Category Archives: Investigation

Guard Yourself by Knowing About Different Types of Fraud

Fraud, in wider sense, is any kind of deceitful act to obtain somebody else’s money for personal use or to exploit resources and other things illegally for personal benefits. Fraud can be defined as a crime and violation of civil laws.

Fraud can be of any type; it differs and varies from act to act. In any sphere of social and personal life, any deceitful act to exploit innocent can be called a fraud.

Different Types of Fraud:

In Medical field: Medicine fraud, health care fraud, etc.
In Business field: Cheque fraud, accounting fraud, money fraud, franchise fraud, earn-at-home schemes, bait and switch fraud, etc.
Internet fraud: Fraud mails, fraud online stores, website fraud, credit card fraud, etc.
In the field of Insurance: Life insurance fraud, automobile fraud, health insurance fraud, property insurance fraud, etc.
In social life: Fraud in relations, identity fraud, addresses fraud, fraud training, civil fraud, etc.

So, these are the different types of fraud or fraudulent acts. Let’s talk about these kinds of frauds in some detail. In the field of medicine, a fraud can make you the victim by giving you fake and duplicate medicines. There are many fraud clinics too. A fraud clinic means a clinic run by non-medical professions. Some people make fraud medical degrees and start a clinic; these clinics are just money making rackets without any knowledge of the field of medicine.

In business groups, many kinds of illegal activities happen. Some frauds place ads in the newspaper for a certain item on sale at cheap rates, and when the customer goes to buy it, they make excuses like being sold out and not in store and later manipulate the customer to buy same kind of item at higher prices. This kind of fraud is called bait and switch fraud. There are many other kinds of frauds too, like fake accounts and cheques and many more.

Fraud in the field of internet is the most commonly occurring process. People and different vendors make innocent user their target and allure him to buy many things and pay the bills. On internet, they can ask for personal details and bank account and credit card codes, etc. through mails, chat rooms, etc. After that, they use these data for illegal activities and personal benefits.

Thus, broadly, these are the different frauds that take place generally, and awareness is the key to saving oneself from the same.

Fraud Prevention Services: A Helping Hand To Detect The Fraud

Fraud is the most common happening thing in any sphere of life. A fraud can come in any form and can deceive you in any manner. As the cases of frauds are raising, so are increasing fraud prevention services.

In daily day to day life you can face a fraud in any form. In social life, most frauds happen in the different services, like in insurance services, credit cards fraud, identity theft, accounting fraud, banking fraud, cyber frauds, vehicle fraud, and many more.

In personal life the fraud can be in spousal relations, property fraud, alimony fraud, cheating between lovers, etc. So, this way you can see that a fraudulent activity can happen in any form. The most dangerous of all the fraudulent activities is the identity theft and fraud. Any one can steal your identity and can commit illegal conduct or crime. Before giving your identity and other personal details to anybody make sure the identity of the person, if he/she is not going to cheat you.

A fraud can be any activity of deceiving others in order to get personal benefits and advantages. Frauds can be on small scale and also can be severe ones. A fraudulent activity can cost from money, identity to life. Fraud happens in everyday life as a normal thing, but it can make you suffer a great loss. Fraudulent activities happens in every private or government services to small businesses.

There are a lot many agencies which provide fraud prevention services. The services can be hired both online and offline. There are government agencies and private agencies too. These agencies provide you services by which you can restrict any kind of fraudulent activity from happening. For example, there are monitors online banking, call centers, mobile banking channels to detect fraudulent activities against monetary or non-monetary activities. This allows one client to detect fraudulent activity and blocks money movement, while the fraud is still in the process. This kind of service is very useful in banks.

Like above mentioned fraud prevention services, there are different sort of services for different fields. To prevent fraud in companies there are employee fraud detectors, for ATMs there are different detectors. In brief, every sphere of life as have fraudulent activities, so are fraud prevention services for every field.

Fraud Investigations Help to Find Out the Truth

Any kind of misrepresentation in order to deceive people for personal benefits and to make money by betraying others is called a fraud. As there are many frauds, so are there many investigators to carry out fraud investigations.

