live-in nanny check overpayment scam
This check scam targets live-in nannies or au-pair girls, costing them thousands of dollars. The criminals (most of them from West Africa) try to trick them into cashing a fake cashier's check for them and wiring them a large portion of the cash. The money from the check is supposedly a downpayment on the wages, with a portion to be wired to a "travel agent" (i.e. the criminal using another name). This is a variation on a scam targeting professional photographers as well as classified ad sites for cars, motorbikes, horses, etc.
This scam relies on the fact that a check can bounce weeks and months after funds have already been made available for it by the bank. When you deposit a check, it always remains your responsibility, not the bank's. If you have already withdrawn and wired out cash against the check you will have in effect borrowed money off the bank against the promise that the check is valid, which it wasn't, and given that money to criminals.
In the "live-in nanny" the criminal poses as someone who is looking for a nannie to take care of small kids. He will send you a large cashier's check. If you receive such checks, do not try to cash them. Take them to the local police. Any money your account may be initially credited with when you deposit them will be debited again when the check bounces. For example, the "customer" may arrange for wages of $2000 but mail you a check for $5000. Once the bank credits your account with $5000 you will be asked to wire $3000 back to the sender which supposedly was earmarked for a airline tickets or some other purpose. Once the check bounces you will be owing $3000 plus a bounced check fee to your bank. It can hurt your credit rating, not to mention the possibility of a criminal investigation for passing a bad check.
Here are some red flags to watch out for:
Please send us any such emails you may have received and we will publish them (withholding your name and email address, of course) to warn others and to assist law enforcement investigating such cases.
good Day to you , my name is dan martin, i am an international business man i travel alot and i lost my wife in a motor accident last september,looking for an aupair or nanny who will be staying here with my kids while i'm working or when i travel , Kindly e-mail me as regards to this offer and let me know how much will want to take per week.I look forward to hear from you soon .if you are interested in this job offer,so that i can provide you with more informations. Thank you.dan martin
From: "dan martins" <firstname.lastname@example.org>
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