tempting offers are often scams

Fake loan redemption, check or wire transfer fraud, fake savings account … Bank scams are varied and dangerous. And the remedies are, unfortunately, almost non-existent. Be very careful when faced with these aggressive commercial offers.

It is not only in financial investments that the authorities are constantly warning consumers about scams! Credit, check, wire transfer … Overpriced offers are often scams.

The false ransom loan

A fake broker offers it to you buy back your credit at a more attractive rate. You have to enter your personal data, provide your RIB … Simply, once the new credit is turned on, the scammer asks to collect the sum to proceed with the redemption of the first loan, then it vanishes. Intermediaries are often well informed, and often usurp the identity of recognized companies, as underlined by the Supervisory Supervisory and Resolution Authority (ACPR): ” Pay particular attention to the risk of identity theft. Scammers use official data from licensed professionals to deceive public trust “.

Beware of offers that are “too good” to be true! Check the ACPR blacklist that the company isn’t there… But beware! these lists are not exhaustive.

The “miracle” credit scam.

Very present on the Internet and on social networks, scammers have a well-established scenario: you are asked to qualify for exceptional credit, a timed offer, at a very advantageous rate, available in a very short time and without any verification of your resources. Simplyan administration fee must be paid to obtain the funds, through an international money transfer system. Of course, once this money has been paid, the fake loan will never be credited to your account!

Very often these companies use logos and websites of legal companies, in order to make their offers more credible.

And unfortunately it is often very modest people in search of finance who are seduced by these offers.

Fake Passbooks: Rates Too High To Be Honest!

With short-term rates remaining very low, it is always tempting to hope for a better return … We find very regularly on the Internet offers for bankbooks that pay more than 5% a year! Again, this is a scam. he is impossible to guarantee you a short-term return higher than that of the Livret A.. Once the money has been paid, and as soon as you want to get your money back, the scammer is gone.

The fake RIB scam: artisans often targeted

Following the signature of a quote for a veranda, a swimming pool…, you will receive the e-mail of the craftsman with his bank details (via his dinghy) in order to make the payment. But his inbox has been hacked and it’s on another bank account that you’re making the payment. This new scam is growing rapidly.

Before making the transfer, be careful. : check the bank code (if you are abroad, be careful!) and, if in doubt, contact your craftsman to verify his details. On his side, the professional must secure his mailbox, through double authenticationso that an alert will be sent to him as soon as a new computer attempts to connect to his account.

Check for fraud: beware of money laundering!

Does a contact offer you to cash a check into your account, or receive a sum of money by wire transfer, and transfer the money to him, in exchange for a commission? Double your vigilance. Why the ” ATM fraud »Is developing rapidly.

It is a money laundering technique and transfer of funds used by cybercriminals with a third person’s bank account, called a “banking mule”, to transfer illegally acquired funds to this account and other accounts.

Another check scam technique: Sell a property on the Internet. The buyer sends you a check, but the amount is wrong. He has added € 500, and asks you to return this amount by bank transfer or wire transfer… But the check is stolen or forged. The payment is rejected by your bank (or debited from your account if the check was already provided). You permanently lose money transferred or transferred.

Never accept a check for an amount greater than the amount of the transaction. For all these transactions, prefer a bank check, taking care to verify the authenticity of this check with your bank before disposing of the property you are selling.

To avoid fraud, some common sense tips:

• Never provide your bank details
• Do not respond to these solicitations
• Inquire about the organization to verify that it is accredited
• Never pay any sums of money in exchange for obtaining credit or delivering checks

If you think you have been scammedcontact 0805 805 817 (Scam info).

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