Top scams

Cramming Consumers are billed for optional services (such as voice mail or paging) they never ordered.

Slamming Slamming is the practice whereby long-distance phone companies switch your phone service to their company without your permission.

Advance Fee Loans Many companies offer empty promises for personal or business loans, and require payment of fees in advance. They never get you the loan and your fees are down the drain.

Sweepstakes Phoney prize awards that require payment of fees first - and then the "prizes" never appear.

Work-at-home scams These "business opportunities" include kits sold to stuff envelopes, make jewellery, or perform other work-at-home jobs, with false promises of huge profits.

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Craig Stephens

PC World

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