419 scam: "James Morgan"<a.costa48@vodafone.pt> INSTANT LOAN OFFER (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:
- "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!)
- "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!)
This email message is a 419 scam. Please see our 419 FAQ for more details on such scams.
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.
- jamesmorgan2004@yahoo.com.ph (email address has been used in a known fraud before)

Fraud email example:

From: "James Morgan" (may be fake)
Reply-To: <jamesmorgan2004@yahoo.com.ph>
Date: Tue, 20 Jan 2015 13:56:04 -0600
Subject: INSTANT LOAN OFFER (APPLY NOW)

Greetings !

We are Private and international Money Lenders in Texas USA , a corporate financier for real estate and any kind of business financing in the world at large. We offer Loans to individuals, Firms and corporate bodies at 3% interest rate per-an-um and 0.5% interest rate monthly based on loan terms determinant. In fact we specialized in offering long term loan to people in different countries of the world to repel bad credit, improve businesses or family standard of living and furtherance of educational studies. So contact us today for receiving an instant loan from this noble firm.

******************************
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LOAN AGREEMENT, TERMS AND REPAYMENT SCHEDULE:
***********************************************

{1} The applicant will start the repayment of loan three months after the loan funds had been transferred to him/her.

{2} Failure to pay back the loan within the agreed date or period, legal actions may be taken against the applicant.

{3} Any applicant who is unable to meet up with the loan repayment on time will be given 4 to 5 weeks more as a grace period before legal actions could be taken.

{4} All interested loan Applicants must re-request for a loan application form which must be filled with their hand writing and signed, fulfill certain obligations as contained in the loan application document before returning it back to us.

{5} Finally interested loan applicants are advised to respond back with a scanned copy of data page of their identification photo along with carefully stated bank account details of the intending loan beneficiary.

If you agree with the above stated terms and conditions for receiving a loan from this financial institution,.

For quick processing and approval of your loan funds release without further delays,Kindly contact us back immediately at: jamesmorgan2004@yahoo.com.ph

Thank you!

Best regards,
James Morgan.

Anti-fraud resources:

What can you do when you receive 419 spam