The victim of a scam? What do I do
You have or suspect you being scammed? What to do in this situation? What to do when you're a victim of fraud, a scam, a scam or a fraud? Is what chance there to recover the lost money? Who to contact and what steps to perform? The victim, whether an individual or a company is sometimes distraught.
Sommaire
- 1 Namely. diddle/scam/flights/breach of trust
- 1.0.1 Scam
- 1.0.2 use
- 1.0.3 see more information
- 1.0.4 sources
- 1.0.5 Diddle
- 1.0.6 Breach of trust
- 1.0.7 Money laundering
- 1.0.8
- 1.0.9 Risks for participating in a ponzi pyramid
- 1.0.10
- 1.0.11
- 1.0.12 More you you are engaged in illegal activity, the pyramids of ponzis:
- 1.0.13 and for those who have forgotten to declare winnings, you can be charged with tax fraud
- 1.0.14 Reminder: an intermediary not authorized is exposed to criminal penalties.
- 1.0.15 Other risks you can suffer by taking part in a scam
- 1.0.16 Reminder of caution l´AMF published March 12, 2014
- 1.1 France
- 2 Have you been a victim?
- 2.1 In France
- 2.2 In Belgium
- 2.3 In canada
- 2.3.1 Fraud and you: what to do if you become a victim
- 2.3.1.1 Limit the damage
- 2.3.1.2 If you have been tricked and that you have signed a contract or bought a product or service
- 2.3.1.3 If you believe that someone has had access to your banking data or data from your online credit card or on the phone
- 2.3.1.4 If the fraud is related to your health
- 2.3.1.5 If you have sent money to someone who might be a fraudster
- 2.3.1.6 If you've been duped by a direct seller
- 2.3.1.7 If you have been victim of a fraud
- 2.3.1.8 If the fraud was committed with your cell phone
- 2.3.2 Get help and report fraud
- 2.3.3 Partager :
- 2.3.1 Fraud and you: what to do if you become a victim
1 reflex, check that it is a scam.
For this see the list of scams as well as the guide to see protect scams, if indeed your grave inside scam then proceed to the next step.
France
Check the AMF permissions or if the company is known
Savings Info Service"will answer your questions on savings products, the stock market or the role of the AMF. 01 53 45 62 00 * (price of a local call).
Canada
AMF canada https://www.lautorite.qc.ca/fr/parler-agent-info.html#
Namely. diddle/scam/flights/breach of trust
Scam
The scam is getting a property or money by a corrupt: false documents, lie… Internet scams are also suppressed.
Case of scams
There is scam when only one person getting back property, money or done a service by using deception. The victim gives his or her money voluntarily.
Deception may include:
- on the name (use of a false identity),
- on the quality (by pretending to be owner or insurer, for example).
- on a false document (a fake degree for example).
The insurance fraud (excuse the theft of his laptop while he's lost) is considered to be a scam.
Called to the Nigerian fraud is a form of fraud committed over the internet. The scammer contacts his victims by mail and asked to pay fees for alleged transfer of funds from abroad. In Exchange, the scammer promises to donate a share of the funds transferred. In the end, the transfer does not take place and the scammer keeps the money of the so-called fees paid by the victim.
Difference with theft and breach of trust
The scam is different from the flight. There is no voluntary discount during a flight.
The scam is different from the breach of trust. In a scam, the transaction is fraudulent from the outset. In a breach of trust, the perpetrator has received the goods or the money legally and turned it then.
For example, a tutor who diverted money from the person under guardianship commits a breach of trust because it has a legal right to manage money for a specific purpose. He then diverted this right to his own advantage.
Conversely, if a person is impersonating the guardian of a person to withdraw money from the Bank, he commits a fraud because he didn't have the right to manage that money.
Leave without pay for a restaurant or a gas station is neither a theft nor a scam but a diddle.
use
Opposition banking
Once the scam is known, should limit the immediate consequences by blocking, if possible, the means of payment used:
- credit card blocking,
- opposition to the cheques,
- suspension of transfers or withdrawals,
Filing of complaint
The victim has a 3-year period to file a complaint.
This period starts from the day where the property was handed to the scammer (or from the last payment, if delivery is being phased in time).
If the victim is in a State of weakness, the period begins from the day it is in condition to appear before justice.
Note:
the victim may also use, in addition to his efforts, the teleservice of reporting (in the case of fraud on the internet or by e-mail) or contact "Info scams" by phone (in case of scam off the internet).
Compensation
In addition to a prison sentence, the offender may be ordered to pay damages to his victim.
The scam is punishable:
- 5 years imprisonment
- and €375 000 fine.
The maximum sentences go to 7 years in prison and €750 000 fine in cases:
- spoofing the identity of a public official.
- a false collection to a charitable organization,.
- or abuse of weakness.
If fraud was committed in organised gang, the maximum penalties are 10 years in prison and €1,000,000 fine.
The attempted fraud is punished the same penalties. For example, if a person is posing for an insurer but fails to get the money from his victims.
see more information
- Police station
- Gendarmerie brigade
- Lawyer
sources
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Penal code: 313-1-313-3 articles
Penalties in the event of fraud
Diddle
Conditions relating to the facts
The diddle is an offence committed by a person leaving without paying and after having consumed or used its services:
- a taxi
- a hotel, if the stay is less than 10 days
- a restaurant or Café,
- or a gas station.
The diddle is also known as shoplifting or stealing.
To be convicted, the author must:
- know that he is unable to pay or be deliberately committed to not pay,
- and pretend to be willing to pay.
Difference with theft and fraud
The diddle is distinguished from the flight because it does not apply to stores food or clothes, for example.
The diddle is close to the scam but the latter is more severely punished and concerns more serious facts. For example, if a person is impersonating a police officer to "commandeer" gasoline.
The offender risk:
- 6 months in prison,
- and 7 €500 fine
It can also be ordered to pay the victim by paying damages.
sources
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Penal code: 313 – 5 to 313-6-2 articles
Penalty for diddle
Breach of trust
Breach of trust is characterized by having property belonging to others contrary to what was agreed with its owner.
There is breach of trust when someone appropriates one that handed him his victim, owner. This property can be a sum of money, a commodity, an effect of trade (banking or commercial such as cheque, treaty text). This is also the case for computer data. For example, if a salesperson takes a customer his company file for use in his new job.
To prove breach of trust, he must first demonstrate:
- that (as opposed to the flight) the good has been given at the end of a written or verbal agreement explicitly between the victim and the perpetrator of the breach of trust.
- that well was diverted (used in ways other than what had been agreed), was dispelled (given, sold) or has not been made on time.
It must also demonstrate that the author of breach of trust had acted knowingly (knowing that he seriously contravene the original agreement).
However, it is not necessary to establish that the initial agreement upon delivery of the goods was vitiated from the outset by a lie or a deception. This differentiates the breach of trust of the scam.
Breach of confidence is punishable by 3 years ' imprisonment and €375 000 fine.
Sentences can be exacerbated, especially if the author of the abuse turned:
- goods resulting from an appeal to the generosity of the public,
- a particularly vulnerable person's property or
The breach of trust between spouses or between children and parents is likely to no prosecutions, unless are in sets of documents or essential to daily life objects (for example, a map identity or means of payment).
Namely:
the attempt to breach of trust is not punished.
The victim may file a complaint for breach of trust in order to obtain compensation for the damage.
The repair is equivalent to the amount of the price of the good diverted, to which may be added compensation intended to cover:
- the amount of the costs incurred for trial,
- the costs incurred by the deprivation of the object,
- the moral prejudice.
The request must be made within a period of 3 years from the day where the person concerned has the elements to find the misappropriation or dissipation of assets.
sources
Money laundering
Money laundering is to conceal funds from illegal sources (drug trafficking, theft, fraud (including pyramid selling), selling weapons, robbery, fraud,…) by reinvesting them in legal activities (real estate, restaurants, etc.). IT
The goal of the author of money laundering is to facilitate the false proof of origin of these are the authorities. In practice, laundering "dirty money" may appear in the form of different mechanisms, as for example the issuing of false invoices between several shell companies.
Sanctions
In France, the money laundering is punishable by article 324-1 of the penal Code which provides for a sentence of 5 years in prison and 375 000 euros in fines. This sanction may be aggravated in some cases. The penalty is for example increased to 10 years imprisonment and 750000 euros fine in two cases: when the money laundering is committed habitually or using the facilities provided by the exercise of a professional activity and when committed in organised gang. For a complete point on penalties, see the articles of the penal Code to simple laundering and aggravated laundering.
Risks for participating in a ponzi pyramid
In addition to losing your money? A lot.
Look at the difference with good sites in my investments such as topic: credit.fr, bolden, Lendix, pretup
You can be accused of swindling
The attempt to win money from abnormal and easy way, in particular allowing themselves to manipulate (social engineering), eventually lead to getting you ripped off (419 fraud…), doesn't make you a victim but an accomplice. No one can rely on its own turpitude.
In a very good documentary video of the 05.02.2013 – facing the Internet mafia, there is, among other things, an interview of a woman sentenced for complicity active money laundering after being trapped in a social engineering operation.
In addition, the pyramid (process said the "snowball" or the "silver chain") is prohibited in France since 1953 (Article L 122-6 of the Code of consumption 1 ° and 2 ° paragraphs). This text has been completed by an act of 1 February 1995 ((3) and (4) paragraphs) which specifies the prohibitions on sales networks. Since then, a company that would not comply with this regulation and would have illegal practices would be doomed.
According to French law, "is prohibited for a person to collect memberships or sign up on a list requiring her payment of any consideration and in him bringing financial gains resulting from a geometric progression in the number of people recruited or registered" (art.) L. 122-6 and art. L. 122-7 of the code of consumption) and "this ban comes with fines or prison sentences. »
The Correctional Court in Albertville for example sentenced to sentences of four to ten months in prison suspended 33 Savoyards who participated in a money game akin to a Ponzi pyramid, we learned with the Prosecutor's office.
These sentences for fraud, were matched in fines between 4,500 and 20,000 euros. Four other defendants received simple fines.
Punishment of the crime of fraud
First of all, it should be recalled that the prescription of the scam is acquired after a period of three years from the day of delivery of the coveted thing.
The maximum penalties for fraud are:
-For individuals: 5 years imprisonment, €375,000 fine and ban or confiscation of certain rights.
-For legal persons: €1.875.000 fine as well as the penalties provided for in article 131-39 of the criminal code.
The attempt is punishable by the same penalties.
Sentences are brought to seven years in prison and €750,000 fine when the scam is carried out:
-By one depositary authority public or responsible for a public service mission, in the exercise or on the occasion of the exercise of its functions or its mission (article 313-2-(1) of the penal code);
-By a person who takes the quality of a person unduly custodian of the public or charged with a mission of public service Authority (article 313-2-(2) of the penal code);
-By a person who appeals to the public to the issue of securities or for fundraising to support humanitarian or social purposes (article 313-2-(3) of the penal code);
-To the detriment of a person whose particular vulnerability, due to age, illness, infirmity, physical or mental disability or to a pregnancy, is apparent or known of its author (article 313-2-(3) of the penal code).
Sentences are brought to 10 years in prison and €1,000,000 fine when fraud is committed in organised gang.
This want to say that if sponsor you a person you are liable of the unties d´escroquerie is in organised gang, if is of money laundering.
Custody can be extended "in exceptional circumstances" up to 96 hours, a search conducted outside the legal hours (after 9 pm and before 6 a.m.), telephone tapping, or video recordings made without the knowledge of those concerned.
You can be accused of money laundering
Money laundering is to conceal funds from illegal sources (drug trafficking, theft, fraud (including pyramid selling), selling weapons, robbery, fraud,…) by reinvesting them in legal activities (real estate, restaurants, etc.). IT
The goal of the author of money laundering is to facilitate the false proof of origin of these are the authorities. In practice, laundering "dirty money" may appear in the form of different mechanisms, as for example the issuing of false invoices between several shell companies.
Sanctions
In France, the money laundering is punishable by article 324-1 of the penal Code which provides for a sentence of 5 years in prison and 375 000 euros in fines. This sanction may be aggravated in some cases. The penalty is for example increased to 10 years imprisonment and 750000 euros fine in two cases: when the money laundering is committed habitually or using the facilities provided by the exercise of a professional activity and when committed in organised gang. For a complete point on penalties, see the articles of the penal Code to simple laundering and aggravated laundering.
More you you are engaged in illegal activity, the pyramids of ponzis:
French, by article L122-6 of the Code of consumption, illegal pyramid schemes because it prohibited: the breach of this prohibition is, at the end of article L122-7 of the same code, sanctioned criminally a maximum fine of 4,500 euros and/or an imprisonment of one year. The offender may be, in addition, sentenced to reimburse those customers who have not been able to be met, the sums paid by them.
Among the most famous simple pyramid schemes, are channels donations (you're invited to make a donation and to rotate the chain), or even systems of Cavalry (financing in which the capital of the new entrants is used to pay interest to earlier investors).
Famous cases
Ponzi scheme: died in misery
Madoff: sentenced to 150 years in prison
Get easy, 300 000 vistimes sponsors continued see http://geteasy-way.eu/#new50 also http://www.lefigaro.fr/argent/2015/04/22/05010-20150422ARTFIG00140-une-arnaque-aux-investisseurs-fait-plusieurs-dizaines-de-milliers-de-victimes-en-france.php and http://www.tahiti-infos.com/Arnaque-internationale-Get-Easy-une-centaine-de-victimes-en-Polynesie_a120868.html
Other pyramids: prison for participating http://www.liberation.fr/societe/2014/02/03/prison-avec-sursis-pour-avoir-participe-a-une-pyramide-de-ponzi_977529
The largest history 21/02/2016 nearly 1 million Chinese were victims of a financial scam on a platform of loans between individuals for 7.6 billion. http://www.latribune.fr/Economie/international/chine-une-chaine-de-Ponzi-a-7-6-milliards-de-dollars-Mise-au-jour-547524.html
and for those who have forgotten to declare winnings, you can be charged with tax fraud
Tax fraud is to escape or attempt to escape the tax by any means. The author of tax evasion may be tax and criminal sanctions. The fact of concealing income or taxable property exposes you to tax penalties. Answer the subsequent questions and answers displayed automatically you are the author of a tax fraud if you deliberately use some methods to escape or attempt to escape, partly or completely, to the tax. As such, are especially considered fraudulent behavior:
- an omission deliberate Declaration,
- a voluntary concealment of assets or income subject to the tax,
- the Organization of its insolvency,
- more generally, any maneuver aimed to impede the collection of taxes.
If the IRS detects fraudulent behaviour, it can bring criminal charges after the opinion of the Committee on tax offences. Regardless of the tax penalties, the author of evasion incurs:
- €500,000 fine
- and 5 years imprisonment.
These sentences are brought to €2 000 000 fine and 7 years imprisonment when the acts were committed in organised gang or thanks to:
- opening of accounts or to purchase contracts with overseas organizations.
- the interposition of persons or organizations abroad, screen
- the use of a false identity of false documents (or any other tampering),
- a postal address or a fictitious or artificial act abroad.
Note: I think that report earnings in taxes does not make legal money as long.
If we declare our gains to the tax collectors we are alone or not?
Difficult question, only rate tax I think, not to score illegal gains… it's a bit like in this http://www.blogactualite.org/2013/11/doit-on-imposer-les-revenus-illicites.html story basically the person has been removing all of what he has earned, because it's illegal + taxes (with penalties), because it is not declared.
"The imposition does not recognition of the activity, but simply the existence of income, without to legitimize it. If the State for example introduced a specific tax, or even the VAT on the sale of such illicit products, ambiguity consigns to hypocrisy, but this isn't the case. "I have no idea if it is still valid, but I guess…
Otherwise there has also been a case which was considered as for money laundering, because he tried to recycle an illegal gain… In short a real headache
If the company does not have the permissions to sell financial products. Even if she says that these are not financial products, is not to define if it is or not.
Other risks you can suffer by taking part in a scam
You also lose your job (Yes your boss does not keep a known crook) and as there is a folder in the criminal, many professions are prohibited.
More with a hole of 10 year on the CV (prison), it will be difficult to find a job.
Remember that it is the loser of the trial that pays lawyers for the winner (see http://www.cidj.com/frais-de-justice-qui-paie-quoi/fin-d-un-proces-qui-paie-les-avocats-et-autres-frais-non-compris-dans-les-depens)
- If you want that your opponent will refund these charges, it have your lawyer ask during the trial. Indeed, instead of spending, for which the judge is always, pronounced it consider the fees of justice if the lawyer requested expressly in respect of article 700 of the Code of civil procedure.
- If you are being sued before the criminal judge, you may be ordered to pay the victim lawyer and judicial officer that she had to hire to defend themselves (art.) 475-1 of the Code of criminal procedure).
Reminder of caution l´AMF published March 12, 2014
AMF cautions public against investment offers promising exceptional yields relying, visible or not, on the establishment of a system of recruitment, sponsorship or membership. Very attractive appearance, these offers dangle high gains that are unrealistic. They usually hide real scams allowing, in some cases, the laundering of money and in most cases, the loss of investment of departure for the investor.
This type of installation can take different forms: trading on the Forex market (via an unauthorized FOREX platform), or mail order of goods or services. The goal for these companies is to constantly recruit new members that are added to existing members. The last recruited bring new money by registering, which are partly donated to former members to earn and maintain their confidence: it's called a pyramid. Media and internet in particular, neighborhood, 'word of mouth': recruiting can be done in various ways.
The device lasts as long as new recruitments are possible. When it collapses, sometimes fairly quickly, members usually lose the entirety of their bet in favor, often the single initiator and his accomplices.
The AMF calls savers to the greater vigilance and invites them to:
- Do not respond to such offers and do not relay from third parties;
- In the event of fraud, victims must file complaints and provide all possible information to the competent judicial authorities (references money transfers, identified contacts, addresses, emails or emails, etc.).
In General, the AMF advises investors to follow the following rules before any investment:
- No commercial speech must forget that there is no investment offering high performance and safe;
- Inquire about the legality of the financial intermediary that offers the product by consulting the list of institutions that are allowed to operate in France (http://www.amf-france.org > high-speed access > savings products approved (GECO)). To ensure that the intermediary who offers products or financial services is allowed to operate in France, you can consult the list of authorized investment services (https://www.regafi.fr) providers or intermediaries allowed in the category list consultant investment financial (CIF) or (CIP) (https://www.orias.fr/search) equity investment consultant.
