Basically everything David Carter told me was a lie (except the fact that he was an ardent Manchester United soccer fan!) I got a call from the Kent (UK) police today notifying me that he does not live at the address: 7 King Edward Avenue, Dartford, Kent, UK; he does not have a daughter named Nicole who recently graduated from Greenwich University with a major in drama.
He contacted me last November through Perfectmatch.com and told me this story about having been divorced 5 years, his ex-wife was supposedly a drug addict and he finally divorced her because of his daughter. He said he was Catholic and had gotten his marriage annulled after the divorce.
He told me he was a graduate of the university in Birmingham, England, had a degree in accounting and had worked as an internal auditor for HSBC bank in London. He said he took early retirement when he got his divorce and then went into business for himself as an external auditor.
He said he had a sister who lived in Nottingham and that she was a teacher who was married to an engineer. She supposedly had two children.
He said he had a German Shepherd named Rooney. (He did have a dog because I often heard it barking while we talked on the phone.
Fairly early on in our relationship he said he had had an auto accident and needed money to buy a replacement car and asked if I could loan him some money. I said I didn't feel that I knew him well enough to do that. He seemed a little perturbed about that, but got over it.
After we had been talking daily on the phone for about 7 months he began talking about coming to the U. S. He said that he would need to cash in on something he called a 'sinking fund.' He said he was a little short on what he needed and asked if I could loan him $10,000 for a couple of weeks. I said I couldn't raise that much cash. He even suggested my cashing in stock, selling jewelry, etc.
After a month or so he said that he actually only needed $8,000 and assured me that after he got the money into the 'sinking fund' he would get approximately 60,000 British pounds and could repay me within 7 working days. I stupidly believed him and when I couldn't raise the money from my own funds, got a friend to agree to loan me the money with the assurance that I would repay it in two weeks. David continually assured me that this would not be a problem. He was insistent that he have the money by the end of August, but it was actually the Friday before Labor Day that I wired the money to an account in Hong Kong. He said that the company was one of his clients and that he could avoid paying British taxes on the money if I wired it to that account. I questioned it, but, being a complete idiot, I trusted him and wired the money. Within 30 minutes of wiring the money I tried to phone him to let him know that the money was on its way. I was absolutely shocked to get a recording saying that the phone number I was calling was no longer in service. I sent him several e-mails saying that something was terribly wrong with his phone and he needed to phone me immediately. I went back to the bank and tried to recall the wire transfer, but was told it was probably too late. And, because of the holiday weekend, I would not be able to check to see if they could recall it until Tuesday and by that time it would already be in his account.
I kept trying to reach him and even had the operator try and each time was told that the phone was no longer in service. I was literally sick to my stomach! I did not hear from him until almost midnight UK time and he gave me the excuse that his phone battery was dead. He said he had been having a lot of trouble with his cell phone and would get another one the next morning. He said he would call me early so that I could call him back and be reassured that this was not a scam. Sure enough, he phoned me around 10 a.m. U. S. time and I phoned him back and had no trouble reaching him. I explained that the people at the bank had been very suspicious of my wiring him the money and had even asked me how well I knew him. I said I was certain he was honest! Man, was I ever the world's biggest fool!
Over the next week our once daily phone calls became more scarce. On September 12 he phoned me at 6 p.m. our time, which is 11 p.m. UK time saying that he had sent me an e-mail telling me he had gotten bad news that day but that he felt he had to phone me to tell me by phone that the 'sinking fund' had notified him that he could not get his money for 90 days. I was in a state of shock. I just couldn't believe that this had happened -- especially to somebody who was supposedly a former bank employee and auditor. He said he had no idea there was such a rule. I said that I had thought all along he had scammed me and he assured me that he had not. He acted very hurt that I would even think that he had scammed me. But, after that phone call I didn't hear from him for four or five days and when I did it was a brief e-mail saying that he was so upset that he just couldn't talk to me right now. I kept sending him e-mails and trying to phone him but would get no answer to either.
I had to tell my friend that I had been scammed and then had to meet with her and her attorney to work out a payment plan. When I sent him an e-mail that I could possibly lose everything because of what he had done, I got back a very angry e-mail saying, 'so what if I lost everything...' I couldn't believe it.
He sent me one final e-mail saying that he was still very upset over the 'seriousness' of what he had done and told me to bear with him because he still loved me.
At that point I had met with my attorney who advised me to contact the FBI and the Kent police to report this as a scam, bank fraud, cybercrime and money laundering scheme. The Kent police suggested I send him a registered letter, but you cannot guarantee that a letter sent registered from the U. S. will be delivered as a registered letter with a signature, so I sent it by UPS. UPS notified me that there was no known person by the name of David Carter at the address he had given me for the wire transfer. When the Kent police checked, they verified that fact.
This man is very clever at convincing you that he is quite legitimate. I have a master's degree and should have listened to the bank personnel as well as my own inner voice that kept telling me that something about this whole thing just didn't seem right, but I had fallen in love with this man and had hoped to marry him. His coming to the U. S. for a visit was to be the first step in our plans to spend the rest of our lives together. I can't believe how gullible I was and how easily he was able to scam me. I really do feel foolish and now will probably have to sell my home just to be able to repay my friend.