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La société d’avocats Damy

La Société d'avocats Damy à Nice assure une prestation de haut niveau, de la consultation d’un avocat à la représentation en justice. Les avocats du cabinet sont compétents en droit des affaires, des sociétés, droit immobilier, droit bancaire, droit social, droit des victimes et cas de dommages corporels. Membre de l’Association des avocats praticiens en droit social, Maître Grégory Damy dispose de certificats de spécialisation.  

Phishing, money laundering, counterfeiting... On the Internet, scams are numerous! How can we avoid them and not be fooled?

Bank data theft

The theft of bank data first involves taking control of the Internet user's virtual identity in order to retrieve his or her secure data in order to gain access to his or her bank accounts and carry out financial transactions. The most common method is phishing, or "phishing" in French. The Internet user receives an e-mail, which seems to come from a trusted company, such as a bank or a well-known commercial site, inviting him to confirm his banking data. In fact, the page is dummy and scammers can then empty the user's account or make online purchases.

LA CONTREFAÇON

Many websites offer the sale of counterfeit goods. Fraudsters often try to sell these products on intermediation sites such as eBay, or even on online sales sites they have specially created for the occasion. The buyer is only aware of the scam upon receipt of the product. The Internet user must therefore be wary when a branded product is sold at a very low price compared to the market price. In addition, it is often asked to pay by unsecured means (such as Western Union, for example). There are no legal notices on the site either, or they mention an address abroad. MONEY LAUNDERING

The Internet has become a new and effective way to launder money from criminal networks. The Internet user receives spam where he or she is offered a well-paying job with little fatigue, taking only a few minutes a day. He is asked to speak English, be over the age of majority and above all to have a bank account to carry out transactions. His "job" consists of receiving money from abroad on his own bank account and forwarding it to another bank account also abroad. A commission is paid to him in exchange. The Internet user then becomes an intermediary in an illegal money laundering procedure, when he thinks he is doing legal work.

HOW TO REACT?

A government website www.internet-signalement.gouv.fr has been set up to combat fraud. The Internet user can give elements to help the survey: for example, he can copy the url address of the site or send screenshots. If he has been the victim of a scam, he can obviously file a complaint. Fraud is punishable by up to 5 years' imprisonment and a fine of 375,000 euros. HOW TO GET REIMBURSED BY HIS BANK?

If the Internet user notices abnormal movements in his bank account and has been debited for purchases that he has not made, he must immediately file an objection with his bank. He must also have a statement made on his honour stating that he did not want these transactions. If the Internet user has not communicated his secret code, he must be reimbursed by his bank of the stolen sums. If he has given his code, there is, in general, a deductible of 150 euros. However, if the bank proves that a mistake has been made as a result of the Internet user's negligence, the latter will not be reimbursed.