Moneygram Financial Employment Scam(1500 pounds what to do?)

Hi guys, I was a victim of employment scam. Luckily, I didn't send the money to the people that tried to rob me, because me and my friends had a suspicion of the job offert not being true. But from the start, I have applied for Care and Support Bank Workers Level 2 on this website: http://www.metropolitanjobs.org.uk/

Then, The company called "Langdon Finance LTD" with a fictional "real" website gave me an application form, that I had to fill out. Later, When I have done this part, they gave me an info that they will call me next day for training process info, and that I should pay attention to different payment methods as I will be instructing people in real life (they meant Moneygram and Western Union) finances. Soon I gave my account number to those people, they also lied that i will only recieve 30 (than they said 60) pounds, the next day they gave me loads of trash details informations thourgh the phone, and sent 1,500 pounds to my account..

Ok, I didn't sent the money back to them, but what am I supposed to do with all that cash now? They keep writing nasty stuff on my email, i know i got to ignore it, because they wont stop, but who's is that cash now? I have already told my bank about it, and I will need to give them evidence to unblock my bank account which is fine, but what would you recommend to do the cash, do you think its against criminal law if I keep it now ? (the banker has said, that they take out the money make loan, send cash to me close the bank account, etc. But if its a loan money, than its not illegal really, its someones business what they will do with their loan money, at least thats what it is and how i guess it) so what would you say guys?

Welcome here RedCode.

I never heard of a scammer sending money, so it can only be send from an other victim. With a lot of employment scams, they turn their targets into a "money mule", who receive money from victims and foreward that money to the scammer. It is best that you notify your bank about this. Could you please post the emails that you got from the scammer?

Their email is: [email protected]

I already notified my bank, it was firs thing I have done, they blocked my account, until i will prove its a scam (which I will, but soon as I walk into the bank, I need some advice what to do with the cash)... Ok, but the question is what should I do with the money, when its still on my account, what will happen to it? (yeah, I seen online tips, and have never found similar problem to mine... I mean there was Employment scams, but I cant find any similarity in scammer sending the money to someone to forward it to another scammer, which means that I should keep the money? Because we know Bank institutions, they could advise me to make profit for themselves, what would you guys recommend to do, I know it would be a suicide if I send the money back to scammer, so I need a good advice about this, they told me to send money to Ukraine to someone called "Kataryna Serzehnko" through moneygram, which seems stupid, where do you guys think the money actually came from, the loan or another Victim?)

Their email Messages were:

Cindy R. Chow:
"More detailed information about available position

Please fill out the "Application form" carefully and send the form by email.

Our manager will call you within 1-2 working days.

P.S. The application must be completed in full detail.





Sincerely , Cindi R. Chow
HR Department , Langston Finance LTD"

Cindy R Chow:

"In attached file you can find Training manual about training
process.
Your training will start on (Wednesday, 08, August, 2012)

Please confirm that you are ready to start the training
as soon as possible.

P.S. Our manager will call you.




With respect,
Cindi R. Chow,
Langston Finance LTD"

Cindy R. Chow

"Dear MR ....., we may accept your decline as soon as the amount for training will be sent back from you. The money for the training deposited on your account goes from one training person to another by a chain and each one should pay the transaction commission fee and take his/her training wage from this money. So, not to delay the training for other people, you should send the amount sent to you! Your training manager provided you with all the details. "

Cindy R. Chow

"Dear ..... , if you keep ignoring calls from the company we will have to prescribe you a penalty fee.
The money for the training deposited on your account goes from one training person to another by a chain and each one should pay the transaction commission fee and take his/her training wage from this money. Now you are delaying the training process of all the trainees who were supposed to receive the money after you. It's very important not to delay the training process! Please call us at 020 3286 5332 ASAP not to delay the training process anylonger, from ?1500. deposited you should take from this money ?30 as a daily training wage for the lesson and the rest you should use for practicing with Money Gram payment system, the nearest location you may find at any Post Office around you. Here are the instructions for the Money Gram."

Cindy R. Chow

"Dear ......, if you keep ignoring calls from the company we will have to prescribe you a penalty fee and call the local police. Please call us at 020 3286 5332 ASAP not to delay the training process anylonger!"

langstonfinance.com looks like a fake domain. Could you post the emails with full headers? (Received:, X-Originating-IP:, etc.) We'll need them to kill the domain, as I don't see enough on the website to prove it's fraudulent. Also print the emails with full headers and show them to the bank.

As David said, they have hired you to be a mule. The money came not from the scammer, but from a victim of the scammer. Perhaps the victim thinks she's sending money to a soldier who is in love with her, while the mule thinks the money is payment for a watch that someone is buying. The right thing is to send the money back to the victim and tell her what's happening.

