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Example: Even as you read this, the world famous Nigerian Scam (also known as a 4-1-9 or Advance Fee Fraud scheme) is parting yet more of the 'something for nothing' crowd from their money. Here's how it works: Letters (or, nowadays, e-mail messages) postmarked from Nigeria (or Sierra Leone, or the Ivory Coast, or almost any other foreign nation) are sent to addresses taken from large mailing lists. The letters promise rich rewards for helping officials of that government (or bank, or quasi-government agency or sometimes just members of a particular family) out of an embarrassment or a legal problem. Typically, the pitch includes mention of multi-million dollar sums, with the open promise that you will be permitted to keep a startling percentage of the funds you're going to aid in squirreling away for these disadvantaged foreigners. If you're not saying scam by now, you should be. Should you agree to participate in this international bail-out, something will go wrong. Paperwork will be delayed. Questions will be asked. Officials will need to be bribed. Money from you — an insignificant sum, really, in light of the windfall about to land in your lap — will be required to get things back on track. You pay, you wait for the transfer ... and all you'll get in return are more excuses about why the funds are being held up and assurances that everything can be straightened out if you'll just send a bit more cash to help the process along. Once your bank account has been sucked dry or you start making threats, you'll never hear from these Nigerians again. As for the money you've thrown at this, it's gone forever. In a nutshell, the con works by blinding the victim with promises of an unimaginable fortune. Once the sucker is sufficiently glittery-eyed over the prospect of becoming fabulously rich, he is squeezed for however much money he has. This he parts with willingly, thinking What's $5,000 here or $10,000 there when I'm going to end up with $2 million when this is all done? He fails to realize during the sting that he's never going to get the promised fortune; all of this messing around is designed to part him from his money. In another form taken by the Nigerian scam, a church or religious organization is contacted by a wealthy foreigner who says he desires nothing more than to leave his considerable fortune to that particular group. Maybe he says he's led a life of sin and is now trying to make good, or maybe he claims that as a devout Christian he heard about their good works and wants to leave his money to help continue them, but whatever the backstory, it's just a tale. Once again, there will be delays, each of them necessitating the beneficiary to spend a few thousand here and a few thousand there in an effort to collect money that never materializes. In a 2002 version of the con, the victim is informed he has just won an important prize in a foreign lottery he doesn't remember entering. Only when he tries to collect the money is he approached for payment of facilitation fees to get his winnings to him. It's the same con, with just a few elements unimportant to the execution of the thievery changed about. The scam is known as the Nigerian scam, but many countries are routinely named as the homelands the appeals originate from. Likewise, the backstory, the tale that supposedly explains how these people came into possession of this incredible sum and why they now need help getting it out of wherever, changes from one e-mail to the next. There are hundreds of versions in existence, each naming different people, describing different situations, and coming from a myriad of far-flung countries. Forget about matching one backstory to another or being suspicious of e-mails from Nigerians but not applying the same caution to approaches from folks from other places — grasp instead the general principle of the scam: Someone from someplace far away wants to give you (or your church) millions of dollars but needs your help in moving the money from there to here. It doesn't matter if the letter says it came from Sri Lanka and the funds that need moving are gold bricks or uncut diamonds — it's the Nigerian scam. Don't let the naming blind you to that. Once the scam is explained, it seems so obvious a con that you'd wonder who would fall for it. Yet fall for it people do because they're mesmerized by the wealth that will soon be theirs. They also fail to realize there's a hook hanging just out of sight; at first all they see is that someone wants to give them something, thus they're ill-prepared to mentally shift gears when that person turns the tables. Because the premise of I'm going to get millions of dollars is wholeheartedly swallowed early on, it's not at a later point questioned when things begin to go wrong with the transaction and the dupes who have been targeted are asked to dig up some funds to help move things along. The Nigerian scam is hugely successful. According to a 1997 newspaper article: But this is a new scam, right? People are falling for it because they've yet to catch on? Wrong. Very, very wrong. The Nigerian Scam has been emptying the pockets of victims for decades — first through letters, then with faxes, and now via e-mail. In its earliest incarnation, which dates to at least the 1920s, it was known as 'The Spanish Prisoner' con. In that long-ago version, businessmen were contacted by someone trying to smuggle the scion of a wealthy family out of a prison in Spain. But of course the wealthy family would shower with riches those who helped secure the release of the boy. Those who were suckered into this paid for one failed rescue attempt after another, with the fictitious prisoner continuing to languish in his non-existent dungeon, always just one more bribe, one more scheme, one more try, away from being released. These days it's trapped funds not errant sons of well-to-do families that are the objects of these global wild goose chases, but the con is the same. The undisputed headquarters of the scam is Nigeria, with some of the cons progressing so far as to have the victims fly to that country to meet with the officials they are purportedly assisting. Things got so out of hand, in fact, that in 1991 the Nigerian government felt compelled to issue a statement disavowing its participation in this scheme: Ah, but is it the same scheme? You tell me: The real Central Bank of Nigeria tries to warn people about this scam, but it's a case of the guy with the broom following the elephant — the elephant always gets there first. They even placed a half-page ad explaining the scam and warning off those who might be tempted to fall for it in major U.S. newspapers, such as the 27 October 1998 issue of the Los Angeles Times. That ad mentioned some new variations on the old scheme: Should you have occasion to feel something's not quite right about a deal being offered, drop by the websites of both the Better Business Bureau (BBB) and the National Fraud Information Center (NFIC). Salon.com editor Douglas Cruickshank also penned I crave your distinguished indulgence (and all your cash), a wonderful textual analysis of Nigerian fraud messages. The Secret Service asks if you have been victimized by the Nigerian scam to forward appropriate written documentation to the United States Secret Service, Financial Crimes Division, 950 H Street, NW, Washington, D.C. 20223, or telephone (202) 406-5850, or contact by e-mail. Per their automated response system, they no longer want faxed copies of the various Nigerian scams. However, it needs to be pointed out there is only so much the Secret Service or any law enforcement agency can do if the perpetrators of the scam are not within their jurisdiction. Your local police department cannot send officers to Nigeria to arrest the fellows who are attempting to con you out of your life savings any more than Nigerian police could show up on your doorstep to put the handcuffs on you. Folks angered by Nigerian scam come-ons often want to see justice done and done quickly, yet often there is little that can be done because those behind the thefts are in other parts of the world. Ergo, the best protection is an awareness that the laws of your country are not always enforceable in other lands, so it behooves you to always proceed with caution when dealing with people or business entities in foreign locales. Additional information: Advisory Regarding Advance Fee Fraud Schemes (U.S. Secret Service)The Nigerian Scam: Costly Compassion (Federal Trade Commission)Consumers Now Target of Nigerian Scam Letters (Better Business Bureau)Nigerian Letter Scams Go Hi-Tech (Better Business Bureau)
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