Sunday, 19 May 2013

Another advance fee scam targeting the ignorant and incurious

In comes a fairly routine email that you can just tell is leading up to an advance fee scam. It says:
My wife Violet and I Allen Large won 11.3M USD in a lottery 6-49 in July, 2010 and we have decided to donate the sum of 2M USD to you. Contact us via our personal email for more details (violetlarge193@hotmail.com) You can verify our story by visiting the web page below. http://www.ctvnews.ca/n-s-couple-gives-away-11m-in-lottery-winnings-1.570916
The story is, in fact, true. There was a couple called Allen and Violet Large who did indeed give away their lottery winnings but this was in 2010.

I assume that the scammers don't expect anyone actually to click on the link to the web site because if you do, the first thing you see is this:
"Editor's note: This news story was first published in 2010. Internet operations continue to link to this article to solicit funds from unsuspecting targets. The lottery funds have been distributed to charities and there is no reason to pursue any emails you may have received on the matter."
Scammers really DO rely on their victims being ignorant and incurious.

Saturday, 18 May 2013

Wonga are in South Africa. Let's keep them out of Botswana.

You may have seen the adverts for Wonga.com on DSTV. This controversial British payday loan company, infamous in the UK for charging annual percentage rates of over 4,000% is now operating in South Africa.

They've already inspired 362 entries on HelloPeter.com in a year. Not bad going.

Let's hope they don't get their claws into Botswana as well.

On their web site they offer an online calculator showing how much you'd pay to borrow a particular amount over a period of your choice.

Take a look at this example. Look closely at the numbers.


The smallest possible loan (R100), borrowed over the shortest possible period (2 days), would incur a percentage "interest & fees" charge of 74%.

Who can you trust?

Who can you trust to protect you? Who can you trust to protect your interests? Maybe even above their own?

With a little luck you have family and friends who’ll look after you but don’t ever think that someone selling you something will put your needs ahead of theirs. I‘m not saying that everyone is trying to rip you off, on the contrary, just that they’re always going to put their interests first.

As Adam Smith, the moral philosopher and economist, said in The Wealth of Nations, nearly 250 years ago:
“It is not from the benevolence of the butcher, the brewer or the baker, that we expect our dinner, but from their regard to their own self interest.”
He didn’t mean “self interest” to mean selfishness, just that the “the butcher, the brewer or the baker” are always going to put the needs of their family above anyone else’s, as any of us would. Of course smart butchers, brewers and bakers realise that the best way to do this is to treat us fairly so we keep coming back to buy their meat, beer and bread.

So understanding that even the most decent shop owner is going to put his or her interests above yours, who can you trust? I don’t know, but I CAN tell you who you should NOT trust. The list is a long one.

You can’t trust the Internet for a start. Much as we all like the Internet as a source of entertainment, information and education you have to be very careful about what you believe because the Internet is overflowing with hoaxes, scams and deceptions. For instance several times in the last few weeks I’ve seen a post on Facebook that begins:
“Urgent - please read - from South African police. Pass this on! If a person called Simon Ashton (simon25@hotmai­l.co.uk) contacts you through email don't open the message. Delete it immediately because he is a hacker!!”
It goes on to warn that if you open his email
“you will LOSE EVERYTHING IN YOUR PC, And the person who sent it to you will gain access to your name, e-mail and password.”
This, you might have guessed, is entirely untrue. It’s yet another Internet hoax whose only purpose is to spread as far and wide throughout the Internet. This particular example has been circulating for years and the South African example is just the newest version.

So don’t trust anything from the Internet you read on your computer, tablet or phone unless you have a good reason to do so.

You should also mistrust anyone who offers you computer software at less than the normal price. I heard recently of a guy handing out leaflets at junctions in Gabz that said “get your computer fixed at home or at work”. So far so good, quite enterprising you might think, but he spoiled things by also suggesting in the leaflet that he could activate Windows for a mere P50 and Microsoft Office for P80. That seems like a real bargain, but only because he’s trading in stolen property and that’s no bargain at all. There is no legitimate way you can get Windows or Office installed for as little as that.

He’s not the only one of course, there are plenty of people who’ll offer licenced software at unbelievably low prices, all of them trading in stolen goods. If they’re happy to steal from Microsoft, do you really think you can trust them not to steal from you as well? And they are stealing from you, don’t be misled. The stolen software they give you isn’t yours either, but they have your money and they’re unlikely to give it back.

And it’s not just guys at junctions and on Facebook who do this. I heard of a major store recently who sold a customer a laptop and then the shop assistant offered to install Microsoft Office for her from a memory stick for P500, to help her “save some money”. It was only later when she realised that this might not have been entirely proper. That shop assistant has now been suspended and probably won’t get his job back. He’s shown he can’t be trusted not to steal from either Microsoft, his employer or their customers.

And then there are psychics. You can’t trust them either. You’ll have seen the recent story from the USA where three young women were freed from the clutches of the man who had abducted, imprisoned and repeatedly raped them for a decade. The story is appalling but at least there was some good news when the women were finally freed. However in 2004 the mother of one of the women, Amanda Berry, was part of the audience of the Montel Williams TV show when his guest was the “psychic”, Sylvia Browne. When the mother asked Browne for news on her daughter, Browne replied “She’s not alive, honey” seemingly not knowing that she was alive in a Cleveland dungeon at that very moment. To add to the tragedy, Mrs Berry died a few years later thinking that her daughter was dead, never to know the truth.

Browne has made a career of making up stories like this. She says she’s helped find many missing people and to have helped solve murder cases over the years but despite claiming to have a success rate of “somewhere between 87 and 90 percent” she has, according to skeptical investigators, never solved even one. She’s a liar and a fraud.

“Psychics” like Sylvia Browne are repulsive exploiters of distraught and desperate people, just like anyone claiming to have supernatural, magical powers. Just like the traditional healers who offer miracle cures for everything from lost love to AIDS, they’re either stupid, deranged or liars. Some of them are all three.

The lesson is a simple one. Only believe those people who have already shown themselves to be believable. Treat everyone else as untrustworthy until there’s evidence to the contrary.

The Voice - Consumer's Voice

Dear Consumer’s Voice #1

I ordered some clothes to be made from a dressmaker and paid a deposit on the 15th March. The agreement was I will collect my skirt and blouse end of March and pay the remaining balance then. He failed to deliver on time and we agreed that I would give him an extension. He kept making promises and still failed, while I keep going to his place spending my resources (time and fuel). I gave up and proposed to him that he refund me my money, a suggestion he refused. I would call him, he would ignore my calls.

On 2nd May I went to his place demanding to at least see the material he is working on, only to realise the material has not been bought. I insisted that I would not go anywhere until he started cutting the material. He immediately sent his Receptionist to go and buy the material and I waited and watched as he cut the material for the skirt. We agreed that I come for the clothes on the 2nd May. I decided not to go and rather planned to go on the 3rd. His Receptionist called me earlier in the day and told me not to come. I asked to speak to her boss at least be given a date of when to come for my stuff but he refused to talk to me. He has not communicated up to this day.

I feel I cannot keep going to his place and not getting any service. Thus I’m contacting you to assist me.


You’ve been patient enough. Clearly this guy can’t be trusted and I think it’s time to walk away. I suggest you write him a letter saying that you are cancelling the order because of his failure to keep his side of the bargain. Make it perfectly clear that you no longer want him to make the clothes at all. Then tell him that unless he gives you a full refund of your deposit within 3 days you’ll be going to the Small Claims Court for an order against him.

And then tell everyone you know not to use his “services” because he can’t be trusted.

Dear Consumer’s Voice #2

Do banks have authority to take money from one’s acc without their authorization?

Five to seven years ago I bought a car from a dealer with a loan from my bank. The car was never in good condition and as such I returned the car to them after having consulted the bank. They agreed that the dealer was not honest with me from the onset so they asked him to fix the car which he refused and they took the car and I am told they sold it.

Last week I realised that they took money from my personal account saying that they sold the car and there was a shortfall which I have to pay so I just wanted to know if this is legal?


Yes. They can.

In fact the bank can do pretty much anything they like with your money, definitely if you owe them more than they owe you.

If you take a look at the agreement you signed with your bank all those years ago you’ll find a section that says that if you owe them money in one account and you have money in another account they can, if you cause them any trouble, move money from the account with the positive balance to the one with the negative balance. Causing them trouble can include things like being late with payments, taking longer to repay a debt than agreed or if they don’t like your new hairstyle. Ok, maybe not that last bit but there probably a clause with allows them to do it for whatever reason they can think of.