Don't expect the scammers to call your local police. The scammers are criminals and are located in another country.

yeah your right, but I cant send money back to the Victim as I dont possess their account number, Im on my way to bank now to solve things up, but the scammers want me to send money back to THEM, but this time not through moneygarm but through bank account located in England, and this is what I dont want to do, so for now I will keep this moeny on my account and ask for more details in bank. I dont know how to check IP of email adress, and I know the domain is fake, I used google maps and couldnt find any Langdon LTC Finance company in the area they specified. I know they are lieing about Police, I read this part already.

Don't touch the money. Leave it in your account. If you transfer it, knowing that it is the proceeds of fraud, you will be guilty of a serious crime.

Make sure you have contacted the fraud department of your bank--not just the tellers or clerks, who do not necessarily have the expertise to address this.

It can take weeks, even months to sort out an illegal transaction, and the bank may leave the money as-is until it is sorted.

Don't touch the money. Leave it in your account. If you transfer it, knowing that it is the proceeds of fraud, you will be guilty of a serious crime.

Make sure you have contacted the fraud department of your bank--not just the tellers or clerks, who do not necessarily have the expertise to address this.

It can take weeks, even months to sort out an illegal transaction, and the bank may leave the money as-is until it is sorted.

thanks for respond. What do you think will happen to the money after its sorted? Will bank Send it back to Victim, take it for themselves, leave it on my account? do you have any idea?

(I have spoked with bank Manager, but I need to wait for Monday, until my bank is opened in one of my cities districts to speak and give all the evidence to Manager, as another banks that I haven't reported my issue in, cant do anything, my account is currently blocked,

How it will be resolved depends largely on the bank and type of account the money was stolen from, as the rules for transfers (and returns) vary.

In some cases it can be transferred back to the victim's account. In other cases, the transfer can't be reversed, but the account owner may have insurance. If insurance ends up paying for the loss, chances are the insurance company will take steps to recover the money from you. The bank may also take money out, charging fines and/or fees for the bad deposit.

and... Another option is that, there is no fees, the person that sent the money has no insurance, my bank already said they cant transfer money back to Victim so... The money might stay at my account, but I will find out how bank is willing to deal with this problem on Monday, because there is also an option of bank closing my account, transferring rest of my sum to another account, opening up another account for me, and leaving 1,500 on this account..

Any way this will go, I will inform you how it all went, and thank you all from your answers!

As said above, this scammer is using a fake website. In order to get it killed, the headers of the emails are needed. I'll give you a link that will help

Find email headers:
http://www.abika.com/Reports/Samples/em ... rguide.htm

Don't touch the money. Leave it in your account. If you transfer it, knowing that it is the proceeds of fraud, you will be guilty of a serious crime.

Make sure you have contacted the fraud department of your bank--not just the tellers or clerks, who do not necessarily have the expertise to address this.

It can take weeks, even months to sort out an illegal transaction, and the bank may leave the money as-is until it is sorted.

I believe what you said is true, but Bank have unblocked my account today, they said I can use whatever ammount I possess on the account, I gave them all the evidence, I have no respond from the crimminals what so ever, I have also spoke to Police which told me to go to Bank, the Bank Manager said its all sorted, I will also get a letter from Police Man that I spoke with, to comfirm I have reported the problem immediatly. The money is mine for now, but thank you for all your help, also I don't know if I will be in guilty of a serious crime, as even up to today I dont know (you can't prove it as well) where does the money come from, I don't know if its dirty cash or not, I have also got alibi of my friends which went with me and prove of what Bank Manager said to me, that I can use all the ammount of the account as usual, and because they have unblocked my account, and took all my evidence, I see this case as solved, I don't even have any contact from the criminals, this situation is very untypical, but I guess i was just lucky, thanks.

(Im more than sure, that Bank Manager have spoken to the fraud department already, I think he has done that because he unblocked my account before I went to bank ealier on today, Im guessing that is what the fraud department have told them, and for now I gave him all the evidence *stuff like application form, salary etc.* that he may use in further parts of this investigation, maybe he will speak with fraud department again, who knows...)

You can be absolutely certain the money is stolen, regardless of what the outcome is.

There are times in which the mule ends up keeping the money, simply because of the very complicated and sometimes strange way the banking rules work. It's uncommon, but it does happen. The reason I did not include this as a possibility in the first place is that sometimes even mentioning it is possible encourages desperate people to take the risk and do this, in hopes they will get money out of it. In the end they are hurting others (the people the money is stolen from) and putting themselves at great financial and legal risk.

