Jan
31
Identity Theft and Credit Card Fraud: What you Need to Know to Protect yourself
Filed Under Finance | Leave a Comment
Rick Churchill asked:
Once you learn about what the different types of identity theft are and what a criminal does with your information, it is easier to protect yourself from becoming an identity theft victim. Because credit card theft is the number one identity theft crime in America, this article will discuss what it is and talk about some ways to reduce the probability of becoming a victim.
Credit card fraud is the number one fraud committed by identity theft criminals and possibly one of the easiest crimes to commit. Credit card fraud is split into two categories with the first method being a thief who actually steals an existing credit card. This is by far the easier crime to commit and luckily is easier to catch. The other option the thief may use is to gain access to your personal information and open a new credit card account that the victim will know nothing about. Many times the thief will use an alternate address and phone number so the victim never sees a bill and will not be aware of a problem until it is too late. There are steps you can take to prevent this type of fraud.
To prevent a thief from stealing your existing credit card you should cancel any credit cards you don’t need or use, pay close attention to your monthly bills, and above all else contact your financial institution immediately if you fail to receive your monthly billing statement. If a thief opens a new credit card account with your social security number it is harder to catch but there are steps you can take to prevent this from happening as well. Number one is the contact the Credit Reporting Agencies and request that no new lines of credit be approved without first seeking your approval. You should also request to be removed from any pre-screened credit offer mailing lists as thieves can steal such offers out of your mailbox or trash.
You should also take advantage of the fact that you can access your credit history twice a year for free to check for any fraudulent activity. For any accounts that have been fraudulently accessed or opened, contact the security departments of the appropriate financial institution immediately. Finally, if you are making purchases online you should use a credit card instead of a debit card. Let me explain.
Debit cards are legally riskier than traditional ATM cards or credit cards. While you are only liable for $50 if your credit card is used fraudulently, you may be liable for $500 or more if your debit card is misused plus the fact that the thief can drain your account dry and leave you broke until you get things worked out with your bank. In addition to this fact, debit cards offer much less protection then a credit card because with a credit card, you have certain legal rights to dispute fraudulent charges. If you suspect that your credit card or debit card has been compromised then you should contact your financial institution and cancel the card and put a hold on your funds.
You should now be aware that identity theft in general and credit card fraud in particular can happen to anybody. While there is no 100% guarantee that you wont become a victim of credit card fraud, taking the above steps can dramatically reduce the possibility. The important thing is that you take action to protect yourself now before it is too late. If you feel that you are not up to handling all the details then there are identity theft programs available such as the one offered by LifeLock which can take care of everything for a monthly fee.
ALPHONSO
Once you learn about what the different types of identity theft are and what a criminal does with your information, it is easier to protect yourself from becoming an identity theft victim. Because credit card theft is the number one identity theft crime in America, this article will discuss what it is and talk about some ways to reduce the probability of becoming a victim.
Credit card fraud is the number one fraud committed by identity theft criminals and possibly one of the easiest crimes to commit. Credit card fraud is split into two categories with the first method being a thief who actually steals an existing credit card. This is by far the easier crime to commit and luckily is easier to catch. The other option the thief may use is to gain access to your personal information and open a new credit card account that the victim will know nothing about. Many times the thief will use an alternate address and phone number so the victim never sees a bill and will not be aware of a problem until it is too late. There are steps you can take to prevent this type of fraud.
To prevent a thief from stealing your existing credit card you should cancel any credit cards you don’t need or use, pay close attention to your monthly bills, and above all else contact your financial institution immediately if you fail to receive your monthly billing statement. If a thief opens a new credit card account with your social security number it is harder to catch but there are steps you can take to prevent this from happening as well. Number one is the contact the Credit Reporting Agencies and request that no new lines of credit be approved without first seeking your approval. You should also request to be removed from any pre-screened credit offer mailing lists as thieves can steal such offers out of your mailbox or trash.
You should also take advantage of the fact that you can access your credit history twice a year for free to check for any fraudulent activity. For any accounts that have been fraudulently accessed or opened, contact the security departments of the appropriate financial institution immediately. Finally, if you are making purchases online you should use a credit card instead of a debit card. Let me explain.
Debit cards are legally riskier than traditional ATM cards or credit cards. While you are only liable for $50 if your credit card is used fraudulently, you may be liable for $500 or more if your debit card is misused plus the fact that the thief can drain your account dry and leave you broke until you get things worked out with your bank. In addition to this fact, debit cards offer much less protection then a credit card because with a credit card, you have certain legal rights to dispute fraudulent charges. If you suspect that your credit card or debit card has been compromised then you should contact your financial institution and cancel the card and put a hold on your funds.
You should now be aware that identity theft in general and credit card fraud in particular can happen to anybody. While there is no 100% guarantee that you wont become a victim of credit card fraud, taking the above steps can dramatically reduce the possibility. The important thing is that you take action to protect yourself now before it is too late. If you feel that you are not up to handling all the details then there are identity theft programs available such as the one offered by LifeLock which can take care of everything for a monthly fee.
ALPHONSO
Jan
31
credit card fraud?
Filed Under Credit | 4 Comments
T****A asked:
Someone stole my wifes debit card #’s and was in canada charging stuff up. the bank fraud department called because they were suspicious and shut the card off. the bank is giving the money back $638.00 but i was wondering does the bank loose that money or the stores were the stuff was bought have to pay the money back i think the stores should loose the money because the stores obviously didnt ask for id because it wasnt the correct person using the #’s the stores were abercrombie & fitch, towns shoes, and Mcdonalds i think they should have asked for id because the person didnt have the card just the #’s and that should have been a big red flag
GLENN
Someone stole my wifes debit card #’s and was in canada charging stuff up. the bank fraud department called because they were suspicious and shut the card off. the bank is giving the money back $638.00 but i was wondering does the bank loose that money or the stores were the stuff was bought have to pay the money back i think the stores should loose the money because the stores obviously didnt ask for id because it wasnt the correct person using the #’s the stores were abercrombie & fitch, towns shoes, and Mcdonalds i think they should have asked for id because the person didnt have the card just the #’s and that should have been a big red flag
GLENN
Jan
29
National Identity Fraud Prevention Week or was it “Identity Theft for Dummies?”
Filed Under Debt Consolidation | Leave a Comment
Vincent Woodall asked:
National Identity Fraud Prevention Week ran from the 17th-23rd October last year for the first time. There was a great deal of publicity regarding identity fraud as might have been expected but was it perhaps a case of “too much information”?