In your case I guess that the resale value of the car was less than the amount you owed them so they were entitled to move your money around. However, they should at least have had the decency to tell you about this beforehand. They should also have given you the opportunity to agree a plan that wouldn’t ruin your finances.

Celebrations

Olebeng from Belshane Properties for his “always rapid and efficient service”.

Friday, 17 May 2013

Yet another fake university - Riverbanks "University"

A new one has recently emerged to add to the long list of fakes. This time it's "Riverbanks University" who have the usual glossy web site, online chat facilities and no physical presence at all. That's because Riverbanks "University" isn't real.

The usual clues are there. The domain, riverbanksuniversity.com, was only created in February this year. The pictures of their "faculty" members are stock photos, not the people they claim to be. They're also the same pictures used by other known fake universities.


They claim accreditation by UCAIS but this isn't true.

The best evidence though is this chat I had with their online advisor this morning.
You are now chatting with 'Advisor'
Advisor: Hello there
Richard Harriman: Hi
Richard Harriman: Can you tell me where Riverbank University is based?
Advisor: its an online university
Advisor: The admin office is in San Francisco, CA
Richard Harriman: Ok
Richard Harriman: I have a Bachelors degree in Psychology, how quickly can I get a Masters in Psychology?
Advisor: Where did you get Bachelors Degree completed from and when ?
Richard Harriman: University of Birmingham in the UK, 1985
Advisor: That is great
Advisor: And what experience you hold in Psychology ?
Richard Harriman: I worked in the health sector for 9 years, then in business since then
Advisor: That is great
Advisor: You can certainly apply for a Masters now
Advisor: The process will take 10 working days for you to receive the documents
Richard Harriman: How long does the course take?
Advisor: Have you filled in the application already ?
Richard Harriman: No
Advisor: Its an instant program that you are applying for
Advisor: Its an experience based program
Advisor: not where you would take classes
Richard Harriman: Wow, so I just get the degree?
Richard Harriman: No exams?
Advisor: What we do is we take down your life experience, that is your working experience and your past educational qualification, convert them into credit hours, if these credit hours are equivalent to the credit hours that are require to complete your desired degree then you qualify and we award the degrees accordingly, if you are successfully evaluated we start with the registration process registering you and your documents with the university and the Accreditation bodies and after that we make sure that the documents are shipped out to you in the next 10 working days.
Advisor: do you understand the process ?
Richard Harriman: Yes, thanks
Advisor: If you wish I can help you earn your Masters Degree
Richard Harriman: How?
Advisor: I can get you registered
Advisor: Your profile will be created first
Advisor: then you will be required to email me your CV / Resume
Advisor: The fee for the process will be $298
Richard Harriman: So I get a Masters degree for just $298?
Advisor: yes
Isn't that all you need to know?

Tuesday, 14 May 2013

MY Money Tel - another pyramid scheme, this time in Zim

Thanks to my good friend Kasey Chang for noticing MT Money Tel in Zimbabwe.

It's not hard to establish that this is a pyramid scheme, the clues are on their own web site. Are these images enough evidence for you?


I still find it surprising how many pyramid schemes include diagrams showing pyramid structures.


And in 5 months you'll have recruited 100,000 people beneath you? Really?


And then there's the money they imply that you can make. At least this one is honest. Recruiting 20 x 10 x 10 x 10 people (that's 20,000), you'll only "earn" a few thousand dollars?

Luckily others have noticed this scheme and there are warnings about them all over the web.

Be warned. They're only just across the border. How long will it be before we see them or a clone of them here as well?

Sunday, 12 May 2013

Terminate the terminator

Occasionally the people we deal with are nastier than average. They’re nastier than the banks, nastier than the cellphone network providers and nastier than dodgy car importers. They’re even nastier than furniture stores and loan sharks. They’re very, very nasty. They’re the ones that might kill you.

Just a few days ago I was asked to look at a page on Facebook. Calling itself “Abortion Clinic” it said this:
“um wanted pregnancies, womb cleaning in a private enviornment. @ NELSPRUIT, WITBANK, POLOKWANE, RUSTENBURG, other branches. SWAZILAND, NAMIBIA, BOTSWANA. free postal deliveries […] we can deliver the termination pills any where”
He went on to say “people of Botswana I do helping them in Mafeking south africa”.


