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According to the Federal Bureau of Investigation (FBI), "An advance fee scheme occurs when the victim pays money to someone in anticipation of receiving something of greater value—such as a loan, contract, investment, or gift—and then receives little or nothing in return." There are many variations of this type of scam, including the 419 scam (also known as the Nigerian Prince scam), the Spanish Prisoner scam, the black money scam, Fifo's Fraud and the Detroit-Buffalo scam.The scam has been used with fax and traditional mail, and is now prevalent in online communications like emails.
To help persuade the victim to agree to the deal, the scammer often sends one or more false documents which bear official government stamps, and seals.
419 scammers often mention false addresses and use photographs taken from the Internet or from magazines to falsely represent themselves.
Sometimes psychological pressure is added by claiming that the Nigerian side, to pay certain fees, had to sell belongings and borrow money on a house, or by comparing the salary scale and living conditions in Africa to those in the West.
Much of the time, however, the needed psychological pressure is self-applied; once the victims have provided money toward the payoff, they feel they have a vested interest in seeing the "deal" through.
Once the victim's confidence has been gained, the scammer then introduces a delay or monetary hurdle that prevents the deal from occurring as planned, such as "To transmit the money, we need to bribe a bank official. " or "For you to be a party to the transaction, you must have holdings at a Nigerian bank of $100,000 or more" or similar.
This is the money being stolen from the victim; the victim willingly transfers the money, usually through some irreversible channel such as a wire transfer, and the scammer receives and pockets it.
According to Cormac Herley, a Microsoft researcher, "By sending an email that repels all but the most gullible, the scammer gets the most promising marks to self-select." In Nigeria, scammers use computers in Internet cafés to send mass emails promising potential victims riches or romance, and to trawl for replies.
They refer to their targets as Maghas, slang developed from a Yoruba word meaning "fool" and referring to gullible white people.
In exchange for transferring the funds out of Nigeria, the recipient would keep 30% of the total.Tags: Adult Dating, affair dating, sex dating