Category Archives: Scam

A Contract


Myself

By T. V. Antony Raj

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During the Prime Minister’s short stay in his homeland, tenders were called from worldwide private sector firms, for painting his official residence and principal workplace.

The three highest quotes received were from China (US$ 5 million), Japan (US$ 15 million) and from France (US$ 45 million).

During his next jaunt abroad, needless to say, the Prime Minister visited the three painting firms in China, Japan and France to ask them the basis for their quotes.

The head of the Chinese People’s Cooperative Painting Consortium said, “Paint: $2 million; Labour: $2 million, and Profit: $1 million.”

The head of the Japanese Painting Company said, “Paint: $6 million; Labour: $6 million; and Profit: $3 million.”

The head of the French Gaul Sablage et Peinture Industrielle said, “For you in Swiss Bank: $20 million; For us: $20 million; and $5 million to the Chinese People’s Cooperative Painting Consortium for the painting work.”

Guess who got the contract!

The Nigerian “Help Me!” Scams


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Myself . 

By T.V. Antony Raj

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Have you received any letter written by a poor person asking for money? If so, beware! This is could be the prelude to “The Begging-Letter” scam.

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Nigerian Cyber Scammers (Source: http://antifraudintl.org/)
Users in a computer kiosk in Lagos, Nigeria. (Source: http://antifraudintl.org/)

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Now, the internet and mobile phones are a boon to the scammers as they provide a vehicle to convey their blatant solicitation by email and SMS.

The present day “help me” letters are variants of the confidence trick known as the ‘419 Scam’ perpetrated by the Nigerian Scammers. The number 419 refers to the article of the Nigerian Criminal Code dealing with fraud. It is found in Chapter 35 – “Offences analogous to Stealing” under the laws of the Federation of Nigeria.

A variation to this begging letter is the advance fee scheme in which a letter through traditional mail or email, offers the recipient the “opportunity to share” in a percentage of millions of dollars that the author, a self-proclaimed government official, is trying to transfer illegally out of Nigeria, or the family member or a kin of an affluent person who had met with a tragic accident, requesting help recover the money of their parents or kin from banks, etc. The author encourages the recipient to send information such as bank names and account numbers; facsimile of passport, driving licence, for identifying information; blank letterhead stationery of the recipient; and of course, an advance to defray the cost of expenses incurred for legal expenses, payment of taxes, bribes to bank and government officials with the promise that all expenses will be reimbursed as soon as the funds are spirited out of Nigeria.

Though most law-abiding citizens are not impressed by such invitations, millions of dollars are lost to these schemes annually. Once the victim who falls for these schemes wakes up and stops sending money, the perpetrators use the personal information they received to impersonate the victim to drain the bank accounts.

The Nigerian government is not sympathetic to the victims who have actually conspired to remove funds from Nigeria violating section 419 of the Nigerian criminal code.

While the scam is not limited to Nigeria, the name “Nigeria” has become associated with almost all types of email frauds, and that nation has earned a reputation for being a center of email scam crimes.

In countries other than those in western Africa, a smart person with technical skills can find work in the electronics field and earn by helping their relatives, friends, neighbours, and acquaintances keep their computers running. Some even design websites to sell useful products. But the average Nigerians, have fewer opportunities, and they almost starve. So, most teenagers learn to fix things that are dumped. Soon after they learn to code and try to outsmart other people using their computers.

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Nigerian scammers (Source - httpgoodmenproject.com)
Nigerian scammers (Source: httpgoodmenproject.com)

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Years ago, at the very beginning, these scammers were viewed as modern day Robin Hoods in the back streets of Lagos, the center of the cyberscam universe, in the land of chronic unemployment. They were appreciated and lauded in popular music for swindling money from the undeserving outside the poor western Africa and thereby enriching themselves. The girls were eager to date them.

Genuine Nigerian businessmen had to bear the brunt of the sins committed by these scammers known as “Yahoo boys“.

Now, many ISPs restrict sending mass email if they originate from a sub-Saharan country. Many e-commerce sites block Nigerian ISPs. The Nigerian government, acceding to the request of the legitimate tech industry in the country, is tracking and cracking down on the scammers, now living underground.

Scammers in other nations such as Benin, India, Ivory Coast, Pakistan, Russia, the Netherlands, the United States, South Africa, Spain, and Togo, also have got into the game.

Below are two mails that were in circulation as far back as 2002.

SGT. IDRIS LAWAL (RTD).

IKEJA MILITARY CANTONMENT

LAGOS, NIGERIA.

SOLICITING FOR HELP.

I am Sergent Idris Lawal (rtd). I heartily beg for your help. We were retired voluntarily by the commander in chief of armed forces of the country, Ibrahim Badamasi Babangida during his tenure as president and commander in chief of the armed forces. Since then we have been living in the military barracks waiting for our benefits.

Some weeks ago fire gulped the armory section in the barracks and everywhere caught fire. The entire barracks exploded and many people lost their lives. The death toll was about 2000, while some were rendered homeless. Right now we have lost all we had, property, shelter, clothing, everything.

My wife and my two kids managed to survive,. Right now they are in the hospital. One of them needs surgery on her face. We have been advised by the hospital to pay the sum of N5,000,000.00(NAIRA) which is about US$50,000.00 to commence this operation. My inability to raise the said amount, keeps me in a state of frustration. We have access to computer. That is the only thing our government did for us.

I beg you in the name of GOD to kindly assist us with any amount of money to enable us to carry out this operation. Your assistance will highly be appreciated.

Please help us. God will bless you abundantly.

We await you response.

Sgt. Idris Lawal (rtd).

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N.G.O. Registration No. D.S.W./1379

Certificate of Incorporation No.G-7206

Dear Sir/Madam,

We are the CHILDREN POSTRITY AID, a non profit, non sectional, non political N.G.O based in the Aplaku Village, located in the Greater Accra Region of Ghana.

OUR OBJECTIVES ARE AS FOLLOWS:

A. What is of paramount importance is our obligation to pay  the cost of educating the children when the parents are unable to, and fight against

HIV/AIDS in Ghana and Africa as a whole.

B. We advocate the rights o children in the line with international conventions

C. We protect the rights of children through a long term plan of building their capacity.

D. We provide self reliance at adulthood through career development and technical skill training.

E.  We protect the lives of the children against  S.T.D and HIV-AIDS pandemic.

E.  We raise consciousness about the effects on environmental degradation on economic development.

C.P.A. would really appreciate your views and thoughts of the above mentioned objectives as C.P.A. believe very strongly in bringing joy into the faces of under-privileged, deprived, refugees, able and disabled children in Ghana and other parts of Africa.

C.P.A. is writing to your organisation primarily to affiliate with your honourable organization to work together to help these children to be what God wants them to be. Please, these 483 children, made up of Ghanaian and Liberian refugee’s children, lack educational logistics such as  children’s literature books, computer books, used computers, educational toys, children’s clothing and any thing that will be of a great help to these children that none of us doesn’t know what they will be come in posterity.

I thank you so much in anticipating for your prompt reply.

Yours in the Lord’s Vineya

JONAS APPIAH.

(PROJECT DIRECTOR)

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Here is another interesting email I received at the beginning of this month. An appeal, almost a love letter, that addresses me as “dearest One!!!

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As-Salam Alyikum dearest One!!!

sonia

To

2 Dec

As-Salam Alyikum dearest One!!!

Please I apologies to you to exercise a little patience and read through my letter I feel quite safe dealing with you in this important business having gone through your remarkable profile, I will really like to have a good relationship with you and I have a special reason why I decided to contact you, I decided to contact you due to the urgency of my situation, My name is Sonia Aisha Khorovani Ahmed,24yrs old female and I held from Somalia in Eastern Africa.

My father {Late Mr.Khorovani Ahmed} was the former Somalia road Minister. He and his assistant Minister of Home Affairs Mr .Lorna Laboso had been on board the Cessna 210which was headed to Kericho and crashed in a remote area called Kajong’a, in western KENYA on one of his trip.I truly miss him,It’s painful to lose loved ones but life always has a meaning to be fulfilled according to God’s Plans.

After the burial of my late father,my stepmother and my uncle conspired and sold my father’s property which the shared the money among themselves and left nothing for me.On one faithful morning, I opened my father’s briefcase and found out the documents which he used to deposited huge amount of money in one of the leading with my name as the next of kin.

I traveled out side my country trying to contact the bank to withdraw the money for a better life so that I can take care of myself and start a new life, but it was my surprise that the Bank Director whom I have been contacting on this matter,told me that my father’s given instruction to the their bank that the money would only be release to me when I am married or if I could present a trusted foreigner partner who will help me and invest the money overseas.It was only on this vian I chose to search of an honest and reliable person who will help me and stand as my foreign trustee so that I will present him to the Bank for transfer of the money to his bank account overseas. I have chosen to contact you after my prayers and I believe that you will not betray my trust, God willing.

You may wonder why I am so soon revealing myself to you without knowing you,to me I will say that my spirit convinced me that you may be the true person to help me,  The amount is( $7,500,000.00 USD Seven Million five hundred thousand United State Dollars, and I have confirmed from the bank that they will transfer the money as soon as I present a reliable foreign trustee.

If you can help me on this matter,you will also help me to place the money in a good profitable business venture in your Country or any place of your choice.  you will help by recommending a nice University in your country where I can complete my studies. However,it is my intention to compensate you with 30% of the total money for your efforts and kindness of services and the balance shall be our capital in establishment of our investment.

