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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: "Dr. Phillip Lunny" (may be fake)
Reply-To: <>
Date: Mon, 7 Oct 2019 12:22:11 -0400
Subject: Re: Loan Offer

We are direct affiliate to credible, competent and reliable UK based Investment Funding and Project-Finance firm, with magnificent financial capacity to provide huge loan Funds to finance your
projects. Fortunately for clients, they give pre-amortization (two years grace period) meaning that repayment will commence at the end of second year, from the date of receiving the Loan Funds in the
borrower's account.
The Finance Company can approve project funding from USD $10 million up to USD $2 billion depending on the nature and viability of the business, investment or project; Tenure of Loan between 10 years to 15 years repayment period with only 2% interest per-anum. We are open to having a good business relationship with you.  We are currently interested in funding viable businesses, investments in the following areas of interest:
* Starting up a Franchise
* Business Acquisition
* Business Expansion
* Capital / Infrastructural Project
* Commercial Real Estate purchase
* Contract Execution
* Trade Financing and any other business areas too.
By virtue of our recommendation, the company Lends money to business individuals and companies; they offer huge loans ( with collateral and without collateral) to those seeking to finance their rojects or expand their businesses. If you have a valid business, investment or project to fund, please provide us with the business plan, executive summary, financial information etc for assessment and review. Please take note that those businesses that has been in existence for more than five years stand a better chance of approval.
Kindly contact us for possible business co-operation or for further clarifications. Send Reply to us for more details if you or your business associate needs Loan Funding.
Yours truly,
Dr. Phillip Lunny.
Financial Consultant/Broker
For: Asset Bond Finance Ltd.

Anti-fraud resources: