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Off Topics > Odd situation, need advice.
 
 
Dblex
Senior Heliman
Location: Corpus Christi Texas

lego, yes the check will clear the origin of the routing number they used, once both locations realize they have been defrauded, it is part of the scam that you send the items thinking both you and your bank got a good check, but 30-45 days later when both banks figure out they have been had, the scammer has already recieved goods and guess what? the bank will deduct those funds from your "actual" account to cover the check. My credit union is very aware of this and told me the whole scam. I had an F-16 that I guy wanted to pay me double for. Check was good, but the originating routing number was a fraud, in short, by the time it was all figured out, they would have taken that money out of my personal account to cover the loss.



So he would have gotten the F-16 for free.

Highly Medicated for your protection......
11-13-2008 03:14 AM
 
 
maxxteezy
Senior Heliman
Location: texas

I've got a gallon of air and a bucket of nothing for sale, cash only!!! Don't fall for that crap, straight scam homey

Fly it like you stole it, then sneak it in the house the same way..
11-13-2008 04:54 AM
 
 
legoman67
Elite Veteran
Location: Nanoose Bay B.C, Canada

alright, i have already shut down the whole send money to his son thing. You would think the bank would make sure especially since the explained the whole case to the manager. nyways, ill give it some time.what if i just closed my account? there is nothing the bank can do about it... it has 0 in it atm anyways.

Matt M.
http://www.filepile.ca
11-13-2008 05:35 AM
HOMEPAGE  
 
 
Lyndon
Heliman
Location: Westville, South Africa

Lego, In SA this is a regular event, google the "419 scam" & you will see exactly how these guys operate, chances are he had the money in the account when he wrote the check, that is with the 100 other checks on the same day, almost everyone will go to the bank the same day or the following day & the teller will see that there is funds but it is not held for your cheque, by the time it is processed the money is either withdrawn or one of the cheques have cleared, the rest have their cheques returned & this may take a while between banks. In the mean time your buyer (probably Nigerian) has long gone with your cash. PS I'm not sure of exactly how your banking process works but thats how they do it here.
11-13-2008 06:08 AM
 
 
legoman67
Elite Veteran
Location: Nanoose Bay B.C, Canada

yeah, but i actually have cash in my wallet, i have the physical cold hard cash. Anyways, i will call my bank manager again tomorrow and find out. Im aware of the cheque scams, and know there are lots out there, but dont most of those victims fall before the check clears? sending the item before the check clears?

Anyways, i think i wont be sending anything period. and if i got a free 2000 well then its my lucky day. LOL

Matt M.
http://www.filepile.ca
11-13-2008 06:17 AM
HOMEPAGE  
 
 
cannibal440
Senior Heliman
Location: cookeville, tennessee USA

THIS IS A SCAM!!!

this has all the signs of being a scam!!! you already got yourself into it by even cashing the check! this happened to me before and you had better contact your bank and let them know whats going on so they can go ahead and do an investigation BEFORE something is red flagged. tell them whats going on. BUT in the mean time try to get as much information out of the guy as possible. like mailing address, name, land line phone number, etc.... get everything you can and contact the bank, once they say it is a fraud you must immediately contact the secret service....yes the secret service. when this happened to me i called the FBI and they gave me the number to the secret service and they handled everything. who woulda thought the secret service would be responsible for things like this?
11-13-2008 06:18 AM
HOMEPAGE  
 
 
legoman67
Elite Veteran
Location: Nanoose Bay B.C, Canada

the bank knows about it, i already brought it up with them well the check was clearing, like i said in my post above, im going to call again tomorrow and talk to the manager now that i have the cash.

Matt M.
http://www.filepile.ca
11-13-2008 06:20 AM
HOMEPAGE  
 
 
Parsifal
Veteran
Location: Singapore

Hi Lego,

this is a well known scam, you'll come accross lots of examples if you google your situation. Don't spend the money, don't send your goods. You are responsible for the cash if you have cashed it out of your account and will be held accountable.

Pars
11-13-2008 06:36 AM
HOMEPAGE  
 
 
the Wasp
rrProfessor
Location: Vt

these SOBs will try this with any amount of money,, they tried this on my, I was selling a $60 Cylinder for a RC boat, after a couple Emails back and forth this jerk wanted to send me $200, told me I could keep $100 for the Cylinder and shipping and send him the Cylinder and someone else the extra $100,,,

yea, sure,, I Emailed him back and told him I knew it was a scam..

Jim
Buzz Buzz Buzz
11-13-2008 06:50 AM
 
 
DaOne
Senior Heliman
Location: Prineville, OR - USA

Easiest way to deal with stuff like that is by putting "LOCAL SALES ONLY" in your ad. When they contact you to come get it tell them cash only. When I have strangers come to my house on items from craigslist I am also carrying my trusty .45 XD. You just never know what is gonna take place when you deal with the unknown.



