No, this is an internet/email scam that has been going around for over a decade. It is a phishing scam being used to play on sympathies and take your money.
The basic answer is that all such people claiming to be in such camps are trying to defraud. Very few people in a refugee camp, if any, would have internet access. Especially to the extent that these people have.
If you have you received an email from a person (especially a girl) who claimed he/she is residing in a refugee camp in Dakar, Senegal, I can assure you it's a scam and there is no camp in Senegal. That person is a swindler.
There has been an "advance fee" scam going for awhile in which a person - most always a girl/woman - will strike up contact with someone, either as a pen pal or some other innocent encounter. Then, at a certain point, she'll let it drop that she could get a lot of money owed her, or even get out of the refugee camp, if only she had $X for this, that or the other.
There are several camps in Senegal and should you wish to donate any money it is highly recommended you do so through a recognized charity.
If you suspect fraud, you may be asked to sign a statement under oath that you did not make the purchase(s) in question.For More InformationThe FTC (Federal Trade Commission) works for the consumer to prevent fraudulent, deceptive, and unfair business practices in the marketplace and to provide information to help consumers spot, stop, and avoid them. To file a complaint or to get free information on consumer issues, visit ftc.gov or call toll-free, 1-877-FTC-HELP (1-877-382-4357); TTY: 1-866-653-4261. The FTC enters consumer complaints into the Consumer Sentinel Network, a secure online database and investigative tool used by hundreds of civil and criminal law enforcement agencies in the U.S. and abroad. Internet Fraud
FBI - REPORT INTERNET FRAUD
Don't throw anything in the bin that has your name or address on it, protect your card pins at all times if you use your credit cards online make sure that you have the right protection on your PC and make sure you use secure websites. Don't give out personal information over the telephone.Reporting Credit Card FraudIf you lose your credit card or if you realize it's been lost or stolen, immediately call the issuer. Many companies have toll-free numbers and 24-hour service to deal with such emergencies. By law, once you report the loss or theft, you have no further responsibility for unauthorized charges. In any event, your maximum liability under federal law is $50 per card.
If you suspect credit card fraud, you may be asked to sign a statement under oath that you did not make the purchase(s) in question.
You will need to contact your credit card company - they will walk you through the procedure. They should immediately put a block on your file and report it to the exception files. They may ask you for an affidavit or a police statement. If you're concerned that they're giving you the run-around, you should read up on your rights as a consumer-
If you have you received an email from a person (especially a girl) who claimed he/ she is residing in a refugee camp in Dakar, Senegal (or any other country or camp), its most likily a scam.
Please do not fall for this nonsense. There are a hundred scam mails running around with the same story, they just change the girls name.
The basic answer is that people claiming to be in such camps are trying to defraud you.
Very few people in a refugee camp, if any, would have Internet access. Especially to the extent that these people have.
If you have received an email from a person (especially a female) who claimed he/she is residing in a refugee camp in Dakar, Senegal, it is a fraud. There is no camp in Senegal. That person is part of a well-known swindle.
Should you wish to donate money to refugee camps it is highly recommended you do so through a recognized charity.
Here are answers from various WikiAnswer contributors:
(there is also a sample letter posted further down this page)
" My name is XXXX XXXXXX from South Sudan, but presently i am residing at the N'dioum refugee camp here in Dakar Senegal as the result of the civil war out of political crisis going on in my country, the camp is headed by the Rev whom i use his office computer to write to you when he is less busy at the office, i was a medical student reading nursing before the incident that leads me to be here. My Father Dr XXXXXX XXXXX XXXX ,died in December 2011 . My father was a freedom fighter, he was the leader of the South Sudan Democratic Movement , and the South Sudan Army before the rebels attacked our house one early morning and killed him alongside with my sweet mother oh? may their souls rest in peace, i managed to make my way to Senegal where i am living now as a refugee by the help of the Red Cross Society. I will like to know more about you, your likes and dislikes and what you are doing presently, i will tell you more of me in my next mail if you write back to me again. i will be waiting patiently to read again a mail from you, thanks and God bless you, i remain yours forever. "
integrated service digital network
If you get mail or email about refugee Catholic anything in Dakar Senegal, it is spam, they are trying to get money, your email address, anything. Do not reply, nor answer, just report it to the authorities.
It would appear not. It would appear, from various searches, that most of the mail coming from Dakar Senegal claiming to be Catholic Churches are scams. If you get any such mail or email, please report it at once and do not respond to it.
There may well be, but the information on specific Churches in Dakar Senegal is not on the web; HOWEVER, there is a huge amount of information on SPAM and other con-artists that use Catholic Church in Dakar, be very careful.
It possibly stands for bench warrant.
In UK it does it is normally issued when someone fails to turn up in court and can be issued either with or without bail.
The Royal Bank of Scotland is very much aware of a number of scams that intend to take money from unsuspecting people. Their website devotes several pages to the subject. Please see discussion comments for those and other links regarding banking scams.
One of the most common scams is called "transfer fee scam" or "advance fee scam". The "mark" or selected victim is sent a barrage of emails encouraging friendship, then enlisting their help. There is usually some very sad tale of woe, like
The end result is that there is no bank account awaiting transfer, the transaction fee disappears into the pockets of the scammers along with the contents of the victim's bank account.
If you receive any messages even vaguely similar to the above scenario
No. Any information found using the name of Nelson Smith at the Royal Bank of Scotland indicates that the request is a Scam and there is no such person at the Royal Bank of Scotland, nor is there a position called "Transfer Officer".
There is no job titled "Transfer Officer" at the Royal Bank of Scotland.
Mr. Oliver Stocken is a fictional Bank Employee used in 419 E-Mail Scams.
Previous work includes roles on UPN's long-running situational comedy "Moesha" starring Brandy Norwood.
Yes, they made good bots before, but when runescape updated the returning of trade and wilderness, they updated all their scripts into scam scripts, wich got em able to see all of players passwords who used their bots. And they took all the money by alot of people, wich makes them possibly the richest in the whole rs.
Here are some tips to help protect yourself from credit card fraud.
Sign them as soon as they arrive.
Carry them separately from your wallet, in a zippered compartment, a businesscard holder, or another small pouch.
Keep an eye on them during transactions, and get them back as quickly as possible.
Keep a record of your account numbers, their expiration dates, and the phone number and address of each company in a secure place.
Void incorrect receipts.
Save receipts to compare with billing statements.
Open bills promptly and reconcile accounts monthly, just as you would your checking account.
Report any questionable charges promptly and in writing to the issuer.
Notify card companies in advance of a change in address.
Lend them to anyone.
Leave them, or receipts, lying around.
Sign a blank receipt. When you sign a receipt, draw a line through any blank spaces above the total.
Write your account number on a postcard or the outside of an envelope.
Give out your account number over the phone unless you're making the call to a company you know is reputable. If you have questions about a company, check it out with your local consumer protection office or Better Business Bureau.
Avoiding Credit and Charge Card Fraud
A thief goes through trash to find discarded receipts or carbons, and then uses your account numbers illegally.
A dishonest clerk makes an extra imprint from your credit or charge card and uses it to make personal charges.
You respond to a mailing asking you to call a long distance number for a free trip or bargain-priced travel package. You're told you must join a travel club first and you're asked for your account number so you can be billed. The catch! Charges you didn't make are added to your bill, and you never get your trip.
Credit and charge card fraud costs cardholders and issuers hundreds of millions of dollars each year. While theft is the most obvious form of fraud, it can occur in other ways. For example, someone may use your card number without your knowledge.
It's not always possible to prevent credit or charge card fraud from happening. But there are a few steps you can take to make it more difficult for a crook to capture your card or card numbers and minimize the possibility.
Guarding Against Fraud
Here are some tips to help protect yourself from credit and charge card fraud.
* Sign your cards as soon as they arrive.
* Carry your cards separately from your wallet, in a zippered compartment, a business card holder, or another small pouch.
* Keep a record of your account numbers, their expiration dates, and the phone number and address of each company in a secure place.
* Keep an eye on your card during the transaction, and get it back as quickly as possible.
* Void incorrect receipts.
* Destroy carbons.
* Save receipts to compare with billing statements.
* Open bills promptly and reconcile accounts monthly, just as you would your checking account.
* Report any questionable charges promptly and in writing to the card issuer.
* Notify card companies in advance of a change in address.
* Lend your card(s) to anyone.
* Leave cards or receipts lying around.
* Sign a blank receipt. When you sign a receipt, draw a line through any blank spaces above the total.
* Write your account number on a postcard or the outside of an envelope.
* Give out your account number over the phone unless you're making the call to a company you know is reputable. If you have questions about a company, check it out with your local consumer protection office or Better Business Bureau.
