Thieves from the online medium will try to exploit the global financial crisis by sending fraudulent emails, which present mortgage credit offers, loan offers, or money coming from injured banks. Charlatans can send spam-like emails to customers, requesting them a tax to respond to banks and financial institutions collapse. They may pretend to be associated to refinancing, and by this deposit consumers will get a better transaction for the mortgage they have, and all they have to do is pay this tax.
Internet users receive an email, whose author is a fellow citizen, who presently lives abroad and who asks the addressee to open a bank account in his name. It is motivated that in this account there will be transferred the money the solicitor must receive, plus the devalued deposits.
The letter author communicates that the money will be received through electronic transfer and for your help; he will remunerate you in sign of gratitude. If the addressee satisfies the request, the crooks receive credits through the medium of the Internet opened account that will be reimbursed by the victim.
Internet Fraudulence: ‘Phishing’
One of the fiddles that started to have a great vogue among hackers is ‘phishing’. It is about a fraudulence through which emails are used to determine the credulous ones to reveal bank details easily. The phisher sends emails in the form of official bank announcements, in which it is mentioned that it is needed a renewal of the confidential account data. The next step: the message reader is asked to click a link that directs him to an ‘official’ address, where the client is trained how to complete a form with all bank account data or credit card data. It is not difficult to imagine what happens after the person has sent information to hackers.
Clients are allured with extremely advantageous interest credits. Firms offer currency credits on a long term and with interest of only 5-6 % per year. Some organizers of this business are not satisfied just with the obtained commission (which is pretty high in comparison with the effort), and they also simply misappropriate clients’ money.
Selling Clients to another Bank
This practice is widely spread, when medium level employees present client information to competitive banks. Clients who intentionally want to make important deposits are told the interest is very low, naming a bank where it is higher. The client takes it kindly and deposits money at the indicated bank. The bank employee we are talking about presents himself at the named bank, nominating the clients he has sent there, and receives commission. There may be preferred a smoother way in the case of an economic agent who is oriented towards a different bank, without being told anything. The employee lets that bank know about a potential client. In case of success, that bank pays the employee the established commission. Crooks find infinite modalities to steal from common people when necessary, that is why it is vital to not offer any kind of confidential information to anyone.