When you reach the end of your rope, tie a noose in it and hang on.
11-13-2008 07:30 AM
HOMEPAGE  
 
 
3dfreya
Heliman
Location: Greenville,S.C.

I'd just close the account,theres nothing the bank could do about it then
11-13-2008 05:33 PM
 
 
kookboy
Key Veteran
Location: Vancouver, BC -up north and Seattle, WA down south

Quote 
yeah, but i actually have cash in my wallet, i have the physical cold hard cash.

Canadian talking here that has dealt with cheque scams.

Once you cash the cheque and have the cold hard cash in your hand, the originating bank and receiving bank can still reverse the withdrawl of funds from your account to cancel out the bad cheque.

Even 30-40 days AFTER you have spent that physical cold hard cash.

And it does not matter if you are a student or have/do not have overdraft protection.

This is a fact.

You're playing with your own money (debt).

Repeating again... this is a FACT.

Read this at least three times so it sinks in.

SCAM or no scam. If that cheque is fake and/or there are no funds to withdrawl from the originating account, then you will have to repay that money you took out.

I can't be any clearer.

No offense intended, but being a student (managing your money) you should know better.

Good luck.

... But honey it was only $$$
11-13-2008 06:12 PM
 
 
Brokenlink
Veteran
Location: Oakdale,Ca.

I know it would be harder than hell not to spend it,but look at it like a credit card right now,spend it but chances are you will get a bill for it.

"Experience is a hard teacher because she gives the test first, the lesson afterwards."
11-13-2008 06:28 PM
 
 
DaOne
Senior Heliman
Location: Prineville, OR - USA

I had a check form a customer of mine bounce 3 full months after it was deposited. Funds were available 24 hours after the check was deposited. I was also assured it was fine after 10 days (it was a large amount and the customer appeared to be kinda shady). Guess what it wasn't. I was OK however because I had 2 of my accounts linked at the bank to cover the over drafted one but they sure had no problem pulling the money back out. That 10 day rule crap is bogus. All they are doing is loaning you the money on good faith the the check will clear. When it don't that's when the bank starts making there money by charging fees.



When you reach the end of your rope, tie a noose in it and hang on.
11-13-2008 06:36 PM
HOMEPAGE  
 
 
Drunk Monk
rrProfessor
Location: Preston, UK

In the uk money from a cheque can be taken back out of your account up to six months after it was put in.


Stephen

I only open my mouth to change feet.....
11-13-2008 07:10 PM
 
 
legoman67
Elite Veteran
Location: Nanoose Bay B.C, Canada

Well, you guys were right, check bounced today. Not out anything, but i am going to give him a run for his freedom. How do i report to the Secret Service? Lol

Anyways, thanks guys for the heads up you guys are always right

Matt M.
http://www.filepile.ca
11-19-2008 03:06 AM
HOMEPAGE  
 
 
tom dubya
Heliman
Location: st.louis

Honestly i'd throw a fit at your bank for not giving accurate information. Didn't they tell you once it clears your good to go and didn't it actually clear at one point and then you with-drawled the cash. It sounded like you were pretty tempted to spend the cash at that point and trust me if i didn't have all these great guys here on R.R. tellin me not to, i would of spent it by now myself. To quote Bill O'reilly "That bank was not looking out for you"
11-19-2008 05:57 AM
 
 
ginnz
Heliman
Location: Gretna,MB,Canada

legoman67,

come on buddy, as a fellow Canadian, i can't believe you even for one minute thought this would turn out any other way! i read the whole thread, and you were told from the start about how it was a total scam! and it seems you really didn't want to believe it...... its a good thing you didnt spend that money, eh? ;-) and you didnt send the guy anything?

and- don't eat anymore of those "magic" mushrooms you find growing in the pastures ;-) (jking!)

take care, and live and learn....

ginnz.
11-19-2008 11:53 AM
 
 
wakeboarder2342
Veteran
Location: cedar city utah

I used to always wonder how in the world this scam woudl work on anyone? How can you be so stupid that you cant see this was a scam?


I guess as long as people like lego are out there with zero understanding of how the banking system works then people will continue to scam.


What is even more sad is that you were willing to take the cash and close your account therefore stealing from the bank who would have to eat the 2k lost. You might as well put a stocking over your head and a gun in your pocket and go ask the teller for 2k.


Pathetic if you ask me....

favorite quote, no honey thats the same helicoptor i have always had
11-19-2008 01:13 PM
 
 
legoman67
Elite Veteran
Location: Nanoose Bay B.C, Canada

I wasnt about to send him $900. I just find it very weird how the bank can take back a check after it has cleared. Isnt that the whole point of the 7-10 day clearing proccess To make sure the bank has the money before they let the account holder have it? The bank manager also guarnteed the money for me. which i probably could pursue if i wanted. The account closing was just a scenario, like it would have been very easy to do. and then what?

+ i am only 16, and havent been in the banking system for that long..

Well, now i know.

Matt M.
http://www.filepile.ca
11-19-2008 03:07 PM
HOMEPAGE  
 
 
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