Please understand that,I am giving you all this information due to the trust I deposed on you and I would never want you to reveal this matter to any other person for now even to your best friend, what I mean here is that you should, Please do keep this matter to your self for now until the bank will transfer the fund.I hope you will understand me?

I like honest and truthful person, Angryand “LIES” I hate On our relationship, hence I am always very-extra-careful in my relationship with people as I always look forward to obtain good potential carrier as well if not death of my late father.

As soon as I receive your positive response showing your interest,I will inform the bank that am ready to present the foreign trustee who will receive the fund on my behalf and would also send you the bank details, Therefore, please do not fail to respond this message as soon as possible.

Yours

Miss.Sonia Aisha.Ahmed.

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In early October 2015, I received from a so-called “Rose Dion”. At first, she sent a friend request on Facebook page. I sent her a message saying that since she did not provide me sufficient details of herself I could not accept her as a friend on Facebook. Then on October 12, 2015, I received the following letter:

Rose Dion <rosedion24@hotmail.com>
12/10/15to me
Hello my dear
I am glad to write to you, how are you once again? I hope you are fine,
I thank God for you. Your message was a total relief to me. May God protect you for me because he is the one who brought you in my life. I will like him to make a way for you, my dear, i love the way you sound to me, and i will like you to help me to come out of this camp so that i come to your country and have a free life.In this camp, We are many living as refugees and our freedom is restricted because we do not have any traveling paper. It is just like one staying in the prison and i hope by Gods grace I will come out of here very soon. At the moment, i do not have any relative whom i can go to, all my relatives ran away in the middle of the war. The only person i have now is Reverend (Charles Anthony) who is the Reverend Minister in charge of the church here in the camp ( Eglise St; Paul grand yoff Dakar Senegal). He has been very nice to me since I came here but I am not living with him rather I am living in the woman hostel because the camp have two hostels one for men the other for women.

The Rev telephone number(+221763971460) His Email ( rev.charlesantonyholy@ymail.com ) I will like you to call him if you call tell him that you want to speak with me (Miss Rose Dion) he will send for me from female hostel to come and answer your call, since i don’t have tel phone of my own here, remain that i explained to him all your effort to free me out of this condition so fill free to call him by 12: pm GMT, to speak with me.As a refugee I do not have any right or privilege to any thing be it money or whatever because it is against the law of this country. Meanwhile, i am communicating with you through the Reverend Computer because is the only means we can communicate to each other .

Again I do not work nor do anything for living as a result of eating is very difficult for me as we are given food ones a day by 12 PM. And is too had for me here, I want to go back to my studies because i only attended my first year before the tragic incident that lead me to being in this situation now, i really want to come over in your country to be with you to live the rest of my life with you and have a free life, Please dear listen to this,i have my late father statement of account and death certificate with me here which i will send to you latter,because when my father was alive he deposited some amount of money in a leading bank in Europe which he used my name as the next of kin,

the amount in question is $4.9M(four Million Nine Hundred Thousand Dollars) I have informed this bank about my intention to claim my late father deposit and the bank said that i most to provide a foreign partner who will assist me in the transfer due to my refugee status here in Senegal. as a refugee i am not allowed direct claim of the money but through an appointed representative to the united refugee law governing, So i will like you to help me transfer this money to your account and from it you will send some money for me to get my traveling documents and air ticket to come over to meet with you.I kept this secret to people in the camp here the only person that knows about it is the Reverend Father because he is like a father to me.

So in the light of above i will like you to keep it to yourself and don’t tell it to anyone for i am afraid of loosing my life and the money if people gets to know about it.Remember i am giving you all this information due to the trust i deposed on you in other to help me get my freedom here to come over in your country for a better future.I like honest and understanding people,truthful and a person of vision,truth and hard working. Meanwhile I will you to send me your contact information such as your Age …..Your full name….Country&City…..Phone number…..so that i will get to know you well My favorite language is English , i speak English very fluently because both my father and mother studied in Europe .
.Mean while i will like you to call me like i said i have allot for you,
Have a nice day and think about me.
Awaiting to hear from you soonest.love and kiss
Yours.Rose Dion

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I replied:

From this message, I can see that you are fraud. I have received many other letters like this, but I must give credit to you for your letter is somewhat convincing but not enough.

So, please don’t try to  contact me again. 

Your letters will hereafter go to the trash bin.

Have you received any similar email? Were you tempted to respond to them? Did you respond and burnt your fingers?

Beware!

 

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“The Begging-Letter Writer” – an Article Written by Charles Dickens


The Begging-Letter Writer – A short story by Charles Dickens.

Myself . 

By T.V. Antony Raj

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Lately, did you receive any email or posts on the social networks asking for money? If so, beware! This is could be the prelude to “The Begging-Letter” scam.

In a begging letter, a person claiming to be poor, or impoverished due to prevailing circumstances begs for money or help, from a rich person or a philanthropic organization. The writer asks for monetary assistance to meet the expenses for an emergency surgery, money for orphaned children, help to recover the money of their parents or kin from banks, and often offer a percentage of the recovered sum.

These begging letters are not new. Even as far back as the late 19th century scammers sent begging letters by traditional mail.

The Begging-Letter Writer” an Essay by Charles Dickens

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Charles Dickens (1812-1870) (Source: Jeremiah Gurney / Heritage Auction Gallery)
Charles Dickens (1812-1870) (Source: Jeremiah Gurney / Heritage Auction Gallery)

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From the time Charles Dickens rose to fame with The Pickwick Papers, he was constantly plagued by begging-letter writers. In May 1850 edition of Household Words (Volume I, Magazine: No. 8), Dickens wrote an essay titled “The Begging-Letter Writer” wherein he describes examples of the many begging letters he had received over the years, and the ruses employed by their writers to gain funds from the recipients.

John Forster (1812–76)

John Forster (1812–76), a noted biographer, critic, essayist and historian, met Charles Dickens in 1836 while they worked as young journalists for the ‘True Sun‘. Forster became Dickens’ closest friend and trusted adviser. Dickens appointed him as his literary executor. After Dickens’ death, Forster published a biography of Charles Dickens in three volumes (1872–4).

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John Forster - Oil portrait by Charles Edward Perugini
John Forster – Oil portrait by Charles Edward Perugini

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In Volume 2, Ch. 8, Forster commented that there is not ‘a particle of exaggeration‘ in Dickens’s description of his victimization as narrated by him in “The Begging-Letter Writer“:

Once he [Daniel Tobin] wrote me rather a special letter, proposing relief in kind. He had got into a little trouble by leaving parcels of mud done up in brown paper, at people’s houses, on pretence of being a Railway-Porter, in which character he received carriage money. This sportive fancy he expiated in the House of Correction. Not long after his release, and on a Sunday morning, he called with a letter (having first dusted himself all over), in which he gave me to understand that, being resolved to earn an honest livelihood, he had been travelling about the country with a cart of crockery. That he had been doing pretty well until the day before, when his horse had dropped down dead near Chatham, in Kent. That this had reduced him to the unpleasant necessity of getting into the shafts himself, and drawing the cart of crockery to London — a somewhat exhausting pull of thirty miles. That he did not venture to ask again for money; but that if I would have the goodness TO LEAVE HIM OUT A DONKEY, he would call for the animal before breakfast!Forster adds, “for much of what he suffered he was himself responsible, by giving so largely, as at first he did, to almost everyone who applied to him“.

In the next paragraph, Dickens describes the case of John Walker, to whom Dickens had given money several times in 1844.

At another time, my friend (I am describing actual experiences) introduced himself as a literary gentleman in the last extremity of distress. He had had a play accepted at a certain Theatre — which was really open; its representation was delayed by the indisposition of a leading actor — who was really ill; and he and his were in a state of absolute starvation. If he made his necessities known to the Manager of the Theatre, he put it to me to say what kind of treatment he might expect? Well! we got over that difficulty to our mutual satisfaction. A little while afterwards he was in some other strait. I think Mrss . Southcote, his wife, was in extremity — and we adjusted that point too. A little while afterwards he had taken a new house, and was going headlong to ruin for want of a water-butt. I had my misgivings about the water-butt, and did not reply to that epistle. But a little while afterwards, I had reason to feel penitent for my neglect.

Walker continued to write begging letters, which Dickens ceased to answer until he got one telling him that Walker’s wife had died and begging ‘a few crumbs from your table‘ to feed the children. Dickens sent his brother Fred to check whether Walker was really in distress.

He wrote me a few broken-hearted lines, informing me that the dear partner of his sorrows died in his arms last night at nine o’clock!

I despatched a trusty messenger to comfort the bereaved mourner and his poor children; but the messenger went so soon, that the play was not ready to be played out; my friend was not at home, and his wife was in a most delightful state of health. He was taken up by the Mendicity Society (informally it afterwards appeared), and I presented myself at a London Police-Office with my testimony against him. The Magistrate was wonderfully struck by his educational acquirements, deeply impressed by the excellence of his letters, exceedingly sorry to see a man of his attainments there, complimented him highly on his powers of composition, and was quite charmed to have the agreeable duty of discharging him. A collection was made for the ‘poor fellow,’ as he was called in the reports, and I left the court with a comfortable sense of being universally regarded as a sort of monster. Next day comes to me a friend of mine, the governor of a large prison. ‘Why did you ever go to the Police-Office against that man,’ says he, ‘without coming to me first? I know all about him and his frauds. He lodged in the house of one of my warders, at the very time when he first wrote to you; and then he was eating spring-lamb at eighteen-pence a pound, and early asparagus at I don’t know how much a bundle!’ On that very same day, and in that very same hour, my injured gentleman wrote a solemn address to me, demanding to know what compensation I proposed to make him for his having passed the night in a ‘loathsome dungeon.’

