{"id":327,"date":"2011-04-20T10:52:08","date_gmt":"2011-04-20T10:52:08","guid":{"rendered":"http:\/\/wp2.edge.is\/?p=327"},"modified":"2016-11-07T10:53:07","modified_gmt":"2016-11-07T10:53:07","slug":"lanastofnanir-i-bandarikjunum-bregda-a-skjalafals-rafraent-form-ekki-gilt","status":"publish","type":"post","link":"https:\/\/heradsskjalasafn.is\/?p=327","title":{"rendered":"L\u00e1nastofnanir \u00ed Bandar\u00edkjunum breg\u00f0a \u00e1 skjalafals \u2013 rafr\u00e6nt form ekki gilt"},"content":{"rendered":"
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Svok\u00f6llu\u00f0 \u201epapp\u00edrslaus vi\u00f0skipti\u201c og algj\u00f6rlega rafr\u00e6n m\u00e1lsme\u00f0fer\u00f0 fr\u00e1 upphafi til enda hafa leitt til \u00feess a\u00f0 fj\u00e1rm\u00e1lastofnanir \u00ed Bandar\u00edkjunum vir\u00f0ast ekki hafa gild skj\u00f6l \u00ed h\u00f6ndum \u00feegar \u00feeir hyggjast ganga a\u00f0 ve\u00f0um h\u00fasn\u00e6\u00f0isl\u00e1na.
\n\u00cd \u00feessum vandr\u00e6\u00f0um hefur veri\u00f0 leita\u00f0 til skjalaf\u00f6lsunarverksmi\u00f0ju \u201eDocument Forgery Mill\u201c. \u00c1 \u00feetta r\u00e1\u00f0 var brug\u00f0i\u00f0 \u00feegar ekki voru fyrir hendi l\u00f6glega ger\u00f0 og gild skj\u00f6l til s\u00f6nnunar. Milljar\u00f0ar bandar\u00edkjadala eru \u00ed h\u00fafi.<\/p>\n

Skjalaf\u00f6lsunarverksmi\u00f0jan gengur undir \u00fev\u00ed strauml\u00ednulaga\u00f0a nafni Docx.<\/p>\n

Lynn E. Szymoniak komst a\u00f0 \u00feessu, \u00feegar h\u00fan st\u00f3\u00f0 sj\u00e1lf gagnvart ve\u00f0kalli \u00ed eign s\u00edna. \u00cd henni hittu l\u00e1nardrottnarnir fyrir l\u00f6gfr\u00e6\u00f0ing sem hefur \u00fej\u00e1lfa\u00f0 FBI agenta og er s\u00e9rfr\u00f3\u00f0 um skjalafals.<\/p>\n

Fr\u00e1 \u00feessu er sk\u00fdrt \u00e1 CBS sj\u00f3nvarpsst\u00f6\u00f0inni:
\nMyndskei\u00f0<\/a>
\nTexti<\/a><\/p>\n

\u00deetta vekur \u00e1hyggjur \u00ed lj\u00f3si hugmynda um \u201erafr\u00e6na skjalav\u00f6rslu\u201c og gildi \u00feeirra gagna sem lenda \u00ed sl\u00edkri v\u00f6rslu eftir a\u00f0 hafa veri\u00f0 varpa\u00f0 rafr\u00e6nt \u00e1 v\u00f6rsluform og framk\u00f6llu\u00f0 aftur \u00e1 l\u00e6silegt form. Ver\u00f0ur h\u00e6gt a\u00f0 treysta sl\u00edkum g\u00f6gnum t.d. mi\u00f0a\u00f0 vi\u00f0 kr\u00f6fu d\u00f3mst\u00f3la um millili\u00f0alausa s\u00f6nnunarf\u00e6rslu? \u00datprentun b\u00fain til eftir \u00e1 af \u00f6\u00f0rum m\u00e1lsa\u00f0ila \u00ed \u00e1greiningsm\u00e1li, beinl\u00ednis \u00ed tilefni m\u00e1lsins, er b\u00fdsna vafasamt s\u00f6nnunargagn og \u00f3l\u00edklegt a\u00f0 \u00fea\u00f0 standist.<\/p>\n

Fari stj\u00f3rnv\u00f6ld \u00fat \u00ed \u201erafr\u00e6na skjalav\u00f6rslu\u201c \u00e1n \u00feess a\u00f0 takast \u00e1 vi\u00f0 \u00feetta vandam\u00e1l, er h\u00e6tt vi\u00f0 a\u00f0 vandam\u00e1li\u00f0 b\u00edti \u00feau illa \u00ed afturendann l\u00edkt og bandar\u00edsku bankana. Ska\u00f0inn sem af hl\u00fdst ver\u00f0ur borinn af \u00feeim sem broti\u00f0 er \u00e1 me\u00f0 svona \u00e1byrg\u00f0arleysi, l\u00edklega yr\u00f0u \u00fea\u00f0 skattgrei\u00f0endur \u00feegar upp er sta\u00f0i\u00f0.<\/p>\n

H\u00e9r \u00e1 landi er \u00feess vel g\u00e6tt a\u00f0 afla undirskrifta \u00e1 l\u00e1naskj\u00f6l. \u00c1 hinn b\u00f3ginn kemur h\u00e9r fyrir r\u00edk drottnunarhyggja yfir skj\u00f6lum einstaklinga sem kynnt er \u00ed formi rafr\u00e6nnar \u00fej\u00f3nustu af h\u00e1lfu opinberra stofnana og fj\u00e1rm\u00e1lastofnana. F\u00f3lk er neytt til \u00feess a\u00f0 afsala s\u00e9r papp\u00edr me\u00f0 innheimtu se\u00f0ilgjalda og grei\u00f0slu fyrir a\u00f0 f\u00e1 send skj\u00f6l og reikninga \u00e1 papp\u00edrsformi. Launase\u00f0lar eru sendir \u00feri\u00f0ja a\u00f0ila (banka) til birtingar \u00e1 netbanka og hverfa svo \u00fea\u00f0an \u00ed t\u00edmans r\u00e1s. \u00deetta er stundum g\u00f6fga\u00f0 me\u00f0 v\u00edsan til n\u00e1tt\u00faruverndar og papp\u00edrssparna\u00f0ar. Me\u00f0 \u00feessu \u00e1framhaldi h\u00e6ttir borgarinn h\u00e6gt og r\u00f3lega a\u00f0 hafa neitt \u00ed h\u00f6ndunum og ver\u00f0ur ofurseldur g\u00f6gnum \u00e1 hverfulu rafr\u00e6nu formi \u00ed h\u00f6ndum stj\u00f3rnvalda og fj\u00e1rm\u00e1lavalds. Einokun gagna er me\u00f0 \u00feessu komi\u00f0 \u00e1 \u00ed h\u00f6ndum st\u00f3rfyrirt\u00e6kja og opinbers valds. Rafr\u00e6na \u00fej\u00f3nustan er ekki ver\u00f0l\u00f6g\u00f0 \u00fe\u00f3tt h\u00fan kosti umtalsvert f\u00e9, \u00fea\u00f0 er l\u00e1ti\u00f0 falla \u00e1 almennan rekstur, en se\u00f0ilgj\u00f6ld og sendingarkostna\u00f0ur er ekki l\u00e1tinn falla \u00e1 almennan rekstur.<\/p>\n

\u00dea\u00f0 ver\u00f0ur a\u00f0 hafa hugfast a\u00f0 fleiri skj\u00f6l en \u00feau er sn\u00faa a\u00f0 beinum fj\u00e1rm\u00e1lahagsmunum geta skipt f\u00f3lk miklu m\u00e1li og haft veruleg \u00e1hrif \u00e1 l\u00edf \u00feess og l\u00edfshamingju. Skj\u00f6l eru ekki bara gamalt papp\u00edrsdrasl \u00fe\u00f3tt \u00feannig vi\u00f0horf megi \u00f3tr\u00falega oft og v\u00ed\u00f0a heyra.<\/p>\n

Vonandi bera \u00edslensk stj\u00f3rnv\u00f6ld g\u00e6fu til a\u00f0 skilja \u00feetta \u00e1\u00f0ur en \u00feau ver\u00f0a sj\u00e1lfum s\u00e9r til skammar me\u00f0 \u00e1\u00feekkum mist\u00f6kum og hafa or\u00f0i\u00f0 \u00ed Bandar\u00edkjunum.<\/p>\n<\/div>\n","protected":false},"excerpt":{"rendered":"

Svok\u00f6llu\u00f0 \u201epapp\u00edrslaus vi\u00f0skipti\u201c og algj\u00f6rlega rafr\u00e6n m\u00e1lsme\u00f0fer\u00f0 fr\u00e1 upphafi til enda hafa leitt til \u00feess a\u00f0 fj\u00e1rm\u00e1lastofnanir \u00ed Bandar\u00edkjunum vir\u00f0ast ekki hafa gild skj\u00f6l \u00ed h\u00f6ndum \u00feegar \u00feeir hyggjast ganga a\u00f0 ve\u00f0um h\u00fasn\u00e6\u00f0isl\u00e1na. \u00cd \u00feessum vandr\u00e6\u00f0um hefur veri\u00f0 leita\u00f0 til<\/p>\n","protected":false},"author":2,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[5],"tags":[],"class_list":["post-327","post","type-post","status-publish","format-standard","hentry","category-frettir"],"_links":{"self":[{"href":"https:\/\/heradsskjalasafn.is\/index.php?rest_route=\/wp\/v2\/posts\/327","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/heradsskjalasafn.is\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/heradsskjalasafn.is\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/heradsskjalasafn.is\/index.php?rest_route=\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/heradsskjalasafn.is\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=327"}],"version-history":[{"count":1,"href":"https:\/\/heradsskjalasafn.is\/index.php?rest_route=\/wp\/v2\/posts\/327\/revisions"}],"predecessor-version":[{"id":328,"href":"https:\/\/heradsskjalasafn.is\/index.php?rest_route=\/wp\/v2\/posts\/327\/revisions\/328"}],"wp:attachment":[{"href":"https:\/\/heradsskjalasafn.is\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=327"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/heradsskjalasafn.is\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=327"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/heradsskjalasafn.is\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=327"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}