Monday, June 18, 2012

Save Yourself From Lottery Scams

Most often, lottery scammers will send people letter or e-mail announcing that they won a big prize in a lottery. Typically, scammers use the name of popular lottery games such as Mega Millions or Powerball and even use official-looking papers with the logo and letterhead of the lottery or the lottery entry provider.

Scam emails usually use what appear to be legitimate addresses such as MegaMillionsPrizes@______.com or U.S.PowerballPrizes@_____.com. For the unsuspecting or the naive, they seem to appear legitimate and they will simply fall for the scam.

The letter or the email will then require the supposed-to-be winner to reply with their personal information so they can send the prize money. In some instances, the letter also contains a real-looking check for a few hundred or few thousand dollars. Of course, the check is not real but it will be enough to make some people really excited and get hooked with the scam.

The bottom line of the scam is that they want you to send them money. Scammers will tell you that you need to send them payment for the taxes on your winnings before you can get your prize. In the event that they send you a check, they will tell you that you have to send first your payment for the taxes before they can clear the check for payment. If the amount in the check is in the thousands of dollars and the amount that you need to pay in the form of tax will be only a few hundreds, you might really be tempted to do just what they are asking you to do thinking that after all, you already have in your possession their check.

If you fall for it and you send the payment for the tax, usually through Western Union, you will discover later that the check in your possession is fake. The bank will not honor it.

Don't fall for the scam

In these days when almost everybody is trying to make a fast buck out of anybody, people must not be so naive to fall for lottery scams. The only thing to remember here is that you do not win a prize for a contest or a lottery game you did not enter. When you receive a letter or an e-mail announcing that you won, you will know right away that it is a scam when you know you did not play any lottery game online. If you do play a lottery game by buying a ticket, you will never get a letter or e-mail announcing that you won because you have the ticket with you and nobody will ever know the numbers in your ticket.


Warning bells of a scam

In addition to the fact that you did not enter any lottery game online, the following are clear give-away of a scam:

The e-mail address of the lottery uses Yahoo or Hotmail. Legitimate lottery games have their own domain name.

Most of the scams originate from non-English speaking countries and errors in spelling and wrong grammar could be a simple give-away. The spelling and grammar could be correct but the wording or the phrasing could be strange and uncommon in the United States.

Description of the prize you are supposed to have won does not match the prize category of the lottery game they are referring to. Example, the letter may announce that you have won $20 million in the prize category "A" of U.S. Mega Millions or U.S. Powerball. There is no such thing as category "A" prize in either lottery.

The name of the lottery game is the name of a company that is not involved in lotteries such as Microsoft, Apple, Google, or even Los Angeles Times.
The letter or e-mail will mention that the lottery is sponsored by a famous individual such as Bill Gates,  Jesse Jackson, or the Sultan of Brunei. Lotteries are not sponsored by individual persons.

You won in the lottery as a result of your participation in a survey. Legitimate surveys do not offer prize money. Surveys that offer prize money or lottery tickets will be asking for your personal information to participate, a scheme practice by ID thefts.

The letter or email announces that the participants in the lottery were selected randomly through e-mail addresses from different countries.

The lottery involves a claim agent and you have to go through this agent before you can claim your prize money.

There is a strong warning that you must keep your winning the lottery strictly confidential and must not be known by the public until the prize money has been finally remitted to  your bank account.

The most important warning bell of a scam is the request for money. Usually, the first letter or e-mail will not ask you for anything yet but information on where to remit the prize money. As you show your interest in the prize money, the 2nd or 3rd letter or e-mail will then ask you to transmit through Western Union an amount of money as either agent's fee or tax payment before your winnings will be remitted to your bank.

Getting involved into this kind of scam could prove messy. In instances where you are asked to deposit a check or money order to you bank and you have to send or remit back to an unknown account a lesser amount, you will end up paying the full amount of the money you send only to learn later that the check you deposited in your own account bounced or is fake.

The best thing to do when you receive a letter with the announcement that you win in a lottery you did not enter is simply to toss the letter. If the announcement comes in the form of an e-mail, just delete it. Or, you can forward it to agencies such as osalotteries.net/scamwatch which monitor and update the public on most recent lottery scams.

If you want your lottery dreams to come true, you must do something about it. Go to legitimate lottery service providers to purchase your lottery tickets or sign up for a subscription. Only then can you start dreaming big.

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