It started as a normal Saturday for Peggy Cunningham.

"I went to the mailbox and saw this letter from Toronto, Ontario," Cunningham said.

Inside were two checks, one for almost $38,000 and a cashiers check for $3,800.

"Both had been run through a check protector and the signature was a stamp, which a lot of times businesses do use," said Cunningham.

The former banker grew curious.

"I had no idea how I had any connection with Enterprise Car Rental," Cunningham said.

After calling the Enterprise office in St. Louis, Peggy got on the Internet and did a search for Secured Bond Bureau, another name included in the letter.

"It came up number one ripoff report by consumers for consumers," Cunningham said.

Instead of winning a sweepstakes, at stake was sweeping away Peggy's savings.

"Don't try and cash the smaller check," Cunningham read on the Web site.

According to the Web site, the smaller cashiers check is for you to open a secured bond, which is where they say the larger check will be deposited. After cashing the smaller check, the con artists say the bond went up and they need more money to open the account. At the same time they cancel the cashiers check you just cashed and you never hear from them again.

You are out whatever you sent and the amount of the cashiers check to the bank where you cashed it. She wants others in the Ozarks to be aware.

"As many people as are financially in a bind now with property payments and everything and older people on fixed income, I didn't want anyone else to get caught by this," Cunningham said. "As the old saying, if it looks too good to be true, it is."

Cunningham said, while the checks from the banks were real banks, the phone numbers were wrong. She asked someone who gets a similar letter to not call the numbers provided but to look them up on the Internet.

Cunningham just got this letter in the mail on Saturday so there may be others in the Ozarks. On Monday, she is sending the checks to the attorney general's office in Jefferson City.