The victims reported collective losses of .4 million, which is likely only a fraction of the actual losses since many victims are too embarrassed to file a report, the FBI said.About 70% of the victims were female; more than half were women 40 years or older.The scammers are using their images without their knowledge or permission to deceive their victims and steal their money.

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Scammers change names, identities, the photos they steal and use more often than most of us change our underwear.

There can be several scammers at any one time using the same name and photo to steal from their victims.

A check or money order is only a promise to pay or provide funds.

When you deposit either in your account, in essence you are making a guarantee that the funds will be provided.

Shortly after I signed up to a mature dating site for over 40s, I got entangled with a man called Charlie.

His pictures looked nice, he looked clean cut, tall, just how I like them!

When they aren't, you have agreed to personally make them good.

Scammers are on dating sites, and social networks setting up fake profiles.

When single Isobel Clarke's thoughts turned to giving online dating a go a little while ago, she was hoping to meet a nice man, perhaps experiencing some natural highs and lows along the way.

She was not prepared to be the victim of a romance scam...

In a typical con, the perpetrator will spend weeks or even months building up a romantic relationship with a victim through e-mails, texts or phone calls, before eventually asking for money.