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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.

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Some comments by the Scam-O-Matic about the following email:

Fraud email example:

From: "JOHANNES E. GERARD" (may be fake)
Reply-To: <>
Date: Mon, 19 Jan 2015 04:07:39 -0800

U.K. Company No. 02042953
EMAIL Address:

Dear Friend,

We are financial facilitators accredited to leading providers of private debt, mezzanine loan and equity securities to middle-market companies worldwide. Our company is capable of providing funds on loan basis until maximum US$900 Million for projects-funding and capital expansion of legitimate business activities. We arrange private money loans for Raw Land, Joint Venture/ Equity Funding, Green projects, Bridge Loans, Industrial Properties and more. Our Loans and leased Instruments can be obtained at minimal expense to the borrower compared to other banking options. We are working only in providing funds on loan basis, for which we receive returns in the form of interests (3% yearly) after each financial year, for 10 years. We are not interested in the management of the business. Our terms and Conditions are reasonable.

It is important that you read through the attached documents and fill as appropriate to enable our Legal Department finalize the Loan Agreement (LA) between our company (Prudential Financial Services 'PFS') and yourself/ company which we shall both sign as binding contractual agreement between the two parties. The Funds will be remitted to you, via Swift Transfer into your account, after the simple processes are completed in accordance with our operations guidelines. We are ready to provide enough Loan Funds in your favour to enable you finance your business projects.

Let us know the total amount you need for the project, and we shall facilitate provision of the Loan in your favour.
Once we receive the filled / signed Form from you, the PFS Executive Board of Directors will expedite actions to actualize smooth and prompt remittance of the Loan Funds into your own bank account nominate. For expeditious transfer of the Loan Funds in your favour, it is pertinent that you communicate to this Office via email: on daily basis.

Expecting your urgent response today.

Yours Sincerely,

Financial Controls Officer; Prudential Financial Services UK.

Anti-fraud resources: