“Oh, it's not difficult to deceive me, I myself am glad to be deceived,” the poet exclaims. Unfortunately, fraud is developing at an incredible rate today. It is impossible to describe all types of deception that are known today. Such an essay will draw on a rather impressive multivolume. Nevertheless, having analyzed all types of fraud, one can conclude that the main fraudster is the state. One way or another, directly or indirectly (allowing gaps in the legislation), the state participates in various types of fraud or, as the Criminal Code interprets this act, in “stealing someone else’s property, acquiring the right to someone else’s property through deception or abuse of trust”.
The property
Fraud in the real estate market is a question no less acute today than the notorious "housing issue" itself, it is this type of fraud that is most widespread and least punishable. The number of equity holders who are dissatisfied with construction partners is growing every day, and the practice of law enforcement cannot please with special achievements.
One of the most common types of fraud is buying an apartment on credit.
For example, a certain citizen X saw an advertisement that told about the possibility of buying an apartment on credit, with installments. This service was offered by a community of companies with a good reputation and H., without thinking twice, sold his apartment in another less attractive settlement and turned to one of the companies.
He was immediately found an apartment worth US $ 50,000 and was initially offered to pay half the price. A. agreed, assuming that the company would add its own money to his amount and pay the seller of the apartment.
But everything turned out to be not so simple. At first, instead of signing a sale and purchase agreement, he was offered to draw up a loan agreement with a shell bank. A. obediently entered into a loan agreement with the bank for 2 years, and he actually did not receive money. Then he deposited the agreed half of the amount. This was described in the contract as the return of a part of the loan, as it were, received by him, and then, over the remaining two years, he must pay the remaining amount and interest for using it. So The $ 25,000 was used not as a payment for the purchase of an apartment, but as a return of part of the loan. Instead of receiving a loan, X. turned out to be a debtor before becoming the owner of an apartment. Meanwhile, right after the money was credited to the bank, the owner of the apartment was not our hero, but one of the companies of the above-named community. She only offered H. to conclude a lease agreement "with the option of purchase." He thuswas left without rights to an apartment, but with obligations: to the company as a tenant and to the bank as a debtor. Everyone except the client won.
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As a result, X did not have enough money to pay off all of his newly acquired obligations. At the same time, he is not listed as the buyer of the apartment under any of the contracts. Having given away $ 30,000, H. was left without not only without an apartment and without money, but also with colossal debts. An attempt was made to register in a new apartment ended in failure. Moreover, the companies that had defrauded the client were so outraged by this attempt that they informed the latter that they would turn to the internal affairs bodies with a "request to stop such fraudulent actions."
Labor market
The schemes of these frauds, in general, have long been known, but gullible citizens nevertheless become victims of such fraud with manic persistence. Useful advice: if you (for a small remuneration on your part) are offered manna from heaven and plus a decent salary in foreign currency, do not rush to meet such an employer. Most likely, it is in this case that you will never find a job, and your budget may suffer significantly.
For example, everyone has a long-known, but unfading business with the loud name "network marketing with the obligatory purchase of a distributed product." The essence and method of fooling those who want to get down to work as soon as possible are very primitive: to begin with, a long presentation is held, where they enthusiastically talk about the fabulous properties of any trinket. Then the newly minted workers are invited to buy this wonderful trinket, for example, for $ 150, and get in addition brochures with which you can fool others. If the "processed" will doubt, it is recommended to resolutely drag them to the presentation, where, if the company is successful, you will be unfastened a percentage. The whole scheme is an example of a simple recruitment of salesmen using the Herbalife scheme.
Or an example of cheap use of labor. An advertisement is given in the newspaper about the admission of no job on a competitive basis, for example, a secretary or operator. A lot of contestants come and casting begins with the appointment of each of the vending trial periods. During the probationary period, they are given tasks, they do the work, and this lasts about a month, after which the chief informs that they do not pass the competition and take a new one in its place. There is a staff turnover. The firm does not spend a penny on staff. In the best case, they pay the minimum wage. It's so easy and simple to provide an office with free labor.
Currency market
The currency exchange market is a playground for scammers. The number of citizens affected by this simple operation is growing exponentially. Moreover, scammers come up with more and more new moves.
Taught by the bitter experience of exchanging currency with hands, those who want to exchange hard-earned greens for a solid wooden ruble, like the plague, shy away from strong and confident young men at the entrance to the currency exchange office. As practice shows, this is the only correct style of behavior. These masters of life are simply deceiving lop-eared people. And the method, to the envy of Ostap Bender, is very simple, but not devoid of a solid scientific basis, knowledge of philistine psychology. They benefit from our eternal haste and dislike of queues.
You suddenly need to urgently exchange money. But the presence of brothers in misfortune, languishing at the exchange window, threatens to turn into a long wait, which you do not expect at all. And here the "bankers" from the sunny Caucasus cordially offer an exchange. And a more profitable rate: not 29 with kopecks, but exactly 30 rubles. Even if the benefits are ridiculous, the human greed and the time factor exerts its effect.
Now about the technology of exchange turned into deception. Everything is extremely simple. The main thing is to act not alone, but in a team of 2-3 people: after all, someone must distract the victim's attention at a crucial moment. So, two fellows find out that you, for example, have 60 dollars. To which the third, who was on the sidelines, mutters something in his own way. Having given the cherished bucks to the main money changer (he is on the sidelines, and this is no accident!), You receive the amount in hundredths and, having counted, you find that one bill is missing. Not wanting such damage, declare it. They take a pack from you, also count it, return it and immediately add the missing hundred. You, happy and satisfied, retire home, where you find that you have received 1,300 instead of 1,800. The moral is this: if you don’t want to donate 100 rubles, you will lose half a thousand!
Now tell me, dear reader, would you recount again if your money was returned to you in front of your eyes? And you're in a hurry! I think only the most meticulous and boring are capable of this. The calculation is based on this. And sleight of hand.
Lotoreya
31 percent of survey participants believe that the most common type of fraud and the least punishable is any lottery. Regardless of the scope and organizer - from the emcheesny "Bingo", "Russian Lotto" to the banal "scam".
It is believed that registering a lottery is very difficult. Real profit from the lottery, subject to legality, does not exceed 10%. Nevertheless, there are people who go for it. But what abuse is possible! For example: all winning tickets, according to an agreement with the manufacturer, are sent in a separate box and distributed in a narrow circle of limited people.
Elections
Another fraud is elections. Many naive townspeople are going to go to the polls, not even suspecting that everything has long been decided for them.
There is such an anecdote. A man and a woman find themselves on an uninhabited island and, after some time, they hold a referendum on the question "should the island's abodes sleep together?" Having learned the results of the vote, the man was surprised: “There are only two of us on the island. Okay, let me fill out two negative ballots. But where did the 11 pros come from ?! " The method of deceiving voters in elections is diverse and sometimes witty. But more on that next time.
