fighting spam and scams on the Internet
"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)
- "your urgent reply" (scammers rush victims so they don't have time to think properly)
- "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!)
- "firstname.lastname@example.org" (This email address looks like addresses used in fake loan scams. Be suspicious of any lender who uses a free webmail address or who is based in different country from yourself.)
- This email message is a 419 scam. Please see our 419 FAQ for more details on such scams.
Fraud email example:
From: "Total Loan Company, LLC" <email@example.com>
Date: Mon, 07 Oct 2019 17:04:51 +0200
Total Loan Company, LLC Office
479 E Business Center Drive Suite #108
IL 60056 USA
+1 (914) 267-9587
With 100's of loans we can select the right one just for you whatever
your circumstances, self employed, retired, have CCJ's or a poor credit
rating, we could help.
Are you searching for a very Genuine loan? at an affordable interest
rate? processed within 4-6 working days. Have you been turned down
constantly by your Banks and other financial institutions? The goodnews
is here!!! We Offer LOANS ranging from $5,000.00 Min. to
$40,000,000.00 Max. at 2% interest rate per annum. LOANS for developing
business and competitive edge/business expansion. We are certified,
trustworthy, reliable, efficient, Fast and dynamic. And a co-operate
financier for real estate and any kinds of business financing, we give
out long term loan for five to fifty years maximum. We offer the
following kinds of loans and many more:
* Personal loans ( Unsecured Loan)
* Business Loans ( Unsecured Loan)
* Consolidation Loan
* Combination Loan
* Home Improvement
* Car Loan
1) The Borrower must be at Least 18 yrs old
2) Even with Bad credit, we still Guarantee the Borrower the Loan
3) The Loan Can Be Granted Even With low credit
4) There is no per-payment penalty.
5) You do not need a Co-Signer
6) You must be a Citizen or have a residential permit of where you are
7) You must have a valid national identity card or any mode of
An agreement signing process must be carried out on this transaction by
this company. The borrower must be willing to pay back and also sign the
loan agreement document and the borrower must be capable of re-paying
Repayment is made Monthly or Yearly depending on the choice of the
borrower and The Repayment schedule for a Loan is calculated and sent to
The Interest rate applicable to all Loans Is 2%.
If you agree to this, do let me know the amount you need and how long
you can pay this loan back by filling the application information's
LOAN APPLICATION FORM:
Date of Birth:___________________________
Amount Needed as Loan:_________________
Monthly Income/Yearly Income:___________
Purpose for Loan:________________________
Have you Apply For A Loan Before:___________
YOUR PERMONAL IDENTIFICATION (Scanned Copy Of Driver's License or
In acknowledgment to these details, I will send you a well calculated
Terms and Condition.
I await your urgent reply so we can proceed to the next step.
Thanks For Your Patronage!
Mr. Timothy Fox (Loan Officer)
Tel: +1 (914) 267-9587
TOTAL LOAN COMPANY, LLCÂ®
LICENSE NO. CI.0003932-H