Being scammed

Please read this; and do not make the same mistake as me!

The Story of a Scam

(or how I lost the thick end of $10,000.)

On Friday, 6th August, 2021 at 05:51 in came the following email:

Norton Customer ,

User name:paulhandover

*we like to confim you that the NortonDesk re-newal. has been done on your request*

It is very easy to unsubscribe it,

and related to your any query,  reach us at +1-(860) – (852) – (6259).

Product-Name : NortonDesk


Price : $475.04


Subscription ID : 8837-77942826-947192-8126


Expiration Date : 3 Year from the Date of Purchase


* If you wish to Cancel this Membership then please feel free to Contact our Billing department as soon as Possible*


*Please do not write to this mail address, that will not help*

Reach us on +1 – (860) – (852) – (6259)



Billing department

Contact: +1 – (860) – (852) – (6259)

693 Amwell Rd, Hillsborough, NJ 

My first mistake was not to check the incoming email address. It was

I telephoned the number given and told the person that I wanted to cancel this membership. Indeed that I had never subscribed for this membership in the first place.

I spoke with ‘Adam’. I was then asked to go to a webpage where I filled in a Refund Application Order form. I filled in my details including the refund amount and my bank details: Sort Code & Account Number.

I then submitted the form and imagine my surprise when a few minutes later I was informed that I had received the sum of $10,000. I quickly checked our bank account online and there was the $10,000 credit in our checking account. 

My second mistake was me not examining the total in our accounts. I have the facility to show the total funds in our accounts. Why I didn’t do that I can not explain.

Then it was back on the telephone and Adam also was surprised (later I realised that this was a feigned surprise and all part of the scam) and said could I go to the bank and fill in an International Wire Transfer for the amount of $9,500. Adam also said that he would give me the details of the person in Thailand that was to receive the funds, and could I say this was for a medical operation because it would save ‘Norton’ the taxation.

My third mistake was not to discuss this with Jeannie and to assume that it was just a harmless error.

The details came through and I went to our bank in Grants Pass. I got to the bank a little after 09:00. I saw a staff member of the bank and explained what I needed to do. The bank member queried this and said that it sounded like a scam. I lied and said I knew the woman in Thailand and wanted to go ahead. That was what I had been instructed to say.

My fourth mistake was not listening to the woman at the bank. (And I still thought that the ‘Norton’ funds were in my account.)

The International Wire Transfer was completed and I signed it. I also asked the balances on our two accounts. It was about $10,000 less than I expected and I queried it but was told that there had been a transfer from my savings account to my checking account of $10,000 for Norton. I thought that this was still a little low but that I could check it carefully once I got home. I had a thirty-minute window to change my mind.

Mistake number five, a huge mistake, was while at the bank not to ask them carefully to go through all my transactions that day because that would have revealed that the receipt of $10,000 that I had seen online had mysteriously disappeared. Indeed had never been received. That would have enabled me to stop the wire transfer within the thirty-minute window.

I returned home and found out the truth. I had been scammed out of $9,500.

The strange thing was that ‘Adam’ of the billing department of so-called Norton kept ringing me throughout the day to say that the funds would be sent back to me and gave me the details of three wires and that the funds would be back in my bank account on Monday, 9th August!

Later that morning I rang Kevin Dick who manages our investments and told him the tale. He said that there was a huge amount of scamming about and that I should make three phone calls: to the bank and report the fraud; to the Sheriff’s office and report the fraud; and to my insurance company. The first two were done straight away. Kevin also told me to close my bank accounts and amend my email address. Alex, my son, said to use my Proton mail account and straight away I started to make the change.

A person from the humanists group that we belong to said also to inform The Daily Courier.

Kevin also sent me the following links:

From a recent Podcast I created: keep-from-being-a-victim

A video from our site:

From Finra on Fraud to dos:

On Monday morning Ryan of ‘Norton’ called me at 07:15 and said that Adam Prescott was no longer with the firm. Ryan said that their General Manager, Ron Cooper, would call me shortly. Ron did indeed call me and said that they would return the money but that the minimum cheque they could write was $30,000. I was then told that in advance of me receiving the money I would have to pay a small amount to them. At this point I put the phone down for it was clearly a second attempt to steal more funds from me.

Finally we went back to the bank on Monday morning. We were informed that there was never a credit of $10,000 but that a clever switch of the money from one account to another made it look as though the money had been credited. The event had been reported to the bank’s fraud department.

