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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: ADT Financial Credit Union <>
Reply-To: <>
Date: Sat, 20 Aug 2011 00:29:23 -0400
Subject: To Whom It May Concern.



We, ADT Financial Services Credit Union offers loan at a very low
interest rate of 3% per year, we offer Personal loans, Debt
Consolidation Loan, Venture Capital, Business Loan, Education Loan,
Home Loan or "Loan for any reason!.

Have you been turned down by your bank? Do you have bad credit? Do you
have unpaid bills? Are you in debt? Do you need to set up a business?
Worry no more as we are here to offer you a low interest loan. Our loan
ranges from R10, 000.00(Ten Thousand South Africa Rand)
to R10, 000,000.00. (Ten Million South Africa Rand).

If you are interested do not hesitate to contact us with your Full
names,contact address, Occupation and your Contact telephone numbers.

Helen Thaba(Mrs)
Loan Services Controller,
Contact Email:,
Direct Tel No:+27785100150

Anti-fraud resources: