Don't Get Snowed By These Holiday Scams
Scam Tips by City of Stockton
This month we have a special issue for you on holiday scams. What
would you say if someone...
Called on the phone and offered a free gift, just for allowing them
to verify your credit card number and expiration date?
Showed up at your door on a spring day and quoted a bargain price on repairing the roof or sealing the driveway "because the materials were left over from a big job in the neighborhood?"
Tried to sell you extra health insurance, claiming that your present policy and Medicare will not cover nursing home care?
Here are a few good answers that can help you avoid crooks. “I have to check with the Police Department or Better Business Bureau first.” “No, thank you. I want to think it over for a few days.” or “I need to talk to my family and my lawyer before I decide.”
A Guide to the Classics
Pigeon Drop
Two strangers tell you they have found a large sum of money or other
valuables. They tell you they will split the good fortune with you
if everyone involved puts up "good faith" money. You turn over your
cash, and you never see your money or the helpful strangers again.
Funeral Chaser
Shortly after the death of a relative, someone delivers a
leather-bound Bible that your deceased relative allegedly ordered.
Or you get a bill in the mail for an expensive item on which you
must make the payments. The Funeral Chaser uses obituary notices to
prey on bereaved families. Remember, you are not responsible for
anyone else's purchases, and all legitimate claims will be settled
by the estate.
Bank Examiner
A so-called bank official asks for your help to catch a dishonest
teller. He asks you to withdraw money from your account and turn it
over to him so he can check the serial numbers. You do and you get a
receipt, but your cash is gone. No legitimate bank official would
ever ask you to withdraw your money.
Bargains that Aren't Bargains
A "free" inspection uncovers needed repairs that will cost thousands
of dollars. Or a contractor comes to your home and offers a special
half-price deal on a roof because he has extra materials from
another job. These are favorite tricks of dishonest firms or
individuals who victimize homeowners.
Always get several estimates for any major work, and don't allow
yourself to be pressured into accepting a one-day-only offer. Ask
for references and check them out. Verify that the names, addresses,
and phone numbers provided as references are legitimate. They could
be giving you the phone number of a friend of theirs. Get a written
contract, and make sure you understand its provisions. Never pay for
work in advance. Withhold payment until the job is completed. Pay by
check, not cash.
