国外汇钱。本人等他来后，可抵以后的房租. 你还可以玩玩他，说钱已寄出.

[webmasterer]

作者: netflavor

100%是假的。

你可以告诉他你目前cash短缺，先借用一下装修房子，等他来后，再还； 或者明说，现在骗子太多，恕不向国外汇钱。本人等他来后，可抵以后的房租....

就这样，高招，有理有利有节

[1112]

这就是传说中的尼日利亚骗局！
地球人都知道~

[qiegao]

呵呵，那不错阿，你赚了。。把帐户关了不是赚了吗。。

[树懒]

作者: qiegao

呵呵，那不错阿，你赚了。。把帐户关了不是赚了吗。。

帐户关了，你也跑不掉，银行还是能找到你。
这种事永远不会有真人露面的。LZ可以叫他派真人来拿，或者等到入住时返给他就行了。那个人说借了700，这是暗示你先给700也行，反正他是假支票，其实100也行，可能10块也行。

[jacco]

绝对是骗局啦。
1 他加拿大公司为什么不能支付他的海运费用或者直接把钱汇给他而通过你。你想，一个公司向一个没有任何联系的人开支票，公司里面会计怎么做帐？加拿大的会计守则都是吃素的？要是这么容易把钱从公司账户往私人口袋里捣腾，还用得着每年花大笔钱请会计师报税？
2 既然你的银行不能保证以后不向你要回这笔钱，万一真向你要了你怎么办，你和银行打官司吗？
3 他人在英国却用加纳的海运公司，不奇怪么？即便加纳的海运公司在英国有业务，费用也应该交给英国的分公司，不然人家英国政府怎么收税？
4 向同事借钱就更离奇了。他向英国同事借钱，让你还给他同事在尼日利亚的妹妹？我实在是找不到有什么合理的解释他要这样做。

建议报警，就说怀疑他有诈骗嫌疑。

[六里台]

拖着他，看谁拖得过谁

[wt112]

作者: webmasterer

我要是你，就把银行里的钱全部提出，取消帐号，换另一家银行去。呵呵，我看你怎么骗。

弱智啊!

这样行,加拿大的银行早就破产了.

[cnnto]

他来邮件声称周三中午到，我告诉他700钱我不寄给他，等他来了我一起给，结果他回信说，没有700，他就来不了加拿大了。

很快会出结果了，相信会和大家的判断都是一致的，99%是个骗。

只是我不明白，，钱已经入帐了，支票已经clear 了，他怎么把钱要回去呢。要这样都行的话，，我是不是可以把半年签的房租支票给要回来呢。

[cnnto]

下面就是他前天给我回的邮件，对了， 他可是自称是英国的MM。可是看行文怎么都不象。不知道是她英文太高深或是我英文太差，总觉的一堆语法错。

Hello ×××
How are you doing today ? I sincerely hope you had a great weekend as mine here wasn't bad at all as i did some little packing , okay i must confess , i really appreciate all your efforts concerning my arrival in Canada and will always thank and appreciate you in all ways
I am not happy telling you this but i have been running arround to have it sorted out but to no avail ,my travellng agent told me this last night that i will be needing the sum of $700 for my BTA ,this is known to be an amount a traveller must possess on board , i was told of late if not i would have sorted it out myself as it was yesterday i went for shopping and i have my check which i will be cashing as soon as i arrives CAN ( $47,500) .........Thank God for my wonderful colegue at work Fatimah George..she loan me this funds and she meant to send the money to her younger sister ( Mary ) in Africa who has been hospitalized since July for HIV Type A...i have to borrow this funds from her becasue really need this money asap because my flight is shedule for tomorrow night 7pm So ,all i want from you now is to kindly help me send this sum $700 ( $700 BTA FEE ) and wired the money yourself to her cousin Sandra Geoge with the below information through westernunion as soon as
possble today and she will be be to picking it up for Mary IMMEDIATELY as my departure is scheduled for 7pm tomorrow night and to have 2 stop overs and i will be arriving in Canada by 12 noon on Wednesday your time..can you pick me up at the arport Please i really need it very urgent as i will be denied to fly if i do not possess this sum of money.
Waiting to hear from you as soon to get the transfer details ( the mtcn and the exact amount sent ) of my bta fund and please get back to me as soon as you read this mail , okay.
Take care and i see you on wednesday.
Thanks
×××

NB i'm planning moving my account from here to Canada..can you help on this by Recommending a Good Bank that i can use

Here is the Needed Info to get the Money sent to`her through westernunion...

Name......... ×××

Address........ ××× Avenue, Ikoyi
Lagos Nigeria.
23401

Text Question... Money For What ?

Text Answer......... ××××

[甲乙丙丁]

作者: cnnto

看来大家的判断都是一致的，99%是个骗。

只是我不明白，，钱已经入帐了，支票已经clear 了，他怎么把钱要回去呢。要这样都行的话，，我是不是可以把半年签的房租支票给要回来呢。

这张支票就算是真的，也有可能不是支票主人本人签名的，支票主人可能是另外一个人，可能就在加拿大，过了几天(在他本人收到银行statement 30天内)他到银行报案，说有人冒用他的签名，签了一张支票，存在某某账号。这样一来，他就可以合法的把钱要回去了，然后，你的银行就向你要这4500元了，如果不还，后果怎样，想想吧。

我就有过亲身经历，roommate(是白人，不是国移)偷了我的支票，拿了几百元cash掉跑了。然后我到银行报案，银行把钱退给了我，自己承担损失，当然他们有向我的roommate要钱的权利。

[老酒]

作者: cnnto

..

