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Funda kabanzi lapha

Umdlalo Wokukhwabanisa Uvuliwe

By Travis R

Imikhonyovu ingeyangempela, futhi noma ngabe ucabanga ukuthi ubacabangile, ungaba isisulu kalula ngokwakho, noma okubi kakhulu, kungathinta umuntu othile empilweni yakho. Kimi, lowo "muntu" kwakungumama wami osanda kuhlala nami. Ngokushesha nje lapho efika, wangena esimweni esesabekayo okungajwayelekile nakancane. Ngibhala ukwabelana ngalokhu okwenzekile ngethemba lokuthi uzokuthola kufundisa futhi kusize wena noma umuntu omkhathalelayo.

Okokuqala, umama ungumuntu ofunde kakhulu futhi ujabulele umsebenzi onenjongo nenselele ekusebenzeleni umphakathi. Uyacabanga futhi uyanakekela, unengqondo, uyathemba futhi ugcwele izindaba ezinhle. Ngalokho njengesizinda, nasi isifinyezo sokuthi ungene kanjani ekudlaleni umdlalo wokukhwabanisa.

Uthole isaziso nge-imeyili esivela ku-Microsoft mayelana nenkokhelo ayenzile ngesikhathi ethenga ikhompyutha entsha ekuqaleni kwenyanga. Ushayele inombolo eku-imeyili ukucacisa ngesimo watshelwa ukuthi kumele abuyiselwe imali engu- $ 300 (FIRST BIG MISTAKE). Uphinde watshelwa ukuthi iMicrosoft ibuyisa imali online, futhi ukwenza njalo, bazodinga ukufinyelela kwikhompyutha yakhe. Ngeshwa, wabavumela ukuthi bangene (ISIBILI SEBHAYIBHELI PHAMBILI). Wacelwa ukuba abhale inani lemali ebuyiswayo engu- $ 300 futhi lapho enza kanjalo, lavela laba ngama- $ 3,000 esikhundleni salokho. Wayecabanga ukuthi wenze i-typo, kodwa wasetshenziswa ngofonayo ukuze avele ukuthi wenze iphutha. Umuntu akhuluma naye uphume waphela, wathi uzoxoshwa, uMicrosoft angamangalelwa, nokuthi izulu liyawa. Okubalulekile ukuthi wakhe umuzwa wokuphuthuma. Ukuze “abuyisele” iMicrosoft, kuzodingeka ukuthi athenge amakhadi ezipho amahlanu ngemali engama- $ 500 lilinye. Njengoba ebemagange ukulungisa iphutha lakhe futhi alilungise, wavuma (THIRD BIG MISTAKE). Sonke lesi sikhathi, wayehlala naye ocingweni, kodwa wabuza ukuthi angatsheli muntu ngokwenzekayo. Ubuye wathi angakhuluma naye kuphela ngaphandle, hhayi lapho esitolo. Ngemuva kokuhambisa imininingwane yekhadi lesipho kubo ngekhamera ekhompyutheni yakhe, watshelwa ukuthi ezintathu zazo azisebenzi (akulona iqiniso). Uzodinga ukuthola amathathu ngaphezulu nge $ 500 lilinye. Usazizwa kabi ngephutha lakhe, waphuma wayophuma ngomnyango (FOURTH BIG MISTAKE). Ungaqagela ukuthi kwenzekeni, bobathathu abasebenzanga futhi, futhi uzodinga ukuthenga amanye amathathu. Kodwa “Mnu. UMiller ”ubenecebo elisha enyusa umkhono. Njengoba ebebakweleta ama- $ 1,500, bazodlulisela u- $ 18,500 kwi-akhawunti yakhe yokuhlola futhi uzodlulisela ngocingo inani lama- $ 20,000 ehhovisi labo. Ngokujabulisayo, ngemuva kokuchitha usuku lonke ocingweni, umama wami ucele ukuthatha ikhefu, bese ethinta isisekelo ekuseni. Avume bese evala ucingo.

