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  • 1. Nigerian/ Ghana Emergency Scam
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  • 2. Plane Ticket/ Visa Scam

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    Nobody wants to be scammed yet most people are not quite sure what to look out for. These are examples of some of the most notorious scams in the world of online dating and on the internet in general.

    Armed with their fake identity, the scammer proceeds to forge a bond with you.

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    They often communicate with you for weeks and months so you think you are getting to know them better while it is actually all part of their master plan. The standard scam story then starts to unfold as your online date suddenly has some sort of emergency in Nigeria or Ghana. The stories may range from a businessman having an accident while in Nigeria for work to a helpless woman being stranded in Ghana; from asking for charity donations for Africa to a family member having a brain hemorrhage while in Africa.

    Rest assured, once you do send the money that is the last you will hear of them and your money.

    1. Nigerian/ Ghana Emergency Scam

    Once you do send the money however, it is unlikely that the visit will ever actually materialize. As many people are now catching on to this, many scammers are trying variations of the same scam. Instead of asking you to send them money for their ticket, they will instead send you scanned copies of a ticket to convince you they are genuine and are really coming to visit you.

    However, there is usually a last minute glitch and they will request you to send them a large amount of money without which the trip will be impossible. These scammers know immigration rules and regulations well and might even cite some sort of visa requirement as their reason for requesting money.

    You might find their reasons actually check out and send them the money but in all likelihood, you have been scammed of your money.

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    Medical Emergency Scam Another common scam one comes across in online dating is the medical emergency scam. Just when you think your online relationship is going really well, your online partner will be faced with some sort of medical emergency.

    Sometimes, the scams are long and stretched out with the scammers attempting to get as much money out of you as possible by cooking up a variety of medical complications. Do not send money if you are in a similar situation because it is probably a scam.

    Again, most often these scammers will pretend to be a Western man but in reality they will be scammers based in Africa. The Nigerian Scams This breed of scams has been around for a very long time and is known as the advance fee fraud.

    It has various names such as the NigerianNigerian money offer, the Spanish prisoner etc. Similar to the Spanish prisoner scam where the scamster promises to share his fortunes with the victim in exchange for money to bribe the prison guards, the Nigerian has fully come into its own thanks to the availability of email.

    A scam victim will usually receive an email making an offer of a large sum of money. The subject lines often read something similar to "From the desk of Mr [name]" or even "Your assistance is solicited". While the stories may vary slightly, the general plot then talks of a person usually a corrupt government employee who has come across a large sum of money and needs your assistance to get the funds out of the country.

    The money could be cash, gold bullion, blood diamonds, gold dust, checks etc. The sums usually run up to millions of dollars with the victim being promised a huge chunk of it for their "help". Like all scams, there is a last minute problem and you will be requested to send some money to ensure everything goes smoothly.

    Needless to say that is the last you will hear of your apparent fortune. Sometimes scammers figure out you are onto them but instead of backing off, they take advantage of the situation by pretending to be the police.

    So say you have been duped by a Nigerian scammer and you contact the Nigerian police for help.

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    You might get an email apparently from the Nigerian police telling you they have closed in on the scammer and need a payment from you before they can arrest him. This is definitely a scam because the police no matter which country will never request money to catch a criminal! Have a look at the email address — something like nigerianpolice hotmail. Money Order Cash Requests As opposed to some of the other scams, in this type of scam the fraudster takes their time to build a relationship with their victim.

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    After a few months when the scammer is convinced they have formed a bond with their victim, they request the victim to cash some money orders and wire transfer the money to t hem usually to Nigeria or Ghana. The scammer pretends to be someone from a Western country based in Nigeria for work and hence cannot cash the money orders. Once the victim cashes it and wires the money, the bank usually detects a forged money order and the victim is then liable for the entire amount while the scammer gets away scot-free and richer by a few thousand dollars.

    Lottery Scam Have you ever received an email or even an actual letter telling you you've won an obscenely large amount in a lottery you never entered? It's definitely a scam so please do not send them any financial details because you're just setting yourself up for a fraud or identity theft.

    Phony Inheritance Claims Similar to the lottery scam, these scams revolve around you receiving an inheritance that you previously had no knowledge of. There are a few variations of this type of fraud but the bottom line is they are all scams. Some will write to you telling you they are "estate locators" who have located a long lost inheritance for you. Others might be from someone in Africa claiming to have received a huge inheritance which they want to share with you if you can help them get the money out of the country.

    The scamsters will typically ask for your bank details so they can deposit the money into your account and once they have those details, they will rob you of your money. Disaster Relief Scam Every time there is a disaster like the tsunami, a tornado or an earthquake, millions of do-gooders want to do something to help the victims.

    Scammers take advantage of this by setting up scam charity institutions which rob the money that you wanted to send to the victims of the disaster. Scammers also attempt phishing by sending you donation requests via email where you can click on a link which then leads you to website designed to steal your passwords and other details.

    Sometimes, scammers also take advantage of disaster situations by pretending to be a victim themselves. For example, an earthquake in the Philippines affects millions and the scammer sees this as an opportunity to ask you to help them during this difficult time. They will spin a story about how they have lost everything due to the disaster and tug at your heart strings.

    2. Plane Ticket/ Visa Scam

    Yet, despite losing everything they seem to be an online dating site? Business Investment Scam Business investment is another popular lure scammers use to attract their potential victims. People want to use their savings for a worthwhile investment option. Solicitations for an investment scam can come via email, telephone or even in the mail.

    Offers include work-at-home jobs and other get-rich-quick schemes, gambling software, opportunities to buy "secret" shares and other too-good-to-be-true schemes. How do you know it's a scam? While there is no foolproof rule, it is best to avoid investing in opportunities that have been presented to you by someone who came out of the blue.

    When investing your hard earned money, it is important to consult with a financial adviser about the best course of action. Scammers contact their victims on the pretext of offering them a job with unbelievably high salaries. With most people always on the lookout for a better job, these emails seem like a welcome opportunity with people seldom realizing it's a scam.

    As a potential "employer" they will request your bank account details etc so you can get paid but instead you could have money stolen from your account and even run the risk of identity theft.

    Online Classifieds Scam Online classified sites have turned out to be some of the most popular websites for a variety of purposes including dating, buying and selling products and even finding work. Unfortunately they have also become notorious for their scams so if you are using an online classifieds website you should watch out.

    There are all sorts of scams on these sites including scammers even trying to fool you with overpayment for an item you list for sale. Phishing In this type of scam, the fraudsters usually lure the web surfer to a website which seems real and legitimate but in fact is set up to steal personal details, passwords etc. This is often used for identity theft as well. You might receive emails pretending to be from your bank, Paypal, eBay asking you to click on a link so you can confirm your identity.

    But this link does not lead to the actual website but will instead redirect you to a fake website cloned to look like the original. This information in the hands of scammers puts you at risk of potentially losing thousands of dollars. There are various types of scams on the internet which prey on a person's good-hearted nature or vulnerability. It is therefore important to keep your guard up and think before divulging sensitive information online or to strangers. Now that you know what sort of scams could occur, if a scammer does happen to contact you, you will be able to spot them and report them immediately rather than wasting your time forming a relationship with them.

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