Jonestime

Don't be Swindled

            Crafting this page is a challenge for me, as my deep affection for the Philippines often makes it difficult to address the darker aspects of the country. While the Philippines is home to some of the most warm and welcoming individuals on the planet, like any other nation, it is not immune to the presence of idiots who seek to exploit and deceive others. These people, commonly known as thieves and scammers, tarnish the reputation of this otherwise beautiful country. The prevalence of various types of thieves and scammers in the Philippines is a concerning issue, with new scams emerging regularly. Motivated by financial gain, the desire to elevate their standard of living, or simply driven by greed, these morons prey on unsuspecting victims. It is important to note that both men and women engage in scamming activities, and this article aims to shed light on this issue without singling out any particular gender. One of the most prevalent scams in the Philippines is the Romance and Love Scam, which targets expats and foreigners. The likelihood of falling victim to a scam in this country is high, but with awareness, common sense, and support from other trusted individuals, the risk can be significantly reduced. It is disheartening to hear stories of expats losing substantial sums of money to scammers, underscoring the importance of vigilance and caution. It is crucial to remain vigilant and observant of any signs that may indicate a potential scam. By staying informed and alert, you can protect yourself from falling victim to unscrupulous individuals who seek to exploit you financially.

Here are some of the most common scams to be aware of:

• Airport Luggage
• Card Skimming
• Check Overpayment
• Emergency or Grandparent
• Horse-Drawn Carriage
• Inheritance
• Lottery
• Marriage Fraud
• Money Changing
• Online Payment Or Money Transaction
• Pickpocket
• Romance and Love
• Spiked Drinks
• Taxi
• Water Sports and Motorcycle Hire

Airport Scams

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            There are numerous scams that occur regularly at the two major airports in the Philippines: Manila International and Mactan International in Cebu. These airports are consistently bustling with activity throughout the year, which unfortunately creates opportunities for illicit activities. One of the most egregious scams is known as the "laglag-bala" or "tanim-bala" scheme, also known as the bullet scam. This devious scheme involves airport personnel allegedly planting bullets in unsuspecting passengers' luggage. Subsequently, they claim to discover the bullets during security checks and then proceed to extort large sums of money from the passengers in exchange for not pressing charges. In 2015, the Philippine National Police Aviation Security Group reported 30 cases of the laglag-bala scam, prompting widespread concern among passengers and politicians alike. Subsequent investigations were launched, and fortunately, there have been no recent reports of such incidents. Another common scam at these airports is the "Laslas-maleta" scheme, which involves thieves breaking into luggage to steal passengers' valuables and personal belongings. This can be done by either opening unsecured luggage and rummaging through its contents or, in the case of secured luggage, using a pen or other pointed object to manipulate the zipper and gain access to the contents. Once the theft is complete, the thieves will carefully reseal the luggage, leaving no trace of their actions. It is imperative for passengers to remain vigilant and take necessary precautions to safeguard their belongings while traveling through these airports. In 2017, an Overseas Filipino Worker (OFW) in Japan reported that his luggage had been tampered with, resulting in the theft of over ₱20,000 worth of cosmetics and souvenirs. More recently, a Japanese tourist accused two airport security personnel of stealing 1,700 Australian dollars (₱68,000) from his wallet during a bag inspection before boarding a connecting flight to Cebu. Another concerning issue is the overweight baggage scam. It is advisable for travelers with heavy luggage to carefully weigh each item before heading to the airport. The National Bureau of Investigation (NBI) has uncovered cases where airline employees fail to reset weighing scales, leading to unjust overweight baggage fines that are pocketed by the employees. To avoid falling victim to this scam, always ensure that the scale reads zero before placing your belongings on it. If you suspect any foul play, do not hesitate to request a re-weighing. Furthermore, travelers should be cautious of Immigration Officer Bribery. While it is common to undergo questioning by immigration officers, be wary if the interrogation becomes overly intense or if they suggest a fee or bribe. Some Manila International (NAIA) immigration officers have been found to excessively scrutinize travel documents and demand bribes for passage. In such situations, it is important to stand your ground and refuse to pay any bribes, even if it means missing your flight. Request to speak to a supervisor, another airport official, or contact the NBI to address any issues with your travel documents promptly.

Solutions

• Guard you luggage carefully when at the airport.
• Invest in a luggage cover to fully secure your belongings.
• Have your luggage wrapped in cling wrap before travel.
• Purchase luggage that has zipper locks that keeps the zipper tags from being moved unless unlocked.
• Weigh your bags before arriving at the airport and scrutinize the weights being shown to you.
• Request to speak to a supervisor, another airport officer or call the NBI if you are being asked or pressured to give a fee or a bribe.