On Tuesday morning, the 10th August, the bank said that as well as our two accounts being locked out from us and that only cheques and cash withdrawals would be honoured for the time being, the fraud department had made the decision to issue us with a ten-day notice to terminate our accounts. In other words, within ten days the bank would no longer want us as customers. Since then I have done much research and found out via the Forbes website that this was more to do with the bank being ultra conservative than anything else. Indeed Kevin said that he had spoken with his IT department and they thought that it was strange that my ex-bank had terminated us so quickly. The IT department thought that the teller at the bank realised that she had been partly culpable.

However the bank did recommend another bank to go to in Grants Pass.

I have since reset my iMac and changed my email address.

It is a most humiliating affair. I have beaten myself up several times over and have at last understood the frame of mind that I had gotten myself into.

To explain that, first of all I thought that I needed to stop the billing urgently and because it was early on a Friday morning thought that the best thing to do was to call immediately.

Secondly, during the call that scammers spoke to me in friendly tones and quietly complimented me on my integrity. I am sure that this ‘spoke’ to my psychological fear of rejection that I have had since I my father died in 1956.

Then in the morning of the 11th August I received a call from a regular contact at the English company who manage my UK SIPP. He wanted to check if I had tried to log on at 09:00 UK time and I replied that there was no way that was me for that UK time was 01:00 Pacific time. There were apparently three attempts to log on. Unsuccessfully as it turned out and my SIPP account is temporarily closed as a result.

The scammers are very thorough in their crooked craft!

Now as of Thursday, the 12th August, we are pretty much out of the grim shadow of this event. We have new accounts at The People’s Bank here in Grants Pass. I have changed my email address and yesterday afternoon I decided that the only safe way of protecting myself was to get another iMac. I was speaking to the sales department of Apple and mentioned the scam and the woman immediately said I should speak with their Technical Support and transferred me. Then I was helped via screen sharing to go through many pages deleting unnecessary files and other stuff. And the helpful woman found another item of malware that was deleted and removed. She spent 54 minutes getting me properly cleaned out and then forwarded an email with all the links for me to do the same process at a later date. It was a superb experience.

So that is it.

Now watch these two YouTube videos. The first is just 5 minutes long and is important to all who use computers and want to be protected against scammers.

and then watch this slightly longer video from Jim

Be safe! Please!

An addendum dated Saturday, 14th August, at 7am Pacific Time.

Only to say that I also posted my scamming report on Ugly HedgeHog under their General Chit Chat forum. Of the many responses that came in I wanted to post here two of them.

The first from ‘Stanikon’:

Sorry you had to go through this. Your first clue should have been the grammar and phrasing of the original email. That would have given it away. Legitimate companies go to great lengths to make sure their grammar, phrasing and language are correct. I have avoided several scams by paying attention to that so there is some value in being slightly OCD.

and the second from ‘Red6’:

The safest thing to do in these situations is simply not to open the email. I receive on a daily basis, emails telling me that the items I ordered are being shipped, my subscription to something has been renewed etc, etc. 99.9% of these are scams and nothing bad will happen if you just delete them. Older working people often have the fear that there’s a bill out there that has not been paid and they are afraid of getting a bad credit report. So they aggressively try to send someone money for something they cannot even recognize. If it is a true debt, you will be reminded of it several times before any reports are made.

I follow several simple rules in preventing scams. There are many more but this will take care of most of them.

1. Examine the sender’s email address, if you do not recognize it then DO NOT OPEN and DELETE immediately. Most of these scammer’s email addresses will not have the company name in the email address OR it will be combined with other names. Most will not have the .com, .org, etc but will be gmail, Hotmail, or other generic URL. Many of these scammers “broadcast” their emails to everyone on a purchased email list not knowing whether some or valid or not. If you open or reply to these it verifies your email as valid and active and worthy of more attention. Also, if it is an unknown email address, it could be a carrier of a virus or some other bad computer/software infection.

2. If you do get involved with something that does not feel right and you take it to the bank – TRUST THE BANK if they tell you it is suspicious. They see these things every day and develop a feel for them. I received a cashier’s check for something I sold on craigslist. I took it to the bank to deposit and the bank rep immediately recognized the cashier’s check as a fake. She even called the bank the check was supposed to be drawn on and they checked the records and told her that it was counterfeit. You trust your bankers, credit union, etc with your money every day so trust them when they tell you something does not seem right.

3. Scammers know that many older people do NOT like to use credit cards. So a lot of their dealings involve checks, bank transfers, and other forms of older less secure payment methods that older citizens are comfortable with. I NEVER, NEVER send money for something I purchase or order online unless it is through a credit card. In fact, I rarely buy ANYTHING anymore that does not go on the credit card. They are safer, quicker, and easier. If somehow you do get something on your bill that you did not authorize, the credit card company will investigate and go after the person or company that charged you. This is one more safety step that protects the consumer. This does not always apply to debit cards. Debit cards are issued by individual banks or credit unions and some have policies in the fine print that they do NOT have the same policies as the big credit card companies and may not forgive or relieve the user for bad charges made to their debit card.

