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Foreigners’ identities stolen in housing scam

Fraudsters are finding new ways to trick house-hunters in Sweden, stealing the identities of real people in other countries to convince desperate would-be tenants to part with their money.

Foreigners' identities stolen in housing scam

“I’ve got no connection with Sweden at all, I don’t know how my name got involved in this,” Dr David Ramsdale, a cardiologist from Liverpool in Britain, told The Local.

Ramsdale’s name and photo were taken from the website of his hospital two weeks ago by a scammer preying on eager house-hunters in the west of Sweden.

His identity was then posted on a Swedish buy-sell site, together with a link to images of an apartment’s interior. Subsequent emails to interested Swedes explained that Ramsdale owned the flat but was unable to come to Sweden for a meeting.

However, if a 4,500 kronor ($675) deposit could be paid to him in the UK, he could send over the keys, according to the email.

“I had seven or eight emails from Swedes who were bright enough to do a background check. They all said that there had been other scams and they were just making sure,” he explained.

“I felt really bad for them. I emailed back, but there was nothing I could do for anyone else who saw the ad.”

While Ramsdale was concerned about the plight of house-hunters in Sweden, he was also worried about the theft of his own identity, and contacted UK police.

“The police said that no crime had been committed and that they couldn’t do anything unless I could prove that someone had made money from my name. I can’t prove it, I have no idea,” he said.

“I’m worried people might think it’s actually me and I feel helpless. The most useful thing I could do was respond to the emails.”

With thousands of students, expats and jobseekers looking for housing nationwide, coupled with a chronic shortage of rental apartments in Sweden’s main cities, more and more people are falling victim to similar scams.

Fifteen people were stung in a mass housing fraud in Stockholm on Monday, according to the Aftonbladet newspaper, where each of the house-hunters lost an “advance rent payment” of 5,500 kronor after responding to an ad on Blocket.se, a Swedish buy-sell website.

The “home-owner” had told them she needed the money to ensure that her trip across the country from Gothenburg wasn’t going to be a waste of her time.

But it wasn’t until all 15 people showed up to pick up a set of non-existent keys they realized they had been duped.

Meanwhile, Ramsdale’s stolen identity case is not the first time scammers have used a foreign professional’s title to lend credence to their offer.

A person claiming to be a neuro-oncology doctor from London, David S Wilson, has become notorious on house-hunting websites for a scam of his own making.

When The Local requested more information about Wilson’s flat, a reply in bad English (see verbatim email below) described in detail how it was furnished, the parking facilities and even the pictures on the wall:

“i bought this apartment for my son during he’s studies, but now he’s back home in London UK permanently, so i’m renting the place for unlimited time,” the email stated. It ended by requesting our name and contact details followed by a request for a “security deposit” of 5,000 kronor.

According to information on anti-fraud website Scamwarner.com, the same email has been used to try to defraud people as far away as Finland and Belgium.

So how can someone be sure they’re not getting fooled?

Jarl Jönsson, an advisor at the Swedish Tenants’ Association (Hyresgästföreningen), explained that the key is to be extremely thorough, no matter how desperate you are.

“Always go to the house and be sure there is an apartment there to begin with. While you’re there, check whether the building owner’s name is posted on a notice in the lobby. It’s a good idea to call them and be sure the would-be landlord has permission to rent it,” he told The Local in August.

“And before you hand over any money, also be sure to actually talk to the landlord.”

While Ramsdale no longer receives emails about the apartment, he has since discovered that a colleague had been hit by a similar Swedish scam, and reported the matter to Swedish police but to no avail.

Claiming that authorities are “uninterested unless someone is killed”, Ramsdale expects that the trend can only continue in the same direction.

“Someone is suffering somewhere and it’s terrible. But even if they sort it out in Sweden, the con artists will probably just move on,” he told The Local.

“All I can say is that I would never give away my money like that. People shouldn’t give anyone money until they’ve at least seen a property.”

Oliver Gee

Follow Oliver on Twitter here

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PROPERTY

How to ensure your French property is insured for storm damage

Storm Ciaran’s property-wrecking passage through France - with another storm forecast for the weekend - may have many people wondering how comprehensive their insurance cover is. 

How to ensure your French property is insured for storm damage

In the wake of Storm Ciaran, thousands of property owners in France are preparing insurance claims – with initial estimates of the bill for damage between €370 million and €480 million.

Home insurance is compulsory in France, whether you own the property you live in or you rent – and it must include some level of storm damage cover. 

Check also to see if your insurance provides cover in case of a declaration of a catastrophe naturelle.

The garantie tempête (storm guarantee) covers damage caused by violent winds. What constitutes a ‘violent wind’ varies from contract to contract, but there appears to be a widespread consensus of agreement on wind speeds over 100km/h.

In most insurance contracts, this covers damage caused by the storm and within the following 48 hours – so you’re covered if, for example, a tree weakened by the storm comes down within that period and damages your property.

Be aware that, while the storm guarantee automatically covers the main property, it generally only covers any secondary buildings and light constructions – such as a veranda, shed, solar panels, swimming pool or fence – if they are specifically mentioned in the contract. 

The same is true of any cars damaged by debris. A basic insurance contract might not include storm damage, so it is always worth checking.

Damage must be reported to your insurer as quickly as possible. The deadline for making declarations is usually five days after any damage is noticed. This is especially important for second home owners, who may not be at the property when the damage occurs. 

In some cases – such as in the aftermath of Storm Ciaran – insurers may extend the reporting period. But under normal circumstances, it’s five days after the damage has been discovered.

What happens next

To make a claim, the first thing to do is contact your insurer by phone or email. Your insurer will take you through the next steps, but usually you have to send in a declaration – which should include an estimate of any losses and for any repairs, with evidence where possible, such as photographs and any receipts for purchases. 

Your insurer may also request proof of wind intensity, which can be provided for example by a nearby weather station.

The insurance company may appoint an expert to come and assess the damage, so make sure to keep damaged property safe until they arrive, as well as all invoices for any urgent repair work. 

What if you’re a tenant?

If you rent your property, you must report any damage inside the accommodation to your insurer and also notify your landlord so that they can file their own claim. 

In the case of a co-propriete, you must declare damage inside the accommodation to your insurer, while the trustee sends his own declaration to the collective insurance (which sometimes covers the private areas) .

How long does it take for claims to be settled?

Payment of the compensation provided for by the “storm guarantee” depends your home insurance contract. After the insurer has estimated the amount of damage, compensation is generally paid between 10 and 30 days following receipt of the insured’s agreement.

What if we got flooded?

In the case of flooding, you may have to wait for a natural disaster order to be issued. 

Catastrophe naturelle

The ‘state of natural disaster’ is a special procedure that was set up in 1982 so victims of exceptional natural events, such as storms, heavy rain, mudslides and flooding, as well as drought, can be adequately compensated for damage to property.

The government evaluates each area and deems whether it qualifies for the status of catastrophe naturelle (natural disaster). 

Essentially once a zone is declared a natural disaster, victims can claim from a pot of funds created by all insurers. If the zone is not declared a disaster, insurance companies are under no obligation to pay out. 

Under a “state of natural disaster” residents are covered for all those goods and property that are directly damaged by the phenomenon, in this case storms.

It applies to residential or commercial buildings, furniture, vehicles and work equipment that are already covered by insurance policies.

Homes must be already covered by a multi-risk insurance policy for the status of natural disaster to count.

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