20-04-2005 07:24									#31
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quote: Originally posted by Provost Harrison When you say friend, you mean yourself don't you?

nah

but sucks though because it looks like he has if any options, does anyone know about declaring bankruptcy and its repercussions? because that's what I advised him to do if he couldn't pay it back in this case

	20-04-2005 07:27									#32
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quote: Originally posted by Guynemer And I prefer "dumb as a sack of hammers." "Dumber than a boxful of hair" is also a good one.

It's way beyond that. This is "dumber than two boxfuls of hair" level.

	20-04-2005 08:46									#33
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quote: Originally posted by korn469 . . ., does anyone know about declaring bankruptcy and its repercussions? because that's what I advised him to do if he couldn't pay it back in this case

Congress just changed the bankruptcy laws, so who knows. If he's that bad off, it's time to talk to a bankruptcy lawyer.

	20-04-2005 08:58									#34
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Bush hasn't signed the bill yet, but it's not credit card debt anyway. Your friend needs to declare bankruptcy. That's the only way out of this situation.

I can't believe he didn't at least wait for the money order to clear.

	20-04-2005 09:11									#35
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quote: Originally posted by reds4ever It doesn't work like that, by presenting the orders he's effectively vouching for them/ bought them. It's up to him, not the bank, to recover the money if those orders are fake. Sorry theres no easy way out Korn. He's screwed.

Suppose you go to your new job the first day, and your boss gives you a 10,000 pound money order to cash. You come back with the money, your boss takes it, leaves office, and never to be seen again.

Are you stuck with this? It doesn't make sense if you do, and these are similar situations.

	20-04-2005 09:16									#36
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quote: Originally posted by Dr Zoidberg Couldn?t some insurance cover this? Like stupid insurance?

Doesn't cover pre-existing acts of stupidity.

	20-04-2005 09:28									#37
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They are getting more and more inventive. They are using direct mail and other approaches now.

I had a cheque on a British bank sent to me with the request to immediately ship certain products, please.

I sent the cheque through our bank for collection. The answer came back that it was fraudulant. Colour me shocked.

	20-04-2005 11:18									#38
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Check out www.419legal.org

Your friend should be able to get some expert advice from there. The admin works for the South African police, I believe, and the site is dedicated to combat Advance Fee Fraud.

I doubt your friend will be able to get any money back, but he can help build evidence against the scammers, and possibly hasten their arrest.

	20-04-2005 11:53									#39
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quote: Originally posted by Zkribbler I'm wondering if he is liable for the counterfeits. How's a lay person supposed to spot counterfeits if the people who work at the bank can't? It might be worth a trip to a lawyers, or a law library, or a legal aid society, or something in order to look into it. Maybe even the detectives on the case might know a little something about this...although they're trained in criminal law, and who gets stuck paying for these bad boys is a civil matter.

	20-04-2005 11:55									#40
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quote: Originally posted by Kingof the Apes Check out www.419legal.org Your friend should be able to get some expert advice from there. The admin works for the South African police, I believe, and the site is dedicated to combat Advance Fee Fraud. I doubt your friend will be able to get any money back, but he can help build evidence against the scammers, and possibly hasten their arrest.

Well done.

	20-04-2005 13:36									#41
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Really, have your friend talk to the FBI. Even if he doesn't want to, force him, be stern this time around. I guess it will also help if he can get all of his correspondence forwarded to the FBI later.

	20-04-2005 15:06									#42
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The good news is that for $10,000 he can easily afford to have the scammers killed.

	20-04-2005 15:38									#43
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Could you and other friends/family of his offer him a friendly loan? 10,000 is a ***** to gather, but a few thousands should be possible with several contributors.

It would seriously help him not turning desperate.

	20-04-2005 16:53									#44
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This is why you should never talk to anyone from Africa.

	20-04-2005 17:18									#45
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quote: Originally posted by Oerdin Your friend is dumb as a rock.

I don't know any rocks that have fallen for these things. Dumber.

	20-04-2005 17:20									#46
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I just can't believe he didn't wait for them to clear first.

	20-04-2005 18:23									#47
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Word, Che.

	20-04-2005 18:29									#48
	Put an end to popups!

I feel sorry for his loss but wonder if natural selection fits into this situation.

	20-04-2005 18:41									#49
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quote: Originally posted by Urban Ranger Suppose you go to your new job the first day, and your boss gives you a 10,000 pound money order to cash. You come back with the money, your boss takes it, leaves office, and never to be seen again. Are you stuck with this? It doesn't make sense if you do, and these are similar situations.

The difference, as I see it, is that your new boss has given you the money order , you've paid it into your account and then taken out the 10,000 before the money order has cleared into your account.

	20-04-2005 18:52									#50
	Got spare money?

I know it is probably not worth $10K to your friend, but perhaps this man's efforts to annoy the scammers will cheer him up a bit.

http://www.sweetchillisauce.com/nigeria.html

	20-04-2005 18:53									#51
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This is why you should trust no one.

	20-04-2005 18:57									#52
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If your friend sends me $5000, I will help him get his money back.

	20-04-2005 19:01									#53
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Ha! If he sends me $5,000, I can guarantee that he'll recover no less than 1/4 than his original loss. How can he fail!

	20-04-2005 19:45									#55
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Help him set up his own scam.

	20-04-2005 19:48									#56
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Yeah, spam Nigerians in order to trick them into giving him their life savings.

	20-04-2005 19:52									#57
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quote: Originally posted by DaShi Help him set up his own scam.

How about :


"I am a bankrupt waiter needing to pay my through university, if you would send me a Western Union bankers draft for $10,000, my father who is the Crown Prince of Zululand will reimburse you the money plus $10,000,000 for your trouble"

	20-04-2005 19:58									#58
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or start a save[insert your name here].com

	20-04-2005 20:19									#59
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Sounds like one the Nigerians have already tried.

	20-04-2005 22:47									#60
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quote: Originally posted by reds4ever The difference, as I see it, is that your new boss has given you the money order , you've paid it into your account and then taken out the 10,000 before the money order has cleared into your account.

The key part is that he endorsed the money order. The are multiple ways of liability connected with negotiantion of commercial instruments (checks, money orders, drafts, etc) but one of the clearest is edoresment which creates both contractual and warranty liabilities (among other things, you are guaranteeing to the party you endorse/assign it to, the genuiness of the instrument, the availability of funds, and the validity of ALL prior signatures/endorsments) negligence/skill is not needed for an endorsers liability.