Massive Fraud Under the Name "Zam Zam Electronic": A Detailed Report on Scams Targeting Families of Nepali Migrant Workers.
Recently, a shocking and heartbreaking case of fraud was exposed in Khairahani-2 of Chitwan district. In this incident, scammers specifically targeted the families of Nepalis working abroad, operating under the fake identity of a company named "Zam Zam Electronic." This case clearly shows how deeply rooted online fraud has become in Nepali society.
It also highlights how platforms like Facebook and WhatsApp are being used to spread false advertisements and manipulate innocent citizens into falling victim to massive financial scams.
Fraud Initiation, Operation, and Strategy
False Promises and Viral Campaigns:
A fake advertisement goes viral on social media, stating:
𝘼𝙨𝙨𝙖𝙡𝙖𝙢𝙪 𝙖𝙡𝙖𝙞𝙠𝙪𝙢!
🎁𝙕𝙖𝙢 𝙕𝙖𝙢 𝙀𝙡𝙚𝙘𝙩𝙧𝙞𝙘𝙤𝙣🎁 𝙠𝙞 𝙩𝙖𝙧𝙛 𝙨𝙖 𝙖𝙥𝙠𝙤 20 Lakh rupees help kia jata Hy humko Whatsapp pr call kro 𝙄𝙥𝙝𝙤𝙣𝙚 14 𝙋𝙧𝙤 𝙢𝙖𝙭 📱, 𝙇𝙖𝙥𝙩𝙤𝙥 💻 𝙐𝙡𝙩𝙧𝙖 𝙬𝙖𝙩𝙘𝙝 ⌚,𝙄 𝙋𝙖𝙙 𝙜𝙞𝙛𝙩 𝘿𝙞𝙚𝙖 𝙟𝙖 𝙧𝙝𝙖 𝙝𝙖𝙞𝙣..𝘼𝙥𝙣𝙖 𝙜𝙞𝙛𝙩 𝙧𝙚𝙘𝙚𝙞𝙫𝙚𝙙 𝙠𝙧𝙣𝙮 𝙠𝙞𝙡𝙮𝙚 𝙃𝙖𝙢𝙧𝙖𝙮 𝙬𝙝𝙖𝙩𝙨𝙥𝙥 𝙥𝙖𝙧 𝙘𝙤𝙣𝙘𝙚𝙩 𝙠𝙧𝙤जम्जाम इलेक्ट्रोनिक्सले तपाईंलाई २० लाख रुपैयाँ दिँदैछ। २० लाख रुपैयाँ प्राप्त गर्न, हामीलाई व्हाट्सएपमा कल गर्नुहोस्। 🛬🛫✈️🚛🚚🚐🛵🗾🌐
🇮🇳🇵🇰🇸🇦🇧🇩🇳🇵
𝙎𝙞𝙧 𝙤𝙥𝙚𝙣 𝙩𝙝𝙞𝙨 𝙬𝙝𝙖𝙩𝙨𝙖𝙥𝙥 𝙡𝙞𝙣𝙠
👇👇👇👇👇
Upon clicking the link, communication begins between the scammer and the victim.
Psychological Manipulation: The Trust Trap:
Using a fake ID to gain credibility
The "Gift Winner" Illusion:
Victims receive messages via WhatsApp or Messenger, such as:
“You are our lucky winner!”
The scammer collects the victim’s name, address, and phone number. A fake certificate is sent claiming that the victim has won 20 lakh rupees in cash.
The Fake Bank Check and Tax Trick:
The fraudsters say that transferring money directly to Nepal
is difficult and show a forged check from "Bank of Kathmandu." They say:
“If you can deposit Rs. 2 lakh as revenue tax, we’ll send you the check to Nepal.”
They provide a NIC Asia Bank account number and ask victims to deposit the money.
Full Fraud Process:
First Phase:
Victim deposits Rs. 77,000
Second Phase:
They demand another Rs. 85,000
Once a total of Rs. 1,62,000 is deposited, they still ask for an additional Rs. 38,000.
Third Phase: Threats and Psychological Pressure
If the victim cannot pay more, the scammers start threatening them. They insist on sending the remaining amount, sometimes even via Messenger calls.
Now, the victim, unable to arrange money, considers selling jewelry or calling their son abroad—leading to the exposure of the entire scam.
Victim's Pain and Disclosure
All this is done in secrecy. Parents hide everything from their children abroad and send the money in their son’s name.
When they can’t afford the remaining amount, they finally contact their son.
After understanding the whole situation, the son advises filing a police complaint, which leads the case to Ratnanagar Police Office, Chitwan.
Fraudsters' Structure and Tools
Use of Technology:
WhatsApp Business accounts are used.
Communication is done via Messenger voice/video calls.
Fake checks and certificates are created using Adobe Photoshop or mobile apps.
Banking Trickery:
Bank names like NIC Asia and Bank of Kathmandu are used.
But the accounts are personal, not organizational.
Legal Aspects and Investigation:
Chitwan Police’s Cyber Crime Unit has initiated an investigation.
Such cases fall under the Cyber Crime Act 2063 (Articles 4 and 6), which allows legal action.
Banks are also cooperating for document verification.
How to Stay Safe from Such Scams?
1. Recognize Warning Signs:
Offers that sound too good to be true.
Requests for advance payments via WhatsApp or Messenger.
Bank deposits asked before receiving any gifts.
2. Safe Practices:
Always consult with relatives or experts before making any financial transaction.
If scammed, immediately report to the nearest police station or cyber bureau.
If you see suspicious ads or messages, report them with proof.
Impact on Society:
Scammers are targeting families of hard-working Nepalis abroad.
They’ve turned the theft of citizens’ earnings into a business.
The emotional, social, and financial pain caused is deep and long-lasting.
Conclusion:
The "Zam Zam Electron" case is just one example of the rising threat of online fraud in Nepal.
Unless we become vigilant and provide cyber awareness to the general public, such incidents will continue.
It is urgent that we all stay alert and avoid such manipulations.
Request to Authorities:
Treat this type of fraud as a serious offense.
Work with banks and social media platforms to identify the culprits.
Help victims recover their money and ensure justice.
Public Appeal:
“If you or someone you know has been a victim of such scams, do not stay silent. Report to the police.
Your one report may protect thousands of others.”
Let’s all stay alert and safe.
If you found this report useful, please share it. Bringing these fraudsters to justice is our collective responsibility.
- Prakash Dahal
Editor and Publisher
Prakash Dahal Online Services.
Gothswarko Serophero Online Newspaper.
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