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#31
08-07-2005, 04:48 PM
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Re: This \"so called\" Nigerian stuff
[ QUOTE ]
[ QUOTE ] [ QUOTE ] [ QUOTE ] The reason I am skeptical about it being some Nigerian thing is because who(some guy in Nigeria?) is reading for sale ads of the LVRJournal,and trying to scam a guy selling a go-kart. Come on. I guess you can believe that if you want. [/ QUOTE ] So are you saying you think this was not a scam? [/ QUOTE ] Oh, right I'm gonna send 4,500.00 to some guy in Nigeria BEFORE his check cleared. If I did that then it would be a scam. How many people do you know would fall for that dude? I didn't fall for it. You believe guys in Nigeria are reading the LVRJournal go-kart for sale ads looking to scam them. What do you think Jake? [/ QUOTE ] Fine, it wasn't a Nigerian guy. The title of your post threw us off originally. However, it's still the same scam, regardless of where it originated. [/ QUOTE ] Ooooohhhh... The argument is that it isn't a "Nigerian" scam because it wasn't from Nigeria? Dude, a lot of them aren't necessarily from Nigeria now. People still refer to them as the "Nigeria scam" because they're pretty much the same thing. [img]/images/graemlins/tongue.gif[/img] 
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#32
08-07-2005, 04:56 PM
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Re: This \"so called\" Nigerian stuff
That's exactly what I was saying. It's still the same scam, and it still can be called a "Nigerian scam", regardless of where it is originating from. For some reason I thought the OP mentioned him mailing a cheque to Nigeria, but I re-read it and realized that it didn't say anything about that.
I'm sure Nigerians aren't happy with these scams being named after them, but until they clean up the fraud rings operating freely in their country they don't have a leg to stand on.
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#33
08-07-2005, 05:00 PM
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Re: This \"so called\" Nigerian stuff
o you had actually STARTED the procedure to send $4500 back to the address you were given. The only reason you didn't complete the procedure was because of the bank teller. *You* fell for the scam, but luckily for you the bank teller saved your ass before it was too late.
I started the procedure after my bank had CLEARED his check. Why wouldn't I? The only reason I cancelled the deal was because according to one of the banks employees the Check could be declared invalid after the fact.How? When was the last time you had a check declared by your bank good and then they tell you later that it's no good? The only thing I don't understand is why that employee mentioned any of this, because once the bank cleared that check they are responsible if something goes wrong later. But I just said heck with it.
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#34
08-07-2005, 05:01 PM
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Re: This \"so called\" Nigerian stuff
</font><blockquote><font class="small">Svar på:</font><hr />
</font><blockquote><font class="small">Svar på:</font><hr /> </font><blockquote><font class="small">Svar på:</font><hr /> </font><blockquote><font class="small">Svar på:</font><hr /> </font><blockquote><font class="small">Svar på:</font><hr /> The reason I am skeptical about it being some Nigerian thing is because who(some guy in Nigeria?) is reading for sale ads of the LVRJournal,and trying to scam a guy selling a go-kart. Come on. I guess you can believe that if you want. [/ QUOTE ] So are you saying you think this was not a scam? [/ QUOTE ] Oh, right I'm gonna send 4,500.00 to some guy in Nigeria BEFORE his check cleared. If I did that then it would be a scam. How many people do you know would fall for that dude? I didn't fall for it. You believe guys in Nigeria are reading the LVRJournal go-kart for sale ads looking to scam them. What do you think Jake? [/ QUOTE ] Fine, it wasn't a Nigerian guy. The title of your post threw us off originally. However, it's still the same scam, regardless of where it originated. [/ QUOTE ] Ooooohhhh... The argument is that it isn't a "Nigerian" scam because it wasn't from Nigeria? Dude, a lot of them aren't necessarily from Nigeria now. People still refer to them as the "Nigeria scam" because they're pretty much the same thing. [img]/images/graemlins/tongue.gif[/img] [/ QUOTE ] I'm not trying to get in the middle of a highly entertaining argument, but the OP did state: </font><blockquote><font class="small">Svar på:</font><hr /> after a few days I get an e-mail from some guy in Nigeria [/ QUOTE ] unless I am misreading something [img]/images/graemlins/confused.gif[/img]
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#35
08-07-2005, 05:03 PM
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Re: This \"so called\" Nigerian stuff
I worked with a nigerian lady in a bank. She was the manager and thought everyone was trying to scam the bank.