An intermediary not authorized is exposed to criminal penalties.
To answer the questions and queries of investors, the AMF provides its site internet http://www.amf-france.org or the savings Info service at 01 53 45 62 00 from Monday to Friday from 9 h to 17 h.
Institute for financial education of the public (IEFP) offers the investors a presentation of pyramid sales on its website: www.lafinancepourtous.com/Decryptages/Articles/Systeme-de-vente-pyramidale
To denounce (sponsors, proof of payment, site touting live Ponzis): https://www.internet-signalement.gouv.fr/
France
Have you been a victim?
In France
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Try mediation.
Forget it if you have been scammed by e-mail or on a porn site, it wouldn't matter because these scammers are just there to take your money. However mediation may be considered if you are in dispute with a recognized company like a merchant site or your ISP. These internet sites offer a customer service that can be useful to set a different settlement.
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Get your money from your bank
How do get me a refund? In the case of phishing or theft of banking data in general, the law protects you. First of all, as soon as possible make opposition on your credit card by calling the 08 92 705 705 (€0.34 / min). It is the interbank service for lost or stolen cards which is available 7 days a week. This will prevent any fraudulent charges.
Article L133-18 of the French monetary and financial code says: "in the case of an unauthorised payment transaction reported by the user under the conditions provided for in article L. 133 – 24, the payer's payment service provider immediately refund to the payer the amount of the unauthorized transaction and, where applicable, restores the debited account to the State where he would have been if the unauthorised payment transaction had not taken place.» The payer and his payment service provider may decide contractually complementary compensation. "
The Bank has to refund you immediately!
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Carry out the appropriate administrative procedures
Always in the case of phishing or theft of banking data, it is important for you to file a complaint. So your case will be known to the Police services and will guard against any complications as a result of the scam that you have incurred. Indeed the crooks could take advantage of the data they have to multiply their misdeeds. By lodging a complaint, you show the police that you are a victim and that you suffer the consequences.
On the other hand, it is true that if the crooks are on the other side of the world, there is little chance that the police of our country to succeed to put an end to their actions…
If you are in dispute with a merchant site, you can contact the Department of the protection of populations (DDPP) or Department of social cohesion and the protection of the population (DDCSPP) of the place of the Head Office of the company with whom you have a dispute.
Alternatively, you can file an appeal by contacting the Tribunal to close in your area. The local judge knows civil disputes of the daily life of a limited amount at 4000 euros, and statue on the small infringements against the rules of life in society.
Here I said that I didn't repeat the info on the site http://geteasy-way.eu/#som16 because I am not a lawyer.
Clearly a lawyer and try to regulare alone is almost laughable if these companies are has dubai or other exotic countries. Lawyers ' fees are so exorbitant that you have no chance (it's done on purpose).
So far the best I've found is ask the AMF and keep the tracks.
I also find this but I don't know what the real qualities of the file
http://optionsbinaires.forumactif.com/t124-CE-Qu-il-faut-faire-en-cas-d-escroquerie
There is no need to give your file a no lawyer in this area, as reportedly, on the one hand it never came (investigations internationally against invisible, often rather extraditables) and on the other hand it is very expensive.
A – 13 – a caveat for your Crooks, do not hesitate to send them this link to make them think: http://www.courstorah.com/option-binaire—stop-arnaque.html
(B) RECOVERY OF FUNDS
B – 1 – if you have given your credit card numbers, contact your bank to appeal and request a renewal of card or contact the 0892 705 705 which is the interbank server for implementing in opposition of bank cards.
Clear that it is as a result of a scam/fraud (unintentional on your part) to avoid opposition/renewal charges.
For payments on the internet I recommend to use a blue E-card (single-use). Ask information about your bank.
B – 2 to claim the amounts paid with your credit card without your permission, the filing of complaint to your bank is not mandatory, the texts are clear, you have up to 13 months to claim the restitution of payments not authorized or poorly executed without delay. (For the Belgium you have only 3 months).
This is not applicable for transfers because you gave every time an authorization, either by signature on the receipt to the counter at the Bank or from the website of your bank which record your request.
4 possible case:
-The amount charged corresponds to the agreed amount the refund is not possible (except any commercial gesture of your bank).
-The amount charged is different than the amount on which you have authorized payment the refund of the difference needs to be done.
-Payments have been made without your knowledge the refund must be made
-You have given your credit card so that you credits you your account but instead it is a flow that has been done the refund has to be done.
Whatever the case you can ask me the letter template. Otherwise FYI here is what can be found on the net:
Letter template:
http://droit-finances.commentcamarche.NET/FAQ/3213-Modele-de-lettre-carte-bancaire-debits-frauduleux
Add to this letter evidence of sample (copy of your statement of account). Complaint is not mandatory.
