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Fake check?
So this girl that has befriended me recently has a boyfriend who is filthy rich. I was talking to him recently and saying how I need to pay off a credit card and get stuff for school but however I'm not in a financial position to do that. He offered to give me $3,000. At first he said I can borrow that money and after explaining to him that would not be much better than the situation I am in now, he agreed he would just give it to me as he would make that much back easily.
Sounds far fetched right? Thing is, I'm meeting this guy tomorrow to talk out stuff (in a public place) and he's going to give me a check.
Here is what seems fishy:
1. The whole scenario
2. He asked me how long I've had my bank account for
3. He says the check is from his business: Heaven Life Insurance or something. Why would he not just write a check from his personal account?
If I do receive a check from him do I go cash it? I need help because this is confusing.
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Ok, I speak from experience, please be careful! The world is full of people that can, and will, take advantage of you when you're down. Like me, you might not even fully grasp the situation you are in. These guys have a way of sensing your vulnerability and preying on it. This might be a completely above board situation and he is just a really nice guy wanting to help out OR somebody with an alternate agenda, not being honest about anything (including being "filthy" rich).
The guy that got me was an amazing salesman, appeared (at least had me believe) that he had my best interests at heart, and created such a sense of trust that I was blind to what was really going on. These guys are often called "con-men" and they are very very good at what they do. In my case, he was a professional that came recommended by someone that i know. Similar to your situation! in that they have a level of trust right off the bat (hey, we have somebody in common, trust me :). The guy that got me, built up trust and presented himself as an expert. I'm sad to say that he con'd me, took me down the wrong path, got money from me, and placed in a bad situation with the law. By the time I woke up from his "hold" and had a moment of clarity, it was in motion. I had to do everything in my power to stop my association with him and right the wrongs that were committed. Please don't let this happen to you. It might be too late when you realize the mess he got you in! Other then a HUGE LIFE LESSON it's not worth it. I say pass on the $3k and go get a part-time job to make the money yourself! Either way, you'll feel a lot better if you earn it yourself...
After my moment of weakness... I tell everybody I can and anybody that will listen, "ALWAYS do the right thing and you'll never have to lay awake at night with guilt. It'll make for a happy past, a happy present, and a happier future." Best of luck.
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This may or may not be a scam. Whatever you do not give him any information about where you bank or you bank account numbers. Should he offer you a check and should you decide to accept it you do not have to deposit it in your account.
What you can do is this.
1) look and see what Bank the check is drawn on. If it is a bank with a branch near you or one you can get to such as Bank of America, Wells Fargo or any well known National bank. GO to that bank and cash it. They can cash the check and give you a Bank check in its place which is the same as cash that you can put in your account.
By doing this he cannot stop payment on the check or can he get any information off the check once it is returned through the Banking system.
2) Take the check to one of the check cashing places. They charge a percentage for cashing the check though once again he cannot get any banking information about you off the returned check.
Should he suggest he go with you to your bank to deposit the check? Thank him for his generosity but decline his offer telling him you have other things to do today and will deposit the check in the next few days.
As I said I cannot say from the information provided if this is a scam or not. This is something you have to decide. Talk to your girlfriend and see what she thinks of his generous offer. She should know him best The fact that you question the sincerity of his offer is good reason to be cautious.
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