It is certainly understandable that a great deal of information was given about how to prevent identity fraud and what to do if you fell victim to it. However, there was also a great deal of information given that would certainly help the criminally-inclined who might otherwise never have thought that this was a way to make some easy money.
Identity theft is growing fast, costing around £1.7 billion and affecting up to 100,000 people each year. Strangely, it’s not a crime at the moment although the Government is considering making it one. It only becomes a crime when a stolen identity is actually used to obtain goods and services by deception at which point it becomes known as identity fraud.
Almost 20% of consumers in the USA admit to falling victim to identity theft. Younger adults are most at risk according to Experian-Gallup Personal Credit Index published on the 4th August 2005. Identity theft in the UK is rapidly on the up, with an increase of 165% over the available figures for 2004 according to Credit reference agency Experian.
However, is it any wonder that this particular crime is on the increase, when so much detailed information is given as to how identity thieves go about their task? I am reminded of an article I read in one of the tabloid newspapers only a few months ago, in which a convicted burglar, originally from Eastern Europe, explained how he had learnt valuable tips of the trade from, of all places, a police website.
The same could be said about identity theft but this information is not confined to police websites. If you were to type in “identity theft” into the Google UK search engine, you would see that this returns some 775,000 results. Now not all of these results are specifically about identity theft. However thousands of these results describe in detail how easily identity thieves go about stealing other people’s identities.
UK credit reference agency Experian, in co-operation with the London Borough of Camden, analysed the contents of the dustbins of 327 domestic homes and 71 companies and organisations to assess the potential for identity fraud (apparently bin raiders in certain parts of London are paid up to £5 a document by would-be identity thieves). Some of the information found included the names, addresses and mobile telephone numbers of well known film and television stars that had been discarded by a film and theatrical agency. Photocopies of passports with passport numbers, dates of birth and photographs of customers had been thrown out by a travel agent. Full financial details of applicants for courses at an educational establishment had been put into dustbins. Detailed scaled plans of NHS hospitals and other public buildings had been thrown out by an architect. Full medical records of the patients of a doctor’s surgery had been thrown away. Signed witness statements and sworn affidavits had been discarded by a barrister’s chambers. A PR company had thrown out embargoed press releases and bank account details of its clients. A mortgage broker had discarded numerous completed mortgage applications containing full financial details of its clients.
Apart from the above, one in ten domestic households was found to have discarded a compete combination of credit or debit card number, with expiry date, issue number and signature. Many other assorted articles were also found in this selection of dustbins including mortgage statements, bank account numbers and balances, a cheque book complete with ten cheques, an uncashed cheque, medical information, an MP’s signature, CVs, driving licences and a death certificate. Jill Stevens, Consumer Relations Director at Experian, commented “….as consumers, we are all still binning far too much personal information which can and is being used by fraudsters to fuel the current boom in ID fraud”.
Only very recently, in February this year, two identity fraudsters got confidential information about comedian Harry Hill, 41, from a bank clerk and used it to set up an internet account in his name. They then siphoned cash from the comedian’s genuine Halifax accounts into the bogus one. In one month a series of large sums were transferred out of the online account to various beneficiaries and stolen. Hill, whose account was in his real name of Dr Matthew Hall, discovered the theft when he visited his Halifax branch in Battersea, South London, to query the transactions.
The stand-up comic was one of five wealthy clients targeted. The unnamed conmen got their confidential details from Sharmane Dillon, 23, a Halifax customer adviser. Dillon claimed the men, who were not caught, threatened her with violence. They sent her the names of chosen victims by text message and she searched the computer database for dates of births and answers to security questions.
Prosecutor Andrew Evans told Harrow crown court that one conman then posed as Hill to alter the bank’s records of his address. He said: “It was changed to somewhere in Woolwich. A code was then issued to that address which enabled fraudulent transactions.” Almost £500,000 was taken from the customers. About £150,000 was recovered. The bank refunded the rest.
Dillon, who worked in Wembley, admitted passing on customer details but denied plotting fraud. She denied the charge of conspiracy to defraud saying she did not profit from the crime, and only took part because the conmen had threatened to hurt her family and slit her throat if she did not help.
However a jury at Harrow Crown Court found the 23-year-old guilty by a majority verdict . The fraudsters themselves were not caught. Judge Susan Tapping told her: ‘It would be very wrong if I didn’t warn you that a custodial sentence is very much on the cards for this offence.’
Four other accounts were targeted in the sting, which netted more than £578,000 in 2004; although all the victims have got their money back. She was released on bail and will be sentenced next month.
Last year another comedian, Ricky Gervais, was also a victim of identity fraud when a picture taken from the cover of a DVD was used in a stolen passport.
So where does this leave you? If you can’t even trust the staff at your bank it doesn’t leave too much hope. MPs recently voted to bring in voluntary ID cards. Presumably criminals will choose to opt out given the choice. But apart from biometric ID cards what can you do to protect your identity?
It has been suggested on a Home Office website that paper shredders also contribute to protecting against identity theft.
BLAIR
National Identity Fraud Prevention Week ran from the 17th-23rd October last year for the first time. There was a great deal of publicity regarding identity fraud as might have been expected but was it perhaps a case of “too much information”?
It is certainly understandable that a great deal of information was given about how to prevent identity fraud and what to do if you fell victim to it. However, there was also a great deal of information given that would certainly help the criminally-inclined who might otherwise never have thought that this was a way to make some easy money.
Identity theft is growing fast, costing around £1.7 billion and affecting up to 100,000 people each year. Strangely, it’s not a crime at the moment although the Government is considering making it one. It only becomes a crime when a stolen identity is actually used to obtain goods and services by deception at which point it becomes known as identity fraud.
Almost 20% of consumers in the USA admit to falling victim to identity theft. Younger adults are most at risk according to Experian-Gallup Personal Credit Index published on the 4th August 2005. Identity theft in the UK is rapidly on the up, with an increase of 165% over the available figures for 2004 according to Credit reference agency Experian.
However, is it any wonder that this particular crime is on the increase, when so much detailed information is given as to how identity thieves go about their task? I am reminded of an article I read in one of the tabloid newspapers only a few months ago, in which a convicted burglar, originally from Eastern Europe, explained how he had learnt valuable tips of the trade from, of all places, a police website.
The same could be said about identity theft but this information is not confined to police websites. If you were to type in “identity theft” into the Google UK search engine, you would see that this returns some 775,000 results. Now not all of these results are specifically about identity theft. However thousands of these results describe in detail how easily identity thieves go about stealing other people’s identities.
