419 scam: <> WE OFFER PERSONAL LOAN,BUSINESS LOAN,AND DEBT CONSOLIDATION 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 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!)
- "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.

Fraud email example:

From: <>
Reply-To: <smithanna001r@gmail.com>
Date: Tue, 15 Sep 2015 22:51:05 +0530
Subject: WE OFFER PERSONAL LOAN,BUSINESS LOAN,AND DEBT CONSOLIDATION LOAN

Do you need a quick long or short term loan with a relatively low interest rate as low as 3%? We offer business loan, personal loan, home loan, auto loan,student loan, debt consolidation loan e.t.c. no matter your credit score. We are guaranteed in giving out financial services to our numerous clients all over world.
Note that we offer all type of loans with an INTEREST RATE of 3% and we give out a Minimum amount Of $ 3,000 USD to A Maximum of $ 100,000,000.00 USD

You are to get back along with the below application form filled so that we can proceed further in processing your loan amount.

LOAN APPLICATION FORM.

Name:
Loan Amount:
Purpose of loan:
loan Duration:
Sex:
Country:
Address:
Mobile Number:

OUR LOAN INTEREST RATE IS 3%

In acknowledgments of these details we will send you the terms along with repayment schedule and If you agree to the terms and conditions, you stand to get your loan within 24hours. This depends on your seriousness and urgency in obtaining the loan.

I await your swift response
Thanks and have a nice day.
Smith Annie

Anti-fraud resources:

What can you do when you receive 419 spam