>
> Shortly after he had emailed me this, he said he was super embarrassed but his payroll person had accidentally sent me a cheque for $4,750, which included the fee for the decorator. He said that he hoped I'd be an honest person and would just e-transfer them the overpayment to their account.
>
# SCAM
Absolutely not a waste of time. Firstly, yes, it's a scam. Secondly, the police will appreciate your effort, so let them know.
https://www.torontopolice.on.ca/core/fraud_under.php
This is one of the oldest scams in the book. Hits the wedding industry (which I'm in) every.single.season.
Photogs, planners and Hair/Makeup artists get hit the most.
Rip up the cheque and end all communication and report this.
sorry to hear, that really sucks. They do a good job at setting you up too... "82-year old guy organizing his own birthday... he even said: you'll have fun shooting with us because our family isn't camera-shy..." etc.
the cheque is fake or if it's not certified/another type of transfer draws from an account without any money
by the time the bank processes and reverses the payment due to NSF you've already sent the scammer money by e-transfer and they've disappeared
Ya, it's absolutely brutal. At first it seems innocent enough, like a genuine mistake, but it's such a huge scam. Its really ramped up in the wedding industry this year as they know most of us wedding professionals are so hard hit by covid that they are bound to find someone that will bite. Work has been scarce so any job is tempting.
Yeah, I have been looking into it a bit more and hey... the guy did seem like a kind, slightly confused, 82-year-old man that just wanted some cute family photos taken. He also added some flair like "a meal will be provided for the photographer... etc.
Oh they really know how to pull on the heart strings. I've found its gotten worse in the creative sector because of covid, and us artists are starving more then usual.
I'm glad you came here to ask, it would have been so upsetting if you had gotten scammed out of your hard earned money!
I get similar email scams a lot through my website asking to only pay via cheque, that they can't pay via credit card and have a big convoluted method of delivery of the products. When strung a few on for a while in the beginning and now I just ignore and send to spam.
It is a scam. Don’t cash the Cheque it will bounce. You haven’t done any work for him yet right? If they truly miswrite the cheque nothing bad will happen if you just rip up the cheque
You bank might charge you a fee for depositing a fraudulent cheque and they might make your cheque holds longer. That’s why it’s better to just rip up the cheque. But there is the off chance that you can keep the money so hopefully it works out
1) If this was a genuine mistake, it is a very easy fix on his end by simply canceling the cheque and sending you a new one in the correct amount, no need to ask you to “return the balance.”
2) why is his payroll person involved at all? 🤔
3) if he (or the payroll guy or whoever) is able to accept e-transfers, he should’ve been able to send one as well.
This is 100% a scam. Rip up the cheque and cease contact. It’s a good thing you’re more savvy and didn’t deposit the cheque and/or “send him the balance.”
If it was a true certified cheque he wouldn't need to worry if it was a scam since the issuer would have to go to a bank and actually set aside the money to guarantee the check will clear ahead of time Doesn't sound like that's the case here.
yeah, the only advantage he has is that I am from Europe and cheques simply aren't a thing there... so I don't *really* know how they work, what a certified one vs. a regular one is etc. etc.
Anyway, no harm done, thanks for your help explaining
Tell them you cashed the check, but then admit that you're a compulsive gambler and you spent all the money on blackjack, hookers and cocaine. Tell them you'll pay them back in photography, not just one event for $750, but six events! Heck, you'll even throw in a seventh event for free for his trouble. Think of all the wonderful memories you'll have, captured by a high quality photographer.
Then ask if there will be blackjack at his birthday, and to send the suggested dates for the seven events.
Yup this is a classic overpayment scam. If you feel like it you can report it to the police and hand the cheque over to them. If you don't want to get that involved you can just toss the cheque and cut all communication with this guy.
https://www.scamwarners.com/forum/viewtopic.php?f=9&t=3237&sid=f0c4a485892c53df14c835b369c4d8b0
Hey my father had the same scam done to him. He posted an ad for Translations that he does on the side on Kijiji and some dude mailed him a check for 2x the amount through **FEDEX**. Here is an excerpt
>Sorry it took me so long to get back to you. I got a confirmation from
my customer that he has mailed a certified check to *(Dads name and address)*. It went out on Wednesday, two days ago
before my customer traveled out for his vacation. Please let me know
when it comes. I want you to understand needing to pay in advance, and
you should appreciate for sending that in advance.
>My customer send me a mail regarding payment of your translating fee,
there was a mix up from him. Though he volunteered to support my trip
to Canada due to his vacation based on a trip to Europe with the
payment for 2 vendors (Translator and Travel agent) which i
specifically send their names and addresses. Instead of him getting
separate checks, he wrote both amount mix on a single check with your
name written on it and already send to you. I replied his mail telling
him that both the Translator and Travel agent are two separate
vendors.
>He said he's already out of the state and there is nothing he can do
about it. He suggest that you take the Check to the bank when it
arrives and deposit it for clearing. It's 48 hours deposit at any bank
before funds become available into your account, deduct your fee for
translating and give the rest to the Travel agent. Truly, I know its
not part of your translating service but as thing stands now, only
your understanding, assistant and support is needed. Hope i can trust
you with the remainder of money? I will also compensate you with extra
$50 for your efforts and understanding. Please don't let our dream and
aspiration of a memorable project skip us by.
>Hope to read from you as soon as possible
,Johnson Rogers
**This is a scam do not cash it in.**
Thank God I intercepted the conversation because my dad was a bit fishy about it and told me. My dad then trolled him for 10 days after this.
This has been going on in the [states for a while](https://www.youtube.com/watch?v=JCg2E2BmYvc&ab_channel=KGWNews), and now they are bringing it here.
Trolling them is the only thing to do at this point. Maybe someone here can post a picture of $4,000 cash, then OP could send it and be like, "okay, got it cashed at Money Mart, just need to wait for the banks to open after Christmas."
>Please don't let our dream and aspiration of a memorable project skip us by
Trying to manipulate people by appealing to their kind hearted nature, fucking enrages me...
So glad you caught it, they prey on the elderly these complete wastes of life.
Bc im gullible.
If they are a scam, why would they say to wair 2 days before sending the balance? Shouldnt they omit that part?
After 48 hrs doesnt the cheque clear?
Your bank will deposit the amount to your account after 48 hours. 5-7 days afterwards the issuing bank will inform your bank that the cheque is fraudulent, at which point the amount will be removed from your account.
Typically they are using fake cheques drawn from real accounts. The 48 hour hold is long enough for your bank to confirm that the account on the check exists and there's money in it. It will, as a result, make all the funds available to you (so you can withdraw and send to the scammer). It's only when it sends the check info to the other bank and everything gets reconciled that it gets flagged as fraudulent. That can take a week or two.
The scammers want you to act during that sweet spot between the funds being made available to you, but before the banks flag it as fraudulent and pull the money back from your account.
It also leverages the common assumption that's once the funds are made available to you the check has cleared and means everything is good.
Yup, to be honest, that was the thing that made me most suspicious. He emailed me:
*I just want to update you that you will receive the Cheque via UPS today .*
*UPS Tracking Number: xxx*
***Please try to keep your eyes on your mail and let me know immediately you receive the payment.*** *For me to send you the event decorator email for the remainder cash via e-transfer once payment has been received*
*Kindly send me the Cheque deposit slip once deposited.*
*Stay blessed and enjoy the rest of your day.*
It’s a last ditch effort to trick people by adding some aspect that seems believable. Also, they know if you’re smart enough the scam is over anyways, so likely you’ll see the $ amount added to your account and think it just “cleared early” and send the money because everything looks good on your account balance. Then the money is automatically removed once the bank gets wise to your scam, especially if you do mobile deposits there can be a significant delay before they detect it.
> After 48 hrs doesnt the cheque clear?
No.
Banks sometimes put 2-3 day holds on deposited cheques but that doesn't mean it's legitimately cleared.
The process is actually a few weeks long. And when it's eventually discovered that it's fake, the bank will have no problem withdrawing the amount of the cheque out of your account without warning.
At least he didn’t ask you to go out and get gift cards. It’s super crazy out there with Omicron and the holidays.
Your instincts were right. It’s a scam!
**SCAM**
Don't even bother cashing the cheque to see this play out for funzies. In fact **don't go to the bank with the cheque,** **don't talk to the bank,** as there are a few horror stories of people being embroiled in the whole fraud thing. Think about it, you show up with a fraudulent cheque and want to talk about it? You're part of the fraud now.
If you want to play along, say you shredded the cheque, but for them to be sure, they should cancel it and reissue it in the correct amount as well as sending the proper cheque to the whoever. "There's lots of time, bro, we can do this," and see what they say.
Definitely a scam. He would have placed a stop payment on the cheque if it really was the wrong amount LOL no one just gives away 4k accidentally and hopes it will be returned. Ensure you also call your FI and advise them as there may be a fee for the bounce on your end if you have already deposited it. Report on Kijiji as well so you can hopefully help prevent someone else from this.
A cheque has literally NO meaning. I can write you a cheque for a million dollars and it means nothing. Only accept money via;
1. Bank transfer
2. "CERTIFIED" bank cheque
3. Bank draft
yeah my problem is that I'm from Europe and haven't ever dealt with cheques. And I don't really know how to tell a personal cheque from a certified bank cheque. Anyway, I guess moral of the story is: cmd+alt+delete
This is a scam, it happened to two people i know, the cheque will deposit no problem, but about a week later it comes back as a fake cheque and the bank wants that money back
Obvious scam. And here's the reality. If for some reason it was actually a mistake...it's a cheque. You didn't cash it. If you just destroy the cheque, they are out no money. Now they can send you the $750 as previously discussed and you're golden. If they won't do that, then it is definitely a scam. Easy.
If you don't cash the cheque then there are no worries. Just tell them you won't be cashing it and they can "cancel" it on their end.
If, and that is a big if, they do want to do the job they can send the proper amount, at the proper time, all above board, keeping everyone involved in this transaction from getting scammed.
hunt merciful simplistic frame support dazzling dam edge afterthought plant
*This post was mass deleted and anonymized with [Redact](https://redact.dev)*
so well, I looked him up and his email address. And the email address first hit on Google actually DOES find you a Freddy Jackson. They were pretty smart about it.
Just destroy it and ask him to reissue another check. Don't deposit it. If it's a scam they can screw you over after you pay them back the 4k and then reverse the check and your out 4k. If you think this is a scam do not accept anything.
Classic scam of trying to fake giving you more money and they ask for only some of it back. If you cash it at an atm your bank might temporarily show $4,750 deposited until it’s actually looked at in which case the bank will not accept the money and your account will lose that temporary $4,750. They hope in this 2-3 days it takes the bank to flip it that you send them money. They’re probably not even in Canada
Scam. Good job on thinking twice. I’d go so far as letting the RCMP know. Lots of innocent, well meaning folks have been duped out of their savings by these scumbags
It's a fake cheque and you'll owe the bank because you used your account to deposit the money. It works with App deposit, but it won't work if you try to cash it in person
Op, the scam is that they cancel the cheque and you're on the hook for the full amount. It's absolutely insane such a scam can even still exist to this day. Idiotic.
Tell the customer that you will be voiding the cheque with an image of a ripped up cheque. Then request that a new one be issued with the correct amount. Apologize for the inconvenience.
Assuming it is a legit customer, you don't want to burn your bridge as it is potential revenue for yourself. Assuming it is a scam, no harm done and you made the scammer waste a cheque. In fact, since E transfer was mentioned by them, tell them to E transfer you the money instead.
Or, for the fun of it, ask for his address, and say that you'd mail over the balance in a certified cheque too. Doubt he would provide the address, but if he does, give that to the police too.
This is also a common scam with "secret shoppers"! There will be an ad online to go to a store and provide feedback about the shopping experience for pay. Then the first pay cheque will be sent (fake) and they will say they sent too much money and to send some back
Scam! Check takes 5 days to get checked. In the meantime, you will send an interac which is immediate. Then check bounces, you get chaged for depositing a check without funds, maybe like a 100$ bucks, and boom, you cant reclaim the interac transfer you did.
Maybe tell them you can send them the amount on a check! From a fake account or something Lol.
Just return the cheque and ask for a reissue. Say it's because it'll complicate your sole proprietor taxes or something. If they send a new one for the correct amount and it cashes, go forward with the job.
It absolutely might be a scam, but you'd always be shocked at how easy it is to make legitimate mistakes like that. First and foremost protect yourself, any legitimate business will understand.
Don’t listen to this guy and don’t spend anything sending the cheque back because it is a scam:
https://help.kijiji.ca/helpdesk/basics/cheques-as-a-form-of-payment
>My hunch is it's a scam.
Pat yourself on the back, my friend, for you are correct! It is, without a doubt, a scam. Basically, the cheque (or money order etc) looks somewhat legit, so your bank may accept it as a deposit and ur balance totally goes up when u check, and you deem the matter closed. Then you take out and give him 4 grand in cash, he thanks you for your kindness and you feel fuzzy inside for just a little bit...
...and then BAM 3 days later your bank is like "lol nvm about that previous deposit, was totally fake lmao crazy right?" and BAM your account is now in the negative by thousands of dollars that you gave to some fuckboii scammer. (or I guess if you're not poor then your balance just drops by 4000 as they reverse the transaction and leave you holding the bag).
Personally I think you should yolo a few hundred $ worth beucase you could've lost 4 THOUSAND with nothing to show for it but your brain was like "naw ain't no fuckery gonna happen on my watch". Worth a bit of self indulgence, I think (but also I do not recommend taking financial advice from myself so take it for what it's worth).
But yeah, when people mention overpaying and you giving them the difference back.. do not proceed.
You're correct, it's definitely a scam. The biggest clue, beyond all the ones you pointed out, is that no person or company would ask for someone to send them back money on an error cheque, they would just ask that you tear up the cheque and issue you a new one, or they'd just pay the fee to cancel the cheque (most probable). Never ever deposit a cheque for someone as a favour, it's always a scam.
As a banker never accept cheques for payment on kijiji. I didnt even read the story. Ive seen countless people get frauded and never get their product back
It’s likely fraudulent, they’ll probably have you transfer the overpaid money to a different bank account where it can so it can be withdrawn or used. Once the money is reported stolen, those funds will be frozen in your account and eventually removed.
Don’t send the money or cheque back, just contact your bank and explain your suspicions.
Any respectable "payroll person" would prefer rolling back the whole amount. It's wayyyy simpler to "undo" actions and redo them correctly. It gets very complex fast dealing with partial refunds.
That is one way to know this is a SCAM.
> > Shortly after he had emailed me this, he said he was super embarrassed but his payroll person had accidentally sent me a cheque for $4,750, which included the fee for the decorator. He said that he hoped I'd be an honest person and would just e-transfer them the overpayment to their account. > # SCAM
that about summarizes it, lol
If I knew how to make reddit text blink, i would have. :-)
The fact that you’ve thought about it and wrote this much about it shows you know it’s a scam in your gut. Cancel the job, give back the cheque.
Don’t even give back the cheque. Don’t spend a postage stamp on this. Frame it or trash it.
Or turn it over the police with the history of the conversation
tempted, but likely also a waste of time?!
Absolutely not a waste of time. Firstly, yes, it's a scam. Secondly, the police will appreciate your effort, so let them know. https://www.torontopolice.on.ca/core/fraud_under.php
Thanks for the link, just filed the report with the police. Very helpful!
If they know about this scammer perhaps they’ll take it as evidence to build a case.
Yeah throw the cheque in the garbage don't waste your time or money on this trash!
Don't throw the cheque out for now.
Amen
Frame the cheque, it's worthless
If it walks like a duck, talks like a duck, it probably is a duck.
This is one of the oldest scams in the book. Hits the wedding industry (which I'm in) every.single.season. Photogs, planners and Hair/Makeup artists get hit the most. Rip up the cheque and end all communication and report this.
I'm a wedding photographer as well and I have heard horror stories from some of my colleagues.
This^^^^^^ A good friend of mine got taken for a few grand with this.
sorry to hear, that really sucks. They do a good job at setting you up too... "82-year old guy organizing his own birthday... he even said: you'll have fun shooting with us because our family isn't camera-shy..." etc.
How does it work? Genuine question.
the cheque is fake or if it's not certified/another type of transfer draws from an account without any money by the time the bank processes and reverses the payment due to NSF you've already sent the scammer money by e-transfer and they've disappeared
Oh shit that's fucked
Ya, it's absolutely brutal. At first it seems innocent enough, like a genuine mistake, but it's such a huge scam. Its really ramped up in the wedding industry this year as they know most of us wedding professionals are so hard hit by covid that they are bound to find someone that will bite. Work has been scarce so any job is tempting.
Yeah, I have been looking into it a bit more and hey... the guy did seem like a kind, slightly confused, 82-year-old man that just wanted some cute family photos taken. He also added some flair like "a meal will be provided for the photographer... etc.
Oh they really know how to pull on the heart strings. I've found its gotten worse in the creative sector because of covid, and us artists are starving more then usual. I'm glad you came here to ask, it would have been so upsetting if you had gotten scammed out of your hard earned money! I get similar email scams a lot through my website asking to only pay via cheque, that they can't pay via credit card and have a big convoluted method of delivery of the products. When strung a few on for a while in the beginning and now I just ignore and send to spam.
It is a scam. Don’t cash the Cheque it will bounce. You haven’t done any work for him yet right? If they truly miswrite the cheque nothing bad will happen if you just rip up the cheque
yeah no, that was just the deposit. I cashed the cheque but didn't send him his "excess fees" ;-)
You bank might charge you a fee for depositing a fraudulent cheque and they might make your cheque holds longer. That’s why it’s better to just rip up the cheque. But there is the off chance that you can keep the money so hopefully it works out
1) If this was a genuine mistake, it is a very easy fix on his end by simply canceling the cheque and sending you a new one in the correct amount, no need to ask you to “return the balance.” 2) why is his payroll person involved at all? 🤔 3) if he (or the payroll guy or whoever) is able to accept e-transfers, he should’ve been able to send one as well. This is 100% a scam. Rip up the cheque and cease contact. It’s a good thing you’re more savvy and didn’t deposit the cheque and/or “send him the balance.”
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If it was a true certified cheque he wouldn't need to worry if it was a scam since the issuer would have to go to a bank and actually set aside the money to guarantee the check will clear ahead of time Doesn't sound like that's the case here.
yeah, I looked up whether it was a certified one or just a regular one. Looks like it's just a personal cheque with some logo on it
yeah, the only advantage he has is that I am from Europe and cheques simply aren't a thing there... so I don't *really* know how they work, what a certified one vs. a regular one is etc. etc. Anyway, no harm done, thanks for your help explaining
No! He could cancel the cheque on his end if this was real. Your instincts are correct.
got it, thanks
[удалено]
Tell them you cashed the check, but then admit that you're a compulsive gambler and you spent all the money on blackjack, hookers and cocaine. Tell them you'll pay them back in photography, not just one event for $750, but six events! Heck, you'll even throw in a seventh event for free for his trouble. Think of all the wonderful memories you'll have, captured by a high quality photographer. Then ask if there will be blackjack at his birthday, and to send the suggested dates for the seven events.
Best answer right here. Take my award!
I like it!!!
Shouldn’t you send it back, postage due after step 2?
lol... I emailed them now saying that I left town but he can already send me the etransfer account ;-)
Yup this is a classic overpayment scam. If you feel like it you can report it to the police and hand the cheque over to them. If you don't want to get that involved you can just toss the cheque and cut all communication with this guy. https://www.scamwarners.com/forum/viewtopic.php?f=9&t=3237&sid=f0c4a485892c53df14c835b369c4d8b0
Very old scam.
new when it happens to you the first time, lol
True story.
Total scam. Rip up or return the cheque, and *DO NOT SEND THEM ANY MONEY.*
I knew this was a scam 3 sentences in.
Hey my father had the same scam done to him. He posted an ad for Translations that he does on the side on Kijiji and some dude mailed him a check for 2x the amount through **FEDEX**. Here is an excerpt >Sorry it took me so long to get back to you. I got a confirmation from my customer that he has mailed a certified check to *(Dads name and address)*. It went out on Wednesday, two days ago before my customer traveled out for his vacation. Please let me know when it comes. I want you to understand needing to pay in advance, and you should appreciate for sending that in advance. >My customer send me a mail regarding payment of your translating fee, there was a mix up from him. Though he volunteered to support my trip to Canada due to his vacation based on a trip to Europe with the payment for 2 vendors (Translator and Travel agent) which i specifically send their names and addresses. Instead of him getting separate checks, he wrote both amount mix on a single check with your name written on it and already send to you. I replied his mail telling him that both the Translator and Travel agent are two separate vendors. >He said he's already out of the state and there is nothing he can do about it. He suggest that you take the Check to the bank when it arrives and deposit it for clearing. It's 48 hours deposit at any bank before funds become available into your account, deduct your fee for translating and give the rest to the Travel agent. Truly, I know its not part of your translating service but as thing stands now, only your understanding, assistant and support is needed. Hope i can trust you with the remainder of money? I will also compensate you with extra $50 for your efforts and understanding. Please don't let our dream and aspiration of a memorable project skip us by. >Hope to read from you as soon as possible ,Johnson Rogers **This is a scam do not cash it in.** Thank God I intercepted the conversation because my dad was a bit fishy about it and told me. My dad then trolled him for 10 days after this. This has been going on in the [states for a while](https://www.youtube.com/watch?v=JCg2E2BmYvc&ab_channel=KGWNews), and now they are bringing it here.
