419 scam: "MICRO FINANCIAL SERVICE" <info@finance.org> Do You Need Loan 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:

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)
- "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)
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.
- mfmicrofinancelaon@hotmail.com (Hotmail; can be used from anywhere worldwide)

Fraud email example:

From: "MICRO FINANCIAL SERVICE" <info@finance.org>
Reply-To: mfmicrofinancelaon@hotmail.com
Date: Tue, 26 Jul 2011 19:50:37 +0200 (CEST)
Subject: Do You Need Loan Apply Now!!!

Dear Sir/Madam,
We Offer Private, Commercial and Personal Loans with very Minimal annual
Interest Rates as Low as 3% within 1year to 30years repayment duration
period to anypart of the world. We give out loans within the range of
$2,000.00 to $5000,000.00 US Dollars.Our
loans are well insured for maximum security is our priority, Are you
having sleepless nights worrying how to get a Legitimate Loan Lender? Are
you biting your finger nail stop quick?Instead of beating yourself
up,contact MICRO FINANCIAL SERVICE LIMITED now, Loan
specialists who help stop Bad Credit History,to discover a win solution
which is Our Mission.Interested Persons should contact us via
E-mail.Lender's Name:MRS ANGELA SAINT Lenders Email:
mfmicrofinancelaon@hotmail.com

BORROWERS INFORMATION:
Your Names:_________
Your Address:________
Your Age:_____________
Your Fax Number:________
Telephone Number:______
Office Number:__________
Your Occupation:__________
Company:__________________
Your Country:_______________
Sex:_______________________
Monthly Income:______________
Amount Needed:______________
Loan Duration:________________
Email Address:________________

You send an e-mail after completing the above information through This
email address is simple: mfmicrofinancelaon@hotmail.com
Considers it urgent expect an answer from you.
Brief Description of Individual.
Best Regards,
MRS ANGELA SAINT

Anti-fraud resources:

What can you do when you receive 419 spam