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| Please tell me this isn't going to land me in jail. | ||
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| [FT] Ag3nt |
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![[FT] Ag3nt](/thumb.php?src=%7Be_IMAGE%7Dgeneric%2Fblank_avatar.jpg&w=100&h=0)
Registered Member #417
Joined: Thu Sep 07 2006, 03:37AMPosts: 52 |
I hope that makes sense. Seriously, this is one of the most common scams ever. I get them in my email all the time saying I won a shitload of money, or some king in Nigeria has a dowry that he needs to wire me. Its all the same. Scammer sends check, I deposit check, I sent him money, bank says check was bad, I dont have money no more, king of nigeria pulls off a 4000 dollar scam. DO NOT FUCKING DO THIS. I SWEAR TO JESUS CHRIST I WILL GET YOU BANNED FROM LIFE ITSELF. So kindly tell premium art supplies to fuck off. |
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| [FT] Ag3nt |
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Registered Member #417
Joined: Thu Sep 07 2006, 03:37AM Posts: 52 |
By the way, just so you realize the gravity of your situation, and why you should call and see if anything can be done to cancel whatever transaction you just made/ tried to make... WHATEVER MONEY YOU SENT AWAY TO THEIR BANK ACCOUNT YOU JUST LOST, PLAIN AND SIMPLE. I'm assuming you did, so if you sent 12000 dollars away and kept 1000, guess what, you just lost all of it. And no im not shitting you i know exactly whats going on. Fake cheques Fraudulent cheques and money orders are key elements in many advance fee scams, such as auction/classified listing overpayment, lottery scams, inheritance scams, etc, and can be used in almost any scam when a "payment" to the victim is required to gain, regain or further solidify the victims' trust and confidence in the validity of the scheme. The use of cheques in a scam hinges on a U.S. law (and common practice in other countries) concerning cheques: when an account holder presents a cheque for deposit or to cash, the bank must (or in other countries, usually) make the funds available to the account holder within 1-5 business days, regardless of how long it actually takes for the cheque to clear and funds to be transferred from the issuing bank[26]. The cheque clearing process normally takes 7-10 days and can in fact take up to a month when dealing with foreign banks. The time between the funds appearing as available to the account holder and the cheque clearing is known as the "float", during which time the bank could technically be said to have floated a loan to the account holder to be covered with the funds from the bank clearing the cheque. The cheque given to the victim is typically counterfeit but drawn on a real account with real funds in it. With a piece of software like QuickBooks and/or pre-printed blank cheque stock, using the correct banking information, the scammer can easily print a cheque that is absolutely genuine-looking, passes all counterfeit tests, and may even clear the paying account if the account information is accurate and the funds are available. However, whether it clears or not, it will eventually become apparent either to the bank or the account holder that the cheque is a forgery. This can be as little as three days after the funds are available if the bank supposedly covering the cheque discovers the cheque information is invalid, or it could take months for a business or individual to notice the fraudulent draft on their account. It has been suggested that in some cases the cheque IS genuine - however the fraudster has a friend (or bribes an official) at the paying bank to CLAIM it is a fake weeks or even months later when the physical cheque arrives back at the paying bank. Regardless of the amount of time involved, once the cashing bank is alerted that the cheque is fraudulent, the transaction is reversed and the money removed from the victim's account. In many cases, this puts victims in debt to their banks as the victim has usually sent a large portion of the cheque by some non-reversible 'wire transfer' means (typically Western Union) to the scammer. Some victims have even been prosecuted for fraud in the scammer's stead, the argument being that the victim "should have known better" than to participate in such a scheme, and thus was a willing conspirator in the fraud. Edited Fri Jul 11 2008, 05:52PM |
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| Maddogme |
