It starts with an innocent invite from a friend, then the promises of personal growth and riches in tens of thousands of dollars.
Even though many think it's too good to be true, they still go ahead, depositing thousands of dollars to join the 'exclusive group'.
It was all too good to be true for Nelson doctor Fran Halford, who lost $7000 after joining a group known as a 'gifting circle', which claims to empower and transform women's lives.
Fran, a gifting circle victim, spoke to Paul Henry about her experience and how she was duped.
Watch the video.