Phantom payday debt collectors – Another Online Swindle

Are you lonely and looking to find that someone special? In modern society, it can be hard to meet someone, with our busy schedules and the decline of a sense of a community lifestyle. Where do you go for some social contact? Well, you go where millions of people go for most things these days, the internet. You sign up for a dating site, or even just a forum to meet other people that have the same interests as you do. You meet someone, fall in love online, on chat, over the phone and then you loose all your money.

How did that happen?

Much like the phantom payday debt collectors, or the brokers that charge you fees for loans you never get, there is a new group of con artists who use your heart strings to line their pockets.

Meet Susan. Susan went online and joined a dating site where she met a man who told her that he was from the same town that she lived in. He then told her he was an engineer and was on a contract and working in Nigeria. Over a period of four months, he courted her. He sent her flowers and chatted to her every day. He told her that he loved her and sent her pictures of himself in Nigeria. Then he started asking her for money using one excuse after another and Susan found herself, another four months down the line, and 35 thousand dollars in debt. She also found herself in the position of having to take out short-term credit to pay for her debt.

Muriel signed up on a few dating sites and after a few weeks began chatting with a man who she met on one of them. He told her that he was a wealthy businessman from a city nearby but that he was in Africa for the time being working as a consultant. He promised her that his contract would be up within the next six months and during that time he built a relationship with her. When the time came for him to return from Africa he began to ask her for money. His excuses were in the vein of not having access to his own funds and that he was only asking for a loan. Once again, just like Susan, Muriel found herself with a costly debt instead of a caring boyfriend.

People that fall for these kinds of romantic internet scams usually end up handing over their hard earned money to a person that they will never meet or talk to. Complaints to the National Consumers League’s FraudCenter in the USA generally include laments of loans and debts incurred in order to satisfy the mystery lover who never materialised. Often the suitor poses as a member of the military posted abroad or a local citizen working abroad. This way, although they can gain the trust of the person they are scamming easily, they don’t have to actually turn up in person. Beware also of suitors that turn up in forums and community sites. They don’t only cruise dating sites. A rule of thumb is to never send somebody money if you have only met them online.

So if it isn’t brokers or phantom payday debt collectors scamming you online, then it’s debt collectors, and if it’s not debt collectors it’s potential suitors, and if it isn’t potential suitors then what’s next? It’s bad enough to owe money on your credit card. Now you have to keep a beady eye out so that you don’t end up knee deep in debt on the internet.