Card Skimming

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            One type of fraud that individuals should be cautious of is card skimming. It is imperative to safeguard your credit card information and refrain from disclosing any details pertaining to your bank account. Scammers often employ an electronic device that functions as a card reader, in conjunction with financial institutions, to illicitly obtain your card and account information. Card skimming involves the unauthorized duplication of data from the magnetic strip of a credit or ATM card. Oftentimes, scammers utilize a counterfeit plastic cover that closely resembles the original ATM strip cover, but securely fits over it. Concealed within this cover is a secondary reader that clandestinely copies the personal information of cardholders as they swipe their card at the ATM. Scammers are actively seeking to steal your personal information in order to gain access to your bank account and drain it of its funds. By obtaining the details from your skimmed card, scammers can create a counterfeit card with your information and make unauthorized charges on your account or withdraw cash. Card skimming not only poses a threat to your finances, but also opens the door to identity theft, allowing scammers to use your identity to commit fraud in other ways. When using an ATM, it is crucial to be vigilant and inspect the card swiping/reading area for any signs of tampering. If you notice anything suspicious, such as a loose cover or an unusual attachment, refrain from using the machine and report it immediately to the bank, ATM owner, and the authorities. It is important to inform others who may be using the ATM of the potential compromise. After encountering a skimming device or suspecting foul play, promptly notify your bank and carefully monitor your account statements for any unauthorized transactions in the following months. If you come across any unfamiliar charges, report them to your bank without delay.

Solutions

• Always be cautious when you are withdrawing money from ATM machines.
• When using cards in ATMs choose a machine that is attended by guards or in a busy place.
• Look to see that the ATM has not been tampered with.
• Do not share your personal identity number (PIN) with anyone.
• Do not keep any written copy of your PIN with the card.
• Use your hand as a cover when entering your PIN at an ATM.
• Choose passwords that would be difficult for anyone else to guess.
• Never let a shop worker take your card out of your sight.

Check Overpayment

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When selling items online, it is important to be aware of potential scams, such as the check overpayment scam. This scam typically involves receiving a generous offer from a buyer, accepting it, and then receiving a check for more than the agreed-upon price. The scammer will then provide a reason for the overpayment, such as covering agent fees or shipping costs, or claiming it was a mistake. The scammer will then ask for a refund of the excess amount through online bank transfers or wire transfers like Western Union. They hope that you will refund the money before realizing the check is fraudulent. If you fall victim to this scam, you could lose the money you refunded and the item you sold. It is crucial to be vigilant and verify the legitimacy of any offers you receive.

Solutions

• Use your common sense: If there is an over payment... the offer may be a scam.
• Know who you are dealing with. Confirm your buyer's name, street address, and telephone number.
• Never accept a check for more than your selling price. Tear it up and request a new check in the right amount.
• If you accept a check, never ship or deliver an item before the check clears your bank.
• Make sure the buyer's check has cleared before giving any type of refunds.

Emergency or Grandparent Scam

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            The Emergency Scam, also known as the Grandparent Scam, has been a prevalent issue for many years. This scam typically involves a con-artist contacting a grandparent or other senior citizen, pretending to be a relative in need of urgent financial assistance. The caller may claim to be a grandchild, niece, or nephew facing a crisis such as a car accident, trouble returning from a foreign country, or being in jail and in need of bail money. It is crucial to remain calm and think rationally when faced with such a situation. Do not rush into making any financial transactions without verifying the authenticity of the caller's story. Oftentimes, scammers will request that the victim keep the situation confidential and not inform other family members out of embarrassment. The scenario typically unfolds as follows: an individual receives a distressing message from a loved one claiming to be in urgent need of financial assistance. The message emphasizes the importance of keeping the situation confidential from other family members, instilling fear in the recipient. In somewhat of a panic, the victim rushes to send money through a money transfer service like Western Union without verifying the story or consulting other relatives. This type of scam, known as the emergency scam, preys on the goodwill and concern of individuals, particularly targeting elderly grandparents. The scam may take on different forms, such as a plea for help from an old neighbor or a family friend, but the underlying goal remains the same - to deceive and exploit vulnerable individuals. Another variation of the emergency scam involves a request for aid in response to a supposed natural disaster in the victim's home country or locality. While some of these requests may be legitimate, many are orchestrated by scammers seeking to capitalize on people's generosity and willingness to help. To protect yourself from falling victim to these scams, it is crucial to exercise caution and skepticism when receiving unsolicited requests for financial assistance. Always verify the legitimacy of the situation by contacting recognized charitable organizations directly through official channels. Be wary of individuals or organizations that pressure you to act quickly or keep the situation confidential. In some cases, scammers may go to great lengths to impersonate reputable organizations or individuals in order to gain your trust. The World Health Organization, for example, has warned the public about fraudulent schemes involving fake promises of vaccines during the Covid-19 pandemic.Remember, those who claim to be representatives of trusted agencies, organizations, or financial institutions may actually be scammers attempting to deceive you. Stay vigilant, ask questions, and verify the authenticity of any requests for financial assistance before taking action.

