Anatomy of a Scam

This is something that I'm not proud of, nor do I like talking about it.  I guess one of the only reasons I'll post this is so that people know what's going on and they can guard themselves from being a victim like me.

I'll admit that I do get scammed sometimes but it's very seldom that I do.  I'm usually very cautious and like to research everything and anything that comes my way so that I can know more about the situation and/or the person(s) that I'm dealing with ... but that doesn't happen all the time and sometimes I do get scammed big time.  There have only been a few instances that I remember being scammed, more specifically 2.  I'll go into detail about the most recent scam that I fell into ... it happened only a few weeks ago.

This is something that dawned on me after the fact, but when someone approaches you without you soliciting their services, then there is a good chance that it's a scam.  It's similar to when someone calls you saying that you won a prize but you've never entered anything.  

THE SETUP
As I'm driving into a local store parking lot a man in a car notices a dent that I have on my front fender from a tree falling on my car last year.  He promptly gets my attention and waves me down, telling me that he can fix it.  

This gets my attention as it's been somthing that I wanted to get fixed, but I know it'll cost a good amount of money to do so.  

He follows me into the parking lot and tells me that he can get that dent out in 15 minutes and it'll cost $150.  I ask him for a card because red flags started going up already since this is not the first time that I've been approached with this.  He says that he doesn't have a card and he's just free lancing that day and he usually works for a body shop during his regular work hours.  Again I ask for him number or a way I can reach him so that I can call him later when I have the cash ... but he was very insistent that we do it right then and there.  I refused a few more times and he pulls me in with "let me show you a sample."

Dropping all logic I follow him to the empty spot of the Home Depot parking lot.  Multiple flags are going off and I even joke about it in the car with Yas.  We talked about his Mercedes being a bit dented up and why hasn't he fixed it ... I even though about taking a picture of his license plate "just in case."  But I didn't take the picture and all comon sense for me went out the window.

BUILDING TRUST
As quickly as I park next to him, he comes out with his "equipment" that he had from the shop only for that day.  Standing by the dent he quickly talks about how he does this only as a side thing for his family ... a family of a few kids and a wife in his car waiting.  Some more chit chat about how the dent happened and how it would cost a few hundred to get it fixed in a body shop ... and I took the bait.  

I was coaxed in by him telling me things that I already knew, that it would cost me more money to get it done at a shop, that it would be more than a day or two to get it fixed, that there were more small dings, dents and scratches on my car.  

He was able to make me keep saying "yes" over and over again by stating the very obvious.  From that point on ... I was already deep into the scam.

THE JOB
He takes a crow bar and a rubber mallet, starts to try to push out the dent, while telling me to turn the wheel of the car slowly so that it would push on the crow bar to push the dents out.  He uses the suction cup dent remval contraption and tries to pull out the dents while making statements like he's the best in town and no one else can pull out dents like him.  

We watched ... flags are up everywhere that this is a scam, but I did nothing to stop it.  For some reason I was frozen, like a deer in head lights.  Why?  I'm not really sure ... maybe it was because I was hoping that it wasn't a scam.  That I would prove myself wrong and that it was legit and he would really fix the dent.  Maybe it was because I was already so deep in it that I didn't know how to get out ... that I couldn't just tell him "no."  

It might have been a combination of things, but the end result was I let this stranger who approaches me in the parking lot do work on my car with a crow bar ... a rubber mallet ... a screw driver ... and a few suction cups on a handle.

THE SELL
He continues on popping out the dent.  I see that he's actually gotten some of the dent out but it would be impossible to get everything out perfectly and for some reason I was alright with that for a price of $150.  More reassurance that he's doing a great job ... he tells me that he's trying to follow the contour of my car, making sure the lines match up.  A few grunts and groans of him trying to pop out the dents made him seem like he was actually working hard to get them out.  

The dent is popped out, but not as I envisioned it to be.  There was dimpling from the crow bar pushing up on the metal fender.  But he wasn't done yet.

Keep in mind that my red flags about this situation just keeps growing and growing, but at the same time they are pacified because I'm seeing some results and he's a very fast talker.  

I'm even given advice since I'm driving a black car.  He tells me that since I have a black car to take my car in for a "hot wax" twice a month and make sure I see them actually applying the hot wax on because some companies try to scam you.  They try to tell you they do something but they don't actually do it, how ironic.

THE COVER
He comes back from the trunk of his car with something that looks like wax or a rubbing compound.  It's explained that this is to seal in the job and to finish it.  He puts it all over the area that he just tried to pop out.  Now I have a white area on my front fender that makes it extremely difficult to tell what work was done.  

As I continued to be in the deer in the headlights, I said nothing when he put this compound on my car.  This is a car that I know how to take care of and that I wash by hand vigilantly.  Analysing all this I still can't believe I let a complete stranger even put his hands on my car, let alone put some white compound on my car.

He walks around my car, putting the compound on any scratch or small dent he sees.  Swirling it in with his dirty microfiber towel.  So many red flags, using a dirty microfiber towel to put compound on a dirty car is not a good thing, it'll just scratch things up.

Then he sells me on the compound!  Puts some on the hood and tells me that it'll get rid of the water spots and other dirt.  Uses the towel to wipe it off, tells me to feel how smooth it is ... as a sucker, I agreed that it was smoother than the other parts of the car that were still dirty.  

Still I knew better, but said absolutely nothing.

I asked him to fix a small dent in my door on the other side, he comes back and tells me to go in the car to press on the brake so that it creates pressure and it's easier to pull out - as I walk away to the driver side ... I can't help but wonder "what pressure!?" but I did it anyway!  A few seconds later he's done and shows me that he's put compound all over my car saying that he's done my entire car for me.  

THE GETAWAY AND PAYOUT
He now asks for the $150 since he did the entire car, and also asks for a tip since he did such a great job.  I tell him that I told him I had no money and he asks how much I do have.  $40 wasn't enough for him and he wanted the $150 + tip ... he gave me that sad look and said he was just doing it for his family and kids.

Like a sucker, I fell for it.  Psychologically I already fell neck deep in his bs ... even though there were so many flags raised and I questioned things every step of the way (in my head) I was telling myself that it's only right to pay this guy since he did do work on my car.  

Stupidly we drove to an ATM ... still in shock and still caught in the headlights.  There was even a time on the way to the ATM that I wanted to let him get caught at a stop light and speed off without paying a cent but I ended up handing over about $130.

That look on his face of disappointment when I handed him only $130 should have been enough for me to take the money back ... but I didn't and I still can't tell you why.  

He reassured me with closing words of getting a hot wax and letting the compound sit for about 24 hours before getting it done.  

If you read this closely then you'll remember that the reason I followed him and parked was because he was going to show me a demo.  But the demo was in fact the actual job and I didn't even realize that this was a service that I didn't ask for, and that it was a demo he was going to show me and if I liked it he was going to pop out the dents for me ... 

This whole ordeal made me wonder and analyze everything, wondering what made me do nothing and listen to him word for word and trust him 100%.  I've figured out parts of why certain things happened but I still can't figure out why as a whole I fell for this.

It was the quick talking, it was the quick fix, the cheaper price than getting it professionally done, it was being caught off guard, it was being stupid.  The quick sell of having the dents fixed for a lower price and the pressure he put on me to get it done now now now got me thrown off balance from my usual overly cautious ways.  

Everything that happened during and after just supported me falling deeper and deeper into the rabbit hole and not being able to get out.  It was a mind f*ck and it really got me good.  It was a scam that wasn't well played by him, but rather just me being so receptive to his offer.  There were so many holes in his scam that I picked up on ... but yet I never called him out on it!  Perhaps it was the "wait and see" attitude that he might actually be legit and did fix the dent.

THE AFTERMATH
With any scam it's not only skin deep, but it goes beyond.  The scammer might think that the only damage is the exchange fo a few dollars, but it's so much more than that.  

For me it was my damaged ego, me feeling like I was just taken advantage of and to be extreme it felt like I had just been rapped.  I didn't know what to do, I didn't want to talk about it, I had no answers for why I let that happen and I didn't want to tell anyone.  I just wanted it to go away, I just didn't want to deal with it or anything.

The damage of being scammed is that you feel like a fool, and it's a chain reaction after that.  You feel that you can't do x y and z, you're self confidence takes a nose dive and it's quite hard to get back.  When someone takes advantage of you it just breaks you down mentally and emotionally.  

Often times you find yourself sitting there wondering how you can be so stupid to fall for something like that.  You ask yourself time and time again why you didn't speak up, and it effects those around you and those close to you.  

