They did it to make their lives better!
Circumvent the law and finding flaws in the system is not only the destiny of frauds.
Enterprising people around the world thanks to their unconventional thinking find benefits where, apparently, they cannot be found. And these stories are not necessarily the invention of Hollywood screenwriters.
A former law enforcement officer 42-year-old Dmitry Agarkov found fame all over the world thanks to his joke on the bank “Tinkoff. Credit systems”.
He scanned a contract sent to his e-mail and made his own changes in small print, adding that the interest rate on the loan and the commission on cash withdrawal is 0%. The Bank signed the document, simply because none of the staff re-read the contract. After two years of using the bank credit card, “Tinkoff” at last filed a lawsuit, which the court refused to satisfy. Agarkov himself started vindicating his rights through the court, as he decided to sue the credit organization for 24 million rubles, but the two sides cried quits after many trials.
His story was widely discussed in circles of bankers, investors and financiers.
The security department of one American company once discovered that a member of staff spends too much internet traffic to search for videos, as well as regardless of the company activity internet browsing Reddit and eBay sites. It turned out that a forty-year specialist in software simply delegated all his work on outsourcing to professionals in China. By the way, to pay for the services of Shanghai workers he needed only a fifth of personal income, so that for viewing videos with cats and online shopping he was also paid extra.
Two young folks from New Jersey placed an ad in New York Post for the sale of set of 10 top films marked XXX for only $ 49.95. Typically, a set of 10 tapes costed not less than $ 100, and the proposal seemed very profitable to fans of the genre. The main condition of the deal was the payment by money transfer or check by post – cash and credit cards were not accepted. There was a number of customers. Enterprising guys opened a bank account where the transfer of funds from checks was received.
The company, for which the account was opened, dignified with a sounding name CHILD PORNOGRAPHY VIDEOS INCORPORATED. Thereafter, adolescents sent back a letter that because of the large number of people willing they were unable to meet all the orders. A check for $ 49.95 from the company CHILD PORNOGRAPHY VIDEOS INCORPORATED was enclosed with a letter, but no one was in a hurry to cash in, so as not to arouse suspicion. Although all of the checks and the account was absolutely legal, customers were not fighting for their rights for ethical reasons.
CitiBank has a credit card, which allows you to recover 5% of the purchase at the expense of telephone operators Airtel, BSNL, Vodafone and others. Check of telecom services is carried out on the basis of Merchant Category Codes, and delivery of finance and the determination of its status is carried out by MasterCard and Visa. Airtel has launched its e-wallet that can be funded by credit card or internet banking, and use this money when shopping online. MCC (4-digit number which classifies the trading activity in terms of payment transactions on bank cards) from Airtel and CitiBank companies is the same, so the percentage of transactions with the bank cards can be transferred to a purse of telephone operator, and then send it to the card account again. Many Americans took the advantage of this loophole before it was found at last.
Many years ago, a mass intraurban migration of citizens of American Seattle dramatically changed its appearance. It all started with the fact that in the early XX century, one of the very enterprising townspeople found that according to the law movable property, such as boats, rafts and other water transportation, is not taxed, and therefore, it is possible to build a house on the water and pay nothing for it to the State. So, washed by the Pacific Gulf on one side and by Lake Washington on the other, Seattle was quickly overgrown with houses on rafts and boats. These homes were built mainly by those who could not afford to buy land.
Over time, the floating houses have captivated the entire lake, leading to contamination of the ecosystem of the reservoir and state intervention. Number of water buildings was limited, electricity was brought to the homes, and the status of houses on rafts was equated to conventional buildings. From shelters for the poor these houses turned into homes for particularly wealthy citizens. Now houseboats are considered as one of the city’s attractions.