Solutions

• If you get a call or email claiming to know you and asking for help, check to confirm that it's legitimate before you send any money.
• Ask some hard questions that an imposter would not know, like a person's pets name, where they were born, or their mother's birthday.
• Contact the person who they claim to be directly. If you can't reach the person, or contact someone else, a friend or relative of that person.
• Don't send money unless you're sure it's the real person you know and love.
• When being asked to donate to a disaster fund, always contact the organization directly to be sure the request is legit.

Horse-Drawn Carriage

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            When visiting Manila's most popular tourist areas, such as the beautiful Rizal Park, the historic Spanish citadel of Intramuros, and the scenic waterfront boulevard Manila Baywalk, you will likely come across a traditional mode of transportation known as Kalesa. These beautifully decorated horse-drawn carriages date back to the Spanish era of the Philippines and offer tourists a unique way to explore the city. Unfortunately, some of the individuals operating these carriages are unscrupulous scammers who specifically target foreigners. They employ various tactics to deceive unsuspecting tourists. One common scam involves the driver abruptly taking off without discussing the price beforehand. Upon reaching the destination, they demand an exorbitant fee and may resort to intimidation tactics if challenged. Another deceitful practice is quoting a seemingly reasonable price at the beginning of the journey, only to reveal a significantly higher fare at the end, claiming the initial amount was merely a pickup fee. Despite these dishonest practices, it is still possible to enjoy a relaxing and fun carriage ride by employing a simple strategy. Before boarding the carriage, firmly negotiate the final price with the operator and clearly state that this is the maximum amount you are willing to pay upon reaching your destination. If the operator does not provide a definitive response, it is advisable to seek out another carriage to avoid falling victim to this scam. By being assertive and setting clear expectations upfront, you can ensure a pleasant and fair experience while exploring Manila's iconic attractions.

Solutions

• Always confirm with the driver that the price he is quoting is for a certain amount of time or distance in travel and the total price of the ride.
• Ask other operators in the area for their costs for the same ride.
• Never expose large amounts of money to any vendor or operator. Always have smaller amounts set aside for payments like these.

Inheritance

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            An inheritance scam occurs when a fraudster reaches out to you unexpectedly, claiming that you are entitled to a substantial inheritance from a distant relative or wealthy individual who has passed away, typically in another country. The scammer may impersonate a lawyer, banker, or foreign official, asserting that the deceased individual had no other beneficiaries. Some scammers may even fabricate a name for your alleged relative, utilizing publicly available genealogy websites to enhance the credibility of their scheme. In some instances, inheritance scams do not involve actual family members, but rather a wealthy individual who purportedly died intestate. The scammers may reference news articles, particularly those related to high-profile disasters, to support their claim that you are legally entitled to a significant sum of money left behind by the deceased individual. The inheritance amount is often inflated, sometimes reaching millions of dollars and denominated in foreign currency. The scammer will inform you that accessing the inheritance is complicated due to government regulations, banking restrictions, or taxes in the country where the funds are held. They will request payment and personal information from you in order to facilitate the transfer of the inheritance. The narratives spun by these scammers can be intricate, with elaborate stories and falsified legal documents, such as power of attorney forms, being used to deceive victims. In some cases, recipients of these scams are lured overseas under the guise of examining documents and receiving the inheritance in person. The scammer may orchestrate an elaborate ruse, complete with a safe purportedly filled with money, in an attempt to further deceive individuals into falling for their fraudulent scheme. It is crucial to remain vigilant and exercise caution when approached with such offers, as falling victim to an inheritance scam can result in financial loss and personal information being compromised.

Solutions

• Beware of tragic deaths and persons looking for help in moving large amounts of money and to fulfill the role of trustee or heir.
• Legitimate estates do not solicit trustees or heirs in this manner and do not promise to carry out the exercise "through the back door".
• If someone promises you a large percent of a fortune for doing little else than provide banking details, it is too good to be true.
• Remember, if it is too good to be true, it probably is not true!