UK credit reference agency Experian, in co-operation with the London Borough of Camden, analysed the contents of the dustbins of 327 domestic homes and 71 companies and organisations to assess the potential for identity fraud (apparently bin raiders in certain parts of London are paid up to £5 a document by would-be identity thieves). Some of the information found included the names, addresses and mobile telephone numbers of well known film and television stars that had been discarded by a film and theatrical agency. Photocopies of passports with passport numbers, dates of birth and photographs of customers had been thrown out by a travel agent. Full financial details of applicants for courses at an educational establishment had been put into dustbins. Detailed scaled plans of NHS hospitals and other public buildings had been thrown out by an architect. Full medical records of the patients of a doctor’s surgery had been thrown away. Signed witness statements and sworn affidavits had been discarded by a barrister’s chambers. A PR company had thrown out embargoed press releases and bank account details of its clients. A mortgage broker had discarded numerous completed mortgage applications containing full financial details of its clients.
Apart from the above, one in ten domestic households was found to have discarded a compete combination of credit or debit card number, with expiry date, issue number and signature. Many other assorted articles were also found in this selection of dustbins including mortgage statements, bank account numbers and balances, a cheque book complete with ten cheques, an uncashed cheque, medical information, an MP’s signature, CVs, driving licences and a death certificate. Jill Stevens, Consumer Relations Director at Experian, commented “….as consumers, we are all still binning far too much personal information which can and is being used by fraudsters to fuel the current boom in ID fraud”.
Only very recently, in February this year, two identity fraudsters got confidential information about comedian Harry Hill, 41, from a bank clerk and used it to set up an internet account in his name. They then siphoned cash from the comedian’s genuine Halifax accounts into the bogus one. In one month a series of large sums were transferred out of the online account to various beneficiaries and stolen. Hill, whose account was in his real name of Dr Matthew Hall, discovered the theft when he visited his Halifax branch in Battersea, South London, to query the transactions.
The stand-up comic was one of five wealthy clients targeted. The unnamed conmen got their confidential details from Sharmane Dillon, 23, a Halifax customer adviser. Dillon claimed the men, who were not caught, threatened her with violence. They sent her the names of chosen victims by text message and she searched the computer database for dates of births and answers to security questions.
Prosecutor Andrew Evans told Harrow crown court that one conman then posed as Hill to alter the bank’s records of his address. He said: “It was changed to somewhere in Woolwich. A code was then issued to that address which enabled fraudulent transactions.” Almost £500,000 was taken from the customers. About £150,000 was recovered. The bank refunded the rest.
Dillon, who worked in Wembley, admitted passing on customer details but denied plotting fraud. She denied the charge of conspiracy to defraud saying she did not profit from the crime, and only took part because the conmen had threatened to hurt her family and slit her throat if she did not help.
However a jury at Harrow Crown Court found the 23-year-old guilty by a majority verdict . The fraudsters themselves were not caught. Judge Susan Tapping told her: ‘It would be very wrong if I didn’t warn you that a custodial sentence is very much on the cards for this offence.’
Four other accounts were targeted in the sting, which netted more than £578,000 in 2004; although all the victims have got their money back. She was released on bail and will be sentenced next month.
Last year another comedian, Ricky Gervais, was also a victim of identity fraud when a picture taken from the cover of a DVD was used in a stolen passport.
So where does this leave you? If you can’t even trust the staff at your bank it doesn’t leave too much hope. MPs recently voted to bring in voluntary ID cards. Presumably criminals will choose to opt out given the choice. But apart from biometric ID cards what can you do to protect your identity?
It has been suggested on a Home Office website that paper shredders also contribute to protecting against identity theft.
BLAIR
Jan
27
Tips For Preventing Check Fraud
Filed Under Finance | Leave a Comment
Lyn Askin asked:
Convenience is the offspring of the twenty-first century. But even with the advancements afforded by technology, some still opt for more traditional methods. One such example is evident in the finance and banking industry. Despite the advent and development in online banking, many account holders still maintain the use of checks. In fact, roughly 15% of the nation’s population still depends on checks for executing transactions. This 15% are also the prime targets of one of the most damaging violations in the financial industry: check fraud.
Entrepreneur Weekly, an online business magazine, reports of an American Bankers Association data that says that there is a 25% annual growth rate of check fraud cases in the country. At this rate, check fraud is indeed a serious threat to the security and privacy of anyone-from the multi-million dollar company to the average wage earner.
However, even if you belong to that 15%, you still have the option not to fall into the trap of hoaxers and scammers. Here are some tips that, if all together applied, will help you stop check fraudsters from getting their swindling hands on you:
There are no exceptions
Create a tight policy on check acceptance. This policy should require associative information, a list of valid ID forms, and dollar limits. There should also be no exceptions to the rules. Remember that the greatest con artists are creative in finding ways of concocting situations that distract you into taking a bad check.
Feel the check with your hand
Get familiarized to the “feel” of a genuine check. This will allow you to spot the fakes, even just by mere touch of it. Fakes are usually lighter than the real ones. Moreover, most authentic checks, save for the government-issued ones, have perforated edges on at least one side.
Check for signs
Pay close attention to the check writer as he or she signs the check. Also, ask the customer to write his or her name below (in print), should the signature be illegible. Most of all, don’t forget to compare what he or she had written with the specimen signature in his or her information sheet.
Look at the numbers in the check
You could be familiar with the numbers written on the lower portion of your check. You may have also observed that their font differs from the others and wondered why this is so. Well, those series of numbers is called an MICR line. MICR means magnetic ink character recognition. These numbers are printed with the use of an MICR toner that possesses magnetic particles of the iron oxide additives variety. These additives allow the reader-sorter machines to read checks.
As a check is run through a reader-sorter, the MICR line scans across and causes the iron oxide to become magnetized, thus, emitting a signal. Then the check is read by a “magnetic read head.” Upon the contact of the magnetic head and the MICR line, an electromagnetic field, called a flux pattern, is detected. The current created by the flux pattern allows the MICR series to be processed and recognized by the machine. The potency of an MICR toner ensures the readability of your check’s MICR series. It is important to note the quality and appearance of the check’s MICR line. Most fraudulent checks use a different kind of ink to change the MICR number sequence of a check.
If used wisely, and maintained in all the check transactions you make, there is no chance in the world for you to fall victim to fake checks. Remember that an ounce of prevention is better than a pound of cure.
SIMON
Convenience is the offspring of the twenty-first century. But even with the advancements afforded by technology, some still opt for more traditional methods. One such example is evident in the finance and banking industry. Despite the advent and development in online banking, many account holders still maintain the use of checks. In fact, roughly 15% of the nation’s population still depends on checks for executing transactions. This 15% are also the prime targets of one of the most damaging violations in the financial industry: check fraud.
