419 scam: "HEATHER FINANCIAL INC." <info@loans.org> LOAN OFFER @ 2%=============APPLY NOW

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"419" Scam – Advance Fee / Fake Lottery Scam

The so-called "419" scam is a type of fraud dominated by criminals from Nigeria and other countries in Africa. Victims of the scam are promised a large amount of money, such as a lottery prize, inheritance, money sitting in some bank account, etc.

Victims never receive this non-existent fortune but are tricked into sending their money to the criminals, who remain anonymous. They hide their real identity and location by using fake names and fake postal addresses as well as communicating via anonymous free email accounts and mobile phones.

Keep in mind that scammers DO NOT use their real names when defrauding people.
The criminals either abuse names of real people or companies or invent names or addresses.
Any real people or companies mentioned below have NO CONNECTION to the scammers!

Read more about such scams here or in our 419 FAQ. Use the Scam-O-Matic to verify suspect emails.

Click here to report a problem with this page.

Some comments by the Scam-O-Matic about the following email:

An email address listed inside this email has been used in a known fraud before.
This email uses a separate reply address that is different from the sender address. Spammers use this to get replies even when the original spam sending accounts have been shut down. Also, sometimes the sender addresses are legitimate looking but fake and only the reply address is actually an email account controlled by the scammers.
The following phrases in this message should put you on alert:
- "dear sir/madam" (a standard Nigerian greeting phrase)
- ",000,000" (they want you to be blinded by the prospect of quick money, but the only money that ever changes hands in 419 scams is from you to the criminals)
- "00,000.00" (they want you to be blinded by the prospect of quick money, but the only money that ever changes hands in 419 scams is from you to the criminals)
- "loan amount" (Beware of fake loan offers. Real lenders would not normally use free webmail addresses such as Yahoo, nor would they lend to individuals or small businesses in a different country from where they are based. Beware of mobile phones or redirector numbers!)
- "loan applicant" (Beware of fake loan offers. Real lenders would not normally use free webmail addresses such as Yahoo, nor would they lend to individuals or small businesses in a different country from where they are based. Beware of mobile phones or redirector numbers!)
This email message is a 419 scam. Please see our 419 FAQ for more details on such scams.
This email lists free webmail addresses. Use of such addresses is typical for scams. Lotteries, banks and any but the smallest of companies do not normally use such addresses. Criminals use them to anonymously send and receive email at Internet cafes.
- heatherfinancial@sify.com (email address has been used in a known fraud before)

Fraud email example:

From: "HEATHER FINANCIAL INC." <info@loans.org>
Reply-To: heatherfinancial@sify.com
Date: Tue, 5 Jan 2010 08:08:26 +0200 (EET)
Subject: LOAN OFFER @ 2%=============APPLY NOW

HEATHER FINANCIAL INC.
MOTTO: We are FIDELITY,we keep to our WORDS.
E:mail:heatherfinancial@sify.com

Dear Sir/Madam,

We give out loans to all categories people i.e firms,
companies,schools,industries etc. We give out our loans at very cheap and
moderate rates.We are certified, registered and legit Financial Inc.Our
firm is known for rendering the best of services to categories of
people round the globe, it is a reputable and well known firm. We give
out loans at a very cheap rate of about 3% rate. you can contact us
today for that loan you need ranging from $5,000.00 to $5,000,000.00.We
give out Loans in the following categories:

Auto Loans
Mortgage loans
Business Loans
Personal Loans

If you are interested,you will have to furnish with the Application form
below:

LOAN APPLICATION FORM

First Name:......................... .....

Last Name.......................... ....

Sex:.......................... .......

Date of Birth:........................ ......

Place of Birth:........................ ......

Marital Status:....................... .......

Occupation:................... ..................

Monthly income:....................... .........

Home Address:......................

Phone No:........................... .......

City:......................... ...............

Zip Code.......................... .................

State:........................ .................

Country:...................... .......................

Loan Amount :.......................... .......

Loan Duration:....................... ................

Purpose of Loan:......................... .................

Monthly Income ................................

E-mail address:...................... ................

Have You Applied Before?....................... .................

We believe we have been able to answer most of the questions that are
frequently asked by loan applicants before securing a loan. In agreement
to the above rules/policies, you are expected to fill the form provided
above. Thanks for your understanding and for choosing this firm.

Regards,
Dr Heather Suresh.

Anti-fraud resources:

What can you do when you receive 419 spam