Lottery

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            This fraudulent scheme involves receiving an unexpected email, letter, or text message from a lottery company. The message will inform you that you have won a substantial amount of money or incredible prizes in a lottery or competition that you did not participate in. These scams often utilize the names of legitimate lotteries, making them appear authentic even upon cursory investigation. The communication regarding your supposed winnings will emphasize the need for a prompt response to avoid missing out. This tactic is employed by scammers to prevent you from scrutinizing the situation too closely and potentially uncovering the deception. Additionally, you may be instructed to keep your winnings confidential to safeguard them or prevent others from erroneously claiming your prize. Scammers employ these strategies to dissuade you from seeking advice or information from reputable sources. Typically, you will be required to pay various fees to access your winnings, with scammers citing reasons such as insurance costs, government taxes, bank fees, or courier charges. By continuously requesting these fees and delaying the release of your winnings, scammers profit from your financial losses until you realize the scam. Furthermore, scammers may request personal information to verify your identity as the rightful winner and request your bank account details for prize delivery. These details are exploited by scammers to perpetrate identity theft and drain your bank account of any funds.

Solutions

• Never send money or pay any fee to claim a prize or lottery winnings!
• Do not open suspicious or unsolicited emails... delete them.
• Never reply to a spam email (even to unsubscribe).
• Never call a telephone number that you see in a spam email.
• Never respond to a text message which says you have won a competition that you did not enter.
• Do not click on any links in a spam email, or open any files attached to them.
• If you receive an email, letter or text message telling you that you've won a lottery or a sweepstakes prize... Do not respond.
• Providing personal details such as bank account details will make you vulnerable to having your identity stolen. You may have your bank account cleaned out or a loan taken out in your name.
• Responding to emails through internet links might also threaten your computer security through the use of spyware or malware.
• A lottery or sweepstakes competition will never ask to to send them money or personal details. Don't Do It!

Marriage Fraud

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            Marriage fraud is a prevalent issue in our country, with individuals engaging in various deceptive practices for personal gain. Some perpetrators are motivated by financial incentives, while others seek a better future in a different country. Many of these fraudsters target their victims through online platforms, such as social media and dating websites, where they can easily connect with individuals seeking relationships.It is important to note that while the internet serves as a primary hunting ground for these criminals, they also operate locally to target victims from developed countries like the United States, Australia, Canada, and the U.K. These individuals are often targeted due to their perceived financial stability or the potential opportunity to gain entry into their home countries through marriage. Marriage scammers employ tactics to build trust and emotional connections with their victims over time. They make promises of love and conduct tests to prove the sincerity of their feelings, all in an effort to manipulate their victims. Once the fraudster believes the victim is emotionally invested in the relationship, they will begin to request financial assistance or help with visa applications. Criminals in the Philippines have a wide array of methods to deceive and scam unsuspecting victims. It is crucial for individuals to conduct thorough research and verification before engaging in any online relationships. It is important to exercise caution and refrain from rushing into emotionally charged relationships. While not all women in the Philippines are scammers, it can be challenging to distinguish between genuine individuals and marriage scammers. For many victims, it becomes apparent over time that they have fallen prey to a scam. By then, it is often too late to rectify the situation. Therefore, it is imperative to be vigilant and proactive in identifying potential scammers. Look out for warning signs, such as requests for money, especially under the guise of emergencies. It is essential to exercise caution and not fall for manipulative tactics employed by fraudsters. Seeking assistance in verifying the legitimacy of an individual is highly recommended. This can range from hiring a private investigator to conducting a thorough dating investigation. Additionally, seeking opinions from trusted friends or acquaintances can provide valuable insights into the authenticity of a person. Marriage fraudsters in the Philippines often lead double lives, making it crucial to uncover their true intentions before becoming emotionally hooked and committing to a relationship.

Solutions

• Go slow in your relationship and research your girlfriend's social media for clues of her being a fraudster.
• If she starts asking for money, take that as a large clue there may be something wrong.
• Never send money for an airline ticket for her to join you at home. It is a long and difficult process for a filipino to get a tourist visa to the US or other western countries. Chances are great she is just conning you.
• Contact the Philippines Statistics Authority (PSA) and see if she is married. E-mail: crs.qvu1@psa.gov.ph, crs.qvu2@psa.gov.ph, crs.qvu3@psa.gov.ph
• Hire a private investigator to do a "Dating Investigation".
• If you are being asked for money because an illness or injury, ask for the hospital's name and the name of the victim. Call the hospital and verify. If you don't receive this information... move on.

