419 scam: "ZENITH FINANCE INSTITUTE!!" <info@loan.com> THIS IS VERY IMPORTANT NOTICE

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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:
- ",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)
- "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: "ZENITH FINANCE INSTITUTE!!" <info@loan.com>
Reply-To: info.gazprom@mail.ru
Date: Thu, 7 Jul 2011 21:42:44 +0700 (ICT)
Subject: THIS IS VERY IMPORTANT NOTICE

Email: zenithfinanceinstitute002@live.com

Dear: Sir/Madam,

With 100s of loans we can select the right one just for you whatever your
circumstances, self employed, retired, have CCJs or a poor credit rating, we
could help.

Are you searching for a very Genuine loan? At an affordable interest rate?
processed within 4 to 6 working days. Have you been turned down
constantly by
your Banks and other financial institutions? The good news is here !!!

We Offer LOANS ranging from $10,000.00 Min. to $100,000,000.00 Max. at 3%
interest rate per annum. LOANS for developing business, a competitive edge/
business expansion. We are certified, trustworthy, reliable, efficient,
Fast,
dynamic and a co-operate financier for real estate and any kind of business
financing.

We give out long term loan for five to fifty years maximum.
We offer the following kinds of loans and many more:

* Personal Loans ( Unsecured Loan)
* Business Loans ( Unsecured Loan)
* Consolidation Loan
* Home Improvement
* Debt Consolidation
* Home Insurance

Please if you are delighted and interested in our financial offer, Do not
hesitate to contact us if in need of our service, as you will be required to
furnish us with the following details to commence with the process of your
loan sum accordingly.

Name:________________________
Last Name:___________________________
Gender:_____________________________
Marital status:______________________
Contact Address:________________
City/Zip code:_____________________
Country:____________________________
Date of Birth:______________________
Amount Needed as Loan:_______________
Loan Duration:_____________________
Occupation:__________________________
Purpose for Loan:____________________
Phone:_____________________________

In acknowledgment to these details, I will send you a well calculated Terms
and Condition which will include the agreement.

Regards,
James Anderson
Finance And Leasing Association
zenithfinanceinstitute002@live.com

Anti-fraud resources:

What can you do when you receive 419 spam