Have you received any similar email?
Were you tempted to respond to them?
Did you respond and burnt your fingers?

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Hoodwinking the Innocent in the Name of Jesus and The Holy Spirit


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Myself 

By T.V. Antony Raj

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An innocent Congo boy

In the New Testament in Mark 10:13-16 we read:

People were bringing children to Jesus that he might touch them, but the disciples rebuked them.

When Jesus saw this he became indignant and said to them, “Let the children come to me; do not prevent them, for the Kingdom of God belongs to such as these.

Amen, I say to you, whoever does not accept the Kingdom of God like a child will not enter it.”

Then he embraced the children and blessed them, placing his hands on them.

The Democratic Republic of the Congo
The Democratic Republic of the Congo

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In the Democratic Republic of the Congo self-styled pastors hoodwink ignorant rural folk using the name of Jesus and the Holy Spirit. These criminals who call themselves “pastors” resort to so-called “exorcism” of infants and children to fatten themselves by levying a high fee equal to US$50 or more to drive out the evil spirits in the innocent children. The government officials in Congo do not bother to intervene and arrest these extortionists because they receive their kickbacks under the table.

In India too, there are in every nook and corner, many crooked Christian pastors such as these, who inveigle ignorant people to their churches and fleece them in the name of Jesus and the Holy Spirit.

These felons should be stripped bare and molten lead should be poured into their blasphemous mouths for Exodus 20:7 says:

You shall not invoke the name of the LORD, your God, in vain. For the LORD will not leave unpunished anyone who invokes his name in vain.

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Did You Receive Any Scam E-Mail Lately? Did You Respond to It?


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Myself 

By T.V. Antony Raj

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On August 15, 2012, I posted an article titled “Ontario Lottery Corporation Scam” and to date 53,085 visitors to my site have viewed it.

This month alone I have received many scam email:

Jumb scam

 

Norvin Sepulveda scam

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Coca-Cola scam

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Here is another interesting mail I received at the beginning of this month. An appeal, almost a love letter, that addresses me as “dearest One!!!

As-Salam Alyikum dearest One!!!

sonia

To

2 Dec

As-Salam Alyikum dearest One!!!

Please I apologies to you to exercise a little patience and read through my letter I feel quite safe dealing with you in this important business having gone through your remarkable profile, I will really like to have a good relationship with you and I have a special reason why I decided to contact you, I decided to contact you due to the urgency of my situation,My name is Sonia Aisha Khorovani Ahmed,24yrs old female and I held from Somalia in Eastern Africa.

My father {Late Mr.Khorovani Ahmed} was the former Somalia road Minister. He and his assistant Minister of Home Affairs Mr.Lorna Laboso had been on board the Cessna 210,which was headed to Kericho and crashed in a remote area called Kajong’a, in western KENYA on one of his trip.I truly miss him,It’s painful to lose loved ones but life always has a meaning to be fulfilled according to God’s Plans.

After the burial of my late father,my stepmother and my uncle conspired and sold my father’s property which the shared the money among themselves and left nothing for me.On one faithful morning, I opened my father’s briefcase and found out the documents which he used to deposited huge amount of money in one of the leading with my name as the next of kin.

I traveled out side my country trying to contact the bank to withdraw the money for a better life so that I can take care of myself and start a new life, but it was my surprise that the Bank Director whom I have been contacting on this matter,told me that my father’s given instruction to the their bank that the money would only be release to me when I am married or if I could present a trusted foreigner partner who will help me and invest the money overseas.It was only on this vian I chose to search of an honest and reliable person who will help me and stand as my foreign trustee so that I will present him to the Bank for transfer of the money to his bank account overseas. I have chosen to contact you after my prayers and I believe that you will not betray my trust, God willing.

You may wonder why I am so soon revealing myself to you without knowing you,to me I will say that my spirit convinced me that you may be the true person to help me,  The amount is( $7,500,000.00 USD )Seven Million five hundred thousand United State Dollars, and I have confirmed from the bank that they will transfer the money as soon as I present a reliable foreign trustee.

If you can help me on this matter,you will also help me to place the money in a good profitable business venture in your Country or any place of your choice. you will help by recommending a nice University in your country where I can complete my studies. However,it is my intention to compensate you with 30% of the total money for your efforts and kindness of services and the balance shall be our capital in establishment of our investment.

Please understand that,I am giving you all this information due to the trust I deposed on you and I would never want you to reveal this matter to any other person for now even to your best friend, what I mean here is that you should, Please do keep this matter to your self for now until the bank will transfer the fund.I hope you will understand me?

I like honest and truthful person, Angry,and “LIES”I hate On our relationship, hence I am always very-extra-careful in my relationship with people as I always look forward to obtain good potential carrier as well if not death of my late father.

As soon as I receive your positive response showing your interest,I will inform the bank that am ready to present the foreign trustee who will receive the fund on my behalf and would also send you the bank details, Therefore, please do not fail to respond this message as soon as possible.

Yours

Miss.Sonia Aisha.Ahmed.

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Di+ you notice the punctuation and absence of space before the beginning of news sentences in the above letter?

Have you received any similar email? Were you tempted to respond to them? Di you respond and burnt your fingers?

These emails are just preludes to one of the most common types of confidence trick known as the ‘419 Scam’, ‘Advance Fee Scam’, ‘Black Money Scam’, ‘Fifo Fraud’, ‘Nigerian Scams’, ‘Spanish Prisoner Scam’, and by many other names.

Earlier, scammers used traditional mail and fax to perpetrate this form of scam. Now, after the advent of the internet and mobile phones, email and SMS are used blatantly.

The number “419” refers to the article of the Nigerian Criminal Code dealing with fraud. In Chapter 35 – “Offences analogous to Stealing” under the laws of the Federation of Nigeria. Article 419 reads as follows:

419.   Any person who by any false pretence, and with intent to defraud, obtains from any other person anything capable of being stolen, or induces any other person to deliver to any person anything capable of being stolen, is guilty of a felony, and is liable to imprisonment for three years.

If the thing is of the value of one thousand naira or upwards, he is liable to imprisonment for seven years.

It is immaterial that the thing is obtained or its delivery is induced through the medium of a contract induced by the false pretence.

The offender cannot be arrested without warrant unless found committing the offence.

419A.
(1)  Any person who by any false pretence or by means of any other fraud obtains credit for himself or any other person-

(a)  in incurring any debt or liability; or
(b  by means of an entry in a debtor and creditor account between the person giving and the person receiving credit, is guilty of a felony and is liable to imprisonment for three years

  (2)  The offender cannot be arrested without warrant unless found committing the offence.

419B.  Where in any proceedings for anoffence under section 419 or 419A it is proved that the accused-

(a)  obtained or induced the delivery of anything capable of being stolen; or
(b)  obtained credit for himself or any other person, by means of a cheque that, when presented for payment within a reasonable time, was dishonoured on the ground that no funds or insufficient funds were standing to the credit of the drawer of the cheque in the bank on which the cheque was drawn, the thing or its delivery shall be deemed to have been obtained or induced, or the credit shall he deemed to have been obtained, by a false pretence unless the court is satisfied by evidence that when the accused issued the cheque he had reasonable grounds for believing, and did in fact believe, that it would be honoured if presented for payment within a reasonable time after its issue by him.

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While the scam is not limited to Nigeria, the nation has become associated with this fraud and it has earned a reputation for being a center of email scam crimes. Other nations that are known to have a high incidence of advance-fee fraud include Ivory Coast, Benin, Togo, South Africa, Russia, Pakistan, India, the United States, the Netherlands, and Spain.

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Beware of the Age-old ‘Begging-Letter’ Scam!


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Myself . 

By T.V. Antony Raj

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Have you received any letter written by a poor person asking for money? If so, beware! This is could be the prelude to “The Begging-Letter” scam.

In a begging letter, the person claiming to be poor, begs for money or help, usually from a rich person or a philanthropic organization. They ask for monetary assistance to meet the expenses for an emergency surgery, money for orphaned children, or offering a percentage to help recover the money of their parents or kin from banks, etc.

This is not new. Even in the late 19th century scammers sent begging letters scam by traditional mail.

The Begging-Letter Writer” an Essay by Charles Dickens

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Charles Dickens (1812-1870) (Source: Jeremiah Gurney / Heritage Auction Gallery)
Charles Dickens (1812-1870) (Source: Jeremiah Gurney / Heritage Auction Gallery)

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From the time Charles Dickens rose to fame with The Pickwick Papers, he was constantly plagued by begging-letter writers. In May 1850 edition of Household Words (Volume I, Magazine : No. 8), Dickens wrote an essay titled “The Begging-Letter Writer” wherein he describes examples of the many begging letters he had received over the years, and the ruses employed by their writers to gain funds from the recipients.

John Forster (1812–76)

John Forster - Oil portrait by Charles Edward Perugini
John Forster – Oil portrait by Charles Edward Perugini

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John Forster (1812–76) was a noted biographer, critic, essayist and historian. Forster met Charles Dickens in 1836 while both worked as young journalists for the ‘True Sun‘. Forster became Dickens’ closest friend and trusted adviser. Dickens appointed him as his literary executor. After Dickens’ death, Forster published a biography of Charles Dickens in three volumes (1872–4).

In Volume 2, Ch. 8, Forster commented that there is not ‘a particle of exaggeration‘ in Dickens’s description of his victimization as narrated by him in “The Begging-Letter Writer“:

Once he [Daniel Tobin] wrote me rather a special letter, proposing relief in kind. He had got into a little trouble by leaving parcels of mud done up in brown paper, at people’s houses, on pretence of being a Railway- Porter, in which character he received carriage money. This sportive fancy he expiated in the House of Correction. Not long after his release, and on a Sunday morning, he called with a letter (having first dusted himself all over), in which he gave me to understand that, being resolved to earn an honest livelihood, he had been travelling about the country with a cart of crockery. That he had been doing pretty well until the day before, when his horse had dropped down dead near Chatham, in Kent. That this had reduced him to the unpleasant necessity of getting into the shafts himself, and drawing the cart of crockery to London – a somewhat exhausting pull of thirty miles. That he did not venture to ask again for money; but that if I would have the goodness TO LEAVE HIM OUT A DONKEY, he would call for the animal before breakfast!

Forster adds, ‘for much of what he suffered he was himself responsible, by giving so largely, as at first he did, to almost everyone who applied to him’.

In the next paragraph Dickens describes the case of John Walker, to whom Dickens had given money several times in 1844.

At another time, my friend (I am describing actual experiences) introduced himself as a literary gentleman in the last extremity of distress. He had had a play accepted at a certain Theatre – which was really open; its representation was delayed by the indisposition of a leading actor – who was really ill; and he and his were in a state of absolute starvation. If he made his necessities known to the Manager of the Theatre, he put it to me to say what kind of treatment he might expect? Well! we got over that difficulty to our mutual satisfaction. A little while afterwards he was in some other strait. I think Mrs. Southcote, his wife, was in extremity – and we adjusted that point too. A little while afterwards he had taken a new house, and was going headlong to ruin for want of a water-butt. I had my misgivings about the water- butt, and did not reply to that epistle. But a little while afterwards, I had reason to feel penitent for my neglect.

Walker continued to write begging letters, which Dickens ceased to answer until he got one telling him that Walker’s wife had died and begging ‘a few crumbs from your table‘ to feed the children. Dickens sent his brother Fred to check whether Walker was really in distress.

He wrote me a few broken-hearted lines, informing me that the dear partner of his sorrows died in his arms last night at nine o’clock!

I despatched a trusty messenger to comfort the bereaved mourner and his poor children; but the messenger went so soon, that the play was not ready to be played out; my friend was not at home, and his wife was in a most delightful state of health. He was taken up by the Mendicity Society (informally it afterwards appeared), and I presented myself at a London Police-Office with my testimony against him. The Magistrate was wonderfully struck by his educational acquirements, deeply impressed by the excellence of his letters, exceedingly sorry to see a man of his attainments there, complimented him highly on his powers of composition, and was quite charmed to have the agreeable duty of discharging him. A collection was made for the ‘poor fellow,’ as he was called in the reports, and I left the court with a comfortable sense of being universally regarded as a sort of monster. Next day comes to me a friend of mine, the governor of a large prison. ‘Why did you ever go to the Police-Office against that man,’ says he, ‘without coming to me first? I know all about him and his frauds. He lodged in the house of one of my warders, at the very time when he first wrote to you; and then he was eating spring-lamb at eighteen-pence a pound, and early asparagus at I don’t know how much a bundle!’ On that very same day, and in that very same hour, my injured gentleman wrote a solemn address to me, demanding to know what compensation I proposed to make him for his having passed the night in a ‘loathsome dungeon.’

The Nigerian “Help Me!” Scams

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Nigerian Cyber Scammers (Source: http://antifraudintl.org/)
Users in a computer kiosk in Lagos, Nigeria. (Source: http://antifraudintl.org/)

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Now, the internet and mobile phones are a boon to the scammers as they provide a vehicle to convey their blatant solicitation by email and SMS.

The present day “help me” letters are variants of the confidence trick known as the ‘419 Scam’ perpetrated by the Nigerian Scammers. The number 419 refers to the article of the Nigerian Criminal Code dealing with fraud. It is found in Chapter 35 – “Offences analogous to Stealing” under the laws of the Federation of Nigeria.

A variation to this begging letter is the advance fee scheme in which a letter through traditional mail or email, offers the recipient the “opportunity to share” in a percentage of millions of dollars that the author, a self-proclaimed government official, is trying to transfer illegally out of Nigeria, or the family member or a kin of an affluent person who had met with a tragic accident, requesting help recover the money of their parents or kin from banks, etc. The author encourages the recipient to send information such as bank names and account numbers; facsimile of passport, driving licence, for identifying information; blank letterhead stationery of the recipient; and of course, an advance to defray the cost of expenses incurred for legal expenses, payment of taxes, bribes to bank and government officials with the promise that all expenses will be reimbursed as soon as the funds are spirited out of Nigeria.

Though most law-abiding citizens are not impressed by such invitations, millions of dollars are lost to these schemes annually. Once the victim who falls for these schemes wakes up and stops sending money, the perpetrators use the personal information they received to impersonate the victim to drain the bank accounts.

The Nigerian government is not sympathetic to the victims who have actually conspired to remove funds from Nigeria violating section 419 of the Nigerian criminal code.

While the scam is not limited to Nigeria, the name “Nigeria” has become associated with almost all types of email frauds, and that nation has earned a reputation for being a center of email scam crimes.

In countries other than those in western Africa, a smart person with technical skills can find work in the electronics field and earn by helping their relatives, friends, neighbours, and acquaintances keep their computers running. Some even design websites to sell useful products. But the average Nigerians, have fewer opportunities, and they almost starve. So, most teenagers learn to fix things that are dumped. Soon after they learn to code and try to outsmart other people using their computers.

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Nigerian scammers (Source - httpgoodmenproject.com)
Nigerian scammers (Source: httpgoodmenproject.com)

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Years ago, at the very beginning, these scammers were viewed as modern day Robin Hoods in the back streets of Lagos, the center of the cyberscam universe, in the land of chronic unemployment. They were appreciated and lauded in popular music for swindling money from the undeserving outside the poor western Africa and thereby enriching themselves. The girls were eager to date them.

Genuine Nigerian businessmen had to bear the brunt of the sins committed by these scammers known as “Yahoo boys“.

Now, many ISPs restrict sending mass email if they originate from a sub-Saharan country. Many e-commerce sites block Nigerian ISPs. The Nigerian government, acceding to the request of the legitimate tech industry in the country, is tracking and cracking down on the scammers, now living underground.

Scammers in other nations such as Benin, India, Ivory Coast, Pakistan, Russia, the Netherlands, the United States, South Africa, Spain, and Togo, also have got into the game.

Below are two mails that were in circulation as far back as 2002.

SGT. IDRIS LAWAL (RTD).

IKEJA MILITARY CANTONMENT

LAGOS, NIGERIA.

SOLICITING FOR HELP.

I am Sergent Idris Lawal (rtd). I heartily beg for your help. We were retired voluntarily by the commander in chief of armed forces of the country, Ibrahim Badamasi Babangida during his tenure as president and commander in chief of the armed forces. Since then we have been living in the military barracks waiting for our benefits.

Some weeks ago fire gulped the armory section in the barracks and everywhere caught fire. The entire barracks exploded and many people lost their lives. The death toll was about 2000, while some were rendered homeless. Right now we have lost all we had, property, shelter, clothing, everything.

My wife and my two kids managed to survive,. Right now they are in the hospital. One of them needs surgery on her face. We have been advised by the hospital to pay the sum of N5,000,000.00(NAIRA) which is about US$50,000.00 to commence this operation. My inability to raise the said amount, keeps me in a state of frustration. We have access to computer. That is the only thing our government did for us.

I beg you in the name of GOD to kindly assist us with any amount of money to enable us to carry out this operation. Your assistance will highly be appreciated.

Please help us. God will bless you abundantly.

We await you response.

Sgt. Idris Lawal (rtd).

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N.G.O. Registration No. D.S.W./1379

Certificate of Incorporation No.G-7206

Dear Sir/Madam,

We are the CHILDREN POSTRITY AID, a non profit, non sectional, non political N.G.O based in the Aplaku Village, located in the Greater Accra Region of Ghana.

OUR OBJECTIVES ARE AS FOLLOWS:

A. What is of paramount importance is our obligation to pay  the cost of educating the children when the parents are unable to, and fight against

HIV/AIDS in Ghana and Africa as a whole.

B. We advocate the rights o children in the line with international conventions

C. We protect the rights of children through a long term plan of building their capacity.

D. We provide self reliance at adulthood through career development and technical skill training.

E.  We protect the lives of the children against  S.T.D and HIV-AIDS pandemic.

E.  We raise consciousness about the effects on environmental degradation on economic development.

C.P.A. would really appreciate your views and thoughts of the above mentioned objectives as C.P.A. believe very strongly in bringing joy into the faces of under-privileged, deprived, refugees, able and disabled children in Ghana and other parts of Africa.