Money Changing

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            Numerous individuals have fallen victim to a prevalent scam in the Philippines. The initial red flag of the money changing scam in the Philippines is a sign promoting an exceptionally generous exchange rate, significantly higher than the market price. This serves as the bait to lure unsuspecting victims. Money changers are abundant in the Philippines, particularly in Metro Manila. While black market exchange rates may seem appealing, it is crucial to exercise caution when dealing with tellers. Some may engage in deceitful tactics such as stealing a few notes through sleight of hand while counting your money, or substituting bills with lower denominations when you are not paying attention. It is advisable to have your currency exchanged in a secure and well-lit location. Prior to conducting any transactions, verify the conversion rate as some may utilize counterfeit calculators. Additionally, clarify any commission charges before proceeding with the exchange. Always count your money before handing over your currency and immediately after receiving your pesos. The allure of obtaining a favorable exchange rate often blinds tourists to the risks associated with exchanging money at small stalls rather than reputable institutions like banks or hotels where rates are typically lower. At these stalls, vendors typically accept your foreign currency, count out the corresponding amount of Philippine Pesos on a bench in front of you, and then secure the cash with a rubber band. Many tourists leave location, only to later discover they have been shortchanged. This is because vendors may discreetly push notes through a narrow opening in the bench or drop them onto the floor while sweeping the money away. To avoid falling victim to such scams, it is recommended to count your money in front of the vendor before departing. For added security, it is best to avoid small money changers altogether and opt for conducting currency exchanges at established financial institutions.

Solutions

• Try to use Banks, Mall Exchanges, or hotels instead of small hole in the wall exchanges using black market rates.
• Verify the exchange rate and compare to other vendors.
• Use your phone's calculator to verify they are giving you the rate specified.
• Always count the pesos you receive immediately in front of the vendor. If it not accurate, ask them to fix it or get your home currency back. If they refuse... call the police.
• If the vendor counts the money then "sweeps" it back towards him/her self before handing it to you.. ask to have it counted again.

Online Payment Or Money Transaction

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            When conducting online transactions, it is crucial to be vigilant about safeguarding your personal and banking information. Scammers are constantly on the lookout for opportunities to intercept this data and exploit it for their own gain. Before making any advanced payments for a job, shopping, lottery, or online purchase, it is imperative to verify the legitimacy of the company and the money transfer service involved. Take the time to research their credentials, read reviews for online shopping sites and money transfer agencies, and check their registration status on government websites if they are unfamiliar to you. Only engage with companies and money transfer services that are duly licensed, registered, or authorized to operate. For businesses claiming to be based in the United States, you can verify their status through the U.S. Securities and Exchange Commission using their legal name. Similarly, for United Kingdom-based businesses, consult the Financial Conduct Authority (FCA) for confirmation. In the Philippines, ensure that money transfer companies or pawnshops are licensed and authorized by the Bangko Sentral ng Pilipinas (BSP) by contacting the BSP Consumer Protection and Market Conduct Office. It is important to remain cautious as scammers are adept at creating convincing facades, such as using authentic-looking company letterheads and directing you to seemingly secure websites. If you receive any communication regarding your financial details, consult your bank to confirm whether any unauthorized transactions have occurred. In the case of a check payment, it may take a few days before you realize that the check is fraudulent or that there are insufficient funds in the account, resulting in a bounced check.

Solutions

• Do not accept checks with excess payment.
• Verify the credentials of the company and the money transfer service you are using.
• Never rely to a request from a financial institution without first contacting it directly.

Pickpockets

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            One incident that remains close to my heart is when I fell victim to pick pocketing in Manila several years ago. While the monetary loss was minimal, the time and effort required to contact my bank and other institutions in the United States to cancel my credit cards, order new ones, and have them shipped to the Philippines was a true ordeal. For those navigating the bustling streets of Manila, particularly in Divisoria, and in Cebu, especially in the Carbon Market area, it is crucial to exercise extreme caution. Pickpockets are prevalent in these crowded areas, employing various tactics to distract and deceive unsuspecting individuals. It is advisable to keep your wallet in your front pocket at all times to minimize the risk of theft. Pickpockets often use tactics such as bumping into you or creating diversions like dropping items in front of you to steal your money or cell phone. They are adept at swiftly executing their schemes, making it imperative to remain vigilant. In some cases, pickpockets may resort to slashing bags with razor blades to access their contents or severing bag straps to make a quick getaway. Leaving valuables such as purses, wallets, or cell phones unattended on tables poses a significant risk, as pickpockets are known to seize such items swiftly and abscond. It is essential to maintain constant vigilance over your possessions and refrain from leaving them unattended.

