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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.

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

Fraud email example:

From: "Oxford Finance Service" <>
Date: Tue, 22 Feb 2011 23:48:41 -0400
Subject: Apply For Loan At 3%

Good day to you.

I am Mr. Nelson Raymond a private registered Loan lender,
I give out loans to business people and individuals
at low interest rate. I offer personal loan,debt consolidation
loan, venture capital, business loan, student loan, home
loan or loan for any legitimate reason.

Here are some questions. Are you having difficulties in
obtaining a loan from hard lenders or banks because of
their high loan fees/requirements? Are you having financial
distress or you want to fulfill that dream of yours with

Do you need a prosperous new year for your family, if yes
then worry no more for Oxford Finance Service have come to put a
smile on your face by offering you the loan you need at
a 3% interest rate.

Contact us with the information below if you are interested
in this loan and email us at

First Name:....
Other Names:....
Loan Amount:....
Loan Duration:.....
Mobile Number:....
Loan Purpose:....

I will commence with the processing of your loan as soon as I receive
this information from you.

There is more happiness to gain in getting a loan from us, so do contact
us immediately and we will respond to you within 20-30minutes time.

Mr. Nelson Raymond
Oxford Finance Service.

Anti-fraud resources: