The thing about Western Union is that payments are in no way traceable or accountable. The underlying system behind Western Union was crafted so people could send money to friends, relatives and trusted recipients ONLY. This is a well documented fact and Western Union even have it written on their website: “The service a great way to send money to someone you know and trust but if you need to send money to someone you don’t know well you may be putting yourself at risk of fraud.” In my opinion this sums up exactly why you shouldn’t be using Western Union as a means of expediting funds to someone you’ve never met.

Accepting a Wester Union payment requires no proof of identity but solely relies on a ‘pre-established code’. This code is what proves your right to the funds. So in essence, anyone who has this code in their possession is entitled to the funds connected to it. Anyone with the requisite recipient information can claim the funds as cash and vanish! This is the exact reason why so many scammers use Western Union as their payment method of choice. To my knowledge, the only known means of checking the identity of the person drawing the funds is to contact Western Union to see whether the branch had a CCTV record which could be passed to your local police department. This would require you to file a complaint first, and as the amounts are usually small, a lot of people simply don’t bother. It’s always worth it though, perhaps not to your own personal case but it could build up a picture of the scammer, if he pulls the same stunt on a lot of different people.

A Western Union transfer as I’ve described it sounds like a pretty horrible thing, but it isn’t. It’s great for the purpose which it has always been intended to serve. Worth noting however is that you should never, never, never use Western Union to send money to someone you’ve never met and isn’t directly related to.