419 scam: "Mrs. Burstein, Bonnie." <JFinances@financials.com> Do you seek Home Refinance Or Business Loan @ 3%?

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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)
- "million us dollars" (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)
- ",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)
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.
- jfinances@hotmail.com (Hotmail; can be used from anywhere worldwide)

Fraud email example:

From: "Mrs. Burstein, Bonnie." <JFinances@financials.com>
Reply-To: JFinances@live.com
Date: Fri, 7 May 2010 14:01:30 +0300 (EEST)
Subject: Do you seek Home Refinance Or Business Loan @ 3%?

Dear Sir/Madam

This is Johnson Financial Company,We Offer Private, Commercial and
Personal Loans with very Minimal annual Interest Rates as Low as 3% within
a 1 year to 40 years repayment duration period to any part of the world.
We give out loans within the range of 1,000,000 to 200,000,000 USD.(Two
Hundred Million US Dollars ) Our loans are well insured for maximum
security is our priority.

* Are you financially Squeezed?
* Do you seek funds to pay off credits and debts
* Do you seek finance to set up your own business?
* Are you in need of private or business loans for various purposes?

* Do you seek loans to carry out large projects
* Do you seek funding for various other processes E.g Refinance,*Home
Improvement *Investment Loan *Auto Loans *Debt Consolidation *Line of
Credit *Second Mortgage *Business Loans or *Personal Loans and
*International Loans

If you have any of the above problems, we can be of assistance with
the Loan you need also you have to understand that our interest rate is 3%.

* Borrow anything up to $50,000 to 200,000,000 USD
* Choose between 1 to 40 years to repay.
* Choose between Monthly and Annual repayments Plan.
* Flexible Loan Terms.

Interested Persons should contact me with.

Name:
Address:
Country:
State:
Phone Number:
Amount Needed:
Loan Duration:
Purpose of Loan:

NOTE THAT YOU ARE TO CONTACT THIS EMAIL FOR

REPLY: charledave@mildtowild.org.uk
jfinances@hotmail.com

Thanks for your time

Mrs. Burstein, Bonnie.
Managing Director
Director/(Online Advertiser)

Anti-fraud resources:

What can you do when you receive 419 spam