Nevermind the small dent in the bank account, but it's the larger dent on the individual that's long lasting.  Not having any medical background or anything, but I would compare it to having post traumatic stress disorder (PTSD).  

I was extremely bummed after wards and just wanted to go home and sleep.  I didn't even want to do anything.  I just wanted it all to be behind me and I never wanted to talk about it again.  This served as a good thing for me because instead of waiting the next day to get the compound off, I just wanted this story to end so I took it to the car wash to get it all off. 

After gathering myself a few days later I found out that this is a very common scam, they are called gypsies and it's been happening for years and years.  There are so many more horror stories where people listened and left the compound on for the 24 hours ... and washed it off the following day to find that the paint under the compound had been stripped to the metal.  Now what was a $150 mistake cost them a few thousand dollars to repaint the entire car.  

This is just an example of a scam that happened to me and the steps that I now see build it's way up from start to finish.  So it's a lesson learned and the only good thing to come out of this is that I've become more aware and hopefully have learned how to say no or to just look away when I'm solicited for services that I didn't even ask for.  

These are the key things that I've learned and hopefully it'll help someone reading this from getting scammed:

• If a service or product is being pushed to you without your direct want of it, then it's most likely a scam
• If someone points out that you need help with [fill in the blank] and they offer to help you for cheap, then it's most likely a scam
• If someone tells you that they have to do whatever service right here and right now, then it's most likely a scam
• If they don't offer you a business card, a working contact number and someone that can vouch for them then it's most likely a scam
• If you're propositioned in a parking lot, it's most likely a scam
• If there's not agreement or anything in writing is refused, then it's most likely a scam
• If the service is rushed and they throw on some crap to cover up the job without you having adequate time to inspect it, then it's most likely a scam
• If you have red flags going up everywhere and you choose to ignore them, then it's most likely a scam

I hope this serves as some help and people learn how to avoid falling into the deer in headlights mode.

+mon

I'm Rich! $7.5M Here I Come

I recently met a friend, Monica, who is asking me to hold money for her ($7,500,000 to be exact!  Yes you read that correctly, I'm going to be loaded), and she will gladly give me some money just for that and helping her out a bit with her investments here!  

Well the details of it are that her father died and his instructions were too ... ok I'll just add her email here:

Dearest One,

My name is Monica Sankara, I am the only daughter  of late Mr Johnson Sankara who was the Director of the Coffee export business in Bouake the northern city of Abidjan the Economic Capital of Ivory Coast.

My  mother died when i was a baby and for this reason, my father took me  so special because i was  motherless. Unfortunately, my  father was poisoned and he died in 2006 in the general hospital here in Abidjan . Before his death he deposit the sum of USD $7,500,000.00 (seven Million  five, hundred thousand dollars). In a bank and he left an instruction that the money is strictly for investments abroad. However, before his death, he explained to me that it was because of this wealth that he was poisoned by his business associate and for this reason, he advised me  that encase of  his death, i should move from Bouake down to Abidjan town with some important documents which he used in depositing the fund with the bank.

He also advice me  to seek for someone from a country of my  choice to be my guardian and help me to safeguard this fund in his/her private account for investments which he/she will manage till i  finish my education. I want you to do me a favour to assist me  to transfer the money to your account in your country as my Investor, who is going to assist me travel to your country and continue my education.  i have plans to do investment in your country, like real estate and industrial production. This is MY reason for writing to you. Please if you are willing to assist me, contact me immediately via email  for more details. i promise to reward you ramsonly with a reasonable percentage for your utmost assistrance and kindness to me.

Finally, note that the confidentiality of this transaction would be highly appreciated, Please reply as soon as possible.

Yours, truly,

Monica.

Can you believe that?!  She's going to ransomly reward me a percentage of that for my assistrance!  This is what dreams are made of ... forget that "all it takes is a dollar and a dream" it's more like "all you need is an email address and some luck!"

I emailed her back and am waiting for her reply, so I can get started on this financial venture into being filthy rich!  My response is below:

Hi Monica

I have read your email and would be interested in helping you. Could you provide me with more details and what you would need from my end?

Could you also include a picture of yourself so I know who it is that I am corresponding with?

Looking forward to hearing from you.

Mr. S

I will keep everyone who reads this updated as often as I can - hey if ... WHEN I get that cash, I won't forget you all and will share it with everyone of you!