To uncover any kind of fraud, there are many fraud investigation firms. To know what they do to expose frauds, one should know different areas, where trickery can take place. Misrepresentation of any kind, whether in the field of insurance policies, corporate world, on internet, in small business, etc. is called fraud.

Frauds target their victims through various ways. They give tempting offers to deceive simple people. Fraud investigators investigate the matter to determine the nature of fraud and whether a fraud has really taken place or not.

The process of investigation starts with an interview between the investigators and the victim. They ask various questions starting from the background of the guilty. They go deep into the matter raising question after question in detail. There are different investigators specialized in the particular area for different kinds of frauds.

There are insurance fraud investigators who delve into the matters related to insurance policies. They look into matters of fraud and analyze who is the culprit. Sometimes there are people who take advantage of the policies by showing more damages and injuries, either to their property or vehicle or to health, than what occurred in reality. Other times, there are some misrepresentations on behalf of the insurance company. The investigators find out the truth by applying various methods and researches.

In corporate investigations, they examine the fraud in various cases. There can be fraud in accounting, loans, between the employer and the employee. So, these investigators find out the reality by probing into the matter.

Like all these, an investigation can be done on any fraud case and activity. This kind of investigation is necessary in order to get justice and find out the truth.

Different Crimes And Crime investigation

Crime investigation is any kind of investigation in the matters of violation of civil laws. In a state, police is responsible for investigating and preventing any kind of criminal acts against law and social welfare. But as there are a lot of crimes happen in the state every minute, police can not investigate in each and every case, and even if do, then they are delayed and long lasting. So there are a lot many investigation firms for different kinds of crimes.

In the government there are separate investigation departments for various crime investigation alongwith police department. Crime can occur in any form and can be against any person or departments. A crime can be done against a single person and can be done against a business and non-business organization. There are also crimes which target officials and government.

Along with different kinds of crimes occurring in daily life, like murder, robbery, fraud, etc. computer crime is one of the most happening crimes. As the world has come together through computer and internet facility in this time of globalization, this crime is spreading like anything. This crime is known with the name of cyber crime. In this crime a person or user is targeted deceitfully.

Forms Of Cyber Crime:

Cyber pornography
Sale of illegal articles
Online gambling
E-Mail spoofing
Unauthorized access to computer system or network

To investigate in cyber crimes and to prevent them there are civil laws. Violation of these laws is a crime and there are many Crime investigation firms, which analyze the crime and grab the culprit. Any user can be targeted through e-mails, online fraud, etc. The investigators use different ways and tools to clutch the criminal. Investigation needs a sharp mind and specific qualification for a particular field.

Complaints Investigation – Investigations to Uncover Truths

Complaints Investigation

There are several departments of administration in the government of the country. Some are directly under the scan of the government and there are others that are partially monitored by the government and its ministries. And then there are other departments the responsibilities for which are delegated to private enterprises.

However in case a citizen has a valid complaint to be registered against any such wing of the country’s administration they may do so with complaint departments that will register their complaint – both the department and the person as well as the nature of complaint.

Investigation and Investigator

A detailed investigation is conducted based on the complaints of one or more persons against any department of a country and necessary amendments brought in the administration of that department as a rectification measure. The matter is assigned to an investigating officer who looks into the matter and gathers as much evidence to prove whether a reported complains is justified or not.

Complaints Investigation Scheme

There are various schemes to encourage the registration of complaints in various areas of public life. This is especially true in the case of senior citizens and issues related to their health and insurance or any other aspect of difficulty in daily lives. There are also schemes about customer complaints whereby manufacturers and retailers can take better note and care of their patrons. Insurance and financial companies also put up cells and departments that look into the complaints of customers regarding their functions and efficiency rate.

Complains Investigation Bureau

There are different kinds of complaints investigation bureaus that are established across countries of the world. The sole aim of their departments is to redress the wrong doing of any area of function in the civil administration system. Here is a brief outline of the various types of complaint bureaus.

