419 scam: "LOAN RATE."<info@loan.com> LOAN @ 1.5% APPLY.

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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)
This email message is a 419 scam. Please see our 419 FAQ for more details on such scams.
This email lists mobile phone numbers. Use of such numbers is typical for scams because they allow criminals to conceal their true location. They can receive calls in an Internet cafe from where they send you emails, while pretending to be in some office.
- +34632436059 (Spain, prepaid mobile phone)

Fraud email example:

From: "LOAN RATE." (may be fake)
Reply-To: <edward.miguel@live.com>
Date: Fri, 28 Oct 2011 13:28:37 +0200
Subject: LOAN @ 1.5% APPLY.

Dear Sir/Madam,

We are certified loan lender, we offer secured loans to individuals and companies at low interest, and we offer long and short term loans. Our firm has recorded a lot of breakthroughs in the provision of first class financial services to our clients especially in the area of Loan and capital provision for individuals and companies.
In our loan scheme tagged 'loan under two weeks’, every customer both local and international all have the guarantee of obtaining a loan from this company on the mode of secured offshore international funding for this process. Our service has been repositioned and standardized to meet customers demand in an economical way. We have brought ailing industries back to life and we back good business ideas by providing funds for their upstart.
However, Our method offers you the chance to state the amount of loan needed and also the duration you can afford. This gives you a real chance to get the funds you need. Should you be interested get back to me via email or phone call for further information on our loan program.

Lastly, Are you in any financial stress or do you need funds to start up your own business? Do you need loan to settle your debt or pay off your bills or start a nice business? Do you have a low credit score and you are finding it hard to obtain a loan from local banks and other financial institutes? loan offer at 1.5% interest rate with or without any collateral security,then you have to discuss that with our management.This is to help individuals reach their financial objectives, Do you need a loan or funding for any reason such as:*Refinance,*Home Improvement,*Inventor Loans,*Auto Loans,*Debt Consolidation,*Line of Credit,*Second Mortgage
*Business Loans,*Personal Loans,*International Loans,*Education Loans.

For further details respond immediately to this email: edward.miguel@live.com
Telephone.+34-632-436-059.

Truly yours,

Edward Miguel.

Anti-fraud resources:

What can you do when you receive 419 spam