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Welcome to what experts call the illusion of invulnerability — the belief that frauds happen to others but not you.Overconfidence in your ability to spot bad guys is a dangerous thing.

People are often ashamed to come forward and admit that they’ve been duped.The military rep: “I’m from the Veterans Administration, and you are entitled, as an ex-soldier, to benefits from this program.In August, a British man was sent to jail after defrauding two women of over £300,000 (5,300) through online dating sites.But beware: Some suppliers employ telemarketers and door-to-door salesmen to recruit new customers with promises of lower rates for switching.But after a brief introductory period, rates may suddenly skyrocket — and you find yourself locked in a long-term contract with high cancellation fees.

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