Reporting Losses and Fraud
If you lose your credit or charge cards or if you realize they've been lost or stolen, immediately call the issuer(s). Many companies have toll-free numbers and 24-hour service to deal with such emergencies. By law, once you report the loss or theft, you have no further responsibility for unauthorized charges. In any event, your maximum liability under federal law is $50 per card.
If you suspect fraud, you may be asked to sign a statement under oath that you did not make the purchase(s) in question.
For More Information
The FTC works for the consumer to prevent fraudulent, deceptive and unfair business practices in the marketplace and to provide information to help consumers spot, stop, and avoid them. To file a complaint or to get free information on consumer issues, visit www.ftc.gov or call toll-free, 1-877-FTC-HELP (1-877-382-4357); TTY: 1-866-653-4261. The FTC enters Internet, telemarketing, identity theft, and other fraud-related complaints into Consumer Sentinel, a secure, online database available to hundreds of civil and criminal law enforcement agencies in the U.S. and abroad.
I try not to use my credit card online after having it cracked. I use prepaid cards like paysafecard instead which is convenient and helps you to avoid unpleasant negotiations with your bank in case of fraud.
Who is Michelle Mathews? This is a common name.
Yes, it's a scam. An "advance fee" scam. Or 419 or Spanish Prisoner.
IT IS A WORK OF SCAMSTER AND FRAUD < I HAVE ALSO RECEIVED A MAIL REGARDING THIS > I DONOT UNDERSTAND HOW ON EARTH CAN I GET JOB WITHOUT EVEN APPLYING FOR AND NEVER EVER BEEN APPERAED FOR INTERVIEW SO MY ADVICE DONOT FALL PREY TO SUCH SCAMSTERS AND FRAUDS AND THUG
Yes, the word fraud comes from the old jewish word fraudalaki which means to steal or take from the poor. I myself have dealt with many frauds in the court of law. Depending on the severity of the case, the criminal can spend up to 3 years community service at the local gas station.
Robert Heinlein has a saying "TANSTAAFL" (There Ain't No Such Thing As A Free Lunch). If it looks too good, it probably is.
There is a fraud promising you millions of dollars from a "government official" (or Widow, or son of a widow, etc.) in Nigeria (or some other small country) with a "secret" bank account, but all they need to transfer the money to you is:
(a)Your Company's Name and Address
(b)Your full Name(s), Telephone, and Fax numbers (Private and Company)
(c)Your Bank Name, Address, Account number, Telex and swift code (if any).
This is the start of the Nigerian AFF (Advance Fee Fraud). A summary is that they ask for you to "help" pay some fees that are required to get the money out of the country, then they try to get you to go to Nigeria (or a bordering country) to meet.
At this point they try to get you into the country without a visa, promising that they will get you a visa. At that point they have you under their control since you are in Nigeria without a visa (no, they never got you a visa) and they start intimidation (physical or otherwise) trying to get money from you.
According to the Department Of State in publication 10465 (release April 1997) "15 foreign businessmen (one American) have been murdered in Nigeria AFF scams".
The Advanced Fee Frauds can also take the form of:
To see the details of this fraud from the U.S. Department of State, see the link below.
Advance Fee Fraud, otherwise known as 419 in Nigeria simply means the demand for and payment of an advance fee in form of tax, brokerage, bribe, etc under the pretence that such is needed to consummate a business deal whether the business in itself is genuine or not. The term 419 derives from section 419 of the Nigeria Criminal Code, which dealt with this offence before the promulgation of the Advance Fee Fraud Decree No 13 in 1995.
Advance Fee Fraud is introduced to intended victimsthrough scam letters containing false information on:
Requests are initially simply and easily accomplished by unsuspecting minds, and are a natural extension of scam letters, which contain the sort of information mentioned above. These letters are tempting, as they tend to show the ease with which money can accrue to the addressees. Thus when items such as particulars of bankers, Company letter head stationeries and blank Company pro-forma invoices are asked for, they are usually received.
Writers of Fraudulent (scam) letters often purport to be persons of social distinction giving themselves bogus prefixes such as Alhaji, Doctor, Prince, Engineer, Chief, HRH (His Royal Highness) etc. They also lay claim to positions of high status as in being Chief Executive Officers, Chairmen, and Executive Directors etc. These positions are claimed to be held in Government offices such as the Federal Ministry of Finance (FMF), Central Bank of Nigeria (CBN), Nigeria National Petroleum Corporation (NNPC), Nigeria Security Printing & Minting Company (NSPMC), Nigeria Telecommunications (NITEL), Nigeria Postal Services (NIPOST), Ministry of Defence (MOD), etc.
