The 10 most common scams
- card fraud
payment card fraud payment occurs when someone obtains, without your consent, your credit card or flow in order to make a copy or use them to fraudulently obtain goods, services or money.
Tip: The best way to prevent payment card fraud is a vigilant and inform the authorities concerned as soon as you realize that you lost your cards.
- Phishing ( phising )
Phishing is a mass emailing using the identity of a financial institution in order to collect your personal information and then use them for banking to divert funds.
Tip: financial institutions never send email to update your personal information. If you get one, do not click the link in the email and contact your financial institution.
- Identity theft
Identity theft or identity fraud is the unauthorized use of your personal information, usually for criminal conspiracy to commit fraud or other type of crime.
Tip: Be careful and protect your personal information.
- Sale traveling
An example of itinerant sale: A "supposed" worker sent by the city presents itself to you for your chimney. Costs are low, you accept. The worker tells you he will return in a week, but you must pay now. Finally, you will never see him again.
Tip: Avoid pay now for work that will take place a few days or weeks later. Tell him you'll pay when the work is completed. Take note of its name and the name of the company for which he says work, and before his return, contact the College Quebec Professionals to see if the person he claims to be.
* Be alert! Many people accept the services, such as the chimney sweep, but have no chimney!
- Fraud Nigerian Fraud
Nigerian e-mail solicitation by promising a large sum of money in exchange for financial assistance.
Tip: Protect your computer and tell you that if it sounds too good to be true, it probably is.
- Fraud check: overpayment
Here's an example: You sell your old car for $ 1000, but the buyer you sends a check for $ 2,000. This tells you to cash the check and send the difference. However, the check was not legitimate. So you paid $ 1000, but have received no money for your car.
Tip: Before using provisions of the check, make sure that all deadlines have passed off. If you have not heard from your financial institution about it and the amount of the check is still in your account after that date, you'll know that the check is legitimate.
- Loan Private
Example: A person in your life you proposing to fund the project (buying a car, house, renovations, etc..) at a higher interest rate than you get for liquidity coveted. We offer to pay interest "under the table" in tax-sheltered. But be careful. The fraudster will you pay the first month of interest and will cease thereafter. When you try to get capital, it will no longer exist.
Beware of interest rates offered. A monthly rate of 5% = 60% annually.
tips- Before lending money to a third party (family, friends or others), make sure you take a right, an interest in the property and, in the case of a building, consult with legal counsel or a notary, or Register of personal and movable real (PPSA) for a vehicle
- Determine the repayment of the loan and verify the reasons why the person does not consult a financial institution . - Declare the tax revenue generated by interest.
- in doubt, do audits of lawyers, accountants, other professional or visit the AMF .
- Before lending money to a third party (family, friends or others), make sure you take a right, an interest in the property and, in the case of a building, consult with legal counsel or a notary, or Register of personal and movable real (PPSA) for a vehicle
- Financial planners
Most financial planners are honest, but there are still exceptions, especially in the period of RRSP contribution. Some people say financial planners and pocket your investments.
Tip: Avoid personal checks. Let them rather in the name of the company. To view the register firms and individuals authorized to exercise, visit the website of the AMF .
- The false representation for commercials (for merchants)
A dealer is offering to place an advertisement at low cost. The only condition: pay now! The advertisement promised never see the day.
Tip: If you wish to published an advertisement, check with your local newspaper or from companies that have stores.
- The Accounts Receivable (for merchants)
An example: a client application that we put his purchases on his account and said it will pay at maturity (most of the time the payment period is 30 days). Unfortunately for you, you'll never see the color of money because your client had a false identity or account number that you provided does not exist.
Tip: Confirm the existence of your client's account with the financial institution and ask for permission to conduct audits on its history payment.
Copy / Paste this address and Reliable: http://www.sq.gouv.qc.ca/prevenir-la-criminalite/dix-arnaques-les-plus-courantes/dix- scams-courantes.jsp
In France or prevent: https: / / www.internet-signalement.gouv.fr/PortailWeb/planets/Faq.action; jsessionid = FF99C038DCA192A234AFA2F462015BC0
On this site it is possible a few clicks to report illegal content you feel (scam, phisihing ...) but also to conduct illegal: incitement to racial hatred, violence, defamation ...
On the other side of site are the police who deal alerts: according explanations provided on the site,
- "If the content or illegal behavior is reported, the alert is a service-oriented investigation National Police, National Gendarmerie, Customs or the Directorate General for Competition, Consumption and Repression of Fraud. A criminal investigation may be opened under the authority of a prosecutor.
- If the reported content is illegal but designed abroad, it is forwarded to Interpol which directs them to the judicial authorities of that country. "
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