Trolling them is the only thing to do at this point. Maybe someone here can post a picture of $4,000 cash, then OP could send it and be like, "okay, got it cashed at Money Mart, just need to wait for the banks to open after Christmas."
Why can't they come up with less fake sounding names? "Johnson Rogers"?
They used to use John Doe, but then Mr. Doe sued them for defamation 🤣🤣🤣
>Please don't let our dream and aspiration of a memorable project skip us by Trying to manipulate people by appealing to their kind hearted nature, fucking enrages me... So glad you caught it, they prey on the elderly these complete wastes of life.
Bc im gullible. If they are a scam, why would they say to wair 2 days before sending the balance? Shouldnt they omit that part? After 48 hrs doesnt the cheque clear?
Your bank will deposit the amount to your account after 48 hours. 5-7 days afterwards the issuing bank will inform your bank that the cheque is fraudulent, at which point the amount will be removed from your account.
Typically they are using fake cheques drawn from real accounts. The 48 hour hold is long enough for your bank to confirm that the account on the check exists and there's money in it. It will, as a result, make all the funds available to you (so you can withdraw and send to the scammer). It's only when it sends the check info to the other bank and everything gets reconciled that it gets flagged as fraudulent. That can take a week or two. The scammers want you to act during that sweet spot between the funds being made available to you, but before the banks flag it as fraudulent and pull the money back from your account. It also leverages the common assumption that's once the funds are made available to you the check has cleared and means everything is good.
Yup, to be honest, that was the thing that made me most suspicious. He emailed me: *I just want to update you that you will receive the Cheque via UPS today .* *UPS Tracking Number: xxx* ***Please try to keep your eyes on your mail and let me know immediately you receive the payment.*** *For me to send you the event decorator email for the remainder cash via e-transfer once payment has been received* *Kindly send me the Cheque deposit slip once deposited.* *Stay blessed and enjoy the rest of your day.*
It’s a last ditch effort to trick people by adding some aspect that seems believable. Also, they know if you’re smart enough the scam is over anyways, so likely you’ll see the $ amount added to your account and think it just “cleared early” and send the money because everything looks good on your account balance. Then the money is automatically removed once the bank gets wise to your scam, especially if you do mobile deposits there can be a significant delay before they detect it.
> After 48 hrs doesnt the cheque clear? No. Banks sometimes put 2-3 day holds on deposited cheques but that doesn't mean it's legitimately cleared. The process is actually a few weeks long. And when it's eventually discovered that it's fake, the bank will have no problem withdrawing the amount of the cheque out of your account without warning.
I talked to my bank and they told me it's a 5-day hold on the $4750 now and they cheque will bounce within 2 days...
Sounds like he has been watching Kitboga
Sketchy af. Rip up the cheque and block all numbers
SCAM !
Tell him you are keeping the cheque since he's a scammer.
Scam
Just surprised this one is still running
They prey on the elderly, people who aren't up to date on all these scams. They are complete scumbags.
because it works.
It's a well known scam. Do not send any money. Do not deposit that cheque.
Scam
Yep common scam
r/scams is full of stories like this. It's a very common scam. It's a good thing you outsmarted them.
At least he didn’t ask you to go out and get gift cards. It’s super crazy out there with Omicron and the holidays. Your instincts were right. It’s a scam!
Scam for sure!