C.P.A. is writing to your organisation primarily to affiliate with your honourable organization to work together to help these children to be what God wants them to be. Please, these 483 children, made up of Ghanaian and Liberian refugee’s children, lack educational logistics such as  children’s literature books, computer books, used computers, educational toys, children’s clothing and any thing that will be of a great help to these children that none of us doesn’t know what they will be come in posterity.

I thank you so much in anticipating for your prompt reply.

Yours in the Lord’s Vineya

JONAS APPIAH.

(PROJECT DIRECTOR)

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Here is another interesting email I received at the beginning of this month. An appeal, almost a love letter, that addresses me as “dearest One!!!

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As-Salam Alyikum dearest One!!!

sonia

To

2 Dec

As-Salam Alyikum dearest One!!!

Please I apologies to you to exercise a little patience and read through my letter I feel quite safe dealing with you in this important business having gone through your remarkable profile, I will really like to have a good relationship with you and I have a special reason why I decided to contact you, I decided to contact you due to the urgency of my situation, My name is Sonia Aisha Khorovani Ahmed,24yrs old female and I held from Somalia in Eastern Africa.

My father {Late Mr.Khorovani Ahmed} was the former Somalia road Minister. He and his assistant Minister of Home Affairs Mr .Lorna Laboso had been on board the Cessna 210which was headed to Kericho and crashed in a remote area called Kajong’a, in western KENYA on one of his trip.I truly miss him,It’s painful to lose loved ones but life always has a meaning to be fulfilled according to God’s Plans.

After the burial of my late father,my stepmother and my uncle conspired and sold my father’s property which the shared the money among themselves and left nothing for me.On one faithful morning, I opened my father’s briefcase and found out the documents which he used to deposited huge amount of money in one of the leading with my name as the next of kin.

I traveled out side my country trying to contact the bank to withdraw the money for a better life so that I can take care of myself and start a new life, but it was my surprise that the Bank Director whom I have been contacting on this matter,told me that my father’s given instruction to the their bank that the money would only be release to me when I am married or if I could present a trusted foreigner partner who will help me and invest the money overseas.It was only on this vian I chose to search of an honest and reliable person who will help me and stand as my foreign trustee so that I will present him to the Bank for transfer of the money to his bank account overseas. I have chosen to contact you after my prayers and I believe that you will not betray my trust, God willing.

You may wonder why I am so soon revealing myself to you without knowing you,to me I will say that my spirit convinced me that you may be the true person to help me,  The amount is( $7,500,000.00 USD Seven Million five hundred thousand United State Dollars, and I have confirmed from the bank that they will transfer the money as soon as I present a reliable foreign trustee.

If you can help me on this matter,you will also help me to place the money in a good profitable business venture in your Country or any place of your choice.  you will help by recommending a nice University in your country where I can complete my studies. However,it is my intention to compensate you with 30% of the total money for your efforts and kindness of services and the balance shall be our capital in establishment of our investment.

Please understand that,I am giving you all this information due to the trust I deposed on you and I would never want you to reveal this matter to any other person for now even to your best friend, what I mean here is that you should, Please do keep this matter to your self for now until the bank will transfer the fund.I hope you will understand me?

I like honest and truthful person, Angryand “LIES” I hate On our relationship, hence I am always very-extra-careful in my relationship with people as I always look forward to obtain good potential carrier as well if not death of my late father.

As soon as I receive your positive response showing your interest,I will inform the bank that am ready to present the foreign trustee who will receive the fund on my behalf and would also send you the bank details, Therefore, please do not fail to respond this message as soon as possible.

Yours

Miss.Sonia Aisha.Ahmed.

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Have you received any similar email? Were you tempted to respond to them? Did you respond and burnt your fingers?

Beware!

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“Callgate” / “Kerala Solar Scam”: Part 4 – Scammers and Politicians


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Myself . By T.V. Antony Raj

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Many victims of the Solar scam did not dare to lodge complaints against the duo because most of them were laundering black money. Also, the victims were aware that the duo was being protected by some wielding power.

Though their business flourished, Saritha Nair’s relationship with Biju Radhkarishnan soured. Both suspected each other of having other affairs. In 2012, the couple decided to end their relationship and part ways.

In early June 2013, K.M. Sajjad, an industrialist from Kollam, filed a case against Team Solar. He had been cheated after having paid an advance of र40 lakh for setting up a solar and windmill farm.

On June 5, 2013, Perumbavoor police traced absconding Sarita Nair to a house at Edappazhanji, Thiruvananthapuram and arrested her for cheating.

Biju Radhakrishnan arrested (Source:  deccanchronicle.com)
Biju Radhakrishnan arrested (Source: deccanchronicle.com)

Deputy Superintendent of Police, Crime Branch (CID), C.G. Suresh Kumar investigated the Reshmi murder case. On June 17, 2013, police arrested Biju from Coimbatore for the murder of Reshmi. It is indeed a mystery how Biju contrived to escape from the police for more than seven years.

According to the charge sheet, the alleged murder was committed on the night of February 3, 2006. Biju after forcing Reshmi to drink liquor laced with poison dragged her to the toilet. His elder son born to Reshmi was an eyewitness to this act.

Case has been registered against Biju for murder, harassment of women, destroying of evidence and man handling of his elder son.

Biju’s mother Rajammal was also arrested and charged for harassment of women and helping her son to destroy evidence. She was let out on bail.

On the same day of Biju’s arrest, (June 17, 2013), the media reported that Yogi Nirmalanandagiri of Charamoodu in Alappuzha, made allegations against Sarita Nair and Biju Radhakishnan saying that they had extorted about र25 lakh from several people offering a gamut of promises.

In 2007, Biju had introduced himself to the yogi as a consultant and had told him that they could have obtained government welfare funds for the ashram if it had been registered as a trust. Biju had added that he would need र1.5 lakh to meet ministers in the capital for the release of funds to the ashram.

Next, the duo set up a centre named ‘Saffron Consultants and Event Management’ and distributed leaflets detailing their services.

On February 15, 2007, the ashram was registered as a trust.

The couple then took yogi Nirmalanandagiri to Thiruvananthapuram to invite Kodiyeri Balakrishnan, the Home minister, to attend the inaugural function of the trust. But they did not succeed in meeting the minister.

Biju stayed a day at the ashram. Later he and Saritha checked into a hotel at Kayamkulam. Biju conducted All India Trade Fairs in various places between Kayamkulam and Adoor. He would invariably disappear from the venue before the fair concluded. He would not even pay the hotel bill, the yogi said.

Yogi Nirmalanandagiri said he registered a complaint with the Kayamkulam and Chengannur DySPs. But, the police just ignored his plaint and did not investigate. Meanwhile, both the DySPs said there had been no complaints against Biju in 2007. “We would have taken up the case had there been any complaints in this regard”, they said.

Who is lying?

Scammers and Politicians

Jacob Mathews, the advocate of Biju Radhakrishnan.
Jacob Mathews, the advocate of Biju Radhakrishnan.

The sordid sex angle to the scandal was confirmed on November 22, 2013. The media reported that Jacob Mathew, the advocate of Biju Radhakrishnan had said that he has videos of 12 VIPs – politicians, ministers, IAS and IPS officers – sexually abusing Saritha Nair. The advocate asserted that he had many copies of the videos that Saritha herself had recorded using a pen camera, and the footage taken over from her by Biju Radhakrishnan. The advocate threatened to give the visuals of sexual abuse of Saritha Nair to the investigating officer in front of media as soon as he received a written permission from Biju Radhakrishnan, locked up in jail.

This irked many prominent leaders in Kerala. Jacob Mathew named union minister K.C. Venugopal, Kerala tourism minister A.P. Anilkumar, former minister K.B. Ganesh Kumar and Crime branch IG M.R. Ajithkumar.

Union minister of state for Civil Aviation and Energy K.C. Venugopal challenged the advocate’s statement and termed it as a conspiracy against him. He asked the advocate to release the tapes at the earliest. Though he claims he never helped Saritha Nair, records of late calls from Saritha to him have surfaced.

A.P. Anil Kumar has clarified that last year Saritha Nair had called him to invite him to inaugurate two of her offices at Kozhikhode and Malappuram.

Earlier, on April 1, 2013, the media reported that K.B. Ganesh Kumar, Kerala Minister for Forest, Sports and Cinema filed a divorce petition at the family court in Thiruvananthapuram. He alleged that his wife, accusing him of having illicit affairs with other women, physically assaulted him. Later, Biju claimed he had met the Chief Minister Oommen Chandy once for an hour-long discussion on Ganesh Kumar’s affair with Saritha Nair. However, the CM is still to reveal the details of the discussion that took place, but had said that Biju was referred to him by M.I. Shanavas, the Congress MP.

Crime branch IG M.R. Ajith Kumar told media that he will file a defamation suit against Jacob Mathew.

Home Minister Thiruvanchoor Radhakrishnan issued a challenge to those having the videos to release them and not issue unfounded threats.

Names of UDF ministers such as: Revenue Minister Adoor Prakash, Aryadan Mohammed, KC Joseph, Shibhu Baby John, Home Minister Thiruvanchoor Radhakrishnan, his private secretary V.K. Raveendran, and MLA Mons Joseph are some of the other names that have surfaced in Saritha’s call records. Some of the ministers have admitted that they have been in touch with her.

