This is a section that can answer those questions and direct you to other areas on our site that will have more details on how to understand aftermath of a romance scammer.
When you deposit either in your account, in essence you are making a guarantee that the funds will be provided.
When they aren't, you have agreed to personally make them good.
Scammers are on dating sites, and social networks setting up fake profiles.
Ms Fowkes, a self-employed child care consultant, began sending money to Nigeria in August 2010 after her internet lover failed to visit her at Heathrow after telling her he had booked a flight.
She said: "He was due to come for a visit in August but he wasn't on the flight and then when he rang later that day he said they stopped him at customs to do with tax issues with his business.
"Two weeks later he started asking me for money." The man masquerading as John Hawkins claimed he was being fined by the government for the tax that he owed.
But West Mercia Police visited Ms Fowkes and broke the news that she was the victim of a con artist.
Robin Longmore, a financial intelligence development officer for West Mercia Police said: "Through our investigations we started to believe Vicky was a victim.
This kind of thing is a massive problem in Nigeria and Ghana with groups of men sitting in internet cafes all conning people over their internet dating sites.
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After you discover the scam you may have questions regarding the person you were talking to, the money you may have sent, the checks you may have cashed, how to report the scammer or just how the scam works.