419 scam: "STANFORD FINANCE PYT LTD"<stanfordfinanceonline@live.com> RE: DEAR LOAN APPLICANT

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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:
- "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!)
- "loan applicant" (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!)
- "cheque " (Beware of any scheme that involves cashing checks or money orders and then wiring a portion of the funds somewhere - you'll be liable for the entire amount if the checks or money orders turn out to be fake, even after you have received and forwarded cash. If it's a lottery prize, remember that real lotteries do not pay large prizes by check. They wire the money directly to your bank account and you do not pay for that. Many scammers promise a large check only in order to then demand payment of courier fees for a fake courier service. )
This email message is a 419 scam. Please see our 419 FAQ for more details on such scams.

Fraud email example:

From: "STANFORD FINANCE PYT LTD" (may be fake)
Reply-To: <stanfordfinanceonline@yahoo.com>
Date: Fri, 20 Apr 2012 21:13:02 +0200
Subject: RE: DEAR LOAN APPLICANT

Dear Loan Applicant,

In regards to your mail stating that you are in need of a loan, you can find some vital information about the loan we offer below, in getting a loan from our company.
There is some information we need to pass across to you before we can proceed to the application process, we have extensive range of integrity.

Having been established for 23 years, we have the experience and expertise to provide service, we can help you with the loan if you are credit competent and credit worth enough to pay back the loan when granted. To enable us register your loan application
In our database, you are advised to read through the loan approval process and fill the Space provided below,

QUALIFICATION FOR THE LOAN:

1) The Borrower must be at least 18 years old.
2) Even with Bad credit, we still guarantee the Borrower the Loan provided he or she is able to meet up the repayment.
3) The Loan Can Be Granted Even With No Collateral available (Unsecured)
4) There is no pre-payment penalty.
5) You do not need a Co-Signer
6) You have to be honest during the loan process.

LOAN REPAYMENT:
Repayment is made Monthly or Yearly depending on the choice of the borrower

INTEREST RATE:
The Interest rate applicable to all Loans is either 2% to enable my clients cope with the repayment; especially those not privilege to go to banks to obtain loans may be because of credit constraint.

MODE OF REMITTANCE OF THE LOAN TO THE BORROWER:
The Loan Is Transfer to the Borrower Via any of the following method.

1. Swift bank to bank transfer
2. Cheque payment
3. Money Order.

In acknowledge to this you are to get back to us with the following information:

BORROWER'S INFORMATION:

Borrower's Full Names:.............................

Address:...............................................................................................

Occupation:...........................................................................................

Sex:.......................................................................................................

Age........................................................................................................

Position in Work...........................................................................................

Phone Number:..............................................................................................

Monthly Income:............................................................................................

Country:...................................................................................................

City.......................................................................................................

Purpose of Loan............................................................................................

Amount Needed..............................................................................................

Loan Duration (specify in Years)........................................................................

Have you applied for online loan in the Past:..............................................................

I will give you the detail terms and condition of the loan upon your response to this email,
Have a nice day, and your response is anticipated..

I await your next email.

Regards,

MR.BARRY CLIFFORD
CEO/MD

Anti-fraud resources:

What can you do when you receive 419 spam