She was also incompetant and shady, so she would just make up lies and refuse to do anything for a customer that would possibly get her into trouble if it was a scam. Lot of fun working with her.
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#36
08-07-2005, 05:03 PM
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Re: This \"so called\" Nigerian stuff
I don't know why people are railing on you so hard over this. It seems logical to believe that once a check "clears" that you would have the money and the bank could never get it back from you even if a problem was later discovered.
You had the money in your account. You could have withdrawn it and spent it. Most people would believe that the check was good after it had cleared. I actually had a class on bank transactions in law school called "Commercial Paper," but I can't remember all the rules. It seems like if you had actually followed through with the transaction (sent the guy the go-kart and $4500), that you would have qualified as what is known as a "holder in due course" (HDC). As a HDC, you would only be subject to certain defenses after the bank paid you. A good lawyer might have been able to keep the bank from recovering the money back from you. I think the problem is that federal regulations require the bank to pay you within 7 days, whether the bank actually knows that the check has cleared or not. I don't think your bank tried to screw you over, they were just doing what is required by federal law. However, they should probably provide you with notice that foreign checks that "clear" may not actually be good and that the bank might be able to come after you for the money. Thanks for telling your story. I originally thought that people who fell for these Nigerian scams were just dumb people, but if the bank is telling people that the Nigerian money orders have "cleared" when they really haven't, then I can see how people get duped.
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#37
08-07-2005, 05:10 PM
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Re: This \"so called\" Nigerian stuff
Lots of people fall for this scam. The fact that you didn't know that the bank can still recover the funds after the cheque has cleared does not make you stupid. I would suspect that most people don't know this.
You're calling outright fraud A"SCAM". This is nothing but theft. What are you talking about? Your own bank can guarantee to you a checks validity , you act on that assurance, and then they can later declare check invalid AND YOUR RESPONSIBLE. Is that what your saying?
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#38
08-07-2005, 05:18 PM
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Re: This \"so called\" Nigerian stuff
[ QUOTE ]
after a few days I get an e-mail from some guy in Nigeria [/ QUOTE ] He could say he was from TIMBUKTU guy so what. It was just an e-mail dude could have been from anywhere.
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#39
08-07-2005, 05:28 PM
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Re: This \"so called\" Nigerian stuff
[ QUOTE ]
I don't know why people are railing on you so hard over this. It seems logical to believe that once a check "clears" that you would have the money and the bank could never get it back from you even if a problem was later discovered. You had the money in your account. You could have withdrawn it and spent it. Most people would believe that the check was good after it had cleared. I actually had a class on bank transactions in law school called "Commercial Paper," but I can't remember all the rules. It seems like if you had actually followed through with the transaction (sent the guy the go-kart and $4500), that you would have qualified as what is known as a "holder in due course" (HDC). As a HDC, you would only be subject to certain defenses after the bank paid you. A good lawyer might have been able to keep the bank from recovering the money back from you. I think the problem is that federal regulations require the bank to pay you within 7 days, whether the bank actually knows that the check has cleared or not. I don't think your bank tried to screw you over, they were just doing what is required by federal law. However, they should probably provide you with notice that foreign checks that "clear" may not actually be good and that the bank might be able to come after you for the money. Thanks for telling your story. I originally thought that people who fell for these Nigerian scams were just dumb people, but if the bank is telling people that the Nigerian money orders have "cleared" when they really haven't, then I can see how people get duped. [/ QUOTE ] You can put any legal crapola name they want to this..but it is outright theft. Otherwise what is yhe point of having a check declared "GOOD" by yuor own bank, Bof A no less?. But you are correct because I questioned the bank guy and he did mention some legall mumbo jumbo. So I backed out. This is theft, fraud... no way around that. No, they would have needed a lawyer. This actually happened and i couldn't believe the bank guy could say this with a straight face to me.
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#40
08-07-2005, 05:34 PM
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Re: This \"so called\" Nigerian stuff
You really aren't getting what everyone is saying. The bank is required to release that money into your account after a certain amount of time. They did so. They're not saying "Oh, this check is good, but we're going to make sure again later." This scam is just taking advantage of that fact, and that people don't know how the banks work. Call it whatever you want.
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