The purported advantage of such proposals lies in the making of huge monetary gains with minimal effort or input. In the case of transfer of funds, there is the inducement of a commission of between thirty to forty percent of the total amount involved to the benefit of the addressee.
Advance Fee Fraud demands surface soon after a link with a would-be victim has been made, and normal course of communication established. Series of demands for money are made under several guises, one demand metamorphosing to the other until the victim is unwilling to make further payments in the apparent realization of deceit in the whole transaction.
Such guises include request for:
Note that these demands do not exist in normal and actual Government contracts. They are a part of the usual ploy to extort money from unsuspecting victims.
The victims targeted by Advance Fee Fraudsters are in the main, foreign nationals who are invited to the country by fraudulent letters, and investors who having arrived the country for genuine business are schemed into fraudulent and frivolous transactions ostensibly to defraud them. Information about such foreigners is easily and usually obtained from catalogues of foreign companies.
What to Do
Upon the receipt of any letter suggesting the inference that it could be fraudulent going by the above analysis, take any of the following actions as applicable:
What Not to Do
Latest Government Measures Against Advance Fee Fraud
Banks and other LEGAL entities will NEVER notify a person by E-mail that you have "won" a prize or lottery. Further, NO legal and legitimate "winnings" EVER require a person to pay to get legitimate winnings. If you consider this logically: Let's say you have a friend who tells you, "I will give you 20 dollars." You say, "Great!" But your friend says, "To get the 20 dollars, you must first pay me a "fee" of 18 dollars in order to get the 20 dollars." Well, you'd tell your friend, "That's insane--I'm not going to give you 18 to get 20!" Besides that, if you are fooled and give this 18 dollars, your friend could just walk way, not give you the 20 dollars, and be 18 dollars richer--for doing nothing except fooling you. That is what email scams do--try to fool you to "pay a fee" to get imaginary "winnings" that you will never, ever get. ALSO, if you deposit a check to your account and it bounces, *YOU* are legally responsible for the check amount AND fees.
Do NOT ever reply to an Email Scam that says you "won" or "inherited" money.
This is one among the million spam emails that are floating around to cheat people off their hard earned money.
DO NOT RESPOND AND DO NOT PROVIDE YOUR BANK DETAILS. YOU WILL 100% LOSE YOUR MONEY.
Short answer: No. The law in the state of North Carolina states that a sole proprietorship, partnership, or LLC is required to carry workman's compensation coverage if you have three or more employees. Employees can be full-time, part-time, regular, seasonal, or family members. Sole proprietors, partners, and managers and members of the LLC are NOT included in the headcount.
Do not give away any secret information like passwords, account number, phone number, credit number, house address.
Astrology is the practice of the interpretation of how the movement of the Sun, Moon, planets and sometimes asteroids can influence events and human behaviour. Aspects, angles and houses are also used.
This is a new type of scam or con. According to the SEC: "Affinity fraud refers to investment scams that prey upon members of identifiable groups, such as religious or ethnic communities, the elderly, or professional groups. The fraudsters who promote affinity scams frequently are -- or pretend to be -- members of the group. They often enlist respected community or religious leaders from within the group to spread the word about the scheme, by convincing those people that a fraudulent investment is legitimate and worthwhile. Many times, those leaders become unwitting victims of the fraudster's ruse." See the complete SEC alert linked to the right.
Yes this is true.
Horary astrology is a very ancient and interesting branch of traditional astrology, which deals with the answering of specific questions. This branch of astrology is a very specialized application of astrology for very specific purposes. Modern astrology deals with making predictions about the life of a person depending on their Birth Chart (horoscope), which is a mathematical interpretation of the time and date of their birth, in relation to the place of their birth. But in Horary Astrology, no such horoscope is required. The answers to specific questions asked from horary astrologers are given according to the time of birth of that particular question and not the time of birth of the person asking it. Based on the exact time that a question is asked, a horary chart is made for that question. This chart takes into account the strength and position of the celestial bodies at the time of asking the question, and this forms the basis for the corresponding events on earth and thus the answer to the question.
Credit cards are the order of the day especially in these tough economic times. Many credit card companies have changed their terms not to mention making it more difficult for consumers to obtain new credit cards.
The new Obama administration has also brought in new legislation to curb the bad practices that was in the industry. Yet even now credit card applications for people with bad credit are still available if you look hard enough.
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