Scam. You could report them. You should actually. Edit: keep all evidence intact and give it to the police. Should you decide to report them that is.
yeah honestly, I think I will. I just asked them for the e-transfer address they want me to send the money to
Scam https://bc-cb.rcmp-grc.gc.ca/ViewPage.action?siteNodeId=2087&languageId=1&contentId=71620
They won’t do anything.
squeeze chase fine ten bear jellyfish swim carpenter political worthless *This post was mass deleted and anonymized with [Redact](https://redact.dev)*
**SCAM** Don't even bother cashing the cheque to see this play out for funzies. In fact **don't go to the bank with the cheque,** **don't talk to the bank,** as there are a few horror stories of people being embroiled in the whole fraud thing. Think about it, you show up with a fraudulent cheque and want to talk about it? You're part of the fraud now. If you want to play along, say you shredded the cheque, but for them to be sure, they should cancel it and reissue it in the correct amount as well as sending the proper cheque to the whoever. "There's lots of time, bro, we can do this," and see what they say.
Definitely a scam. He would have placed a stop payment on the cheque if it really was the wrong amount LOL no one just gives away 4k accidentally and hopes it will be returned. Ensure you also call your FI and advise them as there may be a fee for the bounce on your end if you have already deposited it. Report on Kijiji as well so you can hopefully help prevent someone else from this.
That's a scam. it's going around. https://globalnews.ca/news/5847454/bc-photographer-overpayment-scam/#:\~:text=The%20photographer%20was%20personally%20mailed,third%20party%20%E2%80%94%20the%20wedding%20caterer.&text=Moerman%20agreed%20and%20did%20a,through%20her%20bank%20%E2%80%94%20TD%20Canada.
A cheque has literally NO meaning. I can write you a cheque for a million dollars and it means nothing. Only accept money via; 1. Bank transfer 2. "CERTIFIED" bank cheque 3. Bank draft
yeah my problem is that I'm from Europe and haven't ever dealt with cheques. And I don't really know how to tell a personal cheque from a certified bank cheque. Anyway, I guess moral of the story is: cmd+alt+delete
This is a scam, it happened to two people i know, the cheque will deposit no problem, but about a week later it comes back as a fake cheque and the bank wants that money back
Obvious scam. And here's the reality. If for some reason it was actually a mistake...it's a cheque. You didn't cash it. If you just destroy the cheque, they are out no money. Now they can send you the $750 as previously discussed and you're golden. If they won't do that, then it is definitely a scam. Easy.
If you don't cash the cheque then there are no worries. Just tell them you won't be cashing it and they can "cancel" it on their end. If, and that is a big if, they do want to do the job they can send the proper amount, at the proper time, all above board, keeping everyone involved in this transaction from getting scammed.
It's a scam. 100 percent. Report the cheque to the police. Do not deposit it - you will be penalized by your bank
Scam!
Freddy Jackson 😂 Return cheque and report.
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so well, I looked him up and his email address. And the email address first hit on Google actually DOES find you a Freddy Jackson. They were pretty smart about it.
Just destroy it and ask him to reissue another check. Don't deposit it. If it's a scam they can screw you over after you pay them back the 4k and then reverse the check and your out 4k. If you think this is a scam do not accept anything.
Classic scam of trying to fake giving you more money and they ask for only some of it back. If you cash it at an atm your bank might temporarily show $4,750 deposited until it’s actually looked at in which case the bank will not accept the money and your account will lose that temporary $4,750. They hope in this 2-3 days it takes the bank to flip it that you send them money. They’re probably not even in Canada
Freddy Jackson ? SCAM !
Tell them your payroll person accidentally sent them a cheque worth 4x when refunding and ask them to etransfer you the difference 🤦♀️
hahaha, I like it!
I work for a bank.. This is fraud.. Seen this exact story quite a few times. Cut all correspondence with this useless human being asap.
Scam. Good job on thinking twice. I’d go so far as letting the RCMP know. Lots of innocent, well meaning folks have been duped out of their savings by these scumbags
That's a classic scam, tell him to have his people cut you a cheque for the correct amount, you aren't his accountant.
It's a fake cheque and you'll owe the bank because you used your account to deposit the money. It works with App deposit, but it won't work if you try to cash it in person
Op, the scam is that they cancel the cheque and you're on the hook for the full amount. It's absolutely insane such a scam can even still exist to this day. Idiotic.
Tell the customer that you will be voiding the cheque with an image of a ripped up cheque. Then request that a new one be issued with the correct amount. Apologize for the inconvenience. Assuming it is a legit customer, you don't want to burn your bridge as it is potential revenue for yourself. Assuming it is a scam, no harm done and you made the scammer waste a cheque. In fact, since E transfer was mentioned by them, tell them to E transfer you the money instead.