Lapho umama eveza okuningi okwakwenzeka kimi nakubafana bami ababili, sabona ukuthi kukhona okungahambi kahle. Impela, sihlole ama-akhawunti akhe asebhange sathola ukuthi imali edluliswa isuka ku- “Microsoft” kwakuyimali esuka ku-akhawunti yakhe yokonga iye kwi-akhawunti yakhe yokuhlola. Ukwesaba kwethu okubi kakhulu kufezekile, KWAKUNGUMKHOSA !!!!!!!!! Konke lokhu kwenzeke ngaphansi kokubukwa kwami, endlini yami, futhi angizange ngibubone ngisho nobunzima bento ebiyenzeka usuku lonke. Ngangizizwa kabi ngokungamvikeli umama.

Ezinsukwini ezimbalwa ezalandela nangobusuku bokulala, umama wavala wonke ama-akhawunti akhe, kufaka phakathi wonke ama-akhawunti asebhange, amakhadi wesikweletu, ama-akhawunti omhlalaphansi, iCollege Invest, noma yini esingayicabanga. Uxhumane Nezokuphepha Komphakathi kanye neMedicare; wabika umkhonyovu emaphoyiseni endawo; vala i-akhawunti yakhe nezinkampani ezintathu ezibika ngezikweletu (I-TransUnion, I-Equifax, Futhi I-Experian); uthathe i-laptop yakhe entsha ukuthi izokhucululwa (kwasuswa amagciwane amane); uxhumane nenkampani yakhe yamaselula futhi wabazisa; futhi ubhalise ne- I-Norton LifeLock.

Njenganoma ngubani olinyazwa ukuphanga, umkhonyovu noma inkohliso, umama wami wazizwa esaba, eba sengozini, futhi wathukuthela wagana unwabu. Lokhu kungenzeka kanjani kumuntu owazi izimpawu okufanele aziqaphele? Ngiyazi ukuthi uzobekezelela ukulimala nentukuthelo, futhi ngenkathi ephuma ku- $ 4,000, bekungahle kube kubi kakhulu. Bengifuna ukuxoxa le ndaba ngethemba lokuthi izosiza omunye umuntu.

Okulandelayo ezinye zezimpawu nezixwayiso ukuze wena noma obathandayo "niphumelele" kulo mdlalo omubi:

  • Eziningi izindlela zokukhwabanisa zivela ezinkampanini ezithembekile, ezinokwethenjelwa ezifana neMicrosoft noma i-Amazon.
  • Ungashayi izinombolo ezinikezwe ku-imeyili / i-voicemail, kepha kunalokho iya kumawebhusayithi asemthethweni ukuthola imininingwane yokuxhumana.
  • Ungachofozi izixhumanisi kuma-imeyili ngaphandle kokuthi umazi mathupha lowo muntu futhi ungaqinisekisa ukuthi bayithumele i-imeyili.
  • Ungathengi amakhadi ezipho.
  • Uma ukhwabanisiwe, yenza konke ongakwenza ukuze ululame, bese utshela abantu ngakho, noma ngabe kukwenza ubukeke uyisiwula.

Ekugcineni, yeqa! Kusenabantu abaningi abalungile kulo mhlaba! Ungavumeli i- "Scambags" ilawule impilo yakho futhi iwine emdlalweni wabo.

Nazi ezinye izinto ongazenza uma ukhwabanisiwe:

  • Xhumana namabhange akho nezinkampani zamakhadi wesikweletu.
  • Xhumana namahhovisi ezikweletu.
  • Thumela isikhalazo ku-Federal Trade Commission.
  • Faka umbiko wamaphoyisa.
  • Gada isikweletu sakho.
  • Thola ukusekelwa ngokomzwelo kumndeni noma kochwepheshe.

    Izinsiza ezengeziwe:

https://www.consumer.ftc.gov/articles/what-do-if-you-were-scammed

https://www.experian.com/blogs/ask-experian/what-to-do-if-you-have-been-scammed-online/

https://www.consumerreports.org/scams-fraud/scam-or-fraud-victim-what-to-do/