4. Just do not believe anyone or any company that says they sent you a huge refund or overpayment or some amount of money by mistake. That rarely happens. It is even rarer if they also tell you to return the money to some foreign address, email, or wire transfer. When in doubt, wait for a week or so before you do ANYTHING. If they sent you the check, transfer etc, wait to see if it clears or is valid. We are conditioned by TV and movies that we need to act immediately in situations such as this. This is rarely the case. Take time to see what happens. During this cooling-off period check them out, research the internet to see if others have experienced this scam. It is almost a sure thing that if you are being scammed, others have been also and it has been reported somewhere with law enforcement agencies or on websites on the internet. Check them out before acting. Or better yet, do nothing for a while and most likely they will just go away. Much like the telephone scammers, they make their money on volume, calling as many as possible in the least amount of time. Scammers will not waste time working on you for days, they have thousands of other emails, accounts to call. Remember, they are after the fastest, easiest targets – the low-hanging fruit.

If it is a true mistake or debt you owe then most likely you will receive some official correspondence in regards to the debt. A good example is the IRS and Social Security phone scams in the past couple of years. You get a call from the IRS or Social Security informing you that you may have committed fraud and law enforcement is on their way to arrest you. But if you arrange repayment with their representative, an arrest can be avoided. The IRS and Social Security NEVER take action without first sending several official US Postal letters to you.
If you are still inclined to send money to someone in a foreign country then discuss it with your bank and listen.

Hope this helps.

33 thoughts on “Being scammed

  1. The ‘like’ button is obviously not for your horrible experience but for your courage dealing with it! I’m so sorry, my friend. On the bright side, had you not suspected it, they would have gone even further! Horrible…

    Liked by 1 person

    1. That’s very generous of you to say that, Marina! But the truth is that I was responsible for my mistakes. I still shudder when I think of what I did. But there was plenty of good that flowed from the event. The great advice that I received from so many especially Alex and Kevin, the sympathies given to me by everyone, switching over to ProtonMail and their VPN, finding The People’s Bank, getting that superb service from Apple Tech Support, and more.

      But as is said: There’s no fool like an old fool!

      Liked by 1 person

      1. Very much so. Indeed I am listening to BBC Radio 4 at the moment about scamming and wondering if I should send them details. Apparently there have been 36 million scam calls since January 2021!


      2. Marina, yes that was my attitude as well. I shall later today put a copy of the post on Ugly Hedgehog and it has also been reported to the local newspaper.


  2. Hi Paul. So sorry to hear this happened to you. This is a huge problem in the world today as you know. I just wanted to share something that might help people avoid some of these scams: ALWAYS TAKE A CLOSE LOOK AT THE QUALITY OF THE GRAMMAR USED IN THE EMAIL. If you read the email that was sent to you carefully you will quickly spot many obvious grammatical errors. Here’s just a single sentence from the email you received: *we like to confim you that the NortonDesk re-newal. has been done on your request*

    That sentence is a big red flag that this email did not actually come from Norton. Large companies like Norton, Visa, Apple, Microsoft, Comcast etc. would not send out emails containing such basic grammatical errors.

    When you see an email with sloppy grammar, please be careful! Again, very sorry to hear that you went through this nightmare. Best Regards – Paul K.

    Liked by 1 person

    1. Thank you, Paul. Yes, that is a very good point and one that my frantic mind missed. I agree with you that had I been in a quieter frame of mind I would have noticed this. I sincerely hope many others read your sound advice!


    2. That is good advice. It’s equally important to check the actual email address from which the email was sent. All too often they’ll obviously be a personal address, but I often see addresses that contain the name of a legitimate company, but with other things tacked on, such as ‘’ (as a made-up example). BIG red flag.


      1. Absolutely, Mr. P. This was my first mistake and led on to me becoming more and more embroiled in my foolishness. Something today that makes me want to go and hide in a hole!