V.S. Achuthanandan, former Chief Minister of Kerala (Source: deccanchronicle.com)
V.S. Achuthanandan, former Chief Minister of Kerala (Source: deccanchronicle.com)

In Kerala, the Left Democratic Front (LDF) is also feeling the heat of the Solar Scam. Out of the many cases registered against Saritha Nair and Biju Radhakrishnan, 14 cases for cheating, involving र1.72 crore were registered from May 30, 2009 to April 16, 2011 when CPI(M)’s V.S. Achuthanandan was Chief Minister. Allegedly, Saritha’s clout in power circles was such that she even addressed one of the LDF ministers as ‘Uncle’ – who the ruling party alleges is none other than the then Home Minister Kodiyeri Balakrishnan.

N.V. Raju, the Additional Chief Judicial Magistrate (Economic Offences) had given a statement to High court vigilance registrar S. Mohan Das that Saritha Nair told him when interrogated on July 20, 2013 that she was sexually abused by many people.

On November 12, 2013, Vigilance Registrar S. Mohan Das, in his report submitted to the Kerala high court, flayed ACJM for having failed to record Saritha’s statement on July 20th itself and has recommended action against the ACJM.

Reshmi Murder Case

Saritha Nair brought to court (Source: deccanchronicle.com)
Saritha Nair brought to court (Source: deccanchronicle.com)

Saritha Nair, the prime accused in the solar scam, when produced in the court during the Reshmi murder case, identified Biju Radhakrishnan.

On November 25, 2013, when produced before the Principal Sessions and District Court, Kollam, Saritha Nair wept and told that Biju blackmailed her with nude photos of her, and he also had nude photos of the murderred Reshmi.

Saritha said that while she and Biju were living together in Thiruvananthapuram, Biju had said that he had given “quotation” to kill Resmi.

When she asked Biju to register their marriage, he threatened her saying that it would take only “two minutes” to kill her. Biju had crushed her hands between doors, and landed blows on the back of her head. She wondered whether Reshmi might have been murdered in a similar way. She added that Biju had planned to kill her in a contrived car accident after he became intimate with the TV actress Shalu Menon.

Biju’s advocate while cross-examining Saritha asked her whether the stories she told were “mere speculation”. Saritha replied that they were what she personally experienced in her life.

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← PREVIOUS:  PART 3 – MURDER, MOVIE STARS, INTRIGUE, AND THE MOVIE

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“Callgate” / “Kerala Solar Scam”: Part 3 – Murder, Movie Stars, Intrigue, and the Movie.


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Myself By T.V. Antony Raj

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Reshmi Pillai (Source: mathrubhumi.com)
Reshmi Pillai (Source: mathrubhumi.com)

Reshmi was the youngest of the three daughters of LIC agent Parameshwaran Pillai and Saradamaniamma from Kollam. About 13 years ago, Reshmi, a B.Ed. student was staying at Biju Radhakrishnan’s house as a paying guest.

Biju Radhakrishnan, a hardcore criminal, loved money and women and wanted to become a billionaire. Biju, believing that he could become rich by marrying Reshmi, enticed her, and Reshmi succumbed to his charming ways.

In 2001, they eloped, but did not get legally married. Their relation soured when Reshmi realized Biju’s follies and Biju came to know that she was not as wealthy as he had believed. However, after some period she returned and started living with Biju.

Saritha S. Nair (Source: newindianexpress.com)
Saritha S. Nair (Source: newindianexpress.com)

Saritha S. Nair was born into a lower-middle-class family in Chengannur. At the age of 18, she married a Dubai-based NRI. After obtaining her B.Com degree, Saritha got a job at a private bank in Kozhencherry, where she cheated her employer of र2 lakh. Next, she joined a private firm where she came in contact with the already married Biju Radhakrishnan. They were intimate.

Reshmi opposed Biju’s relationship with Saritha. Very often Biju beat Reshmi and sometimes in front of their son. Not able to bear the blows, Reshmi left him and lived with her parents.

On February 4, 2006, Reshmi was found lying unconscious in the bathroom at Biju’s Kottarakkara house. She had head injuries. Biju assisted by his neighbours took her to a hospital. Biju claimed that she had hurt herself after slipping in the bathroom. Reshmi was declared dead on arrival. Relatives and neighbors were doubtful and did not believe that Reshmi committed suicide as she had two children to take care of.

Biju absconded after Reshmi’s death, and the Kottarakkara police registered five fraud cases against him. For the past seven years, the police and the crime branch were clueless about his whereabouts. Though he had committed huge frauds using fake names and addresses, not a single police person had seen him until the date of his arrest on June 17, 2013.

In 2007, after divorcing her husband, Saritha Nair lived with Biju Radhakrishnan.

The duo started their career in crime first by enticing people by providing loans at very low-interest rates. Next, they targeted businessmen needing large sums of money. Saritha would bait them by promising funds from abroad. Following the modus operandi of email scammers, Saritha would convince the victims that the loan would be sanctioned only after paying a service fee. After collecting around two to three lakh rupees, the duo would fade away.

In 2009, the police arrested the couple for cheating a resident of Kakkanad of र1.lakh after promising to install a windmill plant.

The duo began their career in crime first by enticing people by providing loans at very low-interest rates. Next, they targeted businessmen needing large sums of money. Saritha would bait them by promising funds from abroad. Following the modus operandi of email scammers, Saritha would convince the victims that the loan would be sanctioned only after paying a service fee. After collecting around two to three lakh rupees, the duo would fade away.

In 2009, the police arrested the couple for cheating a resident of Kakkanad of र1.lakh after promising to install a windmill plant.

In 2011, after their release, the couple moved their operation to Kochi, and launched Team Solar Renewable Energy Solutions aka The Team Solar Energy Company (Team Solar). They advertised Team Solar as “one of the world’s largest renewable energy groups.”

Needing political clout to exploit gullible people, Saritha cultivated contacts with the personal staff of politicians, including the personal aides of Kerala chief ministers. K C Joseph, present Minister for Rural Development, Planning&Culture of the Government of Kerala, inaugurated Saritha’s Kottayam office.

Starlets, sex, blackmail and murder formed the base of the duo’s Solar scam.

Shalu Menon

Shalu Menon
Shalu Menon

Shalu Menon, 30, a dancer-turned-television Malayalam actress, the granddaughter of a famous Kerala dancer, was the first actress involved in the Solar scam. Shalu’s role in the scam surfaced after an NRI businessman named Razik Ali filed a complaint that Biju Radhkarishnan and Shalu Menon had cheated him of र70 lakh by offering a non-existent franchise and a wind farm in Tamil Nadu.

Shalu Menon, Born into a middle-class family, was a familiar face in the cultural world of Kerala. She runs a chain of dance schools under the banner the Jayakerala School of Performing Arts, that boasts having more than 1,000 students. Acting in Malayalam films and TV serials since 1998, her social circle revolved around the rich, famous and powerful. Her political connections helped her earn a berth in the Kerala Censor Board.

Shalu Menon was arrested on July 5, 2013, as the third accused in the Solar scam.  (Source: newindianexpress.com)
Shalu Menon was arrested on July 5, 2013, as the third accused in the Solar scam. (Source: newindianexpress.com)

She was arrested on July 5, 2013, as the third accused in the Solar scam, and for committing an offence under IPC 212 for harbouring and helping the key
accused Biju Radhkarishnan to flee from the state of Kerala by giving him her car and mobile to use while escaping.

During interrogation by the police, Shalu Menon admitted to the links she had with Saritha Nair and Biju Radhkarishnan, the brains behind the scam. She told the police that Biju Radhkarishnan approached her requesting her to model for his company’s advertisements. Later, she became intimate with him.

Shalu Menon added that Saritha Nair too had approached her to learn dance at her school.

Biju had presented Shalu diamond, gold and silver ornaments, and had conveyed his intentions of marrying her. He had given her money to build a palatial house in Changanasserry, and she had helped Biju by enticing investors and politicians. Many politicians and VVIPs including Union minister Kodikkunnil Suresh and state Home Minister Thiruvanchoor Radhakrishnan were embarrassed when videos and photographs littered the media showing them attending the house-warming ceremony of Shalu’s palatial bungalow and enjoying the tender coconuts.

On investigation it was revealed that Shalu was a frequent visitor to Biju’s office in Thiruvananthapuram. The police found documents, including cheques and vouchers signed by Shalu in the office. Biju’s employees told the police that Biju introduced Shalu as an executive director of the firm.

Swiss Solar employee Likhitha filed a case against Shalu Menon and Biju Radhakrishnan for duping her of lakhs of rupees. In February 2013 Biju introduced Shalu as the Executive Director of Swiss Solar Company and promised to appoint Likhitha as the CEO of the company. He offered her a salary of rupees one lakh. But the actual salary that Likhitha received was only र50,000 while Biju swindled her to the tune of र1.19 lakhs on the pretext of office expenses. Actually, Biju used this money to clear the dues of his clients.

The affidavit filed by the Special Investigation Team (SIT) at the court said that Shalu Menon is the third accused in the case, and an offence under IPC 212 for harbouring an accused has been charged against her.

Uthara Unni

Uthara Unni (Source: balconybeats.com)
Uthara Unni (Source: balconybeats.com)

In July 2013, the name of another Mollywood film actress, Uthara Unni, surfaced in connection with the Solar Scam. Speaking to a Kerala TV channel, actress Urmila Unni, mother of Uthara, denied reports that her daughter was Team Solar’s brand ambassador, but only had modeled for Team Solar’s advertisements. However, a Facebook page in the name of Uthara Unni had mentioned her as the brand ambassador of Team Solar.

