The first is probably Fraud by False Representation if you do it in England and Wales. ("Made a false representation, dishonestly, knowing that the representati

The first is probably Fraud by False Representation if you do it in England and Wales. ("Made a false representation, dishonestly, knowing that the representation was or might be untrue or misleading, with intent to make a gain for himself or another, to cause loss to another or to expose another to risk of loss.")