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MichaelEL

Oct 6, 2009, 8:55 AM

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Ripped off Prevention Tactics

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It always takes two; the "ripped" and the "ripper", the "victim" and the "victor". (the victor is not such to the victim, but certainly to his friends and family!).

Don't be a victim, and when you are, don't blame everyone else! Here are some prevention techniques.

1. No fat wallets! Use a very skinny holder for half a dozen plastic cards and keep money elsewhere, big pesos in one pocket, small pesos in another, passport and FM3 somewhere else.

2. Buy and wear pants and shirts with zipper, velcro or button pockets, the more the better. Travelsmith and others have pants with hidden zippers or pockets in pockets. Or add your own buttons or velcro.

3. Put nothing valuable in back pockets. Never wear fanny or fronty packs unless they are full of used kleenex.

4. Ladies, buy clothes with pockets! Purses are magnets for banditos. Try to not carry a purse or if you must, don't put valuable paper and money in the purse; hide them in a secure pocket.

5. Don't dress and act like a rich gringo. Dress more like Mexicans; avoid shorts and tank tops in public and try to blend in, not stand out.

6. Avoid fancy jewelry or watches. Even if they are costume pieces, if they look rich, then then so do you. The best is no jewelry at all. No big-diamond wedding rings or Rolex watches.

7. If you accept help, pull the tip out in advance, not at the last minute. Watch while your car is loaded to make sure nothing is accidentally missed.

8. Learn the forefinger vertical wag; it means no, and even windshield washers tend to honor it. (make sure you don't get the wrong finger!)

9. Don't smile and grin at everyone (ladies especially!). It identifies you as a naive gringo target. Men, learn an appropriate deadpan or even a scowl.

10. Appreciate talent! If they outsmart you and get your goodies, they are not "idiots"; they are just better at getting than you are at keeping. They may be crooks to you, but they are heroes to their hungry children. Don't blame others for your carelessness; it's not them, it's you. Grow up. Take responsibility.

11. Body language speaks large. Don't walk hesitatingly or uncertain. Walk firm and sure. Stand tall. Look others square in the eye or deliberately ignore them. When hustled or solicited, do not engage; either ignore or give a brisk "no gracias". They are not your friends!

12. If you do engage, do it with class, not with disdain. Mexicans are naturally social; try to be a part of their culture; Respect that it's their country and that, tourist or expat, it's still their country and culture.

13. Listen and learn. The scams are common and repeated, passed down from generation to youth, pickpockets, purse snatches, lotto hustles, counterfeits, ATM grabs, spiked drinks, father-son pairs, lovely girls and handsome guys and crippled beggars, the smoke-under-your-car, thumb-on-the-scale, and gas pump that did not reset, the miscalculation on change, the overcharge, the servicio already on the tab, and on and on and on. These are not Mexican tricks, but universal survival skills in all countries and all cultures. Pay attention and listen and learn.

14. Report every crime or petty theft or scam to everyone you can. Yes it's a hassle and it's embarrassing, but un-reporting perpetuates the behavior. If enough people report often enough and to enough people, including the media, things will change. Your silence will change nothing.

15. Do not be a victim. Every victim encourages encourages more shady behavior. If it were not profitable, "they" would not be there; if gringos were not such easy targets, the profession would shrink in numbers. As Pogo put it: "We have met the enemy, and they is us".

Michael



Vichil

Oct 6, 2009, 10:13 AM

Post #2 of 7 (6420 views)

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Re: [MichaelEL] Ripped off Prevention Tactics

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Since you are so wise about prevention how do you prevent what just happened to us short of not having an ATM card. This may or may not be related to the Walmart pickpocketing of my husband but we think it is all related.

We cancelled our credit cards and reordered new ones. Our visa cards and American Cards came in all with DHL all packages had been open by customs and resealed by them.

Am Ex called to activate our card (green cards nothing like Gold or Platinum) Cards were activated. We then were forwarned that someone had attempted to change our address, E-mail and requested a new NIP (We never had a NIP with AM EX)
We shut down these cards and requested new ones.

We got the new ones, again the DHL package had been opened by customs. On Sunday we discovered that someone had used our Visa card to prepay our brand new AM ex card 5000 dollars. I also noticed that the noticed said we had a Platinum Card. We have the card and it is not a Platinum card. We found out last night that the thieves had happily continued their scam and had requested a Platinum Card on the 26 but a green ard had been sent on the 29th and we had received the green card. We put an other stop to this new scam, cancelled the AM EX and Visa Card again and reordered a new card again...

All of these transactions were done using the brand new cards not the stolen ones.
I wonder what you would do in this case....

By the way you have a few good points but as far as dressing like the locals not to attract attention you are kidding yourself if you think a foreigner will pass for a Mexican or if you think Mexicans do not get robbed as well no matter how careful they are. Rich and poor Mexicans get ripped off too so do not be so smug and blame people who get rippped off, your turn will come too, it is just a question of time.


