FINANCIAL CRIMES - TN Asset Abuse Toolkit金融犯罪-在资产滥用工具包.pptVIP

Insurance Fraud A victim with multiple unnecessary insurance policies. Approached by a salesperson to buy duplicate insurance policies. A victim pays on many insurance policies and can not afford to pay for basic needs. Investment Fraud Victim invests in the stock of a company that does not exist. Victim purchases a CD, or Certificate of Deposit, but the company in which the person has invested is allowed to redeem it. Victim is denied a loan because of age or fixed income status. Investment Frauds In areas with a high concentration of senior citizens, investment frauds are usually carried out on a hit-and-run basis. These scams may involve the selling of coins, oil and gas leases, precious metals, and gemstones. The caller will flatter you as a “smart investor” who can recognize a good deal, then confide that if you sign up quickly you can get in on a great “opportunity.” Remember these salespersons are professionals and gifted at getting people to believe them. Also, consider that there are fees in most legitimate investment markets for every transaction—when you buy and when you sell. These fees can add up, especially if you have given your permission to automatically negotiate if the market seems to be changing. When someone calls with an investment opportunity, get the name, address, and phone number of the company. Request references and written materials. Always read carefully any forms before signing. Check with the Better Business Bureau, the Bureau of Consumer Protection, or perhaps the securities dealer at your bank or investment firm. Charity Fraud Victim receives frequent calls or direct mail requesting donations. Victim makes lots of payments to charities that are not well known. Victim is having difficulty paying for regular expenses, even though there has been no change in income. Funeral Chasers  In this situation, funeral chasers visit the family of a recently deceased person, claiming that the decedent made a down payment on merchandise