The Ernakulam South Police registered a FIR against Saritha Nair and Biju Radhakrishnan following the complaint by a Kochi-based travel agency with regard to a bounced cheque for र1.73 lakh given by the scammers after booking air tickets to Chennai and New Delhi. Uthara Unni was one of the passengers for whom the air tickets were booked.

According to the Special Investigation Team (SIT) that carried out by the Investigation said the budding actress is not directly involved in the case. “She travelled with Biju Radhakrishnan and Saritha Nair to Chennai only for advertisement photo shoots and is not directly linked with the scam.”

Urmila Unni admitted that her daughter Uthara went to Chennai, where she is studying, on the ticket provided by Team Solar.

The police then wanted to question Uthara about her travel details to Dubai with Biju Radhakrishnan.

Muktha Bhanu

Muktha Elsa George
Muktha Elsa George

In mid July 2013, Mollywood actress Muktha Elsa George, popularly known as Muktha or Bhanu, said that she was cheated by Biju Radhakrishnan of Team Solar. According to her, Biju had approached her and promised to include her in the calendar photo shoot for Team Solar, as a replacement for Uthara Unni, who did not curry favour with his associates. She accepted rupees ten thousand as an advance from Biju Radhakrishnan for this assignment. She also said that Biju had offered a job for her sister in the solar office in Thiruvannathapuram, but was double crossed.

Solar Swapnam, The Movie

The notorious Solar scam scandal that stirred the political stability of Kerala has swayed the Malayalam film industry too. Now, an American Film Company named Dream World Productions has launched production of a movie titled “Solar Swapnam” directed by joy Antony and scripted by Raju George. K. Jayakumar has penned the lyrics for the film and Jayan Ezhuman Thuruthu has composed the music.

Actress Pooja will characterize Saritha S. Nair and bear the name Haritha S. Nair (Source: entertainment.oneindia.in)
Actress Pooja will characterize Saritha S. Nair and bear the name Haritha S. Nair (Source: entertainment.oneindia.in)

It is hoped that the movie Solar Swapnam would narrate the whole solar scam. Kollywood actress Pooja will characterize Saritha S. Nair and bear the name Haritha S. Nair. Kollywood actor Bhuvan will portray Biju Radhakrishnan. Kollywood actors Jananardhanan, Harisree Asokan, Nandhu, Mohan Roy, Sona Nair, P. Sreekumar and Aarthi Puri will act in significant roles in the movie.

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“Callgate” / “Kerala Solar Scam”: Part 2 – The Arrests


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Myself By T.V. Antony Raj

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Kerala Legislative Assembly, Thiruvananthapuram. (Photo: C. Ratheesh Kumar)
Kerala Legislative Assembly, Thiruvananthapuram. (Photo: C. Ratheesh Kumar)

This year the public came to know about the Kerala Solar Scam perpetrated by Saritha Nair and her live-in-scam-partner Biju Radhakishnan who duped many people by falsely promising solar panels and equities in non-existent solar and wind farms.

In early June 2013, one of the investors K.M. Sajjad, an industrialist from Kollam, who had paid an advance of र40 lakh for setting up a solar and windmill farm filed a case against Team Solar. Later, the police said, the letter typed on the letterhead of the Chief Minister with the CM’s signature and shown to Sajad was a forgery. Sajjad said that he got in touch with Team Solar after seeing a Team Solar advertisement in the newspapers and ended up parting with र40 lakh for a solar power plant and windmills in Tamil Nadu.

Many cases for cheating and criminal breach of trust have been registered against the duo. Up to end of July 2013, police stations across the state registered 33 cases against Saritha Nair and Biju Radhakrishnan.

As on July 2013, six cases were registered against Team Solar in the city of Kochi – five cases in Town North station and one case in Town South police station. On July 16, 2013, Sarita Nair and Biju Radhakrishnan, were remanded to police custody for four days by the Additional Chief Judicial Magistrate (Economic Offences) Court and directed the Special Investigation Team (SIT) to investigate the six cases. According to SIT, Sarita and Biju had been operating out of their office on Chittoor Road from 2010 onwards under the names of West Wind Corporates and Team Solar Renewable Energy Solutions.

Reginald George filed a case in the Town North Police station that said he was cheated of र95.86 lakh by Team Solar for a part of a windmill project in Idukki.

The Town North Police has also registered a case against Abhilash Nair and Santhosh of Team Solar, on the basis of a complaint lodged by V.P. Joy of Muvattupuzha for allegedly cheating him of र1.60 lakh as he was promised a part of a windmill project in Idukki.

A jewellery showroom at Padivattom which has shops around the world, accused Team Solar of cheating them of र23.5 lakh on the pretext of setting up solar panels at
their showroom.

In the Malabar region several medical practitioners fell into their trap. About 11 petitions were filed against Biju Radhakishnan in the District Consumer Disputes Redressal Forum, Ernakulam, of which, ten petitioners were doctors.

On September 10, 2013, confident of his protectors in the government, Salim Raj, former bodyguard of  Chief Minister Oommen Chandy, attempted to abduct a couple in broad daylight on a highway. Seeing the commotion, a lot of local people gathered around them. Though Salim Raj threatened them by flashing his police ID card, the angry locals did not give in and refused to let him and his goons leave until the police came and took them into custody.

Saritha Nair was arrested on June 3, 2013. (Express photo)
Saritha Nair was arrested on June 3, 2013. (Photo: Deshabhimani)

On June 5, 2013, Sarita Nair was arrested by the Perumbavoor police from a house in Edappazhanji, Thiruvananthapuram, where she was hiding. Sarita told the police that she had no contact for the past one year with the  absconding Biju Radhakishnan.

Biju Radhakishnan was arrested in Coimbatore June 17, 2013, for the murder of his wife Reshmi. (Express file photo)
Biju Radhakishnan was arrested in Coimbatore June 17, 2013, for the murder of his wife Reshmi. (Express file photo)

On June 17, 2013, Biju Radhakishnan was arrested in Coimbatore for the murder of his wife Reshmi on February 4, 2006 at his Kottarakkara house. Biju told the police that he was advised by a lawyer in Ernakulam to leave the state and stay underground until he fetched an anticipatory bail for him in the solar panel scam. He said it was the same lawyer who also advised him to speak to the news channels and reveal the role played by Chief Minister’s staff. However, the  lawyer cheated him he said.

When the police nabbed Biju in Coimbatore he had only र20 in his purse. One of the policemen said:

The conman who duped several to the tune of crores of rupees did not even have money to pay his taxi bill. He had told the driver that he would pay him after selling his laptop.”

On October 9, 2013, Biju Radhakrishnan told the Judicial First Class Magistrate court in Thiruvananthapuram that he was ready to reveal the names of the top political leaders involved in the scam.

Kerala reeled under the scam. The media dubbed the scam “Callgate” and “Kerala Solar Scam“. The duo had used cine starlets for sex and blackmail.

The scandal created havoc in the ruling Congress party. The amounts involved in each case varied from a few lakhs to a few crores with the total, calculated by complaints, amounted to less than र10 crore (US$1.6 million) – a meagre amount when compared to other scams perpetrated by others in India. However, the aggressive protests by Leftist political parties made the scam notorious.

Oommen Chandy, Chief Minister of Kerala.
Oommen Chandy, Chief Minister of Kerala.

Kerala Chief Minister Oommen Chandy’s “Mr. Clean” image was muddied, and brought his government to its knees. The Opposition parties demanded his resignation.

Salim Raj, Tenny Joppan and Jikumon Jacob were members of Chief Minister Oommen Chandy’s personal staff and his closest confidants for eight years and had links
with Saritha Nair and Biju Radhakishnan, the accused in the multi-crore solar scam. However, only Tenny Joppan was arrested.

Media reports said that Salim Raj, the former bodyguard of the Chief Minister, had made a number of calls to the accused in the Solar scam. However, the Special Investigation Team which probes the solar scam exonerated him.

Salim Raj outside a court in Kozhikode (Source: indiatoday.intoday.in)
Salim Raj outside a court in Kozhikode (Source: indiatoday.intoday.in)

On September 10, 2013, confident of his protectors in the government, Salim Raj attempted to abduct a couple in broad daylight on a highway. Seeing the commotion, a lot of local people gathered around them. Though Salim Raj threatened them by flashing his police ID card, the angry locals did not give in and refused to let Salim Raj and his goons leave until the police came and took them into custody.

Jikkumon Jacob,  a personal staff of Kerala CM Oommen Chandy.
Jikkumon Jacob, a personal staff of Kerala CM Oommen Chandy.

Jikkumon Jacob, assistant PA to CM’s personal assistant P. Sivadasan and member of chief minister’s personal staff, resigned on his own from the post following allegations of his involvement with Saritha Nair and Biju Radhakishna, the main accused in the solar panel case. The special investigation team led by ADGP quizzed Jikkumon since his mobile number appears in the call lists of those who had Telephoned Saritha Nair.

However, no action was taken against Jikkumon.

Tenny Joppan, a long-time aide and former personal staff member of Chief Minister Oommen Chandy was arrested on June28, 2013.
Tenny Joppan, a long-time aide and former personal staff member of Chief Minister Oommen Chandy was arrested on June28, 2013.