Entrepreneur Weekly, an online business magazine, reports of an American Bankers Association data that says that there is a 25% annual growth rate of check fraud cases in the country. At this rate, check fraud is indeed a serious threat to the security and privacy of anyone-from the multi-million dollar company to the average wage earner.
However, even if you belong to that 15%, you still have the option not to fall into the trap of hoaxers and scammers. Here are some tips that, if all together applied, will help you stop check fraudsters from getting their swindling hands on you:
There are no exceptions
Create a tight policy on check acceptance. This policy should require associative information, a list of valid ID forms, and dollar limits. There should also be no exceptions to the rules. Remember that the greatest con artists are creative in finding ways of concocting situations that distract you into taking a bad check.
Feel the check with your hand
Get familiarized to the “feel” of a genuine check. This will allow you to spot the fakes, even just by mere touch of it. Fakes are usually lighter than the real ones. Moreover, most authentic checks, save for the government-issued ones, have perforated edges on at least one side.
Check for signs
Pay close attention to the check writer as he or she signs the check. Also, ask the customer to write his or her name below (in print), should the signature be illegible. Most of all, don’t forget to compare what he or she had written with the specimen signature in his or her information sheet.
Look at the numbers in the check
You could be familiar with the numbers written on the lower portion of your check. You may have also observed that their font differs from the others and wondered why this is so. Well, those series of numbers is called an MICR line. MICR means magnetic ink character recognition. These numbers are printed with the use of an MICR toner that possesses magnetic particles of the iron oxide additives variety. These additives allow the reader-sorter machines to read checks.
As a check is run through a reader-sorter, the MICR line scans across and causes the iron oxide to become magnetized, thus, emitting a signal. Then the check is read by a “magnetic read head.” Upon the contact of the magnetic head and the MICR line, an electromagnetic field, called a flux pattern, is detected. The current created by the flux pattern allows the MICR series to be processed and recognized by the machine. The potency of an MICR toner ensures the readability of your check’s MICR series. It is important to note the quality and appearance of the check’s MICR line. Most fraudulent checks use a different kind of ink to change the MICR number sequence of a check.
If used wisely, and maintained in all the check transactions you make, there is no chance in the world for you to fall victim to fake checks. Remember that an ounce of prevention is better than a pound of cure.
SIMON
Jan
26
Someone asked:
I recently gave my passport ID, name, address, nationality and *** to a fraud claiming to be a landlord. He was telling me I need to pay 1800$ as a deposit fee before moving in. I obviously know he’s a fraud and a thief, so I’m not paying that. But now I’m worried since he has my passport ID #.
My question is: is it possible for him to create a bank account or make a credit card and use up my credit with just this information? I have never used up my credit before this and I don’t even have a credit card.
Do I have anything to be scared about?
CHRISTIAN
I recently gave my passport ID, name, address, nationality and *** to a fraud claiming to be a landlord. He was telling me I need to pay 1800$ as a deposit fee before moving in. I obviously know he’s a fraud and a thief, so I’m not paying that. But now I’m worried since he has my passport ID #.
My question is: is it possible for him to create a bank account or make a credit card and use up my credit with just this information? I have never used up my credit before this and I don’t even have a credit card.
Do I have anything to be scared about?
CHRISTIAN
Jan
24
Credit Score: Protect yourself From Identity Theft and Fraud
Filed Under Personal Finance | Leave a Comment
Lara Sawyer asked:
There are many reasons why you should fear identity theft and credit fraud. We receive hundreds of consults each month for credit repair due to issues that have as underlying cause some type of identity theft or credit fraud. It is very important to be protected against these practices if you want to keep your credit sound and your credit score high. A simple credit fraud can destroy the efforts of years on building a clean and stainless credit history. Following are some tips that it is smart to follow if you want to remain on the upper side of the credit rank.
Protect Your Social Security Number
Your social security number is probably the most important identification you have. When forged or used illegally it can cause a lot of harm both to the legit owner and the federal administration or third parties. Thus, it is important to be cautious and avoid providing your social security number when there is no good reason for doing it. As a general rule, you should refrain from providing your social security number to companies that you did not contact you first and, for additional protection, you should run a background check on any company requesting your social security number.
Dispose of Documentation Properly
Any documentation used during applications such as credit reports pulled or filled loan applications need to be archived properly or destroyed if they are not going to be used anymore. This is a significant issue as unscrupulous people make use of this kind of documentation to obtain important personal information for engaging in identity theft. Mail is another source of information that could be used for this purpose and you should also destroy all mails that you do not need to keep. It is important to destroy the documentation or paperwork, shredding is the ideal procedure but in any case, you should dispose of it in such a way that the information cannot be retrieved anymore.
Take Note of All Your Personal And Financial Information and Keep It Safe
Chances are that you have plenty of accounts, store cards, credit cards, and such. If you do, you should take note of all account numbers, credit card numbers, store card IDs, CDs, stocks, bonds, and any other personal and financial information and keep this information printed in a safe place where you can retrieve it easily in case you need to contact the issuers for cancelling the accounts. In case of theft, it is important to cancel credit cards and account or debit cards immediately and have new ones issued to avoid further damages to your credit or finances.
Monitoring Credit And Purchases
Another thing you must do every month is to control your account, credit card and store card’s statements so you can notice immediately when an unidentified or unauthorized purchase was made. Moreover, it is a good idea to hire credit monitoring services to find out if any unauthorized use of your credit was made before it can cause troubles and leave a stain on your credit report
JOSEF
There are many reasons why you should fear identity theft and credit fraud. We receive hundreds of consults each month for credit repair due to issues that have as underlying cause some type of identity theft or credit fraud. It is very important to be protected against these practices if you want to keep your credit sound and your credit score high. A simple credit fraud can destroy the efforts of years on building a clean and stainless credit history. Following are some tips that it is smart to follow if you want to remain on the upper side of the credit rank.
Protect Your Social Security Number
Your social security number is probably the most important identification you have. When forged or used illegally it can cause a lot of harm both to the legit owner and the federal administration or third parties. Thus, it is important to be cautious and avoid providing your social security number when there is no good reason for doing it. As a general rule, you should refrain from providing your social security number to companies that you did not contact you first and, for additional protection, you should run a background check on any company requesting your social security number.
Dispose of Documentation Properly
Any documentation used during applications such as credit reports pulled or filled loan applications need to be archived properly or destroyed if they are not going to be used anymore. This is a significant issue as unscrupulous people make use of this kind of documentation to obtain important personal information for engaging in identity theft. Mail is another source of information that could be used for this purpose and you should also destroy all mails that you do not need to keep. It is important to destroy the documentation or paperwork, shredding is the ideal procedure but in any case, you should dispose of it in such a way that the information cannot be retrieved anymore.