The associated text:
http://www.legifrance.gouv.fr/affichCodeArticle.do?idArticle=LEGIARTI000022438732&cidTexte=LEGITEXT000006072026&dateTexte=20120330
Other interesting text:
http://www.legifrance.gouv.fr/affichCodeArticle.do?cidTexte=LEGITEXT000006072026&idArticle=LEGIARTI000006645636&dateTexte=&categorieLien=CID
B – 3 – the most important element of your file is the drafting of the conduct of the scam that you have been a victim. Write with maximum detail the entire course of the scam, from the first minute to the last without neglect nothing. Example: "I've been approached by phone on 28/11/2013 at 14:10 by Mr Jean Lesvêque of the AGF Markets company for a financial investment, informs me that the conversation is being recorded…".
The beginning of the description already indicates 4 arguments of scam.
1 – the canvassing is prohibited
2 – the alias which is his only reason for fraud (identity theft)
3 – the name of the present broker in the blacklist of the AMF (this indicates that there are already several complaints against this broker, that it is not regulated and that there are bans on french territory).
4 – The recording of conversation is prohibited without your permission. On the other hand, if you have a smartphone or Iphone and communication with your broker isn't broken yet, I urge you to phone records (in your sense this poses no problem you are likely to be sued).
B 4 – check the terms of your credit contract to see if you have insurance "credit card fraud" and possibly fraud on the transfers.
Send to your bank a file to declare the disaster which will consist of the filing of the complaint and the same evidence used during the filing of complaint (see chapter C-1). Some contract also included psychological support if needed. Check if you have legal protection (for possible support of lawyers ' fees).
B – 5 in the folder for your bank, ask the Bank that received transfers (interbank approach) a request for repatriation of funds (charge back). In rare cases it worked, everything depends on the will of your bank, the passage of time, the location of the "opposing" Bank and the availability of funds.
B – 6 – do the same with your home insurance. See your insurance contract and check for the case of fraud/scam. Send claim constituted the same elements as the Bank. Attention usually contracts indicate a reporting deadline from the point where you realized the sinister (example 2 months). Beware this period begins from the time the fraud is proven, generally take the date of the filing of the complaint. Check if you have legal protection, it will be used for a civil proceedings, not to the criminal. Insurance of Bank and insurance contracts often indicate the cases of scam or fraud, but there is often a disclaimer from financial investments…
B – 7 – following your filing of complaint, you can make a claim (max. € 4500) with the C.I.V.I (victims of crime compensation Board) up to 3 years after the scam if you meet 3 criteria: the amount of your monthly income is not more than €1100, you are unable to obtain full or enough of your injury compensation and the facts which you have been a victim resulted in your life of serious disorders (materials or psychological).
See this link:
http://www.Vos-droits.Justice.gouv.fr/indemnisation-du-prejudice-11940/indemnisation-par-le-Tribunal-11949/la-Commission-dindemnisation-des-victimes-dinfraction-20242.html
B – 8 – to make a claim (max. 3000) to SARVI (Fund of guaranteed) there are 2 conditions: get a final criminal justice decision granting damages and not be able to be compensated to the compensation of victims of crime (CIVI) Commissions.
More info at:
http://www.Justice.gouv.fr/aide-aux-victimes-10044/service-daide-au-recouvrement-des-victimes-sarvi-23425.html
(C) INDIVIDUAL LEGAL ACTIONS
C – 1 – if you there is a financial Brigade, make an appointment to file a complaint for fraud (code Natinf 7875). Most often the brigades of Gendarmerie and Police stations unfamiliar with this network of scam and think seeing you arrive that you played on the stock market, you have lost everything and you just complain. You can ask me a synthesis I made on purpose to explain the situation to the police officers, Gendarmes and journalists.
You have a period of 3 years from the last payment to the scammers.
Do see the scam bringing:
-The detailed description of the facts (see B-3)
-Copies your account screen in line with the history of the movement
-A copy of the blacklist of the AMF in order to show that this site is outside the law because not regulated, not the right to canvass the french citizens and to exercise this activity in the territory.
==> Black list of the sites of binary options from 13/05/2015:
http://www.AMF-France.org/actualites/Communiques-de-Presse/AMF/Annee-2015.html?docid=workspace%3A%2f%2FSpacesStore%2F4934a9da-d8a2-466c-b98d-0e7be76788c3
==> On 07/05/2015 forex sites blacklist:
http://www.AMF-France.org/actualites/Communiques-de-Presse/AMF/Annee-2015.html?docid=workspace%3A%2f%2FSpacesStore%2F1f43409a-618b-400d-aaf7-9c9b3436c522
-Evidence of transfer and/or sampling, receipts and bank transfer receipts, identified account (some duplicates may be requested from your bank)
-Possibly the contract of mandate of management if you have a.
-A copy of your request by email to return your funds (no response after a week). Beware, there is often in terms of brokers a clause indicating that if ask you for "closing" your account, your account will be closed without return of funds! So be careful not to use that term.
-Exchanging Email with your Trader showing their bad faith or non compliance with their commitments.
-In case of manipulation of the broker platform, make a screenshot to see the inconsistency.
C – 2 – ask the officer to indicate in the complaint that an international investigation is underway by the Paris Prosecutor's Office (TGI Pole financial 5-7 the Italians 75009 PARIS Street) for the Attorney of your Department does not classify the complaint immediately and makes the transfer of your complaint to the right place.
C 3 – ask the officer who took your statement to claim back actively from the "opposing" Bank funds. As in B – 5, in a few cases this has worked, everything depends on the level of knowledge of officer in this area of his will, the passage of time, the location of the "opposing" Bank and the availability of funds.
C – 4 for people who file complaint in a Brigade of Gendarmerie or Police station, you can make a pre-plainte by internet. You will then receive a summons to validate with the Agent. This solution also allows to select the Brigade of your choice:
https://www.pre-plainte-en-ligne.gouv.fr
C – 5 – it happens (for various reasons) that you did not go to the police station to file complaint, you can then wear complaint directly by recommended letter with acknowledgement of receipt to the investigative judge of the High Court in Paris (article 40 paragraph 1 of the Code of criminal procedure). Join this mail all the proof as in C – 1. Go to this site to achieve this mail:
http://www.porterplainteenligne.fr/lettre-plainte.php
C – 6 – once you have your complaint in hand he must accompany him mail from civil party whose model is here: www.fbls.net/recourspenaux1.htm
and send it by registered letter with AR to this address:
High Court of Paris
TGI financial Pole
5-7 Street Italians
75009 PARIS
C – 7 – in addition to your complaint, I advise you to report the scam on:
www.Internet-signalement.gouv.fr
Press "Report", "Next step", check the box to indicate that this is not an application to intervene immediately and then "next step", "Scam"… In the description, mention your complaint number (C-1) allows to centralize your complaint.
This reporting is done in addition to the filing of complaint in order to achieve the consolidation of the complaint at the national level (otherwise the complaints remain at the departmental level and are often closed without). At the end of the report, keep the registration number that you will add in your folders set up in B-4 and B – 6.
In Belgium
Each year, 16,000 complaints reach the FPS economy is 40 per day. At the same time, other public services and the police receive a significant number of reports relating to other types of scams that relate, for example, food products, medicines, telecommunications or finance.
A central point of contact
It is for this reason that the "pointdecontact.belgique.be" was born. Here, several administrations and services are working together to better guide the complainants, individuals or companies. It's the FPS economy, of the FASFC (Federal Agency for the safety of the food chain), of the Famhp (Federal Agency for medicines and health products), FPS finance, of the Commission of ethics for telecommunications, of the SIRS (social research and information Service) and the police.
This contact point is an online platform where consumers and businesses can report fraud, deceit, scams or scams of which they are victims. The platform can be reached through https://pointdecontact.belgique.be/meldpunt/. Individuals and businesses are invited to answer concrete questions to describe the facts of which they are victims. They then receive a response containing a notice and/or a reference to the competent body that can help.
In principle, the contact point does not solve the problem of the victim but explain the procedure and the instance to contact for repair. However, the competent authorities analyses complaints of victims and have the power to initiate an investigation if necessary.
False invoices, fraudulent emails, canvassing…
The site is designed to guide the victim and help formulate his complaint. Various types of scams are described and can be selected by the victim to help him in his approach: trap of the hidden subscription, telephone canvassing, show tickets not received, tacit renewal of contract, unsolicited emails, fraudulent work, moonlighting, sales by phone, problems of commercial guarantee, false invoices, incorrect price display, etc.
The service is initially designed for access via internet. However, consumers and businesses can also contact the economic inspection by mail or at the toll free number 0800/120 33.
In canada
Fraud and you: what to do if you become a victim
Canadian authorities are not always able to intervene in cases of fraud, even if the fraudsters seem to have broken the law.
Limit the damage
Although it may be difficult to recover the money lost through fraud, there are steps to take to limit the damage and protect a new fraud. You act quickly, the better you will be able to limit your losses.
Report fraud. By reporting fraud to the authorities, the latter will be able to warn the population and reduce the risk that fraud take the scale. You must also inform all your friends and family. You will find information on how to report a fraud at the end of this publication.
