419 scam: "AFFORDABLE LOAN" <suntrustmortgages@umail.net> APPLY NOW AT 2.25%

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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:
- "loan amount" (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!)
- "info1@aol.es" (this email address has been used in a known scam)
This email message is a 419 scam. Please see our 419 FAQ for more details on such scams.

Fraud email example:

From: "AFFORDABLE LOAN" <suntrustmortgages@umail.net>
Reply-To: info1@aol.es
Date: Wed, 3 Oct 2012 17:14:13 +0200 (CEST)
Subject: APPLY NOW AT 2.25%

Good Day To You.

Do you need a loan, we are Legitimate, Reputable money Lender. We are
a dynamic company with financial assistance.We loan funds out to
individuals in need of financial assistance, that have a bad credit or in
need of money to pay bills,to invest on business. We want to use this
medium to inform you that we render reliable beneficiary assistance as
We'll be glad to offer you a loan.

*Services Rendered include;
*Home Improvement
**Investment Loan
*Debt Consolidation
*Business Loans
*Personal Loans
*International Loans.

Make your dreams come true in just 48 hours* with SunTrust Mortgage
Ready Cash! The Loan that is fast, easy & affordable.

Eligibility Criteria for SunTrust Mortgage

Identity Proof: Passport/ driving license
Age of Applicant: You must be minimum 21 years old.
Minimum Funding: $20000
Maximum Funding: $500000000
Minimum Tenure: 12 months
Maximum Tenure: 240 months

Apply SunTrust Mortgage

1) Full Name:
2) DOB: / /
3) Contact Address:
4) Mobile:
5) Occupation:
6) Loan Amount:
7) Loan Duration:
8) Loan Purpose:

Please write back if interested. Upon Response, you will be sent a well calculated
loan terms. Send your e-mails to: info1@aol.es

Thanks for your understanding and waiting to hear from you.

Regards,
Mr. Herman H. Daniel
Suntrust Mortgage

Anti-fraud resources:

What can you do when you receive 419 spam