Take Note of All Your Personal And Financial Information and Keep It Safe
Chances are that you have plenty of accounts, store cards, credit cards, and such. If you do, you should take note of all account numbers, credit card numbers, store card IDs, CDs, stocks, bonds, and any other personal and financial information and keep this information printed in a safe place where you can retrieve it easily in case you need to contact the issuers for cancelling the accounts. In case of theft, it is important to cancel credit cards and account or debit cards immediately and have new ones issued to avoid further damages to your credit or finances.
Monitoring Credit And Purchases
Another thing you must do every month is to control your account, credit card and store card’s statements so you can notice immediately when an unidentified or unauthorized purchase was made. Moreover, it is a good idea to hire credit monitoring services to find out if any unauthorized use of your credit was made before it can cause troubles and leave a stain on your credit report
JOSEF
Jan
18
Verity Technologies signs Kores (India) as channel sales partner to distribute Blue ID solutions
Filed Under Communication | Leave a Comment
veritytech asked:
Blue ID: Addresses security and authentication concerns
Bangalore: Verity Technologies, a mobile applications company with focus on Authentication and Identity Management Services, today announced a strategic alliance with Kores (India) Limited, a 76 year old highly diversified business house with all India network and market leadership in stationery and office products. Kores has relationships with most Indian Banks. The alliance paves way for Kores to distribute Verity’s highly acclaimed Blue ID, a new generation technology – that secures financial transactions, manage access and provides biometric identity to masses on a pan India basis.
The Blue ID Portfolio (5 variants with varying levels of security) is set to unveil a new era in the telecom and financial transactions space. Card transaction verification, online banking, session control, biometric access, rural financial inclusion and identity management are the key areas that would be revolutionized through the adoption of this technology. Blue IDs cutting edge technology has the advantage of interoperability with legacy platforms, existing technologies and standards in the financial sector including Scosta, EMV and 8353 among others. Blue ID solutions, which are fast, safe &easy to use, is controlled by users own mobile.
Commenting on the new technology, G S S Dutt, CEO, Business & Computer Systems Division, Kores (India) Limited, said “The key to today’s market is to give the customer what he needs and to keep it very simple. With Phone as an Authenticator, we believe the Blue ID 2 has massive potential in the immediate term as a mechanism to authenticate every transaction as stipulated by RBI that comes into force on August 1. The Portable Biometric Reader which is a part of Blue ID 5 has tremendous potential in India for financial inclusion mandates as well as Identity Tools for remote villages”.
According to Goutam Chatterjee, Senior General Manager – Banking & New Business Development, Kores (India) Limited, “Authentication and Security are a tough sell to any financial institution or bank. The architecture of the technology which creates zero disruption in the customer’s IT infrastructure is what makes the Blue ID unique. With our credibility in the banking sector, our strongnetwork of branches all over India and a strong product like Blue ID, we look forward to crafting a success story”. Further, he said Sachin Paithankar, SBU Head – BPO and IT, shall drive the Blue ID sales at Kores.
Highlighting customer value of the technology, Anuradha Bansal, Managing Director, Verity Technologies, said, “At the lowest level of security Blue ID allows a person secure his access to an online session via username on the web coupled with a PINCODE on a mobile device. With the risk of online fraud, phishing and identity theft removed, online banking or e-commerce is made safe, easy and a mass market phenomenon. At the highest level of security Blue ID allows the person to gain Biometric Access, presence based password and total session control.” Further, she pointed out, Blue IDs ultra pervasive technologies (mobile and Bluetooth) are highly versatile and cost effective. In remote villages with low internet *********** it provides a portable biometric reader with server access through mobile internet connectivity. This is expected to provide large scale implementation of social projects which are expected to operate at a staggering scale.
CORY
Blue ID: Addresses security and authentication concerns
Bangalore: Verity Technologies, a mobile applications company with focus on Authentication and Identity Management Services, today announced a strategic alliance with Kores (India) Limited, a 76 year old highly diversified business house with all India network and market leadership in stationery and office products. Kores has relationships with most Indian Banks. The alliance paves way for Kores to distribute Verity’s highly acclaimed Blue ID, a new generation technology – that secures financial transactions, manage access and provides biometric identity to masses on a pan India basis.
The Blue ID Portfolio (5 variants with varying levels of security) is set to unveil a new era in the telecom and financial transactions space. Card transaction verification, online banking, session control, biometric access, rural financial inclusion and identity management are the key areas that would be revolutionized through the adoption of this technology. Blue IDs cutting edge technology has the advantage of interoperability with legacy platforms, existing technologies and standards in the financial sector including Scosta, EMV and 8353 among others. Blue ID solutions, which are fast, safe &easy to use, is controlled by users own mobile.
Commenting on the new technology, G S S Dutt, CEO, Business & Computer Systems Division, Kores (India) Limited, said “The key to today’s market is to give the customer what he needs and to keep it very simple. With Phone as an Authenticator, we believe the Blue ID 2 has massive potential in the immediate term as a mechanism to authenticate every transaction as stipulated by RBI that comes into force on August 1. The Portable Biometric Reader which is a part of Blue ID 5 has tremendous potential in India for financial inclusion mandates as well as Identity Tools for remote villages”.
According to Goutam Chatterjee, Senior General Manager – Banking & New Business Development, Kores (India) Limited, “Authentication and Security are a tough sell to any financial institution or bank. The architecture of the technology which creates zero disruption in the customer’s IT infrastructure is what makes the Blue ID unique. With our credibility in the banking sector, our strongnetwork of branches all over India and a strong product like Blue ID, we look forward to crafting a success story”. Further, he said Sachin Paithankar, SBU Head – BPO and IT, shall drive the Blue ID sales at Kores.
Highlighting customer value of the technology, Anuradha Bansal, Managing Director, Verity Technologies, said, “At the lowest level of security Blue ID allows a person secure his access to an online session via username on the web coupled with a PINCODE on a mobile device. With the risk of online fraud, phishing and identity theft removed, online banking or e-commerce is made safe, easy and a mass market phenomenon. At the highest level of security Blue ID allows the person to gain Biometric Access, presence based password and total session control.” Further, she pointed out, Blue IDs ultra pervasive technologies (mobile and Bluetooth) are highly versatile and cost effective. In remote villages with low internet *********** it provides a portable biometric reader with server access through mobile internet connectivity. This is expected to provide large scale implementation of social projects which are expected to operate at a staggering scale.
CORY
Jan
12
Stacey Beattie asked:
Susan Littlegate has been a victim of online fraud not once but twice. In September last year her debit card was used in bank fraud transactions in Brazil, on the over side of the world. Luckily her bank spotted the irregularity of the transaction and cancelled it. The second time she was simply online shopping when her bank card was refused. Upon checking her bank statement her balance had been wiped to zero – her card had been ‘cloned’ and her bank account emptied.
When these situations occur it can be devastating. After Susan’s second experience of bank card online fraud it took well over a month for her bank to retrieve the money, resulting in finance charges for her unpaid mortgage and credit card payments.
It begs the question: - “How would you manage a month with no access your bank funds”?
Rise In Online Bank Fraud
Online bank fraud is on the up and incidents in 2008 alone totalled a staggering £52.5 million in the UK alone.
Nearly 15m people in the UK use the internet for finance and banking services and the most significant rise in online fraud is when criminals take over someone’s bank account through card ID theft with losses up by 39% in 2008.
Online Fraud Tactics
Online fraudsters are known to use a device called key logging. It is software that tracks what you type in order to collect bank passwords and credit card details. These malicious computer software programs usually find their way onto a computer when a user clicks on an unsolicited e-mail.
Another fraud tactic is ‘Phishing’ where an email is sent pretending to be from your bank asking you to click on a link which will take you to a fake website identical to your own bank site and ask you to confirm your personal bank finance details.
‘Chip and pin’ bank cards were introduced by UK banks in 2004 and proved to be successful in lowering the amount of banking frauds but as online banking has
become increasing popular, with consumers taking advantage of the chance to bank from their armchairs, online bank fraud has started to rise again.
Protecting Yourself
Despite the large number of internet users many have no idea how to protect themselves online. In order to bank safe online it is essential you play your part in making sure you do not become a fraud victim.
Here are five online finance recommendations to help protect yourself against online fraud: -
1 One in four people do not carry out any checks to see whether a site is safe and secure before carrying out a transaction. It is essential that you stay vigilant and never relax your guard while shopping online or carrying out financial transactions. Free anti fraud software is available by McAfee to check whether a site is safe before you click on it. Make sure your firewalls are always turned on and you antivirus software is always kept up to date.
2 Always make sure you log out of sites when you have finished your shopping/transactions. If you stay logged in it means your financial details are available to others.
3 Don’t open emails from people that you do not know. Do not click on a link especially if it is in the email and it asks you for personal finance bank details. If you have any doubts about the authenticity of the email do not respond. Beware of emails which offer you a prize or a discount which requires you to choose a user id and password (as many people use the same details for many bank accounts and thieves will collect these details and try to use them). Any emails which have a sense of urgency or ask you for personal finance or bank details be wary of.
4 It is advised that you change your online bank password every 60 days. All sites that you have an account with will let you easily change your password usually by following a very simple and quick set of procedures. Changing your password regularly will help limit the accounts exposure and misuse, meaning less danger of online fraud. To make your password harder to guess use a mixture of upper case, lower case and number (as long as you can remember it!).
5 Stay in control of your money. The Eclipse prepaid MasterCard is a great way to do just that. The Eclipse card is not a credit card so you do not need to worry about debt or fraud and it is not debit card so it is in no way linked to your online bank account. You are not able to borrow money; you simply can only spend what you have loaded onto the card, meaning you are completely
in control of your money. As it is not linked to your online bank account it means people will not be able to fraudulently carry out any activities with your personal banking details. It literally takes seconds to top up your card either using your phone, wire transfer or online banking. You can also use cash to top up at the post office, Paypoint or using a top up pack.
Anyone in the UK who does fall victim of online fraud will have their money reimbursed as long as they have acted with ‘reasonable care’ and not in a fraudulent manner. If you do fall victim to online fraud there are many places where you can get help and advice, including: -
http://www.apacs.org.ukhttp://www.cardwatch.org.uk/
http://www.eclipsecard.co.uk/eclipse_card/Online_security
DANA
Susan Littlegate has been a victim of online fraud not once but twice. In September last year her debit card was used in bank fraud transactions in Brazil, on the over side of the world. Luckily her bank spotted the irregularity of the transaction and cancelled it. The second time she was simply online shopping when her bank card was refused. Upon checking her bank statement her balance had been wiped to zero – her card had been ‘cloned’ and her bank account emptied.
When these situations occur it can be devastating. After Susan’s second experience of bank card online fraud it took well over a month for her bank to retrieve the money, resulting in finance charges for her unpaid mortgage and credit card payments.
It begs the question: - “How would you manage a month with no access your bank funds”?
Rise In Online Bank Fraud
Online bank fraud is on the up and incidents in 2008 alone totalled a staggering £52.5 million in the UK alone.
Nearly 15m people in the UK use the internet for finance and banking services and the most significant rise in online fraud is when criminals take over someone’s bank account through card ID theft with losses up by 39% in 2008.
Online Fraud Tactics
Online fraudsters are known to use a device called key logging. It is software that tracks what you type in order to collect bank passwords and credit card details. These malicious computer software programs usually find their way onto a computer when a user clicks on an unsolicited e-mail.
Another fraud tactic is ‘Phishing’ where an email is sent pretending to be from your bank asking you to click on a link which will take you to a fake website identical to your own bank site and ask you to confirm your personal bank finance details.
‘Chip and pin’ bank cards were introduced by UK banks in 2004 and proved to be successful in lowering the amount of banking frauds but as online banking has
become increasing popular, with consumers taking advantage of the chance to bank from their armchairs, online bank fraud has started to rise again.
Protecting Yourself
Despite the large number of internet users many have no idea how to protect themselves online. In order to bank safe online it is essential you play your part in making sure you do not become a fraud victim.
Here are five online finance recommendations to help protect yourself against online fraud: -
1 One in four people do not carry out any checks to see whether a site is safe and secure before carrying out a transaction. It is essential that you stay vigilant and never relax your guard while shopping online or carrying out financial transactions. Free anti fraud software is available by McAfee to check whether a site is safe before you click on it. Make sure your firewalls are always turned on and you antivirus software is always kept up to date.
2 Always make sure you log out of sites when you have finished your shopping/transactions. If you stay logged in it means your financial details are available to others.
3 Don’t open emails from people that you do not know. Do not click on a link especially if it is in the email and it asks you for personal finance bank details. If you have any doubts about the authenticity of the email do not respond. Beware of emails which offer you a prize or a discount which requires you to choose a user id and password (as many people use the same details for many bank accounts and thieves will collect these details and try to use them). Any emails which have a sense of urgency or ask you for personal finance or bank details be wary of.
