Romance fraud: How to spot a Tinder swindler

Netflix documentary The Tinder Swindler exposed the tactics used by an alleged romance fraudster who is believed to have stolen millions of pounds from a series of women across Europe.

The world of private jets and supercars might seem far removed from the romance frauds that people in Essex have been victims of, but the psychological grooming methods used are exactly the same.

The latest fraud stats revealed there had been 202 reports of romance fraud across the county with losses totalling £2.36m – an average of more than £13,000 per victim.

Nationally, Action Fraud figures showed £99.4m had been lost to romance fraud, however the real figure is likely to be higher due to underreporting.

The UK has the third highest number of dating app users in the world with more than 11m people looking for love online but what are the warning signs people should look out for when meeting potential new love interests online?

The illusion of wealth

Does your new match appear to live the high life, or have assets worth a lot of money? Do their social media accounts feature shiny new cars and expensive holidays? Do they claim to have a well-paid career?

The Tinder Swindler claimed to be a billionaire diamond mogul’s son. Does it all look a bit too good to be true?

Let’s talk somewhere else

The Tinder Swindler got his victims to leave Tinder and message him using WhatsApp. When you are chatting on a dating platform, you are bound by their rules, you can report people and get them banned. There are no rules governing communication on other apps. Stay on the platforms.

Playing the long game

Romance fraudsters don’t dive in immediately asking for cash. They build trust over many months and hundreds of hours of phone and video calls, finding out background information about you and building a bond.

They may create a backstory that tugs on your heartstrings, like claiming to be widowed, a single parent or the victims of misfortune in their personal or work lives.

One of the Tinder Swindler’s victims apparently met his ex and their child who said what a great guy he was. But were they who they claimed to be or part of the fraud? Fraudsters may have accomplices who will try to add credibility to their stories by posing as close relatives and children, or they might Photoshop and share images of people who they claim are their family.

I need your help, now!

Something bad has happened and you’re the only person who can help the fraudster.

They may be being threatened by a gang, have had their credit cards stopped for reasons beyond their control, need a short-term loan to complete a business deal, are ill in hospital and need money to pay for a surgical procedure, or be abroad without access bank accounts.

All of these scenarios are designed to panic you into handing over cash.

Making and breaking arrangements

Romance fraudsters make and break arrangements at the last minute leaving you waiting at airports or train stations.

They may then blame this on visa issues, travel delays or work emergencies. Some may even use it as an opportunity to ask or more money by claiming to need cash to extract themselves from the situation so they can see you.

Laundering money

What might seem like an innocent request to put a bank account or credit card in your name could actually be a front for money laundering, with the you used as a go-between to help hide illegally-acquired funds. Money from one victim can also end up funding the grooming of another. Fraudsters may also share fake documents as “proof” that you’ll get your money back.

Threats

When you start to ask the difficult questions or accuse the fraudster of cheating you out of money, they can drop the pretence and start being aggressive. Their biggest fear is their scam unravelling so they will use threats and bribery to stop you from talking. They may threaten to send explicit photos to your family or colleagues or tell you you’ll come to physical harm if you go to the police.

If you believe you’ve been a victim of romance fraud, call us on 101.

You can also contact Action Fraud – the national fraud and cybercrime reporting centre – by calling 0300 123 2040.

Every year, the British public loses billions of pounds to fraudsters. With scams ranging from the simplest confidence trick to the most sophisticated high-tech online fraud, it pays to keep up to date with the latest news and advice.

Find out more about fraud, its many types and how you can report it on our fraud advice pages.

If you think you have been a victim of fraud, please report it.