Fraud Investigation Bureau – There are several frauds and fraudulent activities that carry out dubious activities among the people. This may happen with a false bank cheque or internet information being leaked by network hacking. When such complaints are registered with frequency investigations are held to nab those who undertake such schemes to cheat the people.

Criminal Investigation Bureau – This bureau looks after all such investigations related to matters of criminals and crime activities in the various regions of a country. These investigators reach a conclusion after assessment of clues and evidence as well as witness to crime and criminal activities before they bring a criminal to justice.

Financial Complaints Bureau – In every country there are financial frauds and dubious activities that are undertaken by banks, financial institutions and even private fund management companies. To control such fraudulent activities there are investigations done on the functioning of such companies and brought to public and governmental notice.

Health Complaints Bureau – There are complaints made by people about lack of support from health departments or even getting their insurance claims cleared even after months. These are especially issues when it comes to matters of aged and or ailing citizens. Such matters are also brought under legal notice by way of adequate investigations.

Car Insurance Claims – Insurance Protection for Your Car

Car Insurance Claims

There are two ways that car insurance claims can be made these days. The first category is the cashless insurance scheme. In this policy the owner if a vehicle can get an injured vehicle repaired at any garage within the purview of the insurance company. The second category of car insurance is that where the owner gets to repair the car at his own choice of garage. The cost of the same can be applied for from the insurance company and got back as a reimbursement.

Car Insurance Claims Advice

There are certain aspects that need to be taken care of at the time of buying a car or any other vehicle. Here are some of the car insurance claims advices that will be helpful for you to go about and make your insurance claim.

It is very important for you to know the type of insurance that you are getting for yourself. There are cashless insurance policies, post paid policies and third party policies. You need to understand the aspects of each of these as well as the usability rate in your case.

There are insurance policies that are termed as ‘comprehensive’ insurance policies. These are supposed to include the cost of all kinds of damage to your vehicle namely accident, fire, theft. Theft of any parts of your vehicle as well as personal accident protection cost or medical expenses incurred. Despite the use of the term ‘comprehensive’ it is important to verify the actual coverage of such plans because oftentimes there are limitations and restrictions.

A third part insurance is the least that can be bought as part of car insurance. In this policy you get coverage only for the damage that is caused to other people and their property. It may be remembered here that you do not get any coverage for damage or loss that is caused to your vehicle.

It is important to note and understand the cost of premium of your car. This cost will help you to know the amount of coverage that your car is getting out of the policy. There are varying costs of insurance policies and these are indicative of the amount of coverage that the policy will provide.

In case there is an accident enough information should be collected about the date, time and the nature of the accident. Details should also be collected about the witnesses if any and the third parties involved as well.

Car Insurance Claims Problems

There are car insurance claims problems that arise due to a number of factors. These are mainly the outcome of a lack of information. Here are some points that you may remember so that there aren’t any car insurance claims problems in your case.

After the occurrence of an accident the first step that should be taken is contacting your insurance company. Irrespective of the causes or the one at folly a complete report should be filed for the claims.

Details of any accidents should be accurately and carefully taken down. This is crucial at the time of filing a claim. Problems often stem from the unavailability of such details and the requirement of the same by an insurance company.

Filing a police report after an accident is also necessary. Always secure a proper filing of the incident at the local police station or even gathering a report from an officer who was present at the spot. In the absence of police complaint you may face problems with your claims with the insurance company especially if the other party refuses to accept their faults.

Your Guide On Insurance Investigators

A lot of people and big business houses purchase insurance policies to insure valuable and costly objects against any kind of monetary losses. When some loss occurs, the policy holder claims or makes requests to get the insured money as a compensation for their loss. This is where people like claims adjusters, examiners, appraisers and investigators step in.

The adjusters and examiners investigate into the claims, make settlements, and authorize the payments. The appraisers make an estimate of the value of the item that is insured. The role of an insurance investigator is the most vital one because he has to review cases that pose chances of fraud or any misconduct. In this whole process, the job of investigator is the most challenging , attractive as well as demanding.