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Registered Member #964
Joined: Sat Jan 12 2008, 07:23PMPosts: 1776 |
Sucks for you. | ||
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| NoSkill |
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Sir
Registered Member #457
Joined: Tue Oct 10 2006, 01:13PMPosts: 2628 |
STOP PAYMENT ON THAT CHECK IMMEDIATELY!! AGENT IS ABSOLUTELY RIGHT. COMMERCIAL CHECKS TAKE A WEEK TO "CLEAR" IF THE CHECK DOESN'T "CLEAR" AMD YOU DON'T HAVE THE $4,300 IN YOUR ACCOUNT YOU WILL OWE IT TO YOUR BANK. WHY WOULD YOU THINK THIS WAS LEGIT!? |
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| Madvillain |
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Registered Member #445
Joined: Sun Oct 01 2006, 11:42PMPosts: 2233 |
[FT wrote ... Ag3nt] Come on fellas, be smart. It's not money laundering, this is an extremely common scam. It goes like this, i'll substitute in chump for where you fit in this whole scheme. So fuckass scammer sends you a check usually a cashiers check and tells chump to deposit it. Then chump goes to bank and deposits money. Chump thinks WOW! how come other people don't do stuff like this. Chump thinks he is getting a great deal. Chump sends the money from his account to another account thinking that he will do this forever and live like chump king. What chump doesn't know is that even though the money "technically" goes into the bank, the check hasn't actually cleared yet. And when chump "sends" money to this company he is actually sending them his own money that can never be recovered. See because this carefully crafted check bounces around for so long that you think the check is good. But in fact the check has absolutely NO MONEY to its name, so if you are chump enough to send them their "share" what you are actually doing is sending away YOUR OWN MONEY. After the bank realizes the check is false, they will cancel the check and take the money out. Heaven forbid you have spent it or sent it away then they will ask you for the money back that you have unwittingly sent away to scammer. Not money laundering, illegal and shameful yes however. l, mao it was a cashiers check. but but still i ono....you sure? lol |
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| Madvillain |
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Registered Member #445
Joined: Sun Oct 01 2006, 11:42PM Posts: 2233 |
rofl wow PREMIUM ART OWNED ME. but fucking FUCK | ||
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| Madvillain |
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Registered Member #445
Joined: Sun Oct 01 2006, 11:42PM Posts: 2233 |
well i used an empty account so worse come worse, i come outta this with absolutely no money. which im ok with. phate screamed out laundering i went huh? what? NOOO.. |
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| NoSkill |
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Sir
Registered Member #457
Joined: Tue Oct 10 2006, 01:13PM Posts: 2628 |
Dude... did you wire the money to them? Or issue them a check? If you issued them a check, stop payment on it NOW. If you wired them the money... dude... you just lost $4,300... The last thing you need is people jumping on your case right now... but dude... you gotta know how to spot a scam when you see one. Jesus fuck... |
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| NoSkill |
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Sir
Registered Member #457
Joined: Tue Oct 10 2006, 01:13PM Posts: 2628 |
DUDE IT DOESN'T MATTER IF THE MONEY IS IN YOUR ACCOUNT IS EMPTY OR NOT!!!! IF YOU ISSUE A TRANSFER FROM DEPOSITED FUNDS, THE FUNDS DON'T CLEAR, YOUR TRANSFER IS STILL REAL!!! YOU WILL GO INTO DEBT FOR HOWEVER MUCH WAS WIRED!!! WHY ARE YOU LAUGHING!? Edited Fri Jul 11 2008, 08:11PM |
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| NoSkill |
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Sir
Registered Member #457
Joined: Tue Oct 10 2006, 01:13PM Posts: 2628 |
Read that paragraph, a bank must make the funds available to you within 1-5 days. But it could take 7 days or LONGER for the issuing bank to clear the funds. If the issuing bank DOESN'T clear the funds, then the money your local bank made available to you, YOU WILL THEN OWE THEM. That's why you never move or spend money on the float... because technically it doesn't exist... wow dude... I can't believe you're laughing right now. |
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