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 #2 (permalink) Sat May 09, 2009 12:04 pm check and deposit, what do they mean? |
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A check ( US )a cheque ( UK ) is an instruction from you to your bank to pay whoever presents the cheque with the amount of money the cheque is worth.
In this instance deposit means pay ( deposit / place ) the cheque into your bank account.
It seems a futile scam because nobody with half a brain would send the buyer cash by wire transfer until the cheque had been cleared by their bank. Nor would they send the goods.
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 Kitosdad
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| #3 (permalink) Sat May 09, 2009 17:06 pm check and deposit, what do they mean? |
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| Kitosdad wrote: |
| It seems a futile scam because nobody with half a brain would send the buyer cash by wire transfer until the cheque had been cleared by their bank. Nor would they send the goods. |
Yeah, one would think so, but there's a reason why people run these scams, which is: because they work.
Someplace, somewhere there's always a naive, greedy, or gullible person enough person that will take the bait.
One variant of the above scam I've heard plays on the person's greed. The "buyer" asks the seller to accept the check for the amount larger than the purchase price, but as a reward for going to all this extra trouble, keep a percentage of that extra amount as a kind of 'transaction fee'.
Still, I agree, you'd think common sense would prevail, but common sense is anything but.
A lot of these scams are designed to prey upon the elderly, with the theory that an older person can be more easily confused, or even mentally/verbally abused into accepting. They're counting on the fact that it's easier to befuddle a senior simply because their mental facilities may dull with age. Insurance and investment scams in particular are commonly aimed at the elderly.
I find these particularly loathsome, because they're not relying on greed as much as they are something that's beyond the person's control. If you're just plain greedy and take the bait, that's your fault, but you can't control a mind feeble from age.
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Skrej
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| #4 (permalink) Sun May 10, 2009 3:56 am check and deposit, what do they mean? |
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Yeah it's horrible. Long ago I received a PM of a member in this forum that said he was from somewhere in Africa, and wanted to transfer some money to me. I was even moved at first by the rhetoric of the message about the trouble he was having. Hehe.
"The check you receive is fake and your bank may come after you for the total amount of the phony check"
I still don't understand this point. The check is fake so the transaction is void. Why does the bank ask you for this amount of money? |
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Sympathy
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