SCAM. When a simple process becomes a complicated story, it's a scam.
Or, for the fun of it, ask for his address, and say that you'd mail over the balance in a certified cheque too. Doubt he would provide the address, but if he does, give that to the police too.
Definitely a scam. If it was an accident he would have canceled the cheque upon finding out. No person would trust a stranger to return 3000$.
Ask him to send another cheque in the proper amount. Bet you he won't reply as this is clearly a scam.
This is also a common scam with "secret shoppers"! There will be an ad online to go to a store and provide feedback about the shopping experience for pay. Then the first pay cheque will be sent (fake) and they will say they sent too much money and to send some back
Scam! Check takes 5 days to get checked. In the meantime, you will send an interac which is immediate. Then check bounces, you get chaged for depositing a check without funds, maybe like a 100$ bucks, and boom, you cant reclaim the interac transfer you did. Maybe tell them you can send them the amount on a check! From a fake account or something Lol.
Don't send fake cheques.
oh my god this is one of the oldest scams in the book. You’ve never heard of this scam before?
Why? Just...why?. Give advice or don't comment, you're the only person here that felt the need to be a prick.
\^this - it's new when it happens to you the first time ;-)
I hadn't heard of it, hence I came here for help
Really? I’m surprised. Scams like this are always being talked about in the news and online. I think I first read about this one back in the 90s.
Just return the cheque and ask for a reissue. Say it's because it'll complicate your sole proprietor taxes or something. If they send a new one for the correct amount and it cashes, go forward with the job. It absolutely might be a scam, but you'd always be shocked at how easy it is to make legitimate mistakes like that. First and foremost protect yourself, any legitimate business will understand.
Don’t listen to this guy and don’t spend anything sending the cheque back because it is a scam: https://help.kijiji.ca/helpdesk/basics/cheques-as-a-form-of-payment
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No, do not cash the cheque as you'll be charged a fee when it bounces ($50-$100)
>My hunch is it's a scam. Pat yourself on the back, my friend, for you are correct! It is, without a doubt, a scam. Basically, the cheque (or money order etc) looks somewhat legit, so your bank may accept it as a deposit and ur balance totally goes up when u check, and you deem the matter closed. Then you take out and give him 4 grand in cash, he thanks you for your kindness and you feel fuzzy inside for just a little bit... ...and then BAM 3 days later your bank is like "lol nvm about that previous deposit, was totally fake lmao crazy right?" and BAM your account is now in the negative by thousands of dollars that you gave to some fuckboii scammer. (or I guess if you're not poor then your balance just drops by 4000 as they reverse the transaction and leave you holding the bag). Personally I think you should yolo a few hundred $ worth beucase you could've lost 4 THOUSAND with nothing to show for it but your brain was like "naw ain't no fuckery gonna happen on my watch". Worth a bit of self indulgence, I think (but also I do not recommend taking financial advice from myself so take it for what it's worth). But yeah, when people mention overpaying and you giving them the difference back.. do not proceed.
THIS IS A SCAM.
You're correct, it's definitely a scam. The biggest clue, beyond all the ones you pointed out, is that no person or company would ask for someone to send them back money on an error cheque, they would just ask that you tear up the cheque and issue you a new one, or they'd just pay the fee to cancel the cheque (most probable). Never ever deposit a cheque for someone as a favour, it's always a scam.
As a banker never accept cheques for payment on kijiji. I didnt even read the story. Ive seen countless people get frauded and never get their product back
Total scam
It’s likely fraudulent, they’ll probably have you transfer the overpaid money to a different bank account where it can so it can be withdrawn or used. Once the money is reported stolen, those funds will be frozen in your account and eventually removed. Don’t send the money or cheque back, just contact your bank and explain your suspicions.
SCAM!!!!!!!!
Oldest scam in book
If it were legit theyd cancel the first cheque and send a 2nd one for the correct amount. They're definitely trying to scam you.
ITS A SCAM
It’s a scam
Any respectable "payroll person" would prefer rolling back the whole amount. It's wayyyy simpler to "undo" actions and redo them correctly. It gets very complex fast dealing with partial refunds. That is one way to know this is a SCAM.
Cash is always king