On June 28, 2013, Tenny Joppan, a long-time aide and former personal staff member of Chief Minister Oommen Chandy was removed from the CM’s office following the controversies. He was arrested after a three-hours interrogation at Chengannur DYSP office, when the CM had gone to Bahrain to receive a UN award for his mass contact programmes.  He was charged under Section 420 of IPC (cheating) and Sec 34 (acts done by several persons in furtherance) and listed as the third accused in the Solar scam case, along with Saritha Nair and Biju Radhakrishnan.

M.G. Joppan, father of Tenny said the real culprits in the case are outside the bars. He said:

Thiruvanchoor Radhakrishnan’s police came to arrest Tenny when Chief Minister Oommen Chandy was out of station. Tenny was made a scapegoat. There has been a conspiracy behind this. Many people including Salim Raj and Jikku are safe outside. Tenny hasn’t earned anything illegally.”

On August 23, 2013, Kerala High Court granted bail to Joppen.

A. Firoze, former director of Kerala's Information and Public Relations department.
A. Firoze, former director of Kerala’s Information and Public Relations department.

On July 18, 2013, A. Firoze, suspended Director of the  Information and Public Relations Department, surrendered at the Medical College Police station after the Kerala High Court rejected his plea for anticipatory bail. He was accused of defrauding a Thiruvananthapuram builder of र40 lakh promising to arrange an Asian Development Bank loan for setting up a solar facility. Firoze had reportedly introduced Biju Radhakrishnan and Saritha Nair to the builder saying one of them was a offical of ADB.

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“Callgate” / “Kerala Solar Scam”: Part 1 – Team Solar


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Myself . By T.V. Antony Raj

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Three year ago when the Kerala State was reeling under a severe power crisis, the Kerala government came up with several schemes for generation of power from solar and wind energy.

Saritha S. Nair (Photo: Indiavision)
Saritha S. Nair (Photo: Indiavision)

Sensing the ambience was just about right for investment in these sectors, Saritha S. Nair and live-in-partner Biju Radhakishnan, now under arrest on charges varying from cheating people of crores of rupees to murder, floated the now defunct company The Team Solar Energy Company (Team Solar). When it was in business, Team Solar advertised itself as “one of the world’s largest renewable energy groups,” and had an impressive clientele. They placed advertisements in the media offering a gamut of services such as setting up solar panels and windmills at cheap rates, obtaining government subsidies, and making it easy for the absorption of generated
power to the state power grid.

Zonal office of Team Solar on Chittoor Road in Kochi (Photo: H. Vibhu)
Zonal office of Team Solar on Chittoor Road in Kochi (Photo: H. Vibhu)

Saritha Nair and Biju Radhakishnan had been charged earlier in various cheating cases and were out on bail. In 2009, Saritha Nair was arrested for cheating a resident of Kakkanad of र1.60 lakh after promising to install a windmill plant. This was besides other cases that had been registered against them elsewhere

Interestingly, even though the duo was out on bail, Saritha got in touch with senior police officials over the phone for new assignments. In 2012, Team Solar was assigned to set up solar power equipment at the top-level offices of the City Police – office of the City Police Commissioner, senior police officials, the Police Club – and at the offices of ministers.

Team Solar provided guided tours for prospective entrepreneurs and took them to government lands at various places claiming that they were the spots where their solar or wind energy units would be set up. They even showed some people windmills in Tamil Nadu which they claimed as Team Solar projects.

The investors were asked to sign Memorandum of understanding (MOU), part with their money, and then sit back and enjoy the returns of their investment. Team Solar also inveigled investors by offering to make them business partners.

An undisclosed source inside Team Solar said that even though Team Solar had its hands full of orders, only those of celebrity clients were taken up.

Team Solar assuaged any doubting Thomas by using the stock phrase:

“If you are not convinced, here is the CM’s PA Tenny Joppan on the line, please speak to him.”

If Joppan was unavailable, they would call the Chief Minister Oommen Chandy’s security officer Salim Raj, or Jikkumon Jacob, a member of chief minister’s personal staff. The fact that the Chief Minister of Kerala did not own a mobile phone went in favour of the scammers because anyone who wanted to contact the Chief Minister, including MLAs, had to call his personal aides who in turn put them through to him. Later on, the media revealed that Saritha Nair made hundreds of calls every week from her cell phones to these gentlemen in office, and received many calls from the Chief Minister’s landline.

Salim Raj, former Security Officer of Kerala CM Oommen Chandy
Salim Raj, former Security Officer of Kerala CM Oommen Chandy

Salim Raj, 42, was an ordinary constable in the Kerala Police and a former bodyguard of Chief Minister Oommen Chandy. Salim wielded so much power that on October 1, 2013, Justice Harul-ul-Rashid of Kerala High Court, while hearing petitions seeking a CBI inquiry into a land grab case against Salim Raj, remarked:

“Is Kerala’s administration functioning only to serve the mafia? Does this mere police constable think he is the chief minister? Why should people be so afraid of him? Is even the state DGP scared of this policeman? What kind of democracy is this?”

The judge’s remark came in the wake of complaints from many members of the public, the Opposition, and even repeated comments by the courts about the United Democratic Front (UDF) government’s unstinted support for Salim Raj, whenever he landed in trouble. Justice Rashid was particularly disturbed by the state DGP K.S. Balasubramanian, who on receiving an alleged land grabbing complaint against Salim Raj forwarded it to the Chief Minister instead of taking action himself.

Due to Salim Raj’s clout with the government his name was not included in the FIR registered by the police on a land grab case in Kochi in spite of the petitions asserted that he was the main culprit.

Salim Raj has also been accused of having played a role in the solar scam in addition to other charges related to land grab, fabrication of records, abduction, among others.

Salim Raj who belongs to Chief Minister Oommen Chandy’s home district Kottayam has been the CM’s official bodyguard since 2005 when he was an Opposition leader. In 2009, Chandy inducted Salim Raj into the Chief Minister’s security detail, ignoring adverse intelligence reports about him.

Sridharan Nair (Pic: Indiavision)
Sridharan Nair (Pic: Indiavision)

When Sreedharan Nair, a victim of the scam, wanted further assurance about the project to manufacture solar panels, he was asked to sign an MOU with a commitment of र5.5 crore. He then had to pay र25 lakh out of the first instalment of र40 lakh before being taken to the Chief Minister’s office, where Tenny Joppan gave an assurance for the investment in the solar panel plant to be installed at Kanjikode in Palakkad district. An agreement in this regard was signed at Joppan’s cabin at the Chief Minister’s office. Sreedharan Nair had asserted that he had even met the chief minister, accompanied by Saritha Nair.

To gain media coverage and credibility the Global Management of Team Solar instituted awards that carried prize money. On June 11, 2011, at a function held at Hotel Dreams, Ernakulam, six prominent people of Kerala were proffered the ‘Virgin Earth Golden Feather Environment Awards 2011‘ and ‘Green Golden Feather Environment Puraskar‘ award for their work in the field of environmental protection.

Prof. Dr. S. Sitaraman, renowned environmental activist and Secretary of Association of Environmental Protection was presented the 'Green Golden Feather Environment Puraskar' by K. P. Mohanan, Minister for Agriculture in presense of company officials and Hybi Edan, MLA, Ernakulam.
Prof. Dr. S. Sitaraman, renowned environmental activist and Secretary of Association of Environmental Protection was presented the ‘Green Golden Feather Environment Puraskar’ by K. P. Mohanan, Minister for Agriculture in presense of company officials and Hybi Edan, MLA, Ernakulam.

Prof. Dr. S. Sitaraman, renowned environmental activist and Secretary of Association of Environmental Protection and president of Kerala Brahmana Sabha, Aluva Upasabha, Fr. Johnson J. Palakkappillil, principal, Sacred Heart College and Dr. Georgekutty Karianappalli, CEO, Lifeway Solar were awarded the ‘Green Golden Feather Environment Puraskar‘.

 Malayalam film star Mammooty is among six persons chosen for the ‘Virgin Earth Golden Feather Environment Awards 2011′ and ‘Green Golden Feather Environment Puraskar’ award for their work in the field of environmental protection.
Malayalam film star Mammooty is among six persons chosen for the ‘Virgin Earth Golden Feather Environment Awards 2011′ and ‘Green Golden Feather Environment Puraskar’ award for their work in the field of environmental protection.

Malayalam cine star Mammootty, Kochi Mayor Tony Chammany, and K. K. Krishnadas, CEO of Vallarpadam Transhipment Terminal-DP World, were among the six beneficiaries of the ‘Virgin Earth Golden Feather Environment Award‘.

K.P. Mohanan, Minister for Agriculture, and Hybi Edan, MLA, Ernakulam attended the function.

Mayor Chammany told reporters that Saritha under the name Lakshmi Nair had approached him and told him about their award. He said he had met Biju Radhakrishnan at the award function and was introduced to him as Dr. R.B. Nair. He further said:

Kochi Mayor Tony Chammany“I was told that the award, as part of their World Environment Day celebration, was for the council’s decision to adopt energy efficient lighting practices. As many other eminent people were also receiving the award, I did not see anything wrong in accepting it. It is only now that I found out about her name and the scam. … But she has not received any help or support from me.”

Even though there were some complaints about Team Solar, no action was taken against them. A senior police official said:

The problem was that no one came forward to lodge a formal complaint, as they used to concentrate on people with unaccounted money. A majority of the victims chose not to proceed with the case and were happy if they got the money back.

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