Just want every one to know about this horrible scammer

[Guest asainb]

Here is the email I received from Scott Martin:

bmrmartin102@gmail.com

"Hello ,

I was just checking the web and i found your profile so interesting

and am really interested in your profile,because it was so cool and

nice sexy pictures. I am Engineer Martin Bil Smith 41yrs old From

Canada But currently in London, i will need you on my Business Trip To

Africa/Nigeria on the 9th of November 2011 for 7days, Just want you to

stay with me and keep me warm throughout my stay in Africa.i need

someone who is very decent,kind,honest,trustworthy and secretive just

to protect my image and Name. Just need you to come and give me some

massages allover me and keep me warm throughout my stay in

Africa/Nigeria Republic. I am ready to offer you a good sum of

(1,600.00 pounds)for this trip per day for 7days, hope its okay ? i

will have to pay you an upfront even before you leave the country. All

Necessary documents will be arranged for you, so feel free to get back

to me only if you are interested and willing to go with me.Please do

get back to me only if you are willing and able to go with me as i

don't want you to waste my time, and do get back to me ASAP because of

other things at hand as am always a busy man. Look forward to hearing

back from you soon.

Regards

Martins

+447045778279":

[hornytwells]

Surely no-one in their right mind would take this sort of email seriously??

[bigvalboy]

And?...... is that it?

[bigvalboy]

I dunno, seems kinda nice to me........you do know I'm kidding. Right, but what is the rest of the story.? Did you contact him and tell him to F---- off?

[Mark Gordon]

All escorts receive & disregard such emails on a frequent basis, but thanks for trying to be helpful.

[jjkrkwood]

I get this sort of email ALL the time, usually written in broken english from guys in various parts of the world, and usually from the Adam4Adam site. I am NOT an escort and they offer me all sorts of shit. Maybe because I am old they think I am a sugar daddy type and easy prey? When things dont make sense, IGNORE THEM !!!!!

[Steven_Draker]

The Nigerian Counterfeit Check Fraud:

Ruining lives by the thousands

 

CONVINCING UNWITTING VICTIMS TO DEPOSIT FORGED CHECKS OR ACCEPT WIRED FUNDS

 

 

The Bank's Role

In order to understand the bank's role in all of this, you must first understand what a bank really is.

 

In it's very simplest form, a bank is an accountant with a calculator, a ledger, a safe, and a license to take money in for safekeeping. Everybody's money is kept in the safe, and separated by owner in the ledger, not the safe. A simple system of debits and credits. That's it folks. Everything beyond that consists of add-on services to garner more deposits from customers so that the accountant can pay for the overhead.

 

The way in which the accountant pays for the overhead is by charging a small fee for maintaining each account (i.e. accounting for the funds in his care), and by judiciously lending out a portion of the gross deposits. By charging interest on the loans, some of which is shared with the depositors, he can now pay for his office and his salary.

 

A bank is a building that houses the accounts of its depositors

 

None of the money in that building belongs to the bank itself, other than what it earns in fees for service and its portion of interest on loans and investments.

 

The processes of modern banking are complex, particularly since the advent of electronic banking, the current tremendous growth of international trade and trade banking, and the seemingly endless rules and regulations, but the basics remain the same.

 

So along comes Joe with a forged check from a Nigerian con artist. Granted, Joe doesn't know the check is forged, but that's not the real problem. The problem is where the money comes from that will go into Joe's account for him to spend. You see, in the case of a forged check, it comes from Joe's neighbors. It comes out of that "safe" we talked about in the first paragraph.

 

JoesBank

And this is how it works. We'll call the place where Joe keeps his checking account "JoesBank."

 

JoesBank electronically verifies the check that Joe brought in. In other words, a teller or bank officer looks up the check owner's account on a computer. Sure enough, there's money in the account on which the check is drawn. Joe's account is credited with the amount of the check.

 

There are two processing possibilities for crediting Joe's account:

 

1. If the check is a Cashier's Check or if Joe is a customer in good standing, Joe's account may be immediately credited with funds.

"Immediately" means that a portion of the money in the JoesBank "safe" is credited to Joe's account pending receipt of the funds from the bank that issued the Cashier's Check.

Normally, the Cashier's Check bank debits funds from its "safe" and sends them to JoesBank. JoesBank puts the funds from the Cashier's Check bank back in its "safe."

I'm simplifying here, but only by very little. No point in getting into each detail of how money moves through the Federal Reserve, going back and forth between banks.

In any event, in this case the Cashier's Check is denied, so there is no money to put back in the JoesBank "safe" to replace the money credited to Joe's account.

 

2. If the check is a regular corporate check, it's sent through the system. This means that a Hold is placed on the check until it clears. That means the check is presented to the account holder's bank and, if there are sufficient funds in the account holder's account on the day the check arrives, the amount is credited to JoesBank.

 

"Clears" is an electronic term. It means that the amount of the check is electronically conveyed to the account holder's bank as a debit, followed by the physical check which travels in what are called "batches" to a check clearing house.

Again, I'm simplifying but it's not much more complicated than that. Basically, Brinks picks up a bag (batch) of checks from JoesBank at the end of the banking day, drives them to the local check clearing house, and from there the checks are sent off to the various banks they came from.

 

Back to clearing the check. A check travels through the system electronically and physically. The check owner's bank electronically acknowledges receipt of the debit, debits the check owner's account, and forwards the funds back through the system to be credited to JoesBank, then to Joe's account.

 

Depending on the "route" (how many credit and debit processes the check owner's bank is from JoesBank), the entire process can take from just a few days to a couple of weeks.

 

Now comes the sticky part

Remember the physical check that Brinks picked up and transported to the clearing house? It is finally verified by actual eyes and declared invalid. If it's a Cashier's Check or Money Order, that happens fairly quickly.

 

If it's a corporate or personal check, eyes-on can take weeks depending on when statements are sent out and when the account holder actually eyeballs the check. Or verifies his account balance.

 

Once the check has been declared invalid (this includes Cashier's Checks, Money Orders, Traveler's Checks, what have you), the check owner's bank sends a debit through the system, debiting JoesBank for the amount in full, plus handling fees. JoesBank has no choice but to allow the debit to be taken from its "safe."

 

What's in the "safe" specifically means a portion of the sum total of the money that Joe's neighbors have left with JoesBank for safekeeping, minus that which is out on loan and invested. That's how the ledger is kept. Depositor money in, depositor money out. Because of the bank's license, it is the bank's fiduciary responsibility to retrieve those funds by whatever manner possible.

 

Since it was Joe's contractual responsibility as an account holder to be responsible for the true value of what he deposits into his account, Joe is the one to whom the bank turns.

 

Bad checks

Bad checks are a daily cost of doing business for any company. Happens all the time. Sometimes the company can recoup on a bounced check, sometimes its charged off to Bad Debt and becomes a Loss on the company's books. The company is out the amount of the check, plus the bounced check charge, plus the value of the product or service the check was written for. This may be tough on a company, but the financial consequences are far worse for the individual like Joe. In fact, the consequences can be overwhelming.

 

Many banks in the U.S. have yet to adjust their system or their way of thinking to the onslaught of the Nigerian Counterfeit Check Fraud. Yes, they could work out a loan with the victim for the entire amount of the loss plus expenses; but in many cases the victims are selling items because they are strapped for money to begin with. Some victims simply cannot afford to pay back a loan, leaving the banks to press on using whatever recourse is available to them.

______________________________

 

source: http://www.fraudaid.com/scamspeak/nigerian/counterfeit_check_fraud/counterfeit_check_03.htm

[bigvalboy]

Thank you Steven for posting this, absolutely fascinating!!!

[+ Charlie]

The mention of Nigeria in the original email was the red flag for me. I expect that he would tell you he wanted to meet you there at the start of the trip, but he would need you to send some money there first for some specious reason.

[jjkrkwood]

The mention of Nigeria in the original email was the red flag for me. I expect that he would tell you he wanted to meet you there at the start of the trip, but he would need you to send some money there first for some specious reason.

 

As I mentioned earlier, I have gotten these emails from VARIOUS parts of the world, same scenario, diff country, so be WARY......