If you have been tricked and that you have signed a contract or bought a product or service
Contact your office of information to provincial or territorial consumer and ask for objective advice to evaluate your options: you have perhaps a period of withdrawal, or you could also negotiate a refund.
If you believe that someone has had access to your banking data or data from your online credit card or on the phone
Contact your financial institution immediately so that this last freeze your account, in order to limit potential losses. The credit card companies may also perform a "refund" (reversing the transaction) if they consider that your credit card has been used fraudulently.
Do not use contact information contained in emails or on websites of questionable appearance: they are probably false and can lead you right to the fraudster. You can find the real coordinates of the institution sought in the phonebook, on a statement or on the back of your ATM card.
Stop taking pills or other substances on which you have doubts. Consult a doctor or other health professional as soon as you can. Describe the treatment sold by the fraudster (bring medicines, as well as their packaging). Also tell the doctor if you have stopped treatment for this medication.
If you have sent money to someone who might be a fraudster
If you sent your credit card data, follow the instructions in the section above.
If you have transferred funds electronically (on the Internet), immediately contact your financial institution. If she has not yet processed the transfer, she may be able to cancel it.
If you send a check, contact your financial institution immediately. If the fraudster not yet cashed, your bank may be able to cancel it.
If you have transferred the money through a bank transfer (such as Western Union or Money Gram) service, contact the service immediately. If you're fast, it may be possible to block the transfer.
If you've been duped by a direct seller
You are perhaps protected by laws that guarantee consumers a period of withdrawal during which they may cancel an agreement or contract. Contact your information office to provincial or territorial consumers for advice on this subject.
If you have been victim of a fraud
If you were using your computer at the time of the fraud, it is possible that a virus or malware continues to infect your computer. Perform a complete check of your system using a reliable antivirus.
If you don't have protection (such as an antivirus and a firewall) software, an IT professional can help you choose a product that meets your needs.
Fraudsters may have access to your passwords. Change them to ensure your safety.
If the fraud was committed with your cell phone
Contact your service provider and explain the situation.
Get help and report fraud
Where you live and the type of fraud committed will determine who you should contact.
You can contact some government agencies or enforcement of the Act to the Canada if you believe you have discovered a fraud or that you've been duped by a fraudster. These organizations will be able to inform you or receive your complaint. This approach is not only useful for you, but it also allows to avoid any other innocent victims to get caught in the trap.
The Canada anti-fraud Centre
www.centreantifraude.ca
1-888-495-8501
The Competition Bureau's information centre
www.competitionbureau.GC.ca
1-800-348-5358
Local fraud
Contact your office of information to local consumers
Your local Consumer Affairs Office is best placed to investigate frauds that appear to come from your province or territory. You will find a list of provincial and territorial offices in the of the Canadian Consumer Handbook or on the Web site of the Office of consumption.
Financial and investment fraud
Contact the Canadian securities regulators
Financial fraud generally concerns offers of sale or promotions on products and services financial, as superannuation, funds managed placement, financial advice, insurance, credit and deposit accounts.
Investment, fraud is based on the purchase of shares, the sale of foreign currencies, the foreign investments, Ponzi or "high-yield" investment channels.
You can report a financial fraud or investment to the Canadian securities authorities or your local securities regulator.
www.Securities-Administrators.ca
Contact your bank or financial institution
In addition to reporting these frauds to the CAFC in the Canada, you should alert your bank or your financial institution about any questionable correspondence you receive about your accounts. These institutions will show you the steps to follow.
Be sure to dial the phone number listed in the telephone directory, on your statement or on the back of your bank or credit card.
Report fraud by spam and texting
Many frauds go through your email and text messages. Visit the www.fightspam.GC.ca for more information on the Canadian anti-spam law.
The fraudulent emails (or 'Phishing') in which you are asked personal information must be reported to the Bank, financial institution or organization (do not use an email address and do not dial a number provided in the e-mail you want to denounce).
Report a fraud, theft or other crimes
Contact the police
Many frauds that contravene the provisions on the protection of consumers (such as those applied by the Bureau of competition and other government agencies and law enforcement) may also contravene the provisions of the Criminal Code on fraud.
If you are a victim of fraud because a dishonest person walked you money, you should contact your local police station (especially if the sum is significant).
You must contact the police if you have been a victim or if a fraudster you threatened or assaulted.
You can also contact one of the following organizations:
Canadian Council of ethics offices, commercial www.ccbbb.ca
Revenue Canada – charities Agency
www.cra-arc.GC.ca
1-800-267-2384
Your local police service, credit card issuers, banks and the provincial records offices.
The credit reporting agencies can join an alert on your file that allows to notify lenders of a possible fraud:
Equifax: 1-800-465-7166
TransUnion: 1-866-525-0262
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