419 scam: F F C U L <mrjimovia55@gmail.com> Your Available Loan Offer

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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:
- "registration fee" (this will cost you money - be careful with upfront payments to anyone you only know through email, especially if they promise you a lot of money. NEVER send money by Western Union or MoneyGram to people you do not know personally - NO EXCEPTIONS! Instant wire transfer services are not meant to be used with strangers because they offer no protection against fraud. That is precisely why the criminals want you send money that way. )
- "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!)
- "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!)
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.
- mr.franklyn112@gmail.com (email address has been used in a known fraud before)

Fraud email example:

From: F F C U L <mrjimovia55@gmail.com>
Reply-To: replyformoredetails@gmail.com
Date: Sat, 8 Apr 2023 15:35:31 +0100
Subject: Your Available Loan Offer

First Financial Federal Credit Union Loan
Address: 3250 Wilkinson Blvd Suite H, Charlotte, NC 28208, United States
Call or Text: +1213-255-5072
Reg No: 2000/017891/07; NCRCP 38; FSP 44481

Welcome To FFCUL

Do you want to give your lifestyle a boost or have an unexpected
expense to deal with; First Financial Federal Credit Union Loan is the
cost-effective way of making it happen within a short time frame. At
First Financial Federal Credit Union Loan, our processes are very
flexible which gives you the opportunity of borrowing from $1, 000.00
to $20,000.000 within an affordable repayment period ranging from
12months to 20years.

We offer Personal Loans, Business Loans, Home Loans and Debt
Consolidation loans as well as Car Finance that can be adapted to suit
your changing needs and circumstances at 0.1% interest rate.

Features & Benefits
Immediate access to your funds after approval Flexible repayment terms
Bulk payments at intervals are acceptable and it helps to reduce
cumulative interest on loan
Your first repayment of the loan begins in three months after approval.
Flexible repayment options from 12 months to 120 months and above.
Fast and easy loan process (credit decision are made within a maximum
time frame of 24 hours)
Free monthly statement via email or SMS
Customer protection Insurance for your peace of mind
Interest is fixed at 0.1% interest rate. Per annul
No late repayment penalty
Loan agreement and registration fee must be paid by you before the
loan will be disbursed to your account
No Deduction from the loan amount
Loan agreement and registration fee can not be added to the loan
The higher you request the higher you pay for agreement and
registration fee the lower you request the lower you pay for agreement
and registration fee

Apply for your Loans Now / Personal Loans / Business Loans / Debt
Consolidation / Car Finance / Home loans are you blacklisted? Apply
Now Even if you have a bad credit record we will assist you

RCS Representative Table

Full Name:
Country of Origin:
State of Origin:
Direct Phone:
Date of birth Age:
Marital Status:
Current Address:
Occupation:
Monthly income:
Purpose of Loan:
Copy of your ID:
Name of Next of kin:
Next of kin contact:
Loan Amount:
Loan Repayment time period:
Loan interest rate 0.1% per month

For businesses or Individuals interested in applying for a loan with
FFCUL First Financial Federal Credit Union Loan or who simply require
more information. TO APPLY, simply SEND AN EMAIL with your full
details to (mr.franklyn112@gmail.com)

Best regards,
Senior Loan Manager
First Financial Federal
Credit Union Loan

Anti-fraud resources:

What can you do when you receive 419 spam