(This post was edited by Vichil on Oct 6, 2009, 10:39 AM)


MichaelEL

Oct 6, 2009, 7:38 PM

Post #3 of 7 (6344 views)

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Re: [Vichil] Ripped off Prevention Tactics

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Did not mean to appear smug, and indeed, my time has already come, as it were. Somebody was able to tap into the electronics of a couple of ATM machines at the Mega in Bucerias. A couple of weeks after returning to the US, two of my debit cards were hit for over $ 5,000. over 4 days.

Curiously, I can only use them once a day for a max of $ 300. But the clever hackers used them 2-3 times a day! My banks were baffled at how they did that, and the tracking numbers were not traceable. Both banks promptly reimbursed me for the amounts and all fees.

I've also been taken a number of other times, most of the scams I mentioned. But I don't dwell on it or blame others for my lack of attention.

How to prevent credit card fraud, you ask? Not positive, but I have ideas. I'm opening another bank account with a debit card and I won't keep much in that account, reloading it online as needed from a different account. For credit cards, which I use for almost everything, I'm going to take one or two of them and request they lower the limit and establish cut offs when limits are reached. (They would rather collect over-limit charges). When in Mexico or abroad, I check my cards and accounts several times a week for fraud.

I've also had minor frauds committed and bank checks forged, complete with magnetic ink account numbers----and that was here in the states. There are no guarantees; we do the best we can.

My Mexican friends get ripped off just like we do, even more often, and it hurts them more. They get ripped by scoundrels and by credit card companies alike. Mexican CC interest rates are three times ours; it's criminal.

And no, I'll never be taken for Mexican, no matter how I dress. But I've seen tourists and expats dressed like peacocks, strutting their stuff, dripping in jewelry, with all their valuables in flimsy fanny packs or purses and they are neon signs for "please rob me". Sorry, no sympathy!

It takes two to steal and scam, and both are at fault. It's always so much easier to blame others than to take personal responsibility for the failures to use common sense. Sorry if that sounds smug.
Michael


Georgia


Oct 8, 2009, 7:11 AM

Post #4 of 7 (6221 views)

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Re: [MichaelEL] Ripped off Prevention Tactics

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If you live in Mexico one way to avoid the credit card/ATM/debit card ripoffs is simply not to use them at all. One can open an account in a bank (I don't like Mexican bank practices, but that is my "thing") or to open an account in an investment house, such as Actinver-Lloyd's. There are several different ones. Then you can just cash checks according to your needs as long as you maintain a balance sufficient to cover the checks. Secure the money on your person.

The only time I ever had a problem with a credit card was when someone in an internet cafe in California (where I have not been since 1947) made several purchases from Microsoft -- all in the same amount -- using my card number. The bank promptly reversed the charges within twelve hours of the event. I check my accounts daily online. I also called Microsoft to find out where the charges were made, since their phone number appeared on the Visa bill.

This happened while living in Mexico. Since I clearly am still unable to accomplish the feat of bilocation, the bank was most cooperative.


Zardoz

Oct 8, 2009, 1:01 PM

Post #5 of 7 (6160 views)

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Re: [Georgia] Ripped off Prevention Tactics

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In Reply To
If you live in Mexico one way to avoid the credit card/ATM/debit card ripoffs is simply not to use them at all. One can open an account in a bank (I don't like Mexican bank practices, but that is my "thing") or to open an account in an investment house, such as Actinver-Lloyd's. There are several different ones. Then you can just cash checks according to your needs as long as you maintain a balance sufficient to cover the checks. Secure the money on your person.

The only time I ever had a problem with a credit card was when someone in an internet cafe in California (where I have not been since 1947) made several purchases from Microsoft -- all in the same amount -- using my card number. The bank promptly reversed the charges within twelve hours of the event. I check my accounts daily online. I also called Microsoft to find out where the charges were made, since their phone number appeared on the Visa bill.

This happened while living in Mexico. Since I clearly am still unable to accomplish the feat of bilocation, the bank was most cooperative.


For us winter folks only without FM3 it is difficult to open a bank account at least it was in the bank in Ajijic. This situation
will probably get worse with all the financial restrictions the US government is doing these days. I remember when banks
loved to take any money they can get. I guess we aren't (US) worth the problems we cause and I can't blame them for
that after spending 1.5 hours to open up a US bank account a few weeks ago. I suppose to the US government we financially look like drug dealers moving money or whatever floats the FEDs boat.


Georgia


Oct 8, 2009, 1:42 PM

Post #6 of 7 (6152 views)

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Re: [Zardoz] Ripped off Prevention Tactics

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Even if you come down here regularly and don't have an FM3 it might be worthwhile to look into an account at a place like Actinver Lloyd's which is not a bank, but an investment house. Very handy if you suddenly need more than the 5000 pesos the machines give you.


ekammin

Oct 8, 2009, 2:45 PM

Post #7 of 7 (6137 views)

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Re: [MichaelEL] Ripped off Prevention Tactics

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Yes, this reminds me of the time I left a box in the back seat of my car, and didn't lock the doors. Of course, when we got back, the box was gone.

But, this wasn't as bad as it might have been. All the box contained was our infant daughter's dirty diapers.
I hope the sleazebag who took the box stuck his hand in to see what he had stolen without looking first.
 
 
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