419 scam: <fcsh.offer05@FCHS510.onmicrosoft.com> ATTENTION: FINANCIAL OFFER # 3% INTEREST RATE/ 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:

An email address listed inside this email has been used in a known fraud before.
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:
- ",000,000" (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)
- "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)
- "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!)
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.
- +447010086704 (UK, redirects to a mobile phone in another country)
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.
- craig_adams24333@hotmail.com (email address has been used in a known fraud before)

Fraud email example:

From: <fcsh.offer05@FCHS510.onmicrosoft.com>
Reply-To: <craig_adams24333@hotmail.com>
Date: Thu, 17 Oct 2013 17:03:53 +0530
Subject: ATTENTION: FINANCIAL OFFER # 3% INTEREST RATE/ APPLY NOW.

Dear Valid Applicant, Are you having financial distress or you want to fulf=
ill that dream of yours with funds? Do you need a loan to pay off your bill=
s, Start or expand your business?Are you having difficulties in obtaining a=
loan from hard Lenders or Banks because of their high loan fees/requiremen=
ts? Do you need a loan for any legitimate reason? Then worry no more as the=
" Metro Loan Investment Company" has come to offer loans to interested app=
licants both locally and overseas no matter the sex or location but age mus=
t be 18 years and above. Regarding your loan application,I want you to get =
back to me with the requested information for your loan application so as t=
o proceed with the loan processing. LOAN APPLICATION FORM Full Name*.......=
......................... Email*............................... Telephone N=
o*............................. Mobile No*.................................=
... Home Address*................................ City*....................=
....................... State/Province*................................. Co=
untry*................................ Fax Number*.........................=
......... Occupation*.............................. Monthly Income*........=
.................... Age*.................................. Sex*...........=
....................... Do You Have An Account? *..........................=
....... Have You Applied Before? *................................ Loan Amo=
unt Needed *..................... Loan Duration *..........................=
... Purpose of Loan *............................. TODAY DATES:............=
....... In the light of the above,you are required to fill this form and se=
nd back to us,Be aware that your application will be duly process and verif=
ied.Thereafter,we can start processing with the transaction further. Qualif=
ications: 1)The Borrower must be at list 18yrs old. 2)Even with Bad credit,=
we still Guarantee the Borrower the Loan. 3)The Loan Can Be Granted Even W=
ith low credit. 4) We Offer Loans from $5,000.00 to $50,000,000.00 USD/AUD/=
GBP/EURO/INDIA RUPEES. Interest Rate: The Interest rate applicable to all L=
oans Is 3%. The loan repayment terms and conditions will be forwarded to yo=
u as soon as your loan application is ready. Thanks for your patronage, I l=
ook forward in hearing from you soonest. Most Sincerely, Mr. Craig Adams. F=
inancial Officer. Email :craig_adams24333@hotmail.com Tel: +447010086704. M=
etro Loan Investment. Online Loan Application Form. GENERAL CONSULTANT

Anti-fraud resources:

What can you do when you receive 419 spam