Solutions

• Avoid distractions when in a public area. If someone does something that seems like a distraction, they might be after your money or possessions.
• Stay alert and keep an eye on your valuables. If possible, only bring a small amounts of cash when outside.
• Use an anti-theft bag if possible with strong hard to cut straps or use a money belt.
• When wearing a shoulder bag, keep it in front of you! Never on your side or back.
• Try not to carry your wallet or cell phone in your rear pockets, carry it in a front pocket or use a shoulder bag and carry that in front of you.

Romance and Love

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            Attention all male expats: Beware of the following scam, as it has the potential to not only cost you a significant amount of money, but also lead to severe heartbreak. Romance scams are designed to exploit your romantic and compassionate nature, manipulating your emotions in order to extract money, gifts, or personal information from you. Scammers often create fake profiles on reputable dating websites, sometimes even using photos of well-known Philippine actresses to deceive their victims. Once they establish contact with you, scammers will quickly profess strong feelings and attempt to move the relationship off the dating platform and onto more private forms of communication, such as phone calls, emails, or instant messaging. Claiming to be working overseas, scammers will go to great lengths to gain your trust, sharing personal details and even sending small gifts. They may spend months building what appears to be a genuine and loving connection, only to eventually ask for money, gifts, or sensitive financial information. These requests may come in various forms, such as claiming to be in dire financial straits or needing assistance with a family member's medical bills. In some cases, scammers may initially send a gift before revealing a large sum of money they need help transferring out of their country, offering to share it with you in exchange for your banking details or money to cover fees and taxes. Scammers often resort to claiming they have fallen ill or been involved in a serious accident as a means to deceive individuals. They may request money to cover medical expenses or travel costs, often citing difficulties in obtaining a US tourist visa. In some cases, individuals may even receive communication from someone posing as the scammer's doctor. Regardless of the method used, falling victim to such scams can result in significant financial loss. It is common for people to sympathize with those who have been defrauded, yet many fail to take necessary precautions to protect themselves, often believing they are immune to such schemes. I have personally witnessed several instances where men have been deceived by Filipinas, leading to a deep-seated resentment towards the Philippines and its people. Unfortunately, much of the blame lies with the victims' own carelessness, allowing their emotions to override their better judgment. I recall a friend whom I repeatedly warned about being exploited financially by his supposed "angel." Despite my efforts, he dismissed my concerns and continued to lavish her with expensive gifts and money. It was only after a year and a half that he discovered she was married and had been scamming multiple men simultaneously. Our friendship suffered as a result, likely due to his embarrassment, though I never once uttered an "I told you so." Taking precautions is essential when engaging in romantic relationships, particularly when dating a Filipina. The majority of Philippines romance scams involve Filipina women targeting foreigners, particularly men from English-speaking, affluent countries such as the United States, the U.K., Australia, and New Zealand. These individuals are often the preferred targets of such scams. A valuable lesson to remember is to not wait for a warning sign. Many victims only realize they have been deceived after suffering significant financial losses. When engaging in an online or long-distance relationship, it is crucial to be mindful of the potential for deception and hidden agendas that can arise when partners are physically separated by great distances. It is important to recognize the warning signs that may indicate dishonesty or ulterior motives, particularly when involved with a Filipina partner or when observing someone else's relationship with a Filipina. The one thing to keep in mind though is that only a very small percentage of Filipinas are scammers! Just stay vigilant and careful for the signs of the bad ones. Here are some things to watch for . . .

Repeated Hardship Claims

The Philippines not being as wealthy as developed countries, and many people living in hardship situations, they may try to obtain money any way they can. In many fraud cases there is a pattern of difficult circumstances that seem to never end. Usually, their goal is to request financial assistance, or to make their victims offer it voluntarily. Most people are willing to do what they can to help, and romance scammers exploit this to an art.

Sudden Disconnections or The Impossibility to Communicate During Certain Times

In many of the cases, the fraudsters tell their online partner that they are unable to communicate during certain moments of the day, or during long periods (like a whole week) or suddenly disconnect and do not call back. This can be a strong indication that they are married and have a family, or that they are communicating with other foreigners (to scam them also). If this happens frequently, you might be just another of their victims and use extreme caution.