You know that it’s OK to judge someone by the quality of their English, don’t you?

Where should I begin?

Let’s start with the obvious. Whether you like it or not, regardless of your position on the termination of pregnancies, it’s currently illegal in Botswana. We all know that it happens in backstreets, we all know that it happens legitimately by women crossing the border into South Africa to have it done legally there. But it’s illegal to induce a termination in Botswana. So that’s a crime.

It’s also grossly improper to offer any medication as potent as a termination pill without a medical consultation, without seeing a doctor, without a prescription. It’s also illegal to have dreadful English if you’re a doctor. Yes it is, honestly. Well, if it isn’t it should be.

So I started doing some detective work. Despite saying that he’s “helping them in Mafeking” his Facebook profile suggests that he’s based at “15 brown street 1200 Nelspruit Mpumulanga” and that his cellphone number is +27 73 178 2608. Curiously (or maybe not) these are exactly the same contact details as those given by "Lost Lover Sheik Tabu" who can also be found on Facebook. “Sheikh Tabu” offers “Stop Seperation and divorce Spells”. He suggests that:
“If you suspect that your partner is considering either separation or divorce, use this magic spell to stop the forces that are breaking apart your relationship. It is extremely important that you act with haste since prolonged negative energies create difficulties for the potency of this spell. If your partner has already breached the subject of either separation or divorce, use the spell immediately to rekindle the love that is the basis for your marriage or relationship.”
So he’s a quack, I think it’s safe to assume that. But he’s a quack that claims to perform terminations by post. How does he do this?

There was only one way to find out so I started SMSing him, pretending to be a woman who was 6-months pregnant who wanted an urgent termination. According to this crook it couldn’t be simpler. All it would take is R1,500 and I could have “termination pills and cleaning pills” “in 2 working day”. I explained that I was in Botswana and this wasn’t a problem at all. He gave me his FNB banking details in Mafeking and even gave me his name, “Kyeyune Godfrey” and reassured me that “My friend i have helped many people and i have many types of termination pills.”

I then asked whether the pills he was offering were normal medicines. Given that he’s already been shown to be a quack healer selling good luck potions I wondered whether he was selling something unorthodox. I assume he’s used to dealing with slightly more gullible people because that’s when he lost patience.

He phoned me. Given that I don’t sound like a pregnant woman on the phone I grabbed the nearest woman, Her Majesty, and got her to take the call. Using her special sad voice she spoke to him and asked him how he could help, confirming that she was six months pregnant and desperate to terminate. He told her that she should feel free to take the medication he would send her. So what exactly was it he was planning to send her?

Misoprostol.

Misoprostol is NOT a herbal concoction, it's the real thing. It’s a very powerful drug that really IS used to induce terminations.

Misoprostol is not something you fool around with. According to RxList Misoprostol (also known as Cytotec) is heavy-duty material and they provide a large warning saying:
"Uterine rupture has been reported when Cytotec was administered in pregnant women to induce labor or to induce abortion beyond the eighth week of pregnancy".
So our friend is peddling drugs, knowing that it's incredibly dangerous. Anyone taking the wrong dose of this, or who takes it after the eighth week of their pregnancy is running a major risk. Any doctor selling such potent medication without even examining the patient deserves to be behind bars. Anyone who isn’t a doctor but still sells these drugs is also a criminal who deserves to be behind bars.

But maybe you think he’s doing it with the best intentions, trying to help women in distress? Not a chance. He's a crook and he knows it. I sent him a final message asking if he was a doctor of medicine. His response speaks for itself.
“Am a doctor, and did told u to come to my bunch as u know that is not allowed in Botswana even in south Africa they allow 12 weeks but am trying to help u but u asky alot of Questions”.
So he knows he’s peddling drugs illegally in two different countries. He’s a crook and he knows it.

Of course it’s possible that he’s not shipping Misoprostol at all, it might just be a sugar pill. In which case he’s still a lying, cheating criminal who deserves to be behind bars.

I contacted our Ministry of Health and they were appalled to hear about this. They’ve promised to take action and inform the public of the risks. I’ve also informed the South African Health Department to see if they can’t take this crook off the streets. Here’s hoping.