1. The admin would form the group and add anonymous members with various pictures and phone numbers!!
NOTE: The people added by the administrators DO NOT EXIST.
The goal is to persuade newcomers that there are other members besides the admin.
2. The admin and anonymous members are the first to collect contributions (remember, the admin is still the same person receiving on behalf of the fake people in the group). Once the admin is finished collecting, Trouble begins.
3. In some cases, participants are so evil that they will bring in anonymous members to join the group (same routine as above), and there will be no record of payment for contributions made by the said anonymous participants.
When things go wrong, they’ll deny ever knowing the anonymous people they introduced to the thrift group.
These are the most common reasons why Ajo groups have turned into a haven for fraudulent activity.