The Relationship Moves Forward Too Fast

When dating online, skepticism is your best friend. Love at first sight sounds romantic and magical and it can happen (as it did for me), but it can also just be a lie. Take your time and investigate the truth.

Protect Yourself

When first meeting with a filipina, always consider the possibility that the approach may be a scam. Try to remove the emotion from your decision making no matter how loving, caring, or persistent they may seem. Talk to an independent friend or relative and do your own social media research of your new found love. If you need help, ask others to help. Do not feel guilty doing this. If she is a scammer, it will save you a lot of money, time and heartbreak. If it turns out she is legitimate and not a scammer, she will understand as this type of scam is a well know practice. Remember the scammers are only a very small percentage of the wonderful woman available here, but you do need to be careful. Think twice before sending money to someone you have only recently met or have not met in person. Never give out credit card numbers or online account details to anyone by email or while chatting, especially to someone you don't know well. Also be very careful about how much personal information you revile and share on your social network sites. Scammers use your information and your pictures to create a fake identities or to target you with a scam. If you agree to meet in person, tell your family and/or friends where you are going especially for overseas travel. Avoid any arrangement or agreement with a stranger that asks for up-front payment via money order, wire transfer or international funds transfer. It is rare to recover money sent this way. If you think you have provided your account details to a scammer, contact your bank or financial institution immediately for a solution.

Solutions

• Slow down and investigate any online relationship. It is easy to conned from someone thousands of miles away.
• Immediately assume you are being scammed if you are asked for money for an illness or other financial hardship.
• Never send money to someone who says they want to come to your country to visit. Tourist visas to the US and most western are difficult to get unless the person has strong ties to the Philippines, like owning property, large amounts of money in the bank, work, or businesses to guarantee their return back to the Philippines.
• If you suspect someone and need help investigating, hire an investigator and have them preform a "dating Investigation".
• Ask other's (such as other expats living in the area) to help determine if this person is legit.
• Contact the Philippines Statistics Authority (PSA) and see if she is married: E-mail: crs.qvu1@psa.gov.ph, crs.qvu2@psa.gov.ph, crs.qvu3@psa.gov.ph
• When you first get into a relationship, use your logic and wisdom... NOT your heart or emotions until you really know this person and her and intensions.

SIM Swap Scam

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This type of scam is commonly referred to as the "palit SIM" scam. SIM swapping has emerged as a new form of online fraud in the country. Scammers often pose as legitimate mobile companies or authorized representatives in order to deceive individuals. They will approach you with an enticing offer to switch your telecommunication provider, which is likely not legitimate. If you agree to the switch, they will offer to replace your sim card and set everything up for you. However, the problem arises when they retain your old sim card. In some cases, they may switch it for another if you request its return. Once they have your old sim card, they can insert it into a phone to access your personal information, including bank account and credit card details. Another tactic scammers use is to impersonate large telco agents and offer to "upgrade" your SIM card to enhance network connectivity or provide access to a superior network. Similarly, once they have retrieved the necessary information from your phone, they will reset your online banking user ID and password. Subsequently, they will use this information to transfer funds from your bank account to anonymous digital wallets.

Solutions

• Never change your cell phone sim on a request from another person. Only from a legitimate cellular company.
• Ask to see Identification if they say they represent a telecom company.
• Always retrieve your old sim during any replacement. Watch that is is not switched for another.
• Best use.. never put your banking details on your phone!

Spiked Drinks

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It is imperative to be cautious of criminals who may add knockout drugs, such as Ativan, to drinks or food in order to subdue and rob their victims. Therefore, it is highly recommended to refrain from accepting food, drinks, or rides in private vehicles from strangers, even if they seem trustworthy. It is crucial to never accept drinks from unfamiliar individuals or leave your drinks unattended. While the Philippines boasts an incredible nightlife, it is essential to exercise caution and avoid accepting drinks from anyone except a bartender, especially someone you have just met. If someone offers to buy you a drink, always remain vigilant during the purchase and delivery process. If your drink is ever out of sight, even for a brief moment, it is best to refrain from consuming it. Individuals who have been dosed with drugs may become incoherent, making it easier for criminals to steal their belongings, money, and potentially cause harm. Therefore, it is vital to always be mindful of accepting drinks from unfamiliar individuals. Though this is not common in the Philippines, your safety should always be a top priority.

Solutions

• Never accept drinks from people that you don't know or leave your drinks unattended!
• Always watch you drinks from the time they are made until you have finished them.
• If after having a drink and you don't feel right. Let someone responsible know immediately.