只是我不明白，，钱已经入帐了，支票已经clear 了，他怎么把钱要回去呢。....

在这里，不属于你的始终都不能归你所有。便宜是占不到的。

只要对方有正当理由，即使是他的真支票，也可以要回去。

在加拿大，便宜莫贪~

[ldwlx]

作者: 老酒

在这里，不属于你的始终都不能归你所有。便宜是占不到的。

只要对方有正当理由，即使是他的真支票，也可以要回去。

在加拿大，便宜莫贪~

不贪便宜，才是正道！

[larryc_2000]

Tips for Recognizing and Avoiding Fake Check Scams

If someone you don’t know wants to pay you by check but wants you to wire some of the money back, beware! It’s a scam that could cost you thousands of dollars.

· There are many variations of the fake check scam. It could start with someone offering to buy something you advertised, pay you to do work at home, give you an “advance” on a sweepstakes you’ve supposedly won, or pay the first installment on the millions that you’ll receive for agreeing to have money in a foreign country transferred to your bank account for safekeeping. Whatever the pitch, the person may sound quite believable.

· Fake check scammers hunt for victims. They scan newspaper and online advertisements for people listing items for sale, and check postings on online job sites from people seeking employment. They place their own ads with phone numbers or email addresses for people to contact them. And they call or send emails or faxes to people randomly, knowing that some will take the bait.

· They often claim to be in another country. The scammers say it’s too difficult and complicated to send you the money directly from their country, so they’ll arrange for someone in the U.S. to send you a check.

· They tell you to wire money to them after you’ve deposited the check. If you’re selling something, they say they’ll pay you by having someone in the U.S. who owes them money send you a check. It will be for more than the sale price; you deposit the check, keep what you’re owed, and wire the rest to them. If it’s part of a work-at-home scheme, they may claim that you’ll be processing checks from their “clients.” You deposit the checks and then wire them the money minus your “pay.” Or they may send you a check for more than your pay “by mistake” and ask you to wire them the excess. In the sweepstakes and foreign money offer variations of the scam, they tell you to wire them money for taxes, customs, bonding, processing, legal fees, or other expenses that must be paid before you can get the rest of the money.

· The checks are fake but they look real. In fact, they look so real that even bank tellers may be fooled. Some are phony cashiers checks, others look like they’re from legitimate business accounts. The companies whose names appear may be real, but someone has dummied up the checks without their knowledge.

· You don’t have to wait long to use the money, but that doesn’t mean the check is good. Under federal law, banks have to make the funds you deposit available quickly – usually within one to five days, depending on the type of check. But just because you can withdraw the money doesn’t mean the check is good, even if it’s a cashier’s check. It can take weeks for the forgery to be discovered and the check to bounce.

· You are responsible for the checks you deposit. That’s because you’re in the best position to determine the risk – you’re the one dealing directly with the person who is arranging for the check to be sent to you. When a check bounces, the bank deducts the amount that was originally credited to your account. If there isn’t enough to cover it, the bank may be able to take money from other accounts you have at that institution, or sue you to recover the funds. In some cases, law enforcement authorities could bring charges against the victims because it may look like they were involved in the scam and knew the check was counterfeit.

· There is no legitimate reason for someone who is giving you money to ask you to wire money back. If a stranger wants to pay you for something, insist on a cashiers check for the exact amount, preferably from a local bank or a bank that has a branch in your area.

· Don’t deposit it – report it! Report fake check scams to the National Fraud Information Center/Internet Fraud Watch, a service of the nonprofit National Consumers League, at www.fraud.org or (800) 876-7060. That information will be transmitted to the appropriate law enforcement agencies

[coppernob108]

那位租客MM在等收到钱后再向银行举报。

[cnnto]

等了一天，根本没人来。

我打算report 这事了，，大家说说，有什么办法可以损损这个骗子的。

[sweetteeth]

是一个网友写的，发生在温哥华：

几个月前，我的一位住在温哥华的朋友也被这样一个骗局给骗了，情节跟flatron提供的案例(警惕：小心“尼日利亚骗局”变身重来)及其相似，而且被骗金额更大一些，大约18000加元，不同的只是钱已经被骗走了,那骗子声称是英国的，还是女的。在她汇走那笔钱后，那骗子又寄给她第二张支票，所幸那张支票已经被帐户所有人止付。

这位朋友也是女性，现在银行在向她要钱，可她自己根本也没有那么多钱。银行告诉她支票当初确实已经clear了，但当她把钱汇出之后，支票的帐户主人说支票是被盗涂改的，钱就又被对方银行要回去了。

这位朋友现在处境很艰难，家园里有没有做律师的朋友可以帮一帮她？如果你能提供帮助，请用悄悄话跟我联系，多谢了！

大约一个月前，在North Shore News看到一则新闻，住在西温的一个人一年前用几张假支票从BMO取走了几万加元，被告诈骗逮捕，他供述的情节跟那个骗局也很相似，但他还不了钱，也无法证明他说的骗子存在，结果被判了刑。

是海就有鲨鱼啊！
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所以不要贪便宜上当受骗啊！！！！！！