        Liked by 1 person

  3. Paul, what a horrible experience! And one that many people have gone through. I’ve received emails from Norton in the past. I don’t have Norton, so I knew it was a scam. Other such emails from foreign countries are the same. Click here to get more info, etc. I’ve just, across the board, rejected/deleted such inquiries. Especially email bank inquiries, which banks don’t do. Phone calls, text messages, all the same. Delete, block caller. Some scammers have many phone numbers and keep trying. I understand the psychological aspect well. And the avoiding caution brought up by others. The good that came out of your experience will help someone else. You are putting many people on alert to scammers. And, now, you are on high alert. 📚🎶 Christine

    Liked by 1 person

    1. Thank you, Christine. We have just got back in from getting hay, etc., and the young man at The Red Barn, from whom we get our hay, said that he got very close to losing $17,000 and was only saved by showing the document to his wife. Seems like it is much more common than previously thought!

      Liked by 1 person

      1. Unfortunately, Paul. Scammers are everywhere, even on your doorstep trying to sell things like solar. Under the guise of the your electric company sent them. I don’t think so. Watch out for credit card companies email scams. I got one supposedly from Amazon Prime that my account was on hold. A click on here will fix it. Called Amazon! They put out an alert for other members—scammers on the prowl! Always investigate. Stay safe from evil scammers! 📚🎶 Christine

        Liked by 1 person

      2. Great! Thanks for starting it with your horrendous experience. You are helping so many people, just to be on
        the alert. Scammers beware…we’re on to you! 📚🎶 Christine


      3. Awesome, Paul. It’s too bad we can’t trust people straight out. Your first (sometimes fleeting) intuition that something is not quite right is usually right on. People dismiss it and get into trouble, sometimes big trouble with a lot of repair work. Listen to that first Oh, oh, that can’t be right, and investigate. Have a great weekend. 📚🎶 Christine


      4. You are so correct, Christine. I still do not fully understand the frame of mind I was in that day. But it has left me in much better shape, thank goodness! You, too, have a fabulous weekend.

        Liked by 1 person

  4. So sorry, Paul. A similar thing happened to me last year (they called me saying they were from Apple and ‘discovered’ my bank account had been compromised). They managed to scam me out of twice as much as you. The police weren’t able to track their phone numbers. 😓


    1. Oh Monika, how dreadful for you. $18,000 is one hell of a lot of money. But it is the shame and the humiliation that is almost worse. The one thing I am learning in spades from the conversations on here and speaking to as many friends as I can is that we, and that includes me, big time, need to be much more cautious. I hope I can get a better alert system going in my head!

      Liked by 1 person

  5. I can’t recommend Jim Browning’s YouTube channel highly enough; he does a grand job of informing and educating.

    Unfortunately, having fallen for this once, you need to be doubly on your guard from this point on, Paul. I have no doubt that your personal information is, at this moment, being shared among the scammers on a list that could be headed ‘Prime Targets’.

    These vile examples of the very worst of our species all need to be identified and locked up — and have the keys thrown away.


    1. Colin, the only mitigation in all of this is that I am well on the way to changing my email address and my VPN. But I am very conscious of my details being shared on lists of these crooks. If I had much more free time I would actively support what Jim is doing.

      Liked by 1 person

  6. Mannnnnn!!!!

    Scammers are the worst. The worst we’ve experienced here was when G’s father was in hospital, in a coma. Someone actually called G’s mum saying they were from the hospital and she had to send x-amount immediately (I’ve forgotten the exact number, but it was a few thousand reis) to pay for a certain drug which, they said, wasn’t included in his insurance. They said the drug was critical to his survival. The utter heartless gall to do that left me stunned.


  7. Hi Paul,
    I am really sorry to hear about this; and it puts my own loss this week (of £600 on a non-refundable airline ticket to Seattle) into some truly horrid perspective. However, can you confirm that: (1) as you have since changed your email address and bank (and you almost changed your computer too); and (2) as the scam was contingent upon you having a healthy savings account at the same bank… the scammers hacked your computer first and knew how much you had in savings? Thanks also for embedding the videos. I had seen the first one before but the second one is even more alarming; as this cyber security expert almost got scammed himself!
    With best wishes for a scam-free future,
    Your former fellow blogger from the UK, “Rick Altman”.
    P.S. To all the ex-followers of my former Blog – including those I have now joined in the pseudonymic cybersphere (e.g. ‘Pendantry’ and ‘Patrice Ayme’) – I may have stopped blogging but you can still find ‘Anthropocene Reality’ on Twitter!


    1. Hello ‘Rick’,

      There are so many scams going around at this present time. It is more than the money lost as it is the shame and humiliation that seems to have the greater effect. So you too! I really don’t understand how the scammers in my case moved money into my checking account and then took it back out. My old bank didn’t want to investigate after the event having by then issued me with a notice to quit!

      Thank you for your wishes. Let me extend those wishes to all those that follow this place.


      Liked by 1 person

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