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Hello i put up an item on sale and some one wants to buy it but they will pay with a certified check. Here's what they told me: "Thanks you for the response according to the description,am okay with the price and the condition pasted on cl. I am ready to make instant purchase.My mode of payment would be in CERTIFIED CHECK and i will arrange for a local pick up as soon as you get the check, because that is the only inconvenient means for me and due to my work frame i can not be able to get there and i promise everything will go smoothly.I really wish to be there to check out the item but i don't have chance cause am very busy person (US MARINE). Concerning the pick up, i will arrange for it after you receive the payment and it clears... Pls get back to me with below info so that i can proceed with the payment immediately if you are selling to me. Name: Address: Not P.O.BOX City: State :: postal Code: Phone Number: That i can send text And as soon as this is provided, the payment will be overnight to you and i will let you know when its mailed out. Thanks and i hope we handle this in good faith while waiting to hear from you. i will add an additional $30 so that you can hold it for me till the check reach you. Best Regard" Should I do this or is it a scam?
100% scam. There is no buyer. Notice how the scammer doesn't call what you are selling by name? He uses the generic word "item", that is because he sends the same stock copy/paste email to anyone selling everything that he can find and he has no idea what you are selling and doesn't care. There is only a scammer trying to steal your hard-earned money. He is not interested in your identity or bank account, only your cash. The next email will be from another of the scammer's fake names and free email addresses pretending to be the "secretary/assistant/accountant" and will demand you cash a large fake check sent on a stolen UPS/FedEx billing account number and send the money via Western Union or moneygram back to the scammer posing as the "shipping company". When your bank realizes the check is fake and it bounces, you get the real life job of paying back the bank for the bounced check fees and all the bank's money you sent to an overseas criminal. Western Union and moneygram do not verify anything on the form the sender fills out, not the name, not the street address, not the country, not even the gender of the receiver, it all means absolutely nothing. The clerk will not bother to check oklahoma and will simply hand off your cash to whomever walks in the door with the MTCN# and question/answer. Neither company will tell the sender who picked up the cash, at what store location or even in what country your money walked out the door. Neither company has any kind of refund policy, money sent is money gone forever. When you refuse to send him your cash he will send increasingly nasty and rude emails trying to convince you to go through with his scam. The scammer could also create another fake name and email address like "FBI@ gmail.com", "police_person @hotmail.com" or "investigator @yahoo.com" and send emails telling you the job is legit and you must cash the fake check and send your money to the scammer or you will face legal action. Just ignore, delete and block those email addresses. Although, reading a scammer's attempt at impersonating a law enforcement officer can be extremely funny. Now that you have responded to a scammer, you are on his 'potential sucker' list, he will try again to separate you from your cash. He will send you more emails from his other free email addresses using another of his fake names with all kinds of stories of being the perfect buyer, great jobs, lottery winnings, millions in the bank and desperate, lonely, sexy singles. He will sell your email address to all his scamming buddies who will also send you dozens of fake emails all with the exact same goal, you sending them your cash via Western Union or moneygram. You could post up the email address and the emails themselves that the scammer is using, it will help make your post more googlable for other suspicious potential victims to find when looking for information. Do you know how to check the header of a received email? If not, you could google for information. Being able to read the header to determine the geographic location an email originated from will help you weed out the most obvious scams and scammers. Then delete and block that scammer. Don't bother to tell him that you know he is a scammer, it isn't worth your effort. He has one job in life, convincing victims to send him their hard-earned cash. Whenever suspicious or just plain curious, google everything, website addresses, names used, companies mentioned, phone numbers given, all email addresses, even sentences from the emails as you might be unpleasantly surprised at what you find already posted online. You can also post/ask here and every scam-warner-anti-fraud-busting site you can find before taking a chance and losing money to a scammer. If you google "fake check buyer scam", "fake Western Union buyer fraud" or something similar and you will find hundreds of posts of victims and near victims of this type of scam.
Craigslist Payment Scams
Did you notice those big yellow banners warning about scams??? Before this is over, that certified check will include funds to pay the shipper and and maybe someone else, plus a little extra for you. You cash the check at your bank, wait the 7 day hold, wire the cash to the shipper and who ever. Then in about 6 weeks that counterfeit check will come bouncing back to your bank. You will be liable for the funds. Only deal with local people who show up with cash in hand. That way you won't get scammed.
A certified check is a personal check that the bank certifies. Most banks don't do certified checks anymore. Instead, they issue Cashier's checks. Tell him to bring a Cashier's check and then, if you have any doubts, call the bank to verify. I might still take a certified check, but first I would call the bank ask if they hold the funds to guarantee payment and I would tell the buyer that I would do that. If he is legit, he will not mind; if not, he will disappear.
SCAM - read Craigslist's own scam warnings DEAL LOCALLY WITH FOLKS YOU CAN MEET oklahoma PERSON - follow this one rule and avoid 99% of scam attempts on craigslist. # FAKE CASHIER CHECKS & MONEY ORDERS ARE COMMON, and BANKS WILL CASH THEM AND THEN HOLD YOU RESPONSIBLE when the fake is discovered weeks later. " Never sell to anyone who cannot meet you in person in a public location (Starbucks,McDonalds, bank, etc) and pay in CASH. NEVER give your home address to a stranger - besides these fake check scammers there are also thieves who target peoples' homes for future robberies The fact the buyer NEVER mentions what you are selling is more proof of the scam as this scammer is sending the same email to everyone who posts anything. It's called an overpayment scam - if you are selling an item for $250 they will send you a check for $2500 then say that their bank made a mistake but since they are out on a military mission they can't get back to the bank to get a new check so they want you to deposit the check, keep $250 then wire then $2250 to their "shipper" through Western Union. Four weeks later your bank calls to say the casher's check was counterfeit and bounced so not only do you now owe your bank $2500 and your account will be closed for fraud, but you also sent $2250 of your own money to a Nigerian scammer pretending to be a Marine, leaving you out of pocket $4750 DO NOT respond to this buyer, ignore anyone who can't pay cash or meet you in person, and on all future postings put something like ** CASH ONLY, NO SHIPPING **
For the best answers, search on this site sure the check is drawn on an American bank. Ask for the bank name and phone number. Do an internet search on the bank and confirm the phone number he gave is correct. Then call the number and confirm he has an account with them. If all of that checks out, then he is probably legit. If it is a foreign bank - I'd be suspicious.
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ITS A TOTAL SCAM!! I hate when they do that!! I almost gave them 3 grand when I was looking for a used car. It still pisses me off. Never buy from anyone who says they can't get their crap and ask for your information. Looks at Craigslist's "about scams" It has examples of scams and when to know if its a scam. BE SAFE!!!