In many cases, the functions of the all these people becomes intermingled. But in the usual process, whenever the examiner or adjuster suspect mixed feelings in a case, they simply refer it to the insurance investigators. Note that the severity of a fraud can vary differently. Sometime there may be a staged accident, a false disability claim and sometimes even unnecessary medical expenses.

Therefore, an insurance investigator must complete a background search of the claimant as well as the witnesses. He must also check social Security numbers, drivers license numbers, aliases, addresses, criminal records, phone numbers, past claims histories, and medical records etc. Then the investigator records the sentence of the claimant. He may also examine the doctors license from which the claimant is getting treatment if any suspicion arises. He may also perform surveillance work in cases where the claimant applies for a disability benefit. This is actually to confirm whether he is really disabled or not. If he suspects any activity that goes against the condition stated, he may use it as a evidence in the courts also.

Working hours of an insurance investigator is quite irregular. This is because he has to make surveillance and meet people who are not available in the normal working hours. They may be required to work in the early mornings, late evenings, on weekdays and even on holidays. In few cases, he can be in the office like when he prepares databases or writes reports.

Regarding the educational qualification, there are no strict rules. But insurance companies prefer people who have some legal background. Even people who possess experience as examiners and adjusters are eligible to work as insurance investigators. The necessity of a license depends on the area in which an investigator is working.

In terms of qualities, an insurance investigator should be have a razor-sharp analytical mind. He should also be daring, assertive, with an eye for minute details and good communication skills. The salary of an insurance investigator varies with the reputation of the company and also the relevant experience of the investigator.

Insurance carriers, brokerages, agencies, private claims adjusting companies are the type of companies from which an insurance investigator normally gets his job.

What It Takes To Become A Private Eye?

A private detective agency or a private investigator is also referred to as a private eye. A private eye collects information for his client. This information is generally for a corporate body or an individual person. These people are not in any way related to the government or the military and police.

The areas in which a private eye generally deals are as follows – * Surveillance over a person like the spouse or the husband due to suspicion of an illegal affair. * To find a lost person. * Find proof for divorces. * Find background of employees that a company wants to recruit. This can include medical history, criminal history, employment history as well as civil history. * In cases of child dispute, gather evidence of whether the guardian is fit or not. * Maintaining security of well known personalities like singers, actors, players etc. *Collecting evidences for law firms. * Internet monitoring and surveillance.

There is no end to the number of activities a private eye can do. But there are certain things that a private must have in order to be on the run. First of all, a valid license is essential. Then a bond or an insurance cover is also important. This helps so that if anything is damaged like cars, house and so on then the client isn’t exposed. These two things are very essential to attract clients as well.

Working conditions of a private eye can vary from case to case. A private eye might be working in a plush hotel for sometime. Then the next month, he may have to work in a shabby bar. Working hours too are erroneous. Because a private eye has to meet people at odd hours, normal working hours dont count. A private eye usually works during early mornings, late nights, on weekends and on holidays. Although this job is exciting and challenging, there may be physical confrontation also.

Income of a private eye is very irregular. Sometimes you have to sit for weeks without any work. So you should be prepared to adapt to this situation. Living with low income in the beginning is an aspect for you to consider.

To become a private eye, you do no need any special degree. People who have a degree in criminology, psychology, and police science have a good advantage over others. Most of the people who join this field are either from the police, the military or insurance claims industry.

To become a successful private eye, you require some inherent skills in you. You need to be daring; you should have an eye for detail; good communication and reasoning skills are a must. Also, you need to adept in photography, forensic sciences and comfortable with the computer and fax machines.

Private Detective Training

A private detective training teaches you the basics as well the tips and techniques that are necessary to become a successful detective.

To become a private detective, you do not need any kind of training. The essential qualities that you need are: attitude, observation and quick analytical ability. With the increasing use of technology and other manipulative means by the corrupt people, detectives now need to more smart. That is why private detective schools have designed their training courses in such a way that detectives can deal with all kinds of crime – minor and major- as part of their training beforehand.

What is the eligibility to get training as a private degree? Generally people from all fields of study can get enrolled for the training. But people with graduation degree in subjects like criminal justice, law, criminology, psychology would have an added advantage.

What is the length of a private detective training?
Length of a training period can vary from 30 days to 9 months. This also depends on the structure of the course and the convenience of the person taking the course.

What is taught during a private detective training? Everything a private investigator needs to know is taught as part of the training program.

The first thing that they teach is how and where to get information. Because a detectives primary focus is to collect information. They prepare you with tips to collect information and thus, save your time.

The second thing that they teach is how to conduct undercover investigations. Being a detective, you have to conduct many undercover operations. You will receive specialized training for this coupled with materials and case studies of famous undercover operations.

Another thing that they teach is how to conduct interrogations and interviews. During the course of the training, you would be taught how to act with the hostile suspects and victims. You will be trained to conduct interrogations in the proper manner.

During the course of the training, you will also be taught how to procure license from the regulatory body in conformity with state laws. They also will teach how to easily pass the exams required to get the license.

During the course of investigations, the detective has to often write reports on the observations they make. These reports are subject to legal scrutiny also. Training schools also deal with this aspect. They impart training on how to write the reports so that everybody is convinced by the reports.

Training schools teach you how to preserve the evidence. Evidence can be of any form, in paper or soft copy or a diary or a persons testimony. This part is very important as a part of a private detective training.

A private detective training teaches you to efficiently use all the instruments that a detective uses in the course of his operations- computers, fax machines, pagers, camera and video camera.

Private Detective Schools

Private detective schools are those which teach the high school students or college graduates the basics and the techniques to become successful detectives.

Most of these schools offer online or mail courses. In the online environment, they get a virtual classroom atmosphere with all types of facilities which a school going student has. There are message boards where you can post your queries. Your queries are answered by the faculty and sometimes by members of reputed faculties also. Students receive challenging assignments, feedback and reports via this medium only. Instructor and students can interact using videoconferencing lessons or chat sessions. Most programs of the private detective schools can be completed in 9- 10 months. But the schools offer flexibility to its students and thus stipulate a time period of 2 years to finish the course.

A private detective school teaches a person the basics and the techniques to excel in this field. One of their primary focuses is to teach you on how and where to look for information. You learn to analyze what is reliable and meaningful to you. Thus, it teaches to save time while investigating. In the actual job, this is the first thing that you will do find information.

Private detective schools teach the students how to conduct an undercover investigation. In online courses, they will provide you with books on undercover investigation whereas in on-campus schools, you would be given practical training.

Thus, schools will teach you how to conduct interrogations and interviews, with emphasis on how to interrogate a hostile suspect or witness and how to interrogate in a friendly manner. In many cases, a private detective is required to document written confessions accurately. The schools will teach you how to prepare a legally valid confession and how to use it for defending and also prosecuting somebody.

In addition, a private detective school grooms you to undertake investigations in a professional way. You learn how to write reports during investigations in a proper and accurate way. Sometimes reports of private detectives may have to go through legal scrutiny. So training in these areas are crucial to fortifying competence as an investigator.

The course structure of private detective schools consists of sharing information and knowledge solutions in the following areas:

1. Data bases, surveillance equipment, Internet research, and surveillance technology. 2. Fingerprinting 3. Legal issues, security, records on birth, death , marriage. 4, Conducting undercover investigations. 5,Incarceration, DNA samples, forensic sciences 6. Basics of taxes, 7. Basic legal principles of privacy, 8. Firearms safety, 9. Using a photo camera and video.

After graduating from schools, students who aspire to become investigators often go ahead to join a private detective agency to practice on their own. The rare student opts to always have a competitive edge over the others and opts to be trained in a training school. While some go a step ahead to study criminal justice, psychology or other such type of subjects for enhancing their knowledge. In spite of the degree that you get, remember you need to pass an exam for getting a license to start your investigations.