I think I have been scammed

Real stories

Someone at the door, offering work

A knock, a good deal on paving, a roof or a new furnace, and a contract to sign today. Under each story: where it could have been stopped, and how.

North Saanich, British Columbia · December 2023

He agreed to about $2,000 of paving. The bill was $14,000.

Paid nothing

Jim, 83, was rushing out to choir practice when two men knocked. They said they were brothers, worked for a paving company, and had material left over from another job. He agreed to a price per square foot for a small part of his driveway.

“I may have committed myself to as much as $2,000 here.”

Jim, 83

When he came home, they had paved the entire driveway, poorly, and wanted $14,000. When he hesitated, they said they would take $10,000, and told him to get a bank draft. One of them followed him to the bank in a truck.

On the way, he began to question it. He told the teller, and she told him not to go through with it. The company named on the trucks said later it had never worked in the province.

CBC News, 29 December 2023. “Vancouver Island man speaks out after suspected paving scam leaves Ontario company caught in crossfire”

Step by step, and what stops each one

  1. Stage 01

    Two men at the door, with a good deal on paving.

    What stops it here

    A deal that only works today, on your doorstep, is the pitch. Tell them you need time, and close the door.

  2. Stage 03

    Brothers, a company name and logos on the trucks.

    What stops it here

    A name on a truck can be borrowed, and here it was. Find the company’s number on your own and ask whether these men work for it.

  3. Stage 04

    A small job agreed, then the entire driveway done, and $14,000.

    What stops it here

    Get the price in writing before work starts. A job that grows while you are out is a bill you never agreed to.

  4. It stopped here

    Stage 05

    A bank draft for $10,000, with one of them following him.

    The teller heard the whole story and advised against paying.

    What stops it here

    Tell the teller who is waiting outside and why. That is how this one ended.

Ontario · September 2024

A free upgrade at the door became a mortgage on the house

Some had to sell their homes

Police say salespeople went door to door in Ontario, signing people up for home services and renovations at very high prices. Many believed the work was free, paid for by government rebates and grants.

The contracts were then used to register a claim against each home, similar to a lien, without the owners knowing. Those claims were paid off with high-interest mortgages on the homes. Some people had to sell their houses.

“It is evident this fraud has been financially, emotionally, and physically devastating for many victims across the province.”

Ontario Provincial Police

Police say more than 200 people were defrauded. In September 2024, two men were arrested and Canada-wide warrants were issued for three more.

CBC News, 18 September 2024. “2 arrested, 3 wanted in scam that cost over 200 Ontarians, police say”

Step by step, and what stops each one

  1. Stage 01

    A salesperson at the door.

    What stops it here

    You can say no to anything offered on the doorstep, and ask for it in writing to read later with someone else.

  2. Stage 02

    Work that was free, paid for by government rebates.

    What stops it here

    Government rebates are applied for by you, not delivered by a stranger at the door. Phone your named person before you sign.

  3. Stage 04

    A contract signed at the door.

    What stops it here

    Read any contract with somebody else before you sign it, however small the job sounds.

  4. Stage 06

    A claim on the house, then a high-interest mortgage.

    What stops it here

    If anything was signed at the door, ask your bank or a lawyer what is now registered against your home.

Do this beforehand

A deal that has to be agreed on the doorstep is not a deal.

Jim told the teller what was happening, and she stopped the draft. Decide now: nothing gets signed or paid at the door, and every quote goes in writing to someone else first.