[josephga]

I use to get those emails. someone claiming they wanted to get a massage everyday for 5 days offering double the rate

[Guest Merlin]

I think the way this would work it the "client" would send a large check for up front payment, requesting the escort to deposit in his account and send part of it back in a cashiers check for good faith or some such thing. Then the clients check bounces and he is out the amount of his cashier's check.

[bigvalboy]

Yes Merlin, if you read Steven Drakers posting on how money is posted and deposited and debited, that would or could be one of many scenarios.

[+ deej]

One of the most recent wrinkles on the Nigerian scam is using the names of well-known U.S. officials. They get their positions *almost* right.

 

A friend got one "from" "Secretary of Foreign Relations Mrs. Hillary Rodham Clinton". I got one "from" "Assistant Under Secretary of Finance Mr.Timothy F. Geithner".

[seeker630]

One of the most recent wrinkles on the Nigerian scam is using the names of well-known U.S. officials. They get their positions *almost* right.

 

A friend got one "from" "Secretary of Foreign Relations Mrs. Hillary Rodham Clinton". I got one "from" "Assistant Under Secretary of Finance Mr.Timothy F. Geithner".

 

Hillary wrote me too!

[MiamiLooker]

Email them back, providing a real name, address, phone number (I gave them the sheriff's name, phone number and address). They'll at least be out the cost and trouble of FedExing their check.

[MsGuy]

hahahahahaha, MiamiLooker, about 40 years ago there was a sheriff in Hinds County, Ms., who bit on a variant of this scam.

[+ purplekow]

I first was contact by our Nigerian friends in the 1980s with actual snail mail sent from Nigeria. I contacted the FBI locally and was told that if I had not given them any money to merely throw the letter way. They would indeed investigate if I had lost money. that investigation would probably have been piling my letter on top of all the others they have received.

[Steven_Draker]

Actually ABC News did an investigation a few years back. Here's the short documentary about the infamous Nigerian scam aka the 419 scam.

 

 

[video=youtube;Q0e-pPfITts]

[Guy Fawkes]

That Description has changed slightly through the years.

 

Actually that process has been changed slightly over the years. That changed in the United States with the introduction of the Check 21 law.

 

Many banks now routinely scan and shred your check, The electronic copy of the check is what is passed around. It is possible for a check to clear literally in seconds and it is not unusual for it to happen overnight.

[+ deej]

It's also becoming common for businesses to scan (and later destroy) the checks they receive rather than taking them to the bank for physical deposit. The check may never make it into the banking system except as a scanned image.

 

Note, however, that depositors using scanned deposits are required to keep the physical checks for a certain number of days after deposit -- presumably as evidence should that be needed.

[Mocha]

Here is the email I received from Scott Martin:

bmrmartin102@gmail.com

"Hello ,

I was just checking the web and i found your profile so interesting

and am really interested in your profile,because it was so cool and

nice sexy pictures. I am Engineer Martin Bil Smith 41yrs old From

Canada But currently in London, i will need you on my Business Trip To

Africa/Nigeria on the 9th of November 2011 for 7days, Just want you to

stay with me and keep me warm throughout my stay in Africa.i need

someone who is very decent,kind,honest,trustworthy and secretive just

to protect my image and Name. Just need you to come and give me some

massages allover me and keep me warm throughout my stay in

Africa/Nigeria Republic. I am ready to offer you a good sum of

(1,600.00 pounds)for this trip per day for 7days, hope its okay ? i

will have to pay you an upfront even before you leave the country. All

Necessary documents will be arranged for you, so feel free to get back

to me only if you are interested and willing to go with me.Please do

get back to me only if you are willing and able to go with me as i

don't want you to waste my time, and do get back to me ASAP because of

other things at hand as am always a busy man. Look forward to hearing

back from you soon.

Regards

Martins

+447045778279":

 

So did you get scammed? I've also gotten stuff from Britain, Germany, and Norway I believe. My first reaction was: Why the hell would I want to spend 5 days with someone I don't even know, much less never met?

[maxwellissmart]

Surely no-one in their right mind would take this sort of email seriously??

 

Yeah, I just responded to that very email with a succinct: "How big is your cock?" They didn't write back.