The economic crisis has already caused a rise in the unemployment rate up to 20% and an increase in delinquencies to historical rates of 6.19%, according to April. More and more people who are unable to meet its expenses or debts. This fact becomes increasingly frequent cases of evictions media and the consequent emergence of movements that seek to prevent them.

As if all this were not enough, the crisis could increase markedly after the summer. This would force the new Spanish government, come after the November elections, has made serious cuts in public spending and force the decline of certain positions in the administration.
Read the rest of this entry »

It takes place on average 70 per day. It is steadily increasing in recent years.

What are they and how do they credit fraud?
A credit fraud is a criminal activity that aims to buy goods or obtain credit with the premeditated intention not to repay the financing and not pay the fine. To do this, fraudsters illegally using identifying information of unsuspecting victims. May occur two types of identity theft (or impersonation): total or partial, depending on the fact that the fraudster decides to use only the identity data stolen or integrate data with other fictional or real.

The Observatory on fraud organized by CRIF has shown that in Italy in 2008 alone there were over 25,000 cases of credit fraud, an increase of +11% over 2007, totaling over 145 million euros. This means that every day in our country are over 70 credit fraud perpetrated but, more importantly, this phenomenon has been growing steadily in recent years because, unfortunately, that it is a type of fraud rather simple: the data necessary are easy to retrieve (name, surname, place and date of birth, social security number) and thanks to advanced technological tools criminals can create new identification documents, hardly distinguishable from real ones.
Read the rest of this entry »

The story of Claudia, a Hi-Fi never bought, never turned on a loan

“My name is Claudia, I’m 33, I teach in a nursery school and in parallel I’m taking a degree in education in Rome. In March, in preparation of my thesis, I went to a supermarket with the intention of buying a laptop, taking advantage of the possibility of being able to pay in installments with an interest-free financing. I was happy to have found that occasion but, unexpectedly, I received bad news from the dealer, I could not take advantage of that offer advantageous because my name was operating a loan that is subject to serious delays in payments of installments.
Read the rest of this entry »

What are they, as they occur, how to protect themselves, what to do when they happen

Skimming, shoulder surfing, Bluetooth, odd terms to indicate one thing: you have cheated! To say that something with your credit card has gone wrong, and a few dollars if they have flown away. From skim, skim, the first: the skimmer is a small device that copies the data contained in the magnetic stripe card, it skims the best part, precisely, and recopy them on another. Shoulder surfing, this is a little ‘smile, it means surfing behind, then it’s just spying. While stuck in the crack the skimmer copies the data to the ATM, someone will light as you type the code. And with wireless technology spreads using Bluetooth, to transmit codes to laptops nearby. And then hacking, phishing, boxing, trashing. But we try to do some ‘order.
Read the rest of this entry »

What can you do if you’ve been scammed?

If you think you have been scammed for consumption, or if you assume that this is a scam, you can report incidents to the Directorate General Enforcement and Mediation (CMB) of the FPS Economy.

Why is it important to do?

Because your report will allow the CMB have a global view of suspicious practices that target consumers in Belgium. CMB has legal remedies within its competence, and collaborating with other supervisors when the material does not fall within its competence. Constructive debate on how best to understand a fraudulent practice has also held regularly in the coordination platform of mass fraud that includes such services as police, representatives of judicial authorities. By informing the CMB, you will help prevent others from falling into the trap!
Read the rest of this entry »

How to distinguish offers reliable scam attempts on the net?

• Make sure all contact information of the provider (seller or company for example) are easily found on the web site visited. Mostly, these coordinates are in a “contact” or “legal.” If you can not find this information, beware! If only a webmail address is available, use extra caution!
• Make sure the seller has a business number. Beware of a seller claiming to be professional and who is not registered in the commercial register!

Read the rest of this entry »

What are the good habits to adopt to protect yourself?

• First, ask yourself whether it makes sense that an unknown promise you wonders
  Then, take the time to check details of your partner; scammers often use a PO box number as the only contact address or a GSM card, so as not to be identified
• not release any personal information without verifying who you’re dealing with
• do not give, do not pay and do not transfer money to a stranger or a financial intermediary does not know it has the necessary permissions. Read the rest of this entry »

Often these dangling false promises you big money gains.

Here are some examples:

• you are the winner of a lottery which you did not participate.
• you have the exclusive opportunity to integrate a system to win easily and effortlessly lot of money.
• you get a high commission in helping to secure money (inheritance, capital, etc.).
• you are selected to invest your money with no risk, the key to a guaranteed high return.

Read the rest of this entry »