If you have made every effort to sort it out, just keep all evidence in case it comes up again in the future (sometimes it does, too--as I said, it can take weeks or months to sort it out.)

Keep in mind too that even if the bank and police take no action, if the real owners of the money find out your information, there is nothing to stop them from trying to take you to civil court. With the cost of court and lawyers, it is not something that everyone would do, but there are no guarantees.

You can be absolutely certain the money is stolen, regardless of what the outcome is.

There are times in which the mule ends up keeping the money, simply because of the very complicated and sometimes strange way the banking rules work. It's uncommon, but it does happen. The reason I did not include this as a possibility in the first place is that sometimes even mentioning it is possible encourages desperate people to take the risk and do this, in hopes they will get money out of it. In the end they are hurting others (the people the money is stolen from) and putting themselves at great financial and legal risk.

If you have made every effort to sort it out, just keep all evidence in case it comes up again in the future (sometimes it does, too--as I said, it can take weeks or months to sort it out.)

Keep in mind too that even if the bank and police take no action, if the real owners of the money find out your information, there is nothing to stop them from trying to take you to civil court. With the cost of court and lawyers, it is not something that everyone would do, but there are no guarantees.

I will keep all the evidence in case anything will come up, thats why I will get Police officer I spoke with to get me a verification, also print out all the other evidence I gave to bank (job application, etc.) anyway thank you very much for all the info, but I really dont know who the victim is, and we cant be sure (or maybe, I am not sure, and you know more) if it is really a Victims money, or maybe Scammers got it from else were.

To be honest, I don't believe the real ower will ever find me, simply because my bank couldnt send theirs money back to their account for some reason, so it will be really hard to get info about me (if I cant get any info about victim, than I dont think he will be able to get any info about me)

Anyway, what else would you suggest comes up, apart from Victim taking me to civil court, and bank doing anything to me (as bank already told me, the money is "mine") - do you think, it will be someone like Police department solving it out, or some fraud department that will come after me in the near "future" ?

Anyway, I would be more than happy to give the money back to Victim, but i heard its impossible to send it back, so i rather keep it for myself than give it to the crimminals or bank, I think you would understand...

I came out with a conclusion, that crimminals could want to make a revange on me, and give the Victim they stolen the money from my info, for him to actually come after me and take me to civil court . Anything is possible in this strange world....

Hi RedCode,

It apears to me you are looking for justification to keep the money. As others have said I can agree the money is stolen 100% without a doubt.

Your bank will not know nor will they restrict you from using funds in your account until the fraudulent transactions have been reported. More than likely as previously stated the money deposited into your account was from another victim of a scam. From the amounts i would guess a victim of a military romance scam. The victim may or may not report the crime. If they do report the crime the money trail leads to your account implying you were an acomplise to the criminal activity. You have done a good job reporting to the police what happened. This will hopefully keep you out of legal trouble but more than likely you will be responsible for repaying the stolen funds if the crime is reported.

From what you have said you have done everything in you power at this point but the best course of action is to not spend the money or prepare to pay it back when and if the crime is reported. I promise if it is reported as a crime by the victim they will be able to find out where the money was sent.


Justin

To be honest, Im not happy about this situation, I was in more risk as a Victim, because If I did send the money to the crimminals (I was like 3 meters from Post Office desk, and I would have already sent it, as but I didnt have any identification with me, I had to bring it again to Post Office with me, and then i read the front of moneygram letter, as I didnt see it at first) i would end up in jail, I would end up with alot of legal problems, facing alot of stress situation. The other person was a Victim, but wasnt in the same risk, because she actually did pay the money, putting me in danger and risk of being faced with legal problems You guys are talking like Im not fair, but I done everything in my power, plus I will keep all the money for her, so she can nicely pick it up, after all the danger she put me in. Ok, it dosent matter, its way past me now, I hope she will get her money and get the fu** out, I dont understand how someone could be so stupid to send 1,500 pounds else where, but ok, at least she could give me some private reward for being so nice for her, because on the other hand it dosent really make a much difference to me, at the end of the day I dont know either criminals or that victim, so I could send all the money to criminals as I wont recieve anything from it, there is only two choices for me : Crimminals - legal problems - Victim - (hopefully) no legal problems - as you can see, it can be really frustrating when you dont really have much choice, If I could I would sent money to criminals (if there was no legal problems) as Victim put me in so much risk now, that I dont really care who is that money now.

PS: And if its not reported, the money will belong to me? (Which is very unlikely i guess)
or some other fraud department (not police and the bank, as they are out of my way) will chase after me ?

this money is not worth it, I swear so much trouble for it, and nothing gained, so much risk