Taxi

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NAIA taxi drivers have gained a reputation for taking advantage of tourists by overcharging them. It is illegal for drivers to turn off their meters and demand exorbitant fares from passengers but many do. To avoid falling victim to these scams, it is recommended to book cabs through the designated taxi terminals located at the airport departure areas. Upon booking, a terminal employee will record the cab number, passenger names, and destination to ensure a fair and proper fare is charged. Unfortunately, instances of taxi drivers shutting off their meters and demanding inflated fares upon arrival at the destination are not uncommon. In such cases, passengers are advised to assert their rights by informing the driver of the correct fare and documenting the incident by taking a photo of the driver and cab license number. Threatening to report the driver to the Land Transportation Franchising and Regulatory Board (LTFRB) can often lead to a quick resolution, as was the case in my personal experience. It is important to stand up against these dishonest practices to protect both yourself and other travelers from falling victim to such scams.

Solutions

• I you see the meter turned off or being turned off. Demand to be let out of the cab immediately. Don't pay a peso!
• Take a picture of the driver if possible and note the cab company's name and GET THE LICENSE PLATE NUMBER! You can't report him if you don't know who they are!
• Hold the driver accountable by threatening or actually reporting him to the "Land Transportation Franchising and Regulatory Board" (LTFRB) at this number: 0921 448-7777.
• Book a Grab instead of hailing the white taxis that will try to charge unbelievable fares many times. The yellow airport taxis are good as NAIA accredits them, however they have a higher flag-down rate.
• Never enter a taxi if there is anyone other than the driver in it.
• Check that the doors can be locked and opened from the inside.
• Check the back seat to make sure that no-one is hiding on the floor.
• Always demand that the meter be used.
• When driving in the city, make sure that the doors are locked and the windows rolled up.
• If the driver is unwilling to comply with your requests, get another cab.

Water Sports and Motorcycle Hire

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In beach resort destinations such as Boracay, Palawan, Cebu, and Bohol, many tourists hire motorbikes to explore these peaceful and beautiful locations, or participate in water sport activities such as jet skiing and wind surfing. Unfortunately, it's very easily for them to be scammed. The most common way is renting a motorbike or water sport vessel, and they don't notice it's covered by several subtle pieces of tape. Hidden under that adhesive is pre-existing damage. Once you return the bike or jet ski, the scamming vendor will surreptitiously remove the tape, claim you just caused that damage, and then hand you an enormous bill for repairs. When I rent any motor vehicle, I am always very careful to inspect it for any tape or damage and then take extensive photos of it from every angle, or take a video, which I save in my phone.

Solutions

• Before renting and accepting any type vehicle, always scrutinize it top to bottom. Take pictures or a video of any and all issues or damage, no matter how small. Date stamp the pictures for proof of when they were taken or if using a video, verbally say the time and date and that you are taking the initial inspection before taking the rental.
• Insist any areas with tape over them be revealed for damage underneath.
• If the vendor refuses to comply with any of the requests, move on and refuse to rent or you may be held liable for damage you did not cause.

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I have always felt safe here in the Philippines, but I am always cautious.

Just some final advice...

Always Be Wary Of Your Surroundings

Whether you are inside a shopping mall or other large public location, always stay alert and focused on the things that are happening around you. This will help you avoid scams and schemes that might ruin your day. Though sometimes it is easier said than done, and given that you are excited for your trip, common sense and wisdom should still be prevail! If you are inside a taxi, you might want to consider using Google Maps so that you know where you are because sometimes the taxi driver may take longer routes to have you pay more! You can also take note or a picture of his plate number and taxi details in case something goes wrong as well!

Keep Your Belongings Close

Because of the economic conditions here, theft is common. One of the best ways to avoid trouble is to keep your important things near to you and never ever leave them unattended, not even for a second! If you are going to a very crowded area, it is best that you go with a family member or someone you know that is familiar with the area so to avoid pickpockets and the various types of scammers.

Here are some contact numbers that may help . . .

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Transportation Issues

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Investment/Cybercrime/Criminal Cases

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Fraud, Scams Related to Lending and Investment with SEC Registered Companies

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            In conclusion, Filipinos are known for being some of the kindest and friendliest people in the world. It's common for them to regularly send money to loved ones and help those in need, even when they don't have much themselves. However, there are scammers out there who are becoming more sophisticated and are always on the lookout for their next victim to take advantage of their kindness. When sending money to the Philippines, it's important to always do your research and be cautious of potential scammers. A little bit of vigilance can go a long way in protecting yourself from losing money and experiencing heartbreak.