419 scam: "William Tom Loan" <tom@wiltomltd.onmicrosoft.com> Re: We Offer Business / Personal Loan.../

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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:
- ",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)
- "loan agreement" (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 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!)
- "williamstom@groupmail.com" (this email address has been used in a known scam)
- "williamstom@groupmail.com" (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: "William Tom Loan" <tom@wiltomltd.onmicrosoft.com>
Reply-To: williamstom@groupmail.com
Date: Mon, 02 Dec 2013 04:05:45 +0530
Subject: Re: We Offer Business / Personal Loan.../

WILLIAM TOM FINANCIAL LOAN HOME UK 34 Marsh Wall, London E14 9SR, Unite=
d Kingdom Office District. Ref: EA-ASL/941OYI/02/LN-LON - SSL: 12/25/0034=
GOVERNMENT ACCREDITED LICENSED (RESERVE BANK AND BANK OF ENGLAND) Willia=
m Tom Loan Home IS REGISTERED UNDER THE DATA PROTECTION ACT OF WORLD BANK =
Registration (Z720633X). Company Private Email: williamstom@groupmail.com=
I am Mr. Mr. William Tom the Loan Broker and senior Director =
with William Tom Loan Home Plc-London, a registered and certified accredite=
d loan lender, Under the Reserve Bank and Bank of England with Bank of Scot=
land. As a solid broker /trustee we help people to apply and get faster Loa=
ns at low rate interest here in William Tom Loan Home Plc, We give out Loan=
s at Three (3) percent interest rate to those in need of Loan. We give out =
Personal Loans, Holidays / Xmas Loan and Business Loans to solve people fin=
ancial predicament in this financial instability period. We giv=
e out Personal Loans at the range of $ 50,000.00 to $ 500,000.00 while Busi=
ness Loans are given out from the range of $ 100,000.00 to $ 1,000,000.00. =
We also finance business and building contract project, And Etc, interested=
person should contact us via Our Company Private Email: williamstom@group=
mail.com Fill the following Application Form information below; =
Full Name :........................................ Personal Phone =
Number :............................ Mobile Number :......................=
.............. Country :.......................................... Addres=
s :.......................................... State :.....................=
....................... Sex :.............................................=
. Age :.............................................. Marital Status :...=
................................ Loan amount needed :.....................=
.......... Loan Duration ..................................... Occupation=
:....................................... After receiving your=
reply with the information above, we are going to send you the CONDITIONS =
FOR THE LOAN AGREEMENT. Get out of financial trouble today and get funds f=
or projects or Business with a low interest rate of 3% for one (1) year. W=
e are a financial power house and we believe in helping people and co-opera=
te bodies. Interested person should contact us as soon as possibl=
e. Regards, Mr. William Tom (Head of the Loan Brokers) Contact =
us via Our Company Private Email: williamstom@groupmail.com =20

Anti-fraud resources:

What can you do when you receive 419 spam