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If a stranger you met for the first time on a metro asked you to give him Rs 10, would you do it? If you are shaking your head in disdain at the sheer naivety of the person who would give out his hard-earned money, take a look in the mirror. It could be you. The easy access to victims is the reason they are readily stalked by fraudsters—whether you use a smartphone or a computer, are logged into social media or pay online bills, buy gadgets from an ecommerce website, or withdraw money from an ATM, you are a sitting duck.
It helps if you have poor tech skills, trust freely and are lured by easy money. As per the RBI data, 11, cases related to ATM, credit and debit cards as well as Net banking frauds were reported by banks in If, however, you take into account the unreported cases, these figures are a fraction of the frauds being unleashed in the country.
A new breed of scamsters is coming up with ingenious ways to circumvent security measures. Mundra has reiterated the need to provide relief to customers. But prevention being the better option, you need to protect yourself from the omnipresent scamsters. In the following pages, we shall tell you not only about the various modus operandi being used by scamsters but, more importantly, the ways in which to secure your finances and seek redressal if you are cheated.
There is no doubting the convenience of online shopping, be it for electronic gadgets or household appliances, clothes or furniture. You may even get an empty package or, worse, one filled with stones. The problem can occur at any stage, for which you need to understand the sale and delivery process. There are sites that sell and deliver their own products like Fabindia.
There are others that serve as a platform for various sellers. These are marketplaces, like Flipkart, Amazon or Snapdeal, which host products by different brands and sellers. These products may be delivered either by the site itself or the seller. Some sites also provide special services, wherein product quality and delivery are guaranteed, for a premium.
Here the site sources products from other sellers but conducts quality checks and delivers them itself. For instance, Flipkart is set to launch FAssured, promising improved delivery service and stricter quality checks, while Amazon Prime is the paid service that offers similar advantages to its members.
Here are the various points at which fraud can occur: Tech-savvy scamsters set up sites that look like genuine ones with similar logos and domain names.
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Some may create a dummy site with a product line-up that only exists online. The purpose is to extract money from vulnerable buyers and disappear. Genuine site, fake seller: Here, both the site and seller may not be to blame.
If they fail to choose a reputed courier and go for cheaper fly-by-night operators, you could land a dummy package. A specific errant employee of the courier firm may also be responsible for the fake delivery. Preventive steps Check the site: If you want to try out new sites, make sure to check the domain name.
If the site does not offer any contact details or has a vague exchange or return policy, abandon the site. If you have picked an established site, opt for product assurance services, if any.
As for payment, avoid direct payment to sellers. Opt for payment services like PaisaPay in eBay, which ensures that the seller is not paid by the site till the product is delivered, safeguarding your money. Also, do not pay via electronic bank transfers because it is difficult to retrieve the money once it has left the bank.
Opt for payment via credit card that has a low credit limit and is used exclusively for online shopping, or for cash on delivery, to minimise risk.
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This is what served as proof and helped him get his money back, he says. If you are cheated.
The first step is to get in touch with the website or the seller. Consider your money lost. If you have opted for a safe site with a guaranteed exchange or money-back policy, you could write to the site, detailing the fraud, product details and mode of payment without giving sensitive information like your bank account number, etc.
The site will conduct its verification within a specified time and revert. The popularity of social media like Facebook, micro-blogging sites like Twitter, dating sites, online consumer compaint forums, charity and crowdfunding sites have spawned a fresh set of scamsters that preys on the personal information posted unwittingly by members. Modus operandi There are various online shopping sites that require you to log in through Facebook or mail and this can be an easy entry point for fraudsters, who can misuse your bank details, phone numbers or mail login and password to clean out your account.
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Be careful what information you volunteer on such sites. Despite the noble sentiment involved, be wary about giving money without verifying the claims of the backers. On 26 Februaryan Indian American, Manisha Nagrani, was arrested in the US for raising thousands of dollars via crowdfunding to help cover the cost of treating her blood cancer.
She had been perfectly healthy all along. If you befriend someone on a dating site and the person starts demanding money for travelling to meet you or other emergencies, medical or otherwise, know it to be a fraud.
Preventive steps You may not be able to seek redressal or have legal rights to claim the money lost because you either volunteered the money or information yourself. So the best you can do is avoid these. The fort was originally built by Kempe Gowda I as a mud fort in Bangalore Palacebuilt in in Tudor architectural style was modelled on the Windsor Castle in England. Kempe Gowda was restricted by rules made by Achuta Deva Raya, who feared the potential power of Kempe Gowda and did not allow a formidable stone fort.
Hyder Ali is credited with building the Delhi and Mysore gates at the northern and southern ends of the city in Hyder and Tipu contributed towards the beautification of the city by building Lal Bagh Botanical Gardens in Under them, Bangalore developed into a commercial and military centre of strategic importance. It was abolished in only to be revived in at Bangalore and to be closed down permanently inwith Indian independence.
A town grew up around the cantonment, by absorbing several villages in the area. The new centre had its own municipal and administrative apparatus, though technically it was a British enclave within the territory of the Wodeyar Kings of the Princely State of Mysore. The Bangalore torpedo was invented in Bangalore in While it remained in the princely territory of Mysore, Cantonment had a large military presence and a cosmopolitan civilian population that came from outside the princely state of Mysore, including British and Anglo-Indians army officers.
The crisis caused by the outbreak catalysed the city's sanitation process.Indians At ATM
Telephone lines were laid to help co-ordinate anti-plague operations. Regulations for building new houses with proper sanitation facilities came into effect.
A health officer was appointed and the city divided into four wards for better co-ordination.