Fake loan redemption, check or transfer fraud, fake savings account… Bank scams are varied and dangerous. And the remedies are, unfortunately, almost non-existent. Be very careful in the face of these aggressive commercial offers.
It is not only in financial investments that the authorities constantly alert consumers to scams! Credit, check, transfer… Too attractive offers are often scams.
The false redemption of loan
A fake broker offers you Buy your credit at a more attractive rate. You need to fill in your personal data, provide your RIB… Simply, once the new credit has been removed, the scammer asks to collect the sum to proceed with the redemption of the first loan, then disappears. Intermediaries are often well-informed, and often impersonate approved companies, as the Prudential Control and Resolution Authority (ACPR) points out: ” Be especially vigilant against the risk of identity theft. Scammers use official data from authorized professionals to deceive public trust “.
Beware of “too good” to be true offers! Check on the ACPR blacklist that the company is not on it… But beware! these lists are not exhaustive.
The “miracle” credit scam
Very present on the Internet and in social networks, scammers have a well-established scenario: you are asked to take advantage of outstanding credit, a limited time offer, at a very advantageous rate, available very quickly, and without any verification of your resources. Onlyto obtain the funds, you must pay an administrative fee, via an international money transfer system. Of course, once the money has been paid, the fake loan will never be credited to your account!
Very often, these companies use the logos and websites of legal companies, to make their offers more credible.
And unfortunately, it is often very modest people looking for funding who are seduced by these offers.
Fake books: rates too high to be honest!
With short-term rates remaining very low, it is always tempting to hope for a better return… We very regularly find offers on the Internet for bank books remunerated at more than 5% per annum! Again, this is a scam. He is impossible to guarantee a higher short-term return than that of Livret A. When the money has been paid, and as soon as you want to recover your capital, the scammer has disappeared.
The fake RIB scam: artisans often targeted
After signing an estimate for a veranda, a pool…, you will receive an e-mail from the craftsman indicating his bank details (via his RIB) to pay. But his mailbox has been hacked, and it is on another bank account that you make the payment. This new scam is growing fast.
Before making the transfer, be careful. : check the country code of the bank (if it is foreign, be careful!) and, in case of doubt, contact your craftsman to check his data. From his side, the professional must secure his mailbox, via double authenticationso that an alert is sent to him as soon as a new computer tries to connect to his account.
Check for fraud: watch out for money laundering!
A contact offers you to cash a check on your account, or to receive a sum of money by transfer, and to transfer the money to him, in exchange for a commission? Redouble your vigilance. Why the ” mule bank fraud » is developing rapidly.
It is a money laundering technique and the transfer of funds used by cybercriminals with the bank account of a third person, called “bank mule”, to transfer to this account and to other accounts, illegally acquired funds.
Another control scam technique: selling a property on the Internet. The buyer sends you a check, but the amount is wrong. He added €500, and he asks you to return this sum to him by bank transfer or money transfer… But the check is stolen or forged. Your payment is refused by your bank (or your account is debited if the check was already provided). Permanently lose wired or transferred money.
Never accept a check for more than the transaction amount. For all these transactions, we prefer a cashier’s check, taking care to verify with your bank the authenticity of this check before disposing of the property you are selling.
To avoid fraud, some common sense tips:
• Never give out your bank details
• Do not answer these questions
• Check out the organization to make sure it is accredited
• Never pay sums of money in exchange for obtaining credit or sending checks
If you think you have been scammedcontact 0805 805 817 (Scam Info).