419 scam: Franchise Loan Company <joelucks1@bellsouth.net> APPLY FOR LOAN

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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:

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)
- "your loan " (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.

Fraud email example:

From: Franchise Loan Company <joelucks1@bellsouth.net>
Reply-To: franchise_loancompany@yahoo.com.hk
Date: Sat, 30 Jan 2010 16:14:54 -0800 (PST)
Subject: APPLY FOR LOAN

Franchise Loan Company
10 Upper Bank Street,
Clifford Chance,
London E14 5JJ,
United Kingdom

Dear Sir/Madam,

It is my pleasure to write you in respect of my organization.I am Mr. Louis Morgana staff of Franchise loan company, We are a private loan agency located in London,United Kingdom, we are searching for reliable personnel who are genuinely in need of loans.We offer loans at a low interest rate of 5.3% on the amount and period involved. We give out local and international loan to anybody all over the world. We give out loan via account transfer or courier to whatever country you are in. We do not require much documents from you and we guarantee your loan with us for

whatever purpose. If interested in transacting business with us, Kindly contact us for more information, if this proposal is acceptable to you, Please get back to us, so that remuneration can be worked out for your services as our business partner as your location shall determine.

We offer the following kinds of loans:

* Personal Loans (Secure and Unsecured)
* Business Loans (Secure and Unsecured)
* Consolidation Loan
* Combination Loan and many more........

INTERESTED APPLICANT'S INITIALS: YOU ARE TO FILL THE DATA INFORMATION AND RETURN APPLICATION:

NAME:
AGE:
SEX:
MARITAL STATUS:
CONTACT PHONE NUMBER:
ADDRESS:
CITY:
STATE:
COUNTRY:
ZIP CODE:
OCCUPATION:
MONTHLY INCOME:
AMOUNT NEEDED:
WHEN NEEDED:
PURPOSE OF LOAN:
BANKRUPT OR NOT:
REPAYMENT/LOAN DURATION:

Sincerely,
Mr. Louis Morgan
Franchise loan company
(F.I.C).

Thanks For Your Co-operation
MAILED IN BY GROVE MARGIE FOR Franchise AND Loan Company

Anti-fraud resources:

What can you do when you receive 419 spam