Reloading of Fraud
Many initial victims of fraudulent offers are contacted at a later
time by a more aggressive telemarketer. This "reloader" or "double-scammer" will
convince you that you are eligible for even greater prizes under
the company's "executive" prize promotion, if you make
you've been advanced to a larger promotion and selected
to receive an even more valuable award." "Because
you purchased $400 worth of vitamins you've been selected
for the next round."
you know they always want you to buy something?"
invoice is for only $2499." "It might seem
like a lot but they would never have you do that if
you weren't absolutely guaranteed."
a mere drop in the bucket compared to what you have
coming to you in less than 35 days."
I'm going to approve it for you to use a personal cheque
or a money order. Which one is best for you?" "O.K.,
I'll wait until you get an envelope and your cheque
you're not the happiest person in town at this time
next month I'll fly down there and you can cram it
down my throat."
Faced with a loss of funds, some
senior citizens will go along with another scheme in which the
con artists promise to make good on the original funds that where
lost and possibly even generate new returns well beyond those
A "verification call" is typically used in order to
verify that the prospect has succumbed to an earlier pitch. During
such calls which may be recorded the telemarketer induces the victim
to say that they agreed to send money in order to purchase the
product, rather than to qualify for the prize. This acts as a disclaimer
and a hedge against prosecution.
Only experienced telemarketers are allowed to reload customers.
Telemarketers are required to indicate on their sales order forms
when a customer is a reload along with the other sales data.
One "reloader" accumulated a wealth of experience from
having worked eight years in the telemarketing industry at companies
using comparable schemes. In fact, he was proud of the fact that
he had been the top reloader at almost every company where he had
worked. Things were no different at CDC where
he quickly rose to the top, producing $443,209 of the $2,677,000
generated in the nine months he worked there.
Bleed Them Dry
Customers that are successfully reloaded are referred to as "reloads" and "mooches." Mooches
are people who "just can't say no", some
of whom send money twelve or more times. This pattern of "reloading" continues
until the fraud victim has no more to give, monetarily or psychologically.
A sample conversation which displays the "sympathetic concern" shown
by a reloader determined to bleed an elderly lady dry:
"I'm trying to tell you. I have no more money. I don't have
"I'd say, number one, you better drop that tone with me. "
"No, I don't mean it that way. I'm just trying to say I don't
have any more. "
"Well, there's something you could do about it."
"I said I am sorry because I can't help it. I can't do anything
about it, sir. "
"Well, you could take your credit card down and get a
cash advance on that."
"I hear what you're saying. I wish I could do it. "
"Well, you better start listening to what I'm saying. "
" I don't know how to come up with it really. I really truly
"Well, if we can just approve this thing for the sixteen
"My cards are maxed out. I'm not kidding."
"Look !, I don't wanna sound like a hard nose."
"I know you have to do what you have to do."
"How much too much is that?"
" Well they just sent me a shut off notice for my electricity.
I came up with that."
"Hey, I don't need the whole sob story of every single
nickel you ever spent."
"But I don't even have a savings account any more."
"Well you could go to the bank and you could sign for
Too Late to Save
Through months or years of small wins and numerous purchases they
manage to keep your hopes up that one day you will win the big
one, which will make up for your earlier spending. They tell you
the names of other winners and make it sound like you're the only
one who hasn't claimed a major prize yet.
Even The Winners Lose
In one case, where the scammers were induced to finally award
cars to long-playing "winners", (people who had paid
over $75,000 each), they acquired the vehicles at a substantial
discount because they were known to be "lemons" suffering
hurricane flood damage.
"Congratulations, you have won a new car, you just have
to pay the taxes of $5000".
Articles on the Reloading of Telemarketing Fraud Victims.