4 It is advised that you change your online bank password every 60 days. All sites that you have an account with will let you easily change your password usually by following a very simple and quick set of procedures. Changing your password regularly will help limit the accounts exposure and misuse, meaning less danger of online fraud. To make your password harder to guess use a mixture of upper case, lower case and number (as long as you can remember it!).
5 Stay in control of your money. The Eclipse prepaid MasterCard is a great way to do just that. The Eclipse card is not a credit card so you do not need to worry about debt or fraud and it is not debit card so it is in no way linked to your online bank account. You are not able to borrow money; you simply can only spend what you have loaded onto the card, meaning you are completely
in control of your money. As it is not linked to your online bank account it means people will not be able to fraudulently carry out any activities with your personal banking details. It literally takes seconds to top up your card either using your phone, wire transfer or online banking. You can also use cash to top up at the post office, Paypoint or using a top up pack.
Anyone in the UK who does fall victim of online fraud will have their money reimbursed as long as they have acted with ‘reasonable care’ and not in a fraudulent manner. If you do fall victim to online fraud there are many places where you can get help and advice, including: -
http://www.apacs.org.ukhttp://www.cardwatch.org.uk/
http://www.eclipsecard.co.uk/eclipse_card/Online_security
DANA
Jan
3
New Jersey Insurance Fraud Crimes Through the Eyes of a New Jersey Fraud Defense Lawyer
Filed Under Law | Leave a Comment
Joseph Potashnik asked:
When we mention crime, even white-collar crime, insurance fraud is not what immediately comes to mind. Yet, insurance fraud has lately become one of the front-runners among the most often prosecuted white-collar crimes in New Jersey.
In fact, New Jersey has the toughest criminal insurance fraud statutes in the country. The Health Care Claims Fraud statute, N.J.S.A. 21-4.3 and the Insurance Fraud statute, N.J.S.A. 2C:21-4.6, make many acts of insurance fraud second-degree crimes. For starters, a second-degree crime in New Jersey carries with it a prison term of up to ten years and fines of up to $150,000.
The vast majority of insurance fraud cases in New Jersey are investigated and prosecuted by the Office of Insurance Fraud Prosecutor (OIFP) and these cases involve all thinkable areas of insurance fraud, including health, life, disability, auto, homeowners’ or commercial insurance coverages.
According the 2007 OIFP report, there was “a 10% increase in criminal sentences over last year’s figure and sent defendants to prison for a combined total of 147 years”. The report exemplifies the wide array of individuals who found themselves in trouble for insurance fraud: ” In 2007, OIFP recorded OIFP won convictions of four former police officers, two of whom will serve a total of 12 years in State prison. Four licensed health care providers received State prison sentences totaling 12 years. A licensed insurance agent was sentenced to a five-year State prison term. An auto body shop owner and his accomplice were sent to State prison for a total of nine years. The sentences imposed on several members of vehicle theft rings totaled 77 years in State prison, over $1.8 million in restitution, and $9,500 in civil insurance fraud fines”. The list goes on.
So, what is “insurance fraud” made of? One large area of Insurance fraud in New Jersey is Automobile Insurance Fraud. The most popular crime here is auto theft and “give up schemes”, where the owner or lessee of a car abandons the car or gives it up to a someone who agrees to dispose of the car. Next come staged accidents and fraudulent Personal Injury Protection Claims and criminal use of “runners”. These types of cases normally involve organized rings of “runners”, medical providers, and lawyers. Vehicle Insurance policies in New Jersey provide medical benefits for persons injured in car accidents as part of Personal Injury Protection (PIP) coverage. PIP insurance typically covers diagnostic testing and treatment for persons injured in automobile accidents. In many cases, uninjured passengers involved in accidents are contacted by “runners” who convince them to file claims for “soft tissue” injuries, such as “whiplash”. Such injuries are not easily verifiable by x-rays and MRI. In the end, “runners” receive their illegal commissions, medical and chiropractic mills provide unnecessary medical services, including fake diagnostic and treatment, for which they bill, and lawyers file unwarranted lawsuits.
Other case involving New Jersey Automobile Insurance Fraud are selling and buying fake insurance ID cards and insurance agent fraud where licensed agents steal insurance premiums or are engaged in fraudulent premium financing schemes.
Another large area that pays bills for New Jersey insurance fraud criminal defense attorneys is Health Care insurance fraud. Most such cases involve submitting fraudulent claims for payment for health care services that were never provided and received. The most often targeted individuals here are New Jersey doctors, dentists, chiropractors, nurses, physical therapists, pharmacists, and social workers.
The most widely used tool in New Jersey heal care insurance fraud prosecutions is the Health Care Claims Fraud status, N.J.S.A. 2C:21-4.3 that makes it a crime for any health care provider just to submit a false claim to insurance companies, no matter what the amount is. A non-provider only needs to submit a false claim for $1,000 to have committed a second-degree crime. Other criminal charges used in prosecutions of New Jersey health care insurance fraud cases are usually charges of theft, conspiracy, and falsifying records.
Another area of New Jersey insurance fraud is life and disability insurance fraud, both governed by the Insurance Fraud Statute, N.J.S.A. 2C:21-4.6. Life insurance fraud offense is submitting a claim that falsely represents death of a claimant or otherwise misrepresenting important facts concerning the claim. Disability fraud involves faking a non-existing condition in order to receive benefits or knowingly failing to disclose new income.
Probably the largest single area of New Jersey Insurance Fraud is Medicaid fraud, which is investigated and prosecuted by the OIFP’s Medicaid Fraud Section. New Jersey Medicaid Fraud can be committed by any health care provider that participates in the Medicaid program. New Jersey physicians, dentists, clinics, chiropractors, pharmacists, laboratories, nursing homes, etc. are routinely prosecuted for New Jersey Medicaid fraud.
The basic New Jersey Medicaid fraud crime involves billing the Medicaid program for services that were never provided or might not be provided by the billing provider, or when the amount billed exceeds the costs of services performed (over billing). Other Medicaid fraud charges in New Jersey may be associated with charges of patient abuse and criminal neglect.
Another related New Jersey Medicaid fraud area is Medicaid prescription and drug diversion fraud. This involves pharmacies billing Medicaid for drugs that were not actually dispensed. Doctors, who sometimes form “partnerships” with pharmacies to engage in this fraud, are understandably find themselves in deep trouble as well.
Home health care fraud is the last largely prosecuted New Jersey Medicaid fraud crime. Medicaid pays for personal care provided for eligible beneficiaries by certified home care assistants, aides, and nurses, all of whom must be certified and licensed by the State to participate in the program. Criminal activities in this are involve billing for services that were not provided, employing non-certified providers, and lying in the certification process.
New Jersey insurance fraud is a wide area and persons facing any of the insurance fraud charges should seek legal counsel as soon as they discover that they are under investigation. A consultation with a competent New Jersey fraud defense attorney is absolutely indispensable.
GUY
When we mention crime, even white-collar crime, insurance fraud is not what immediately comes to mind. Yet, insurance fraud has lately become one of the front-runners among the most often prosecuted white-collar crimes in New Jersey.
In fact, New Jersey has the toughest criminal insurance fraud statutes in the country. The Health Care Claims Fraud statute, N.J.S.A. 21-4.3 and the Insurance Fraud statute, N.J.S.A. 2C:21-4.6, make many acts of insurance fraud second-degree crimes. For starters, a second-degree crime in New Jersey carries with it a prison term of up to ten years and fines of up to $150,000.
The vast majority of insurance fraud cases in New Jersey are investigated and prosecuted by the Office of Insurance Fraud Prosecutor (OIFP) and these cases involve all thinkable areas of insurance fraud, including health, life, disability, auto, homeowners’ or commercial insurance coverages.
According the 2007 OIFP report, there was “a 10% increase in criminal sentences over last year’s figure and sent defendants to prison for a combined total of 147 years”. The report exemplifies the wide array of individuals who found themselves in trouble for insurance fraud: ” In 2007, OIFP recorded OIFP won convictions of four former police officers, two of whom will serve a total of 12 years in State prison. Four licensed health care providers received State prison sentences totaling 12 years. A licensed insurance agent was sentenced to a five-year State prison term. An auto body shop owner and his accomplice were sent to State prison for a total of nine years. The sentences imposed on several members of vehicle theft rings totaled 77 years in State prison, over $1.8 million in restitution, and $9,500 in civil insurance fraud fines”. The list goes on.
So, what is “insurance fraud” made of? One large area of Insurance fraud in New Jersey is Automobile Insurance Fraud. The most popular crime here is auto theft and “give up schemes”, where the owner or lessee of a car abandons the car or gives it up to a someone who agrees to dispose of the car. Next come staged accidents and fraudulent Personal Injury Protection Claims and criminal use of “runners”. These types of cases normally involve organized rings of “runners”, medical providers, and lawyers. Vehicle Insurance policies in New Jersey provide medical benefits for persons injured in car accidents as part of Personal Injury Protection (PIP) coverage. PIP insurance typically covers diagnostic testing and treatment for persons injured in automobile accidents. In many cases, uninjured passengers involved in accidents are contacted by “runners” who convince them to file claims for “soft tissue” injuries, such as “whiplash”. Such injuries are not easily verifiable by x-rays and MRI. In the end, “runners” receive their illegal commissions, medical and chiropractic mills provide unnecessary medical services, including fake diagnostic and treatment, for which they bill, and lawyers file unwarranted lawsuits.
Other case involving New Jersey Automobile Insurance Fraud are selling and buying fake insurance ID cards and insurance agent fraud where licensed agents steal insurance premiums or are engaged in fraudulent premium financing schemes.
Another large area that pays bills for New Jersey insurance fraud criminal defense attorneys is Health Care insurance fraud. Most such cases involve submitting fraudulent claims for payment for health care services that were never provided and received. The most often targeted individuals here are New Jersey doctors, dentists, chiropractors, nurses, physical therapists, pharmacists, and social workers.
The most widely used tool in New Jersey heal care insurance fraud prosecutions is the Health Care Claims Fraud status, N.J.S.A. 2C:21-4.3 that makes it a crime for any health care provider just to submit a false claim to insurance companies, no matter what the amount is. A non-provider only needs to submit a false claim for $1,000 to have committed a second-degree crime. Other criminal charges used in prosecutions of New Jersey health care insurance fraud cases are usually charges of theft, conspiracy, and falsifying records.
Another area of New Jersey insurance fraud is life and disability insurance fraud, both governed by the Insurance Fraud Statute, N.J.S.A. 2C:21-4.6. Life insurance fraud offense is submitting a claim that falsely represents death of a claimant or otherwise misrepresenting important facts concerning the claim. Disability fraud involves faking a non-existing condition in order to receive benefits or knowingly failing to disclose new income.
Probably the largest single area of New Jersey Insurance Fraud is Medicaid fraud, which is investigated and prosecuted by the OIFP’s Medicaid Fraud Section. New Jersey Medicaid Fraud can be committed by any health care provider that participates in the Medicaid program. New Jersey physicians, dentists, clinics, chiropractors, pharmacists, laboratories, nursing homes, etc. are routinely prosecuted for New Jersey Medicaid fraud.
The basic New Jersey Medicaid fraud crime involves billing the Medicaid program for services that were never provided or might not be provided by the billing provider, or when the amount billed exceeds the costs of services performed (over billing). Other Medicaid fraud charges in New Jersey may be associated with charges of patient abuse and criminal neglect.
Another related New Jersey Medicaid fraud area is Medicaid prescription and drug diversion fraud. This involves pharmacies billing Medicaid for drugs that were not actually dispensed. Doctors, who sometimes form “partnerships” with pharmacies to engage in this fraud, are understandably find themselves in deep trouble as well.
Home health care fraud is the last largely prosecuted New Jersey Medicaid fraud crime. Medicaid pays for personal care provided for eligible beneficiaries by certified home care assistants, aides, and nurses, all of whom must be certified and licensed by the State to participate in the program. Criminal activities in this are involve billing for services that were not provided, employing non-certified providers, and lying in the certification process.
New Jersey insurance fraud is a wide area and persons facing any of the insurance fraud charges should seek legal counsel as soon as they discover that they are under investigation. A consultation with a competent New Jersey fraud defense attorney is absolutely indispensable.
GUY
Jan
2
Sam C asked:
I got two mails on the 28th feb & 1st march. the topic of these two mails are same that I have won a lottery. they are asking for my personal details.I got the mails from the below mentioned e-mail ids- 1) rahul@hathway.com
2) kehlchevy@rrohio.com 3) foreignservicesmanager01@live.com. what do u think that this is fraud mails?? plz answer me as soon as possible.
KEITH
I got two mails on the 28th feb & 1st march. the topic of these two mails are same that I have won a lottery. they are asking for my personal details.I got the mails from the below mentioned e-mail ids- 1) rahul@hathway.com
2) kehlchevy@rrohio.com 3) foreignservicesmanager01@live.com. what do u think that this is fraud mails?? plz answer me as soon as possible.
KEITH