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How to avoid them: A scammer sends a spam letter to a list of people.

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The original payment never materialises; it turns out the email from Pay Pal is fake.How to avoid them: This category is a catch-all that includes goods of dubious value bought online as well as malicious online adverts and computer hacking.The scammer pretends to be interested in the auctioned item as a present for someone else.The scammer says he wants to buy the car but as he’s out of town on business he’s wired payment via Pay Pal.How to avoid them: Phishing is one of the most common types of scam.

The name refers to the scammers “phishing” (fishing) for victims by sending official-looking emails.They’d offer to buy under-performing shares for attractive prices, provided the investors were willing to make an upfront payment of a few thousand dollars.The scam was backed up by genuine-looking paperwork and a clone website.“I write to you in good faith and trust that you will take a moment to consider the contents of this letter.I am Andreas Peterson, the Chief Auditor of Lloyds Financial Services Ltd, United Kingdom.” Sound familiar?To finalise the trade, the scammer asks the seller to forward this extra money to a “shipping company”.