Tebaya chicken wings + $7.5M ... wow this is turning out to be a great and wonderful day!

+ mon

Lost and Found

What do you normally do when you see money on the street and you didn't see anyone drop it?  Do you keep it, or do you take it and then donate it to some sort of charity?  I know a lot of us would answer that we'd keep it!  I'd do the same.

So the question has a little twist to it now, what would you do if you were to get into a taxi (it's a taxi where the driver owns the car, you can tell because there's no thick plastic divider) and see that right under the center console there's $10 sitting there?  

For me it gets a little complicated because you're not sure if this is a passenger that dropped the money, or if it's the driver who dropped the money.  So you start to wonder, well I started to wonder what to do.  First thought was to pick up the $10 bill discretely and use it to pay for the fair, and give the entire $10 to him.  Then I looked over to the drivers side door and there were all these $20 and $10 bill in the little compartments on the door so I figured that it must be the drivers and he just dropped it.

So the good little boy that I am, I asked him if he dropped any money under the center console.  He said he probably did because he has MS (multiple sclurosis) in his right arm and can't feel it when things are either in his hand or not.  I gave him the $10 and some post it notes that were there too.  

He was really greatful for me giving him the $10 that was on the floor and told me he'd give me a discount on the fare.  Well this opened up the conversation and he started telling me about all the celebrities he's driven around NYC and the list was long with huge names!  He did say that most celebs take the cabs to stay out of the lime light with the limo's and such.  He's also going to be writing a book called The English Speaking Taxi Driver which I think I might be interested in, he's going to include stories that he's picked up from his passengers for the past 32 years he's been driving.

So instead of me taking the free taxi ride with the $10 on the floor, it was good that I gave it to him because I got some good conversation out of it, and I also found out why he would have dropped it on the floor.  That was my good deed for the day, week.  I think I'm going to check that book out once it gets published, and he gave me a good discount on the fare too, I was giving him a tip but he refused and thanked me again for returning the $10 he unknowingly dropped.

+ mon

Working for the Weekend

This has been on my mind for a while now, and well it's not that I'm ungrateful for having a job in these "hard economic times" but it's just the anatomy of the job and what it entails and takes you away from.

We'll take the typical office job into consideration, say from 9am till 5pm. 

So here we are at 7am in the morning waking up and getting ready for work, because we also have to factor in the travel time so that we can make it into work ontimat 9am.  The day ticks away and we're here pounding on the keys of this board, going to meetings, meeting clients, reading emails, etc etc.  As the clock ticks, 5pm finally comes around and we're ready to get outta here and head on home.  Given that this is the rush hour and everyone rushes to get home, we get to our front door at about 6:30pm.  Now just because we're at home means that work is behind us, we have to get out of that work mentality and change and get comfortable for our life at home.

7pm is when we're in our house clothes and finally comfortable.  Now it's time to cook, watch tv, spend time with the family.  The clock hits 10pm or 11pm ... uh oh it's time to go to sleep now because we have to wake up at 7am to start the work cycle again.

Now taking a look at that, we spend about 12 hours a day either getting ready for or from work, being at work and traveling to and from work.  That's 12 hours, 7am to 7pm.  Then we have 3 or 4 hours to "relax," watch tv, spend time with the family, or whatever we have in mind before we have to hit the sack to get enough rest for us to make it through the next day.

What is that?  We only have a quarter of the time to spend at home during the week to be with our families, to relax and get away from work???  That's ridiculous, seriously it is. 

My boss always talks to us about quality of life is what's important, and what kind of quality of life is that when you come home at 7pm and spend the smallest amount of time with your kids and family.  I've always said that it's so much better to be working at a job that doesn't pay a lot, but does give you the time to be with your family and friends. 

The ideal job is to work on the beach and sell drinks.  The money probably isn't that great, but you're relaxed and you have time to be with the ones you love. 

Whomever invented the "work week" is an idiot!  Yes I said it!  Why couldn't they come up wtih a more balanced approach, 4 days of work and a 3 day weekend, or vica versa. 

Gotta love working for the weekend, us being behaved little robots for those 5 days gives us the reward of having 2 days to ourselves, awwww isn't that great!  This doesn't even take into account overtime, and those who are tied to their jobs with their ever so wonderful Blackberry's. 

Ahh well, back to work